vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
I need this to be validated - I need to know if this has been written off for tax purposes and I need the 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiry Dispute XXXXXXXX XXXXD ( FCRA Violation ) Agency : Experian To Whom It May Concern : I am submitting a formal dispute regarding an unauthorized hard inquiry that appears on my personal credit report with Experian, made by XXXXXXXX XXXX on XX/XX/XXXX. 

This inquiry was generated under the XXXX of my business ( XXXX  ) and was strictly for a business credit application. While I may have been listed as a guarantor for the XXXX, at no time did I provide explicit permission for my personal credit file to be accessed under my Social Security Number ( SSN ) for this business-related purpose. 

There is no active personal account tied to this inquiry, and it was made without a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( f ) Permissible purpose not met.

15 U.S.C. 1681i Duty to investigate and delete unverifiable data.

15 U.S.C. 1681b ( b ) No documented consent was provided for this personal credit access.

If Experian can not present valid, documented proof that I personally authorized this inquiry under my SSN for a personal account, this inquiry must be deleted immediately as required by federal law. 

Requested Action : I demand the removal of the XXXX XXXX  inquiry dated XX/XX/XXXX from my personal credit report and written confirmation of its deletion. This inquiry is damaging my personal credit and was not authorized or appropriate. 

Thank you for your prompt attention to this matter. 
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 2025-05-02 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:
Im in the middle of closing on a home and my lender needs access to my report in order to get the underwriting taken care of or Im gon na lose out on this home and have spent a lot of money and time already. Ive spent hours on the phone with Equifax and have done multiple disputes with nothing being fixed even after providing the documents they requested and I also got a letter from my bank that they say reported the false information showing the correct number on file. I am not only mentally drained but have spent a lot of money trying to get a home for XXXX XXXX XXXX XXXX XXXX  along with my father I take care of who is a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute a charged-off account being reported by Broadview Credit services on my credit report. This account does not belong to me, and I have no knowledge or record of ever opening an account with Broadview under this account number. 



I previously disputed this account with the credit reporting agencies ( XXXX XXXX XXXX XXXX ), but they failed to remove the inaccurate information, despite my claim that the account is not mine. The continued reporting of this account is causing significant harm to my credit profile and financial well-being. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter and removal of the fraudulent or inaccurate information from my credit file. If necessary, I am willing to provide additional documentation to support my identity and the fact that this account is not associated with me. 



I respectfully ask that XXXX XXXX and the credit bureaus take immediate action to correct this error and provide me with confirmation of the accounts removal.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Williams and Fudge Inc. added {$1700.00} to my credit in collection for XXXX XXXX XXXX XXXX. 
It says that it had been XXXX XXXX XXXXXXXX which is false information. I have a XXXX  XXXX XXXX that Paid for my schooling XXXX. I was to owe nothing and was told by XXXX XXXX XXXX XXXX that I owed nothing and that my account had not been put on any holds. They told me that my school account wouldve been put on hold not allowing me to recieve my student ID to transfer Transcripts. Florida XXXX Told me that they have paid upfront in full and thats what they do for ALL students who have this scholarship and to dispute this. I did a Dispute through XXXX  and now Im disputing with you as advised. The information posted is False and Would like for it to be removed as it effected my Credit Score. My name is XXXX XXXX and my Florida prepaid number is XXXX for when you contact Florida prepaid youll need this number to get into my account and see that Florida prepaid paid for this school. Im unsure as to why I even have this on my credit considering I have a scholarship which was used. I have less hours from my scholarship due to me attending which means it was paid. It had not been 2 years and 9 months as well. 
The Florida prepaid is through XXXX XXXX XXXX XXXXXXXX. All documents can be recieved through them on form of payments they made to that school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express card for XXXX was for a business account with EIN- Balance was placed on my personal SSN,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX ( Reference # : XXXX ) with the status " XXXX, '' but has failed to demonstrate how this information was verified in compliance with federal law. The FCRA under 15 USC 1681c requires consumer reporting agencies to ensure that public record data is accurate, up to date, and complete. Many third-party sourcesparticularly XXXX and XXXX vendorsare not reliable sources for legal records unless confirmed directly with the courts. This raises serious questions as to whether this XXXX entry was verified correctly or if it resulted from flawed third-party reporting due to a data breach or clerical mismatch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account on my credit report. Please dispute and remove listed fraudulent account from my credit report XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Update and remove inaccurate and old personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MI

Complaint narrative:
Penn Credit Corporation XXXX XXXX XXXXXX/XX/XXXX account number XXXX associated with a adress i never lived at, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Bank errors related XXXX billing XXXX reporting are negatively impacting my credit. Under TILA ( XXXX XXXX Code XXXX ( b ) ), creditors are required XXXX  accurately reflect payments XXXX credits, but several issues have arisen : payments I made were not properly recorded, XXXX there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law XXXX unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1400.00} Open Date XX/XX/XXXX XXXX Balance : {$230.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 am a victim of identity theft as a result of the XXXX Equifax data breach, which compromised my personal information including my SSN, date of birth, and more. Since then, multiple fraudulent accounts and inquiries have appeared on my credit report, which I did not authorize or initiate. 

Despite providing proof of identity, a police report, and a detailed identity theft affidavit, the credit reporting agency has failed to block and delete the fraudulent items as required under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

I also requested that my dispute be manually reviewed and not processed via e-OSCAR, which is an automated system known to violate proper reinvestigation standards. My requests have been ignored or inadequately addressed, violating 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and FACTA 312. 

The following inaccurate or fraudulent information was not authorized by me and should be removed : Incorrect names : XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX Inaccurate employer listings : XXXX XXXX and XXXX Incorrect address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Fraudulent account : XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  Unauthorized inquiries : XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) This failure to act is a violation of the following federal laws : 15 U.S. Code 1681c-2 ( a ), 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 6 ) 15 U.S. Code 6801, 6802, 1692 ( FDCPA ) I am demanding an immediate investigation, removal of all listed inaccuracies, and confirmation in writing. Failure to comply will result in further legal action. 

What would you like the company to do to fix the problem? 

Immediately delete all fraudulent accounts, inquiries, and incorrect personal data Send me a corrected credit report Ensure manual review of disputes ( not e-OSCAR ) Provide written confirmation of actions taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NV

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