vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> Exeter Finance LLC [ Exeter Finance LLC Address ] Dear Sir/Madam, Re : Account Number XXXX I am writing to dispute the charge-off account referenced above. This debt was sold and charged off, and I have not received a 1099-C form for the charge-off. I do not recognize or owe this debt, and the past due amounts and credit limits reported contain inaccuracies. Why is this still on my credit report?

Please provide verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). Specifically, I am requesting : Documentation proving I am legally obligated to pay this debt The name of the original creditor The amount of the debt If you can not provide proper verification, you are required to cease all collection activities. Failure to comply may result in legal action for violation of the FDCPA. 

I request that you respond to this dispute in writing within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for 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 2025-02-09 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: FL

Complaint narrative:
In accordance with the fair credit reportin act, the list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 usc 1681.

the accounts bellow have violated my rights.
15 U.S.C 1681 section 602A states I have the right privacy

15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency cannot furnish a account  withount my written instrutions.

15 U.S.C 1681c. (a)(5) section States: no consumer reportingagency may make any consumer report containing any of the following items of information. any other adverse tem of information other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2(A)(a)A person shall not funish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

delete the accounts bellow XXXX XXXX XXXX   transunion
XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX  experian XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX XXXX XXXX XXXX transunion

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I put XXXX down on an XXXX dollar XXXX model XXXX XXXX on XX/XX/XXXX. I got hurt and I wasnt able to make a few payments. I cancelled the gap insurance so I could defer that towards the balance. Santander told me incorrectly that I could do that. Now my car was repossessed. They told me I could only get my car back if I paid XXXX to pay off the balance. I am working again. I want my car back. Please is there anything you can do to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: UPGRADE, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.

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 2025-02-09 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted information through the CFPB to unblock access to my report so I can view it. I sent them my social license the back copy of my license and utility bill. And the letter stating that I want access to my report online. And to update my address it should be XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided.

Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national databreach and a Validation of debt 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 2025-02-09 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: IL

Complaint narrative:
I was a victim of identity theft and data breach and these accounts are fraudulent and need to be removed from my credit report XXXXXXXX XXXX open XXXXXXXX balance {$2800.00} XXXX XXXX opened XXXX balance {$1000.00} XXXX XXXX  opened XXXX balance {$510.00} XXXX XXXX XXXX XXXX balance {$19000.00} XXXX XXXX open XXXX balance {$16000.00} XXXX XXXX open XXXX balance {$25000.00} XXXX XXXX XXXX  open XXXX balance {$140.00} XXXX XXXX XXXX open XXXX balance {$1100.00} And these Inquiries as well XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Demand Letter for Security Freeze and Enhanced Security Measures Date : XXXX To : XXXX Equifax TransUnion XXXX XXXX XXXXXXXX XXXX XXXX Department Of Insurance XXXX State Attorney Generals Office -Insurance Fraud Division XXXX XXXX Treasury Department FTC XXXX  Attorney General Insurance Fraud Division XXXXXXXX XXXX STATE TREASURY -Fraud department XXXX Attorney General XXXX XXXX department XXXX XXXX XXXX IRS On Behalf of : XXXX Address : XXXX XXXX Email : XXXX  Subject : Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at TransUnion and XXXX. 

Background : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. 

Demands : We demand the following immediate actions to protect XXXXXXXX XXXX XXXX credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXXXXXX XXXX  credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. 
Enhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXXXXXX XXXX credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. 
Legal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. 

Consequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.

Verification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. 

Contact : Please direct all correspondence regarding this matter to the contact information provided above. 

Sincerely, XXXXXXXX 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 2025-02-09 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:
I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries off my credit report. 
XXXXXXXX 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/year>

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 2025-02-09 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries off my credit report. 
XXXXXXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX, Inquiry date:XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX Inquiry date: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 Inquiry date XXXX XXXX XXXX Inquiry date  XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these reports, they are hurting my ability to obtain 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 2025-02-09 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: NE

Complaint narrative:
I am demanding these fraudulent inquiries be removed from my file immediately due to the fraud of these inquiries.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/year>

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 2025-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I have enrolled in an XXXX benefit set up by Optum bank and on XX/XX/year> there was a XXXX USD contribution from my payroll going to that Optum bank account. Although the payroll system clearly showed the contribution was charged and went to Optum, I did not receive that fund in my Optum bank account after weeks. I called Optum Bank a couple of times, but they have never given me any practical answers or returned to me as promised. My XXXX USD was missing and I need them to investigate but the customer service keeps copying the same script and just doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Equifax for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against Equifax, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as Equifax has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. Equifaxs failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure Equifax complies with its legal responsibilities. 

SEE ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: SC

Complaint narrative:
on XX/XX/year> i mailed a letter stating that there was inaccurate information being reported an my consumer report, an i wont the company to update it with new information delete all old information 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) have 30 days to investigate and respond to a consumer dispute. Its been over 35 days an still has not got a response back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Cuzco Capital Investment Management, LLC
State: TN

Complaint narrative:
This dept is outside the XXXX statute of limitations. I would like to know why they are contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OK

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief