vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXXXXXX XXXX for retirement after XXXX  years of XXXX. In XXXX, my XXXX XXXX account was charged off. I made a payment of {$200.00} on XX/XX/XXXX. I filed a good-faith dispute through Experian in early XXXX XXXX requesting that the tradeline be updated to accurately reflect its charged-off status and remove any misleading past due or collection references. 

Instead of confirming the accuracy of the original charge-off, XXXX XXXX updated the account on XX/XX/XXXX to state it was a collection account with a {$16000.00} past due balance, even though the account had been closed since XXXX, no new delinquency occurred, and no collection agency is involved. This caused an immediate XXXX FICO score drop on my Experian credit report. 

This account has not been sold or assigned for collection. Labeling it a collection is inaccurate, and reporting it as past due misrepresents the nature of a charged-off account. I am requesting that this account be updated to : Status : Charged off Closed Account Remove collection account label Remove the past due balance field Maintain the original XXXX  of XXXX I have attached evidence, including : The current and prior versions of the tradeline The score drop notification My XXXX payment history XXXX  orders verifying my XXXXXXXX XXXX XXXX and protected status This misleading reporting seriously impacts my ability to secure funding as I prepare to open a XXXXXXXX business after retirement. Im not asking for deletion just accurate, fair, and legal credit 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 2025-05-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER ID XXXX Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Identity Theft and Fraudulent Bank Accounts To Whom It May Concern, I am writing to formally dispute information on my ChexSystems consumer report that is the result of identity theft. 

Recently, I discovered that someone used my personal information to open bank accounts without my knowledge or authorization. I did not open these accounts, nor did I give anyone permission to use my identity to do so. These actions were done fraudulently and are causing significant harm to my financial standing and reputation. 

Please consider this letter a formal request to investigate and remove any and all fraudulent bank accounts or inquiries associated with my name and Social Security number from your records. 

To assist with your investigation, I have included the following supporting documentation : A copy of my government-issued photo ID A copy of a utility bill or other proof of address A copy of the police report or identity theft affidavit Any other relevant documents or correspondence from banks involved Please confirm receipt of this dispute and let me know the outcome of your investigation. I also request that you send me an updated copy of my ChexSystems consumer report once the fraudulent entries have been removed. 

If you need any further information from me, please do not hesitate to contact me by mail, phone, or email as listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ACCOUNTS XXXX  XXXX XXXX XXXX : THAT XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FINANIAL

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, the complainant purchased a XXXX  service prepaid cell phone from XXXX in XXXX XXXX  XXXX for a trip where the complainant 's regular server would not cover. The customer service representative asked it if anything had to be turned of or returned once the month service period was over and the response was no. {$33.00} was paid and one phone call was immediately made to ensure service worked. Complainant went on the scheduled trip and was not able to use the phone due to misrepresentation of service coverage. On XX/XX/XXXX, a bill was issued from XXXX for {$100.00}. On XX/XX/XXXX, that bill was sent to collections in the amount of {$130.00}. A call was made to XXXX  to dispute and ask why it was sent to collections 7 days after the initial bill was issued. They had no response and said that they could see the phone was not used, but there was nothing they could do because it had been sent to collections. The complainant called the collections agency ( Credence Resource Management , LLC ) to issue a dispute, and they said XXXX does not have prepaid phones. The Complainant asked why that information wasn't previously shared and there was no answer given. The collections agency reported to credit agencies, which negatively affected said credit. Complaint disputed this bill with the credit XXXX XXXX XXXX. Received notice from XXXX that the information on the credit report was accurate and that the next step is to dispute with the CFPB. This seems to be a case of misrepresentation and entrapment at the very least. 

Credence Reference : XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-22 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: AL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-22 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: WA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX WA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-05-22 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: WA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX WA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$8200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Considering I was uninformed of them, these inquires seem to be unapproved and could be a sign of fraud. Please act quickly to resolve this problem. For reference, supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 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:
I noticed some illegal and wrong hard inquiries on my credit report. I dont have any account with XXXX  XXXX neither have requested your services, cards, loan or anything there are XXXX hard inquiries on my credit report affecting and causing a huge personal damage. I ask for your full cooperation in order to fix this issue I have called transunion I have addressed this issue verbally and by mail to XXXX  XXXX. They have not done anything and I still see those negatives items on my transunion credit report. I filled a complaint with XXXX XXXX XXXX weeks ago and they have done the right thing eliminating and removing the same inquiries that I am demanding to be removed inmediately on here. Under the law I ask you to proceed and make this companies to understand that those inquieres are not made by me. I have implemented freeze on each of my account with transunion, XXXX XXXX XXXXx for that reason I had some identity theft issue in the past who is been corrected and solved I monitor my credit on daily basic because that now I want those hard inquieres out if my credit report respectfully 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 2025-05-22 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:
This letter is to demand the immediate removal of credit inquiries made without my knowledge or consent. These inquiries represent an unauthorized and fraudulent use of my personal information, and I will not accept them being tied to my name. 

Let me be perfectly clear : I did not initiate, authorize, or approve these credit inquiries in any form. They were made without my permission, and they do not reflect any action I took or intended to take.

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 2025-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: TX

Complaint narrative:
Debt collection agency : XXXX XXXX XXXX, XXXX called my mother 's phone number 3 times on XX/XX/year> between the hours of XXXX XXXX. They left XXXX detailed voicemail stating if they did not speak to me today regarding my account, a note will be added to it. My mother called them back and informed them that is not a phone number to reach me at, and I would call them back later on in the day. XXXX XXXX minutes later she received ANOTHER phone call asking how long it would take me to call them back and if she was certain I would be calling them today. I did not provide that company with my mother 's phone number as a contact for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority
State: FL

Complaint narrative:
I have a student loan with GA Student Finance opened in XX/XX/XXXX. My first date of delinquency was in XXXX i rehabilitated the loan in XXXX and without my knowledge the created a whole new loan and closed the XXXX loan in order to start the credit reporting timeframe over again. I was not told about this. I only ever had XXXX loan with Georgia student finance opened in XXXX. They keep saying i have a XXXX loan because they closed the XXXX loan and created a new loan without my knowledge or approval to do so. I was told i was rehabilitating the current loan, not starting a new loan. This loan should no longer be reporting on my credit report since the first date of delinquency was in XXXX and they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-22 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: WA

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX WA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 non-monetary relief