vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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/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 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ingenuity RM, LLC
State: MN

Complaint narrative:
Myself and my partner have been being harassed by a company named INGENUITY RM , LLC since XXXX of XXXX. My partner told them back in XXXX to stop calling and they have persisted in doing so until XX/XX/XXXX of XXXX from theirmainnumber. They use spoof numbers as well to call and leave threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
This is my XXXX  request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
POSSIBLEFINA - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-06-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-12 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for a Citibank credit card on XX/XX/year> and was immediately shown that I had been approved for a {$4600.00} credit limit. However, within seconds of seeing the approval screen, I was logged out of the account. I received no confirmation email or any account number, and I was unable to log back in. 

I called customer support right away. The first representative told me there were internal server issues and that I would need to wait a full week. When I expressed concern, he changed the wait time to XXXX hours. I waited, but nothing changed. I called again and was told by a different representative that the issue would be resolved in XXXX hours and was given an application ID number that I could supposedly use on Citis website to check my status. That ID did not work on any part of the site. 

I waited the full XXXX hours and still had no access or confirmation. I called again today. The first representative disconnected the call when I asked to speak to a supervisor. On my second call, I immediately requested a supervisor again and was connected. The supervisor explained that my application was stuck in the system and had never been escalated by previous agents. She also said that the application ID number I was given was not actually usable online and that the information I received previously was incorrect. 

She acknowledged that this was a known issue affecting multiple accounts but said there was no estimated timeline for resolution and that she could not provide anything in writing. I still have no account access, no written confirmation, and a hard credit inquiry has been placed on my report.

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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: RI

Complaint narrative:
I received a letter in XX/XX/XXXX to my business XXXX XXXX XXXX XXXX XXXX stating that my principal balance due XXXX XXXX was {$28000.00}. The letter I received in XX/XX/XXXX stated that my principal balance XXXX XXXX, XXXX was {$43000.00}. I made {$25000.00} payments that makes my owed amount {$18000.00} NOT {$28000.00}. XXXX XXXX I emailed Customer Service requesting information onhow my payments throughout the life of the loan have been applied including my additional principal payments. In the interum XXXX was aquired by Huntington and additional principal payments were no longer allowed but I was never informed. There have been many emails exchanged, most were computer generated and not answering my questions. My phone calls were answered by " contingent workers '' who told me I had {$12000.00} in a " holding tank ''. There were many emails exchanged with no information given. The most recent quoted a payoff of {$23000.00} stating I had {$8600.00} credit that could be applied. When I compared payments I had 2 checks of {$2000.00} each that were not applied to my account so I feel my payoff is {$10000.00} not {$14000.00} but nobody is replying to my emails and I can not get anyone on the phone! In summary there is {$4000.00} of my money missing and nobody contacting me with the information. I just want to pay this off and sever ties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
Reporting a balance to XXXX, Equifax, and XXXX  of {$1900.00}. XXXX XXXX XXXXXXXX has charged off, closed, and canceled the credit. XXXX  XXXX XXXX has written this off on their tax, but i have not received a 1099-C for my tax and credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
Reporting a balance to XXXX XXXX, and Transunion of {$1900.00}. XXXX XXXX XXXXXXXX has charged off, closed, and canceled the credit. XXXX XXXX XXXX has written this off on their tax, but i have not received a 1099-C for my tax and credit report.

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 2025-06-12 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: CA

Complaint narrative:
Attached is a dispute letter dated XX/XX/year>, from myself, XXXX XXXX to Equifax. Included are all documents needed for dispute. 

This is an urgent follow-up to previous disputes regarding the XXXX XXXX XXXX account ( ending in XXXX ). 

The main issue is that Equifax continues to report this account as " Charge-off '' as of XX/XX/year>, despite definitive proof that it should be removed. 

Key factors as to why this account must be removed : XXXX XXXX XXXX XXXX XXXX Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report officially reflections the deletion of the same XXXXXXXX XXXX account ( XXXX ) from, I, XXXX XXXX 's credit report. This deletion was based on the original creditor, XXXX XXXX, certifying the information as inaccurate. 
XXXX XXXX XXXX  FCRA Violations XXXX XXXX XXXX  Equifax 's continued reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). The letter cites : XXXX FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to follow reasonable procedures for maximum possible accuracy.

* FCRA Section 622 ( 15 U.S.C. 1681s-2 ( b ) ), which outlines furnishers ' responsibilities. 
* Equifax 's failure to remove the account, despite its deletion by XXXX XXXX based on creditor certification ), demonstrates a failure to assure maximum accuracy. 
XXXX XXXX XXXX  Demand for Action : XXXX XXXX I, XXXX XXXX, demand the immediate and complete deletion of the XXXX XXXX XXXX account ( XXXX ) from my Equifax credit report, supported by a copy of the XXXX report showing the deletion. 
* * XXXX Expected Resolution : XXXX  XXXX  I expect written confirmation of the deletion and an updated credit report within ten ( 10 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. There are collection accounts reporting on my credit file that are inaccurate, unverifiable, or do not belong to me. I have disputed these accounts directly with the credit reporting agencies and/or the furnisher, yet they continue to report incorrect information in violation of the FCRA. These accounts are negatively impacting my creditworthiness. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the credit bureaus and the furnishers to delete these accounts from my report unless they can be fully and accurately verified in compliance with the FCRA. Please hold the responsible parties accountable for their failure to meet federal requirements regarding consumer data accuracy. Thank you in advance for your help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent account from my consumer credit file within four business days : XXXX XXXX opened on XX/XX/year> This account was not authorized by me and is the result of identity theft. I did not apply for, initiate, or benefit from the above account. I have attached a copy of my consumer credit report showing the fraudulent entry, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

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 2025-06-12 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: NJ

Complaint narrative:
I am unable to access my Equifax credit report online or through XXXX. I contacted XXXX  for help, but they informed me that Equifax does not allow them to share my report. This prevents me from reviewing my credit information, which I have a right to under the Fair Credit Reporting Act. Im requesting that Equifax make my report accessible and allow it to be shared with other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 am submitting a formal identity theft complaint under FCRA 605B and 609 ( e ). Multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent.

I did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 ( permissible purpose ) and 605B, which requires consumer reporting agencies to block identity theft-related data within XXXX business days of receiving a valid FTC Identity Theft Report and police report.

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 2025-06-12 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:
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 2025-06-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-12 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

Company response to consumer: Closed with non-monetary relief