vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: MD

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
Superior Auto Finance, ( SAC finance ) for XXXX XXXX originally XXXX. I have contacted XXXX on multiple occasions at this point disputing the information being inaccurate. The amount owed is wrong, I have been paying on the account for some time. Its automatically being taken out of my paychecks which I sent to XXXX  somehow they are still considering everything still accurate. XX/XX/year> and XX/XX/year> are the dates I submitted through XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. It this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-21 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. It this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have identified several items on my credit report that I do not recognize. It appears that my identity may have been stolen, as I did not authorize these accounts. I have previously raised this issue and am now formally requesting that these unauthorized accounts be removed immediately. The presence of these accounts is causing me significant distress and does not accurately reflect my credit history or financial management. 

Dealing with this matter has been difficult, and if it is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and providing for my family. I trust we can resolve this issue as quickly as possible.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these account I have no knowledge of and have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well to let them knowledge that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
I am filing this complaint specifically against Experian for continued inaccurate reporting of my XXXX XXXX XXXX XXXX unsecured loan account ( ending in XXXXXXXX XXXX XXXX ). 

This account is still being reported by Experian as XXXX  days late, even though I made a payment on XX/XX/year>, and the last account activity was reported on XX/XX/year>. 

I have already disputed this account previously with Experian. Despite that, the bureau has failed to update or correct the tradeline to reflect the actual status. 

Experians actions are in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) : FCRA XXXX ( a ) : Experian is required to conduct a reinvestigation and correct or delete information that is inaccurate, incomplete, or can not be verified within XXXX days. 
FCRA XXXX ( b ) : Experian must report all consumer information with maximum possible accuracy. 
FCRA XXXX ( b ) : Upon receiving notice of a dispute, Experian must ensure the furnisher has updated and verified all relevant data. That has not been done.

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 2025-04-21 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach and/or fraud. I hereby demand verifiable proof, including documentation bearing my physical or electronic signature, for any accounts or inquiries alleged to be authorized by me. 

This letter is submitted directly by me, not through any third party, and I request your full and careful review. I never authorized the actions reported, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these entries and confirmed that these actions were initiated without proper validation or supporting documentation. As such, they are not factually accurate and appear to be the result of fraudulent activity or unauthorized reporting by creditors or third-party data furnishers. 

This is a formal request for you to immediately investigate, and block or delete the disputed information unless you can provide lawful verification of my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
I was informed by my lender that a collection company has reported a medical debt to the credit bureau which I understand is illegal. Not only is it not my debt, insurance hasn't paid their part, but it was reported to credit bureau after XXXX of 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 2025-04-21 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$690.00} XXXXXXXX XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-04-21 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got an XXXX alerts that my credit score had dropped b/c of a hard inquiry at Bank of America XXXX I called the number provided and they told me someone opened a business under my name XXXX and/or XXXX XXXX XXXX  and then they were trying to open three personal credit cards and a business card or checking account at Bank of America XXXX None of these were me. the email used by them is 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 2025-04-21 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: MO

Complaint narrative:
I have identified several items on my credit report that I do not recognize. It appears that my identity may have been stolen, as I did not authorize these accounts. I have previously raised this issue and am now formally requesting that these unauthorized accounts be removed immediately. The presence of these accounts is causing me significant distress and does not accurately reflect my credit history or financial management. 

Dealing with this matter has been difficult, and if it is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and providing for my family. I trust we can resolve this issue as quickly as possible.

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 2025-04-21 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: SC

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 XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-04-21 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:
I am writing to formally file a complaint against Experian through the Consumer Financial Protection Bureau regarding XXXX unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not initiated or authorized by me, and I consider them fraudulent. 

The inquiries in question are as follows : XXXX Card Services Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX On XX/XX/XXXX, I contacted Experian and spoke with a representative in the Fraud Department XXXX During that conversation, I clearly explained that these inquiries were unauthorized and requested their immediate removal. The representative assured me that the inquiries would be removed within XXXX hours. 

As of today, XX/XX/XXXX, these inquiries remain on my credit report. This failure to act on a clear and timely fraud complaint is unacceptable and is negatively impacting my credit profile. 

I am demanding that Experian take immediate action to remove these unauthorized inquiries from my credit report. I am also requesting that the CFPB investigate Experians failure to follow through on its commitment and ensure compliance with the Fair Credit Reporting Act ( 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 2025-04-21 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:
There are unauthorized entries on my credit report resulting from the fraudulent use of my personal information. I did not authorize, initiate, or benefit from these transactions in any way. Acknowledging the severity of this situation, I took immediate action by filing a formal report with the Federal Trade Commission. Despite following the proper procedures and reporting the fraudulent activity, these inaccurate items have not been removed from my credit report. The continued presence of this information is both unacceptable and damaging, and I am being unfairly burdened by the consequences of someone elses criminal actions. This matter requires immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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