vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-08 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/2025 2. XXXX XXXX - XX/XX/2025 3. XXXX XXXX XXXX - XX/XX/2025 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
We purchased an outdoor stove to heat our home utilizing financing from a home improvement lending company. The loan was an interest free loan term loan from XXXX  XXXX. Since the purchase, XXXX was purchased by Regions Bank. Our loan matured and interest was due on the loan. We've continued to make payments on the loan but we are only getting emailed statements. The statements DO NOT show interest to date, late fees assessed, principle balance due, etc. They only show that our account is over our {$15000.00} limit. None of the other required reporting information will be provided. I've asked for this information numerous times. The company refuses to provide it but still makes collection calls daily even though we're making our monthly payments. I feel as though this is illegal lending practices and they should be lawfully obligated to provide this 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 2025-04-08 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: IL

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 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I am filing this complaint because my auto loan was sold to another party without my knowledge or consent, and I recently discovered that my personal financial information may have also been shared or sold during this process. 

I was not provided with any prior notice or opportunity to opt out of the disclosure of my nonpublic personal information, as required under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. This law mandates that financial institutions must give consumers notice of their privacy practices and allow them to opt out before disclosing their information to nonaffiliated third parties.

To my knowledge, I never received such a notice, and I did not authorize the sharing of my personal data. I am concerned that this is a direct violation of federal law, and I am requesting the CFPB investigate this matter.

Specifically, I would like the institution to : Identify the third parties to whom my information was disclosed. 
Provide a copy of any opt-out notice that was allegedly provided to me. 
Cease any further unauthorized sharing of my personal information. 

Also note that the original lender was Santander Consumer USA and now XXXX XXXX XXXX own my best in which they say I owe them {$15000.00}. 

Thank you for your assistance in reviewing this violation of consumer privacy protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
According to 15 U.S.C 1692 ( c ) you have violated my rights by in lawful communications.. please remove this collection off of my credit report. Thank You XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/year>2021 -- {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-08 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: William D. Meeker Enterprises, Inc.
State: PA

Complaint narrative:
Here is my Original complaint that was closed by the company. They told me to get a FTC report. My original CFPB complaint number is XXXX. We will begin litigation if this matter is not handled. Original Complaint - o Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry made by your organization, CIC Credit / XXXX XXXX, that appears on my consumer credit report dated XX/XX/scrub> 2024. I did not authorize this inquiry, nor did I apply for credit, housing, or any service with your organization or any client affiliated with this name around that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit inquiry must be made only with a permissible purpose, which is not present in this instance. This inquiry was made without my knowledge or consent and constitutes a willful violation of the FCRA, infringing on my rights and damaging my credit standing. I am demanding the immediate deletion of this unauthorized inquiry from all consumer reporting agencies to which it was furnished. Under the FCRA, I am entitled to {$1000.00} in statutory damages for this violation. However, should I be forced to escalate this matter through legal channels, I will also pursue actual damages stemming from emotional distress, lost opportunities, and the time and resources I have spent addressing this issue. To emphasize the unnecessary financial exposure your organization may face if this proceeds to litigation, Ive provided an estimate of related costs below : Expense Estimated Cost Court filing fees {$400.00} Process server {$150.00} Document preparation & postage {$100.00} Attorney consultation ( if needed ) {$1000.00} {$2500.00} Discovery/disclosure costs {$500.00} Travel/time off work ( actual damages ) $ XXXX Emotional distress ( actual damages ) $ XXXX Potential judgment ( statutory + actual ) {$3000.00} $ XXXX Estimated Total Exposure : {$6000.00} $ XXXX To resolve this matter efficiently and privately, I am offering the following terms : Immediate removal of the unauthorized inquiry from all credit reporting agencies, Payment of {$1000.00} in statutory damages, and A mutual resolution agreement with no admission of wrongdoing by your organization. Please respond within 15 business days of the date above. If I do not receive a resolution, I am prepared to initiate formal arbitration or litigation to seek full legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
Company Information Company : XXXX XXXX Issue Details Category : Credit reporting / Incorrect information on credit report What happened? 

XXXXXXXX XXXX  inaccurately reports my account across credit bureaus ( Experian/Equifax/Transunion ) in violation of the FCRA : 1. Conflicting Payment Dates : Last payment reported as XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ). 
2. Future-Dated Delinquencies : XXXX XXXX XXXX delinquencies and a XX/XX/XXXX charge-off are impossible as of [ current date ]. 
3. Charge-Off Timeline Errors : Charge-off date ( XX/XX/XXXX ) conflicts with 180-day delinquency timeline ( last payment XX/XX/XXXX ). 
4. Ignored Prior Dispute : Errors persist despite prior disputes to XXXX and credit bureaus. 

Desired Resolution - Remove all inaccuracies from credit reports. 
- Ensure XXXX complies with FCRA 1681s-2 ( b ) by correcting reporting. 

Supporting Documents - Credit reports Experian/Equifax/Transunion highlighting errors ) - Payment records ( XX/XX/XXXX ). 

Legal Basis Discovers reporting violates : - **FCRA 1681c** ( Accuracy ).

- **FCRA 1681i** ( Reinvestigation ).

- **CFPB UDAAP** ( Unfair practices ).

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Company Information Company : XXXX XXXX Issue Details Category : Credit reporting / Incorrect information on credit report What happened? 

XXXXXXXX XXXX  inaccurately reports my account across credit bureaus ( Experian/Equifax/Transunion ) in violation of the FCRA : 1. Conflicting Payment Dates : Last payment reported as XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ). 
2. Future-Dated Delinquencies : XXXX XXXX XXXX delinquencies and a XX/XX/XXXX charge-off are impossible as of [ current date ]. 
3. Charge-Off Timeline Errors : Charge-off date ( XX/XX/XXXX ) conflicts with 180-day delinquency timeline ( last payment XX/XX/XXXX ). 
4. Ignored Prior Dispute : Errors persist despite prior disputes to XXXX and credit bureaus. 

Desired Resolution - Remove all inaccuracies from credit reports. 
- Ensure XXXX complies with FCRA 1681s-2 ( b ) by correcting reporting. 

Supporting Documents - Credit reports Experian/Equifax/Transunion highlighting errors ) - Payment records ( XX/XX/XXXX ). 

Legal Basis Discovers reporting violates : - **FCRA 1681c** ( Accuracy ).

- **FCRA 1681i** ( Reinvestigation ).

- **CFPB UDAAP** ( Unfair practices ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-08 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: IL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America have my account on credit only.. I havent received any information as to why they are holding my funds.. These are the funds that I deposited into this account and it was a cash deposit.. Ive been into the branch, spoken to several agents in the fraud department and they cant provide any information as to why my account is on a credit only status.. They are saying that someone from that department will reach out to me but is unable to provide a timeframe.. I am very upset about this.. No bank should be allowed to hold your funds.. I havent deposit no checks, no wire transfers and etc.. They are just holding my funds and it isnt right

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 2025-04-08 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: NJ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX/XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EdFinancial Services
State: CA

Complaint narrative:
My credit and data were breached. XXXX XXXX and all my information was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-08 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief