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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Under 15 U.S.C. 1681c-2, 15 U.S.C.1681i ( a ) ( 5 ) I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. 
XXXX XXXX are the original Creditors. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete accounts as soon as possible. Failure to comply will result in legal action for damages under 15 U.S.C. 1681o and 1681n.There weren't any account numbers to report for said companies. For all three CRAs.

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: 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 am submitting this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting late payments on my credit report for an account that was already closed and paid in full. According to my credit report from Experian, this account was marked as Paid, Closed in XX/XX/2023. However, it is somehow showing a 30-day late payment for XX/XX/2023 and a 60-day late payment for XX/XX/2023. 

This doesnt make any sensehow can an account that was fully paid and closed in XXXX still report late payments months later? This reporting is completely inaccurate and is hurting my credit score for no valid reason. I never missed a payment after the account was closed because the account didnt even exist anymoreit was settled and done with. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to report only accurate and verifiable information, and this clearly isnt. This also goes against Metro 2 reporting guidelines, which dont allow new delinquencies to be reported on an account thats marked as paid and closed. Its misleading to lenders, and it unfairly damages my creditworthiness. 

I have tried to dispute this error with Experian and requested that they investigate and remove the inaccurate late payments, but I have not seen any correction made. Im frustrated because Im trying to rebuild my credit, and something that should no longer be reporting at all is now showing I was late after everything was paid offwhich is simply false.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting late payments for accounts including XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ). Several of these accounts show closed or paid balances, yet are still reporting as derogatory. Some balances have also shifted between bureaus, which calls into question the integrity of the data being reported. Experian has a duty under 15 USC 1666b and 15 USC 1681e ( b ) to ensure proper and accurate reflection of payment history, which it has failed to uphold.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is showing a number of late payment entries with conflicting balances and questionable reporting dates. These accounts include XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) at {$7200.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) at {$3200.00}, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) at {$2400.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) at {$930.00}, XXXX ( XXXX XXXX XXXX XXXX XXXX ) at {$500.00}, and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) at {$590.00}. Many of these accounts are closed or paid but still carry derogatory reporting. TransUnion is not accurately reflecting the current and actual payment history, which is a direct violation of 15 USC 1666b, which governs how payments and balances should be reported with accuracy and fairness.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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: WV

Complaint narrative:
I recently reviewed my credit report and noticed an account listed on my credit report that I do not recognize. I have never opened or maintained any account with this company, and I have no knowledge of it whatsoever.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting collection accounts from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) for {$6900.00} and XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) for {$7400.00}. These accounts not only reflect inconsistencies compared to other bureaus but also contain account masking and formatting errors that make it difficult to accurately identify or validate the debts. This raises strong suspicions that these accounts may have been inaccurately assigned, mishandled, or even generated through unauthorized access following a data breach. Equifax has a statutory responsibility under 15 USC 1681e ( b ) to ensure the completeness and accuracy of reported data, and the current reporting fails to meet this standard.

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: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Two fraudulent collection accounts have been reported on my credit report that I did not authorize, open, or use. The first account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, listed as opened on XX/XX/year>, with a balance of {$1000.00}. The second account is from XXXX XXXX XXXX, reported as opened on XX/XX/year>, with a balance of {$9800.00}, referencing XXXX XXXX XXXX XXXX XXXX 
I have never had any dealings with either of these companies and did not authorize these accounts. I submitted disputes with the credit bureau ( s ), but the accounts remain. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, as these entries are inaccurate and the result of identity theft. 
I have provided a government-issued ID and a notarized affidavit of residence as proof of my identity. I am requesting that the Consumer Financial Protection Bureau assist with having these fraudulent accounts removed immediately.

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: NC

Complaint narrative:
Two fraudulent collection accounts have been reported on my credit report that I did not authorize, open, or use. The first account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, listed as opened on XX/XX/year>, with a balance of {$1000.00}. The second account is from XXXX XXXX XXXX, reported as opened on XX/XX/year>, with a balance of {$9800.00}, referencing XXXX XXXX XXXX XXXX XXXX 
I have never had any dealings with either of these companies and did not authorize these accounts. I submitted disputes with the credit bureau ( s ), but the accounts remain. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, as these entries are inaccurate and the result of identity theft. 
I have provided a government-issued ID and a notarized affidavit of residence as proof of my identity. I am requesting that the Consumer Financial Protection Bureau assist with having these fraudulent accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NV

Complaint narrative:
It has been brought to my knowledge that XXXX new accounts have been opened by a XXXX. The XXXX new accounts are as listed. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX with a {$2100.00} balance. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$3800.00}. This is in addition to previous claims.

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 2025-05-03 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: NV

Complaint narrative:
It has been brought to my knowledge that XXXX new accounts have been opened by a XXXX. The XXXX new accounts are as listed. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX with a {$2100.00} balance. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX reporting a balance of {$3800.00}. This is in addition to previous claims.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a total loss process ongoing. 

I have called Chase XXXX XXXX XXXX XXXX several times and receive different answers every time. I was told by 2 agents that I do not need to pay my loan amount due to the payoff check being sent and I would be okay to wait for it to be paid off. I was then told by another agent that I absolutely should be paying for the loan. I informed them of the tracking number and said the check was delivered to them from my Insurance on Wednesday morning and was told " we don't know where it is '' even though I have CONFIRMED delivery notice that it is there. I asked to speak to someone else about this and was told there is no one else to speak to. Was rudely interrupted many times and basically told " nothing we can do for you here, okay have a good day ''. Terrible service. They clearly aren't trained properly and don't know what they're talking about as everyone says something else. I was told to call back on Friday as the check would be cleared and the loan would be paid off by the insurance company. It's Friday and they " don't know where the check is ''. When I tried to provide them with the tracking number for the delivery, they didn't want it. No care in the world for their loan customers.

Company response to consumer: Closed with non-monetary relief