vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have two hard inquiries on my credit report, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Heartland XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX pulled up my credit report and noticed these inquiries that I do not recognize and did not authorize neither company to run my credit. I took the time out to contact each of these companies separately and neither one could give me any information on where these inquiries came from. I was told to contact the Equifax. I then proceeded to contacting equifax and was told that I had to file a report with the FTC about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to 15 U.S.C. 1692 C you have violated my rights by in lawful communication please remove all negative inquires of my credit report please and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
According to 15 U.S.C. 1692 C you have violated my rights by in lawful communication please remove all negative inquires of my credit report please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX HAS A CHARGED OFF CREDIT CARD IN MY NAME. I NEVER OPENED THIS ACCOUNT. I CALLED SEVERAL TIMES TO HAVE THE ITEM REMOVED. I AM SCHEDULED TO CLOSE ON MY NEW HOME IN 22 DAYS. THEY ARE PREVENTING ME FROM OWNING MY HOME BECAUSE MY CREDIT SCORE DROPPED SIGNIFICANTLY WHEN THIS ITEM REAPPEARED ON MY CREDIT REPORT AFTER IT WAS DELETED. 
I AM WILLING TO PAY THE {$650.00} IF THEY WILL NOT REMOVE IT. THEY MAKE IT EXTREMELY HARD TO SPEAK TO SOMEONE IN CUSTOMER SERVICE. 
PLEASE HELP ME GET THIS XXXX CREDIT CARD OFF OF MY CREDIT REPORT ONCE AND FOR ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im frustrated to see multiple inquiries from your company on my credit report that I never approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted disputes personally and through my credit repair agent about all the inquiries and the collections on my profile that I told them was not mines and I gave them my Fraud affidavit that I filled the FTC. I asked them to validate the accounts and they never do but they still keep the invalidated information on my credit file. Especially addresses and phone numbers that are not mines on top of all that I have disputed already. When I call they just keep putting me on hold, I ask for a manager, they say a manger will call me, no one ever calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00} XXXX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX INQUIRIES XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
No social security told me the problem is in the bank and the bank manager she tells me why I changed my phone number and I told her people change phone number ok and what that got to do with my account ok she is my problem ok she is not trying to help me with my account ok she always telling me something else i never had credit account and never took out a loan try to and she said I never did go online i lost my card my XXXX bank card XX/XX/XXXX and she asked me about my phone number that I had XXXX years ago and social security told me its her and I opened a new account its been a problem with this lady ok she is the XXXX using my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reached out to XXXX  to pay my balance that was due on XX/XX/year>. I was informed that I needed to contact XXXX to pay the debt. XXXX took my payment and stated that they would not update my credit report. I asked why and I was hung up on. This is unacceptable. I paid my debt and have included a receipt showing my debt was paid. It should be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX Date : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Account XXXX XXXX ( Account number XXXX ) Dear XXXX XXXX, I am writing to formally dispute the information reported on my credit report for the account with XXXX XXXXl, referenced as XXXX XXXX  XXXX with a balance of {$2100.00}, and noted as closed as of XX/XX/XXXX. Under the provisions of the Truth in Lending Act, specifically 15 U.S.C. 1601, I am requesting a review and verification of the reported information.

According to the report : The account shows a 100 % outstanding balance of {$2100.00}.

It indicates 49 % on-time payment history with several missed or late payments between XXXX and XXXX. 

The account was opened on XX/XX/XXXX, with a 72-month term.

I am disputing this information because I believe the balance is incorrect, the account should not be marked as closed, or the payment history is inaccurately reported. I request that XXXX XXXX  investigate this matter and provide me with the following or Remove this Account from my credit Report : XXXX. Validation and verification of the reported balance of {$2100.00}. 


XXXX. A detailed payment history, including dates and amounts received. 


XXXX. Clarification on why the account is marked as closed despite showing a 100 % balance owed. 


XXXX. Any supporting documentation used to report the payment history, as mandated by 15 U.S.C. 1601.

Please conduct a thorough investigation and provide written verification of the account details within the time frame required by law. If the investigation reveals inaccuracies, I respectfully request that the necessary corrections be made to my credit report with all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I've received a copy of my XXXX report and saw fraudulent accounts reporting without my permission or consent I demand these accounts to be removed immediately Due to FCRA Law Violation for A Consumer.

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports. This includes information that the consumer believes was the result of identity theft. 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years. 

XXXX XXXX  XXXX XXXX XXXX Amount : {$210.00} Closure XXXX XXXX XXXX XXXX XXXX Amount : {$980.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've received a copy of my XXXX report and saw fraudulent accounts reporting without my permission or consent I demand these accounts to be removed immediately Due to FCRA Law Violation for A Consumer. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports. This includes information that the consumer believes was the result of identity theft. 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years. 

XXXXXXXX XXXX XXXX  XXXX XXXX Amount : {$210.00} Closure XXXXXXXX Bank OF America XXXX Amount : {$980.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
On XX/XX/year> I made a payment on XXXX of my student loans through EdFinancial. The payments on the XXXX loans that I am having trouble with were listed as 120 day loan cancellation payments. I was sent a receipt and the loans showed on my account as paid on all three loans. The money I paid with also was withdrawn from my bank account. On XX/XX/year>, XXXX of the loans that I had paid the month prior had reappeared, and no money had been refunded to me. Despite paying these loans in XXXX of last year and receiving a receipt from EdFinancial, these loans still show in my account as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Theres credit card debt that doesnt belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation