vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: IL

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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im filing this complaint because TransUnion continues to report the XXXX XXXX XXXX XXXX XXXXXXXX ) account that I never authorized and that should not be on my credit file. This is the second time Ive disputed this same account, and I still havent received any response or explanation. XXXX  isnt even reporting this account, which clearly shows that something is off. If this account were valid, why is one of the major bureaus not reporting it at all? I didnt give permission for this account to be reported in the first place, which means theres no permissible purpose under 15 USC 1681b ( 2 ). TransUnion is also legally required under 15 USC 1681e ( b ) to ensure that all information they report is accurate and verified to the maximum extent possible. In this case, theyre doing the oppositecontinuing to report an account that has no verification, no proof, and no explanation. When I submitted my dispute, I expected a proper investigation. But I didnt receive any documentation showing how they verified the account, who they contacted, or what the results were. Thats a clear violation of my rights under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires them to provide me the results of the reinvestigation, and 15 USC 1681i ( 7 ), which gives me the right to know how the investigation was conducted. I got none of that. Also, under 15 USC 1681c-2, I have the right to request that fraudulent or unauthorized information be blocked from my credit report. Ive provided documentation to support that this account should not be there, and TransUnion still has done nothing. This is not just about one account. The continued presence of this charge-off is damaging my credit profile and affecting major parts of my lifemy ability to get approved for credit, housing, and even job opportunities. Its frustrating and stressful to keep dealing with the same issue when the law is supposed to protect me as a consumer. I feel ignored and disrespected. At this point, I am asking for the Consumer Financial Protection Bureau ( CFPB ) to step in and hold TransUnion accountable. They are violating the Fair Credit Reporting Act and failing to uphold basic consumer protections. If they continue to ignore their legal responsibilities, I will consider further legal action, including seeking damages for willful or negligent noncompliance under 15 USC 1681n and 1681o. Im not asking for anything unreasonableI just want this inaccurate, unauthorized charge-off account permanently deleted from my credit file. I expect TransUnion to follow the law and do whats fair.

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 2025-05-15 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: FL

Complaint narrative:
On my check report my credit is lock any wants to check my check has to call email me before running my credit I had to call all 3 credit agencies to tell I did not anyone promise to run my credit I have a fraud alert on my credit. Do to my personal information data breach was leak I need them to remove all incorrect inaccurate information my credit file and remove all my old address I don't live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
1. I do not know Linebarger Grogan Blair & Sampson, LLP Attorney At Law COLLECTION SERVICE 2. I do not have any contractual obligation to Linebarger Grogan Blair & Sampson, LLP Attorney At Law COLLECTION SERVICES. 

3. I never signed any agreement with Linebarger Grogan Blair & Sampson, LLP Attorney At Law COLLECTION SERVICES. 

4. I never consented for Linebarger Grogan Blair & Sampson, LLP Attorney At Law to share my personal information.

5. My name is Copyright protected through my tribe.

6. That copyright is registered with the Library of Congress.

7. I am advising Linebarger Grogan Blair & Sampson, LLP Attorney At Law to cease and desist any/all collection regarding this name.

9. I am advising Linebarger Grogan Blair & Sampson, LLP Attorney At Law to cease and desist any and all collection against me.

10. I demand Linebarger Grogan Blair & Sampson, LLP Attorney At Law to contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

11. Failure of Linebarger Grogan Blair & Sampson, LLP Attorney At Law to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as XXXX XXXX. No further notice besides this notice shall be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I recently checked my credit report and found several inaccuracies. Please delete all disputed accounts from my 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
DEBT ORIGINATION DATE NONE PROVIDED ORIGINAL CREDITOR XXXX  XXXX XXXX  NA ACCOUNT NUMBER QUESTIONABLE TRANSFERRED DEBT COLLECTOR XXXX, XXXX & XXXX, XXXX FILE XXXX XXXX  BALANCE DUE {$1300.00} XXXX  ACCOUNT XXXX PLEASE BE ADVISED, THE POSITION OF THIS FORMER DEBTOR, TAKES THE STANDING THAT THIS SELLING OF THIS ACCOUNT, DOES CREATE A SEPARATION OF ANY OBLIGATIONS, THERE EXIST NO CONTRACTUAL AGREEMENT IN PLACE, SIGNED OR AUTHORIZED BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I filed XXXX  XXXX bankruptcy and was laid off. I sold my house after dismissal of the bankruptcy. We are all set to close since XX/XX/year>. However in order to close, I need a payoff of a lien that Zwicker and Associates placed on my house. We contacted both XXXX and Zwicker Associates from the lawsuit. Both entities have been unable to provide a payoff though Zwicker has a judgment with a dollar amount that specified no interest. Each blames the other and give a different answer each day. We have tried to call everyday to no avail. I don't know what else to do. I am afraid of losing the sale and thus my house to foreclosure. Zwicker Associates, PC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Apologies if this is duplicate complaint of XXXX. I called and was told that I can open complaints with both XXXX and Zwicker and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had money on my cash app. I went to buy something found out I was logged out. Called customer service they locked my account for XXXX because it was hacked. I asked if they could just send my money off so I wouldn't lose it theysaid they couldn't. AND I couldn't access it then when they gave me access the money was sent to other account. I requested refunds like they said and they denied it. When no one was supposed to have access to my account how was the money taken. They stole my money and are refusing to give it back. On top of that I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had an autoloan with wells Fargo that included GAAP coverage. My car was hit while parked on XXXX XXXX and a total loss. Insurance paid {$9000.00} and I had to pay {$2500.00} out of pocket despite having paid for GAAP coverage. They told me that because my payment due date was changed at the start of my loan my GAAP coverage that was included in my monthly financing payment was void even though I continued to pay for it each month.

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 2025-05-15 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-05-15 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: PA

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 non-monetary relief
Consumer complaint received 2025-05-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have made sure to make my payments on time for JPMCB CARD with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report. 

JPMCB CARD XXXX XXXX XXXX XXXXXX/XX/year> BALANCE {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt. However, the information has not been provided, due to my information being exposed. I have submitted an FTC complaint reporting the information I am not familiar with. I am attaching a copy of my ID. The FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-05-15 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: WI

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my 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 explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-15 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt. However, the information has not been provided, due to my information being exposed. I have submitted an FTC complaint reporting the information I am not familiar with. I am attaching a copy of my ID. The FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered something extremely alarming someone has been using my name to open fraudulent credit inquiries without my knowledge or consent. These inquiries were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. 
This situation has caused me significant distress, and Im urgently requesting that it be investigated and resolved as quickly as possible. Im asking and expecting that you take immediate action to remove and block these unauthorized credit inquiries from my credit report. 
Below are the credit inquiries that appear to have been fraudulently made in my 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 XXXXXX/XX/XXXX. 
These credit inquiries are causing me serious, personal, emotional, and financial harm. I expect an immediate investigation, written confirmation of removal, and no further damage to my credit report. I take this matter very seriously and will escalate legally if necessary.

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 2025-05-15 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation