vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. Violation of 15 U.S.C. 6802 ( Financial Privacy Rule under the Gramm-Leach-Bliley Act ) This statute requires financial institutions to provide notice and an opportunity to opt-out before sharing personal financial information with non-affiliated third parties. I did not provide XXXX XXXX XXXX with express consent or an opt-in for such reporting, and no sufficient opt-out notice was provided. 
2. Violation of 15 U.S.C. 1681b ( b ) ( 2 ) ( Fair Credit Reporting Act - Permissible Purpose Requirement ) Under this law, a consumer reporting agency may only furnish a credit report when there is a permissible purpose. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX reported my account without my prior written consent, this action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
3. Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) If my personal information was used without my authorization for credit reporting purposes, this could be considered a form of identity theft under federal law, warranting serious legal repercussions.

4. Violation of 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) If my credit information was obtained and reported without a valid permissible purpose, this could constitute obtaining information under false pretenses, which is explicitly prohibited under the FCRA.

5. Violation of 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) Entities that knowingly or willfully violate FCRA provisions may be held liable for statutory and punitive damages, including attorney fees. If my credit data was reported without proper legal authorization, I reserve the right to pursue civil remedies.

6. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) If my information was reported under circumstances that involve identity theft or unauthorized use, I have the right to request an immediate block of such information from being reported to credit agencies.

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 2025-03-19 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: CA

Complaint narrative:
XXXX XXXX ( XXXX  ) XX/XX/year>2024 / XXXX XXXX XXXX XXXXk ) XX/XX/scrub> 2024 /

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 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume 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 2025-03-19 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: OH

Complaint narrative:
I am a victim of identity theft and I have submitted my FTC report to the company and they still have not removed unauthorized inquiries on my CREDIT report XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-19 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:
" 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 2025-03-19 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: MN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-19 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: Westlake Services, LLC
State: CA

Complaint narrative:
I noticed an account on my credit report reported by Westlake Financial I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ) .I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: VA

Complaint narrative:
I never applied for your credit card! It was a data breach and my credit score is paying for it. I can't even get the credit cards I want because they have the XX/XX/year> rule in place. I need this removed so I can fix my credit back to the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I Have Been Getting Unauthorized Transactions Taking Out My Account With No Refund For Internet Purchases and ect..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I deposit my payroll check via mobile deposit. When I checked the next business day the check posted but funds were not available. When I called Citibank they said that there was a security issue and I needed to speak to the fraud dept. After speaking with that department for at least 5 different phone calls, they told me that there was a issue verifying the check. So they had new, have my HR representative. Contact them to verify the check-in the amount. After which, my HR person contacted me and told me to call Citibank back 2 verify that they spoke to them after about being on. Hold for that, at least 20 minutes. They told me that the security issue was resolved and my funds were available. I checked my account later and found that that the funds were not available yet and as I called the security department again. They are telling me now that there is a six day hold on my check until I can get my funds even those they have already received those funds from my payroll company.

This is ridiculous

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 2025-03-19 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: IL

Complaint narrative:
I AM WRITING TO HAVE THE FOLLOWING INFORMATION REMOVED OFF MY CREDIT REPORT. I HAVE BEEN A VICTIM OF THE XXXX DATA BREACH. THE FOLLOWING INQUIRES NEED TO BE REMOVED IMMEDIATELY, XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX 2025 XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025

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 2025-03-19 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: AL

Complaint narrative:
Every time I dispute for inaccurate information it comes back verified but they have yet to produce the information that is proof of verification. Consumer risk solutions companies can not even verify my identity so how can they said the info is correct?

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 2025-03-19 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: LEXISNEXIS
State: AL

Complaint narrative:
Every time I dispute for inaccurate information it comes back verified but they have yet to produce the information that is proof of verification. Consumer risk solutions companies can not even verify my identity so how can they said the info is correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-19 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

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 account listed without my expressed written consent.

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 2025-03-19 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: TX

Complaint narrative:
I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-03-19 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I am a victim of identity theft there are several accounts that I didnt authorize or give anyone permission to open these accounts

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 2025-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding Sallie Maes failure to provide proper communication about my student loan payments and their unfair collection practices. 
I have consistently made on-time payments toward my private student loans and have taken additional steps to pay down my balance faster, including making a significant lump-sum payment last year. Since then, Sallie Mae has not sent me any statements, emails, phone calls, or mail correspondence regarding my payment schedule. Each month, I logged into the Sallie Mae app, which consistently displayed a {$0.00} balance dueuntil today, XX/XX/year>. 
Without any prior notification to me, Sallie Mae began aggressively contacting my cosigner, my mother, calling her multiple times within an hour. When she answered, she was subjected to harassment and threats that both she and I would be sent to collections. At no point did Sallie Mae attempt to notify me, the primary borrower, before resorting to these aggressive tactics. 
Upon immediately contacting Sallie Maes customer service, I was informed that I was XXXX days overdue but still within the XXXX-day grace period. However, when I asked why I was never notified of a payment due, they were unable to provide any clear explanation. Additionally, my account had continued to display a {$0.00} balance in the Sallie Mae app until today, misleading me into believing no payment was required. 
I believe Sallie Maes actions constitute unfair and deceptive loan servicing practices, including : 1. Failure to provide proper billing notifications regarding upcoming payments.

2. Misrepresentation of account status by displaying a {$0.00} balance until the due date had already passed. 
3. Harassment of my cosigner with multiple calls in a short period and threats of collections, despite no prior communication with me.

I request the CFPB to investigate Sallie Maes loan servicing practices to determine whether they are in violation of consumer protection laws. I also request that Sallie Mae : Provide a full explanation of why I was not notified of my payment due.

Confirm that this issue will not negatively impact my credit report.

Cease aggressive and misleading collection practices against cosigners.

Sallie Maes failure to provide accurate and timely loan information directly contributed to this situation, and their collection tactics have caused unnecessary stress to both me and my cosigner. I appreciate the CFPBs attention to this matter and look forward to a resolution. 
Please let me know if any additional information is needed. I can be reached via email at XXXX or XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation