vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these lenders to access my credit file. I contacted each lender that appeared on my credit report, and several of them confirmed that no application exists under my name. This proves that my information was submitted without a valid credit transaction, which constitutes a violation of permissible purpose under FCRA 15 U.S.C. 1681b ( a ) ( 3 ).

I disputed the inquiries with Experian, but they refused to reinvestigate and directed me to contact the creditors myself despite being legally obligated under FCRA 1681i ( a ) to perform a reasonable reinvestigation. I made good faith efforts to resolve the issue by contacting the companies listed on the report, but they all denied having applications on file. I still have not received any documentation showing I authorized these pulls. 

Additionally, the unauthorized use of my personal information to trigger multiple inquiries may constitute identity theft under FCRA 1681c-1 and 18 U.S.C. 1028. These inquiries have damaged my credit score and created a false appearance that I was applying for multiple loans when I was not.

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 2025-05-16 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: FL

Complaint narrative:
was car shopping on XX/XX/XXXX. went to XXXX XXXX XXXX XXXX XXXX FL. saw a car and was told by the sales man that he would need to check my credit and fill out a credit app. after test driving the car I found to be an electrical problem and choose not to buy the car. told the sales man and he said he would fix the problem. I told him to let me know and left the dealer. the next day I confirmed with the salesman I did not want to buy the car even if it was fixed. 
I then received 6 different rejection letters from various banks and came to find out that XXXX XXXX was actively shopping my credit to buy the car I told them I did not want to buy there was no signed contract and no deal was ever made for the car after I found the car had an electrical problem. 
my credit rating was well over 750 at that date of XX/XX/year>, after a week later I found a car that I did want to buy at another dealership and because of the unauthorized credit checks my score was well under 650 which caused me a higher interest rate due to poor credit which I did not have before. 
I spoke with the finance manager at the dealership and he told me they were wrong to shop the credit as they did not have a signed contract on the car and that it should have never happened. told me to work with the credit bureau. but the Credit bureau need a confirmation from the dealer stating it was a mistake and the finance manager refused the help.

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 2025-05-16 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation Regarding Inquiry Dear XX/XX/XXXX, I am writing to request validation of a hard inquiry listed on my credit report that I believe is associated with a debt I do not recognize. 
Account Information : Inquiry Date : XX/XX/XXXX Creditor Name : XACTUS LLC/ XACTUS AVANTUS Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts and inquiries recorded on my credit report. I kindly ask that you provide me with the following information regarding this inquiry : 1. The details of the debt associated with this inquiry.

2. Documentation proving that I authorized this inquiry.

3. Any other relevant information regarding the creditor.

Please respond within 30 days of receiving this letter. If you can not provide the requested validation, I ask that you remove this inquiry from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, signed XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I am writing anoint an item on my credit report concerning an account with 1st Franklin. The account is incorrectly showing derogatory information that skips over a 60-day late mark, which is both misleading and inaccurate under federal credit reporting standards.

According to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. In addition, Section 611 ( a ) of the FCRA grants me the right to dispute information I believe to be incorrect and requires that the furnisher of the data verify its accuracy within 30 days.

I previously submitted a dispute regarding this account and requested 1st Franklin to verify the full and accurate payment history. They failed to provide adequate verification and did not correct the inaccurate reporting.

Reporting missed payments inaccurately or skipping over key delinquency stages misrepresents my creditworthiness and may violate the Fair Credit Billing Act as well. If 1st Franklin can not provide documentation confirming the accuracy of this reporting, it must be removed from my credit file immediately.

Please reinvestigate this matter and delete or correct the inaccurate information as required by law. I request written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
In 2018, I took out a student loan for an educational program at XXXX in. The loan was through XXXX but serviced through launch servicing , LLC. I missed a payment and reached out to XXXX, was referred to Launch Servicing but could never actually speak to someone. They do not have anyone to verbally speak to. Received no correspondence regarding the loan or that a missed payment would result in the program locking. To contact them through their website. I was locked out of the actual program and ultimately did not complete it. Which I do not understand. How am I responsible for a loan on a program I was locked out of for nonpayment? When reaching out to the school, I was referred to the services and just went round in circles. The loan serviced refuses to close the loan and turn it into an actual debt to be collected. For 8 years the loan has been active and is collecting interest and late fees, I am assuming because it is on my credit report. I have tried to file a dispute through the credit bureaus, the XXXX XXXX XXXX and attorney generals office. There are many people with the same stories as myself according to the XXXX Launch servicing , LLC has hopped states and owners according to records, and XXXX no longer uses them as a servicer due to bad reviews. This has damaged my credit significantly. I have tried everything. Advised them I am in school and the payment went from the original XXXX XXXX in 2018 to now {$500.00} due to even reaching out to a class action attorney. Now it has been determined this company may not even be practicing legally. They have moved from state to state which means their laws as a business may change dependent on the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed two fraudulent addresses listed on my credit reports that I have never lived at, authorized, or associated with in any way. These addresses are damaging my credit file and may be signs of identity theft. 

The fraudulent addresses are : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX  XXXX I have already contacted the credit bureaus requesting to have these addresses removed as they are not mine.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report concerning a closed credit card account. The account in question is : Creditor Name : Sam 's Club Synchrony Bank Account Number : XXXX Status : Closed Reported Late Payment ( s ) : XXXX This account has been closed and should no longer be reporting new or recent late payments. I am requesting that your agency verify the accuracy of this information with the data furnisher and correct or remove any inaccurate or outdated reporting in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter and provide an updated credit report reflecting the results of your investigation. I have included a copy of my credit report highlighting the disputed account for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Company : XXXX ( PayPal, Inc. ) Issue Type : Problem with a purchase shown on your statement What happened ( Complaint Description ) : On XXXX XXXX XXXX, I filed a dispute with XXXX for a charge related to XXXX. The dispute ID is XXXX and the external payment ID is XXXX. 

XXXX did not approve my account, and I was never authorized to use their services. Despite providing XXXX with documentation showing that I was not eligible for or granted access to XXXX services, they have rejected my dispute. I have contacted XXXX multiple times, and I was initially told it would be resolved within 10 days, then 15. After weeks of delays and vague updates, I was informed that they are standing by their denial with no valid justification. 

XXXX has failed to properly investigate or handle this unauthorized charge, and I have still not received my money back. I am requesting that this matter be reviewed by the CFPB, and that XXXX be required to refund the disputed amount. 

Desired resolution : A full refund of the amount charged to my XXXX account for the XXXX transaction, and a formal investigation into how XXXX handles disputes involving unauthorized services. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief