vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items.

2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XX/XX/XXXXXXXX Bankruptcy Reference # : 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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I applied for the XXXX plan and was directed by MOHELA to call ever XXXX  months to request forbearance. My loan is in processing until further notice due to legislation. I am attempting to call MOHELA as directed and have been on hold for XXXX hours waiting to speak with a representative. No call back option was offered. At this time I have still not spoken to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
For the month of XX/XX/XXXX and XX/XX/XXXX I have sent supporting documents to show that the payments were not late. Based on consistent reporting pattern, each months payment has historically been reported the following monthfor example : XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX, XX/XX/XXXX payment reported on XX/XX/XXXX. 
However, this pattern was not followed for XXXX and XXXX. XX/XX/XXXX was reported as late to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX was reported late to the credit bureaus on XX/XX/XXXX, resulting in late payments on my credit report. The agency needs to review the documents I submitted and update my credit report accordingly. I am exercising my right under the Fair Credit Reporting Act, Section 611 ( 1 ) ( A ), to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account/ Loan # : XXXX This account is currently reporting inaccurately. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate with the provided supporting documents. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to delete all information that are inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

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 2025-02-25 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: PA

Complaint narrative:
XX/XX/year> I went to view a car but had no intentions of buying nor did I want my credit report ran the rep took my id and did such without my authorization or permission Im asking this account from Sensible Auto be removed from my report as this inquiry has hard my overall score please see this account be removed immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ( XXXX ) XXXX Hard inquiry from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
XX/XX/year> I went to view a car but had no intentions of buying nor did I want my credit report ran the rep took my id and did such without my authorization or permission Im asking this account from Sensible Auto be removed from my report as this inquiry has hard my overall score please see this account be removed immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ( XXXX ) XXXX Hard inquiry from 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Also known as XXXX, XXXX Addresses XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX XXXX Personal Statements XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Accounts XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. Under XXXX XXXX. XXXX, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA. 
Failure to comply with this request will result in further legal action, including filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under XXXX U.S.C. XXXX. 
Please respond to this dispute in writing within XXXX  days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-25 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: GA

Complaint narrative:
Unauthorized items on credit report. 
XXXX XXXX {$1600.00} XXXX XXXX {$1600.00} XXXX XXXX {$700.00}

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 2025-02-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Block and Deletion of Fraudulent Information Under XXXX XXXX XXXX Dear TransUnion, I am writing to formally request the immediate block and removal of fraudulent information on my credit report under XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ). 

The following account was added to my report without my authorization and must be removed immediately : Account Name : XXXX Account Number : XXXX The definition of a credit card under federal law is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My consumer report functions as a credit device. The furnisher and CRA have mishandled my personal data to create or maintain this account without my explicit consent, violating my rights under the XXXX XXXX ( XXXX XXXX XXXX ). 

Additionally, the fraudulent reporting of this account meets the legal definition of fraud as defined in XXXX XXXX XXXX : A knowing misrepresentation of the truth or concealment of a material fact to induce another to act to his or her detriment. 

Enclosed are the following documents supporting my claim : A copy of my government-issued ID and proof of address. 
A copy of my FTC Identity Theft Report. 
Identification of the fraudulent information ( highlighted credit report ). 
A signed statement declaring that this information does not pertain to any transaction by me. 
Under the FCRA, you are required to block and remove this information within XXXX ( XXXX ) business days. Please confirm in writing once the fraudulent information has been deleted from my credit report. 

Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

Sincerely, 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 2025-02-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company XXXX XXXX  - Inquiry Purpose : XXXX  XXXX Inquiry Date : XX/XX/year> - Company Name : XXXXXXXX XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX - Inquiry Purpose : XXXX  - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - XXXX Purpose XXXX XXXX XXXX Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX - XXXX Purpose : XXXX  XXXX XXXX XXXX : XX/XX/year> - Company Name : XXXX XXXX XXXX - Inquiry Purpose : XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to these companies or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. 

Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. 
XXXX. The source of the inquiry. 
XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. 
XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-25 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I WAS REVIEWING MY MONTLY CREDIT REPORT AND NOTICED MULTIPLE INQUARIES THAT I DID NOT AUTHORIZE. ATTCHED ARE THE IDENTITY THEFT REPORTS LISTING XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within XXXX business days.

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 2025-02-25 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX  # XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out that this account was showing as 120 days late in XX/XX/XXXX and XX/XX/XXXX which is inaccurate. After you completed that investigation you are still showing this inaccurate information. On XX/XX/XXXX I pointed out XXXX is showing different information for XXXX and XX/XX/XXXX than you are, and all credit reporting agencies should have the same information or it is deemed inaccurate according to the FCRA. I even attached Experians reporting of this account, and you still failed to fix it. If the other bureaus are showing different information than you are then the data furnisher must not be providing accurate data. Inconsistent data is grounds for deletion according to FCRA statutes. On XX/XX/XXXX I said that after XXXX investigations, the reporting for this account is even more wrong. It is showing 120 day late for 3 months in a row. Can you please tell me the payment amounts and payment dates for the payments I made to this account between XX/XX/XXXX and XX/XX/XXXX that you are using to justify this particular inaccuracy on my account? 
Now, after XXXX requests to fix this account, it is still inaccurate. According to the FCRA accounts need to either be accurate or deleted. I am demanding you either fix this account or delete it. If you don't delete it, I want to see the payment amounts you show being made between XXXX and XX/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 2025-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved. 
I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX BANK XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief