vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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:
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 TransUnion 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 INQUIRIES 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NE

Complaint narrative:
I want to make it explicitly clear that this is a legitimate complaint requiring immediate attention. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial well-being. I firmly insist that a thorough investigation be conducted and that these inaccuracies be corrected or removed without delay. Prompt resolution of this matter is not only necessary it is critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In early XXXX, I was emotionally vulnerable after a traumatic breakup and engaged with several psychic/spiritual platforms ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was promised emotional outcomes ( she still loves you, youll reconcile soon ) in exchange for continued spending. This was emotional exploitation, not legitimate service. 

I submitted disputes with Chase Bank requesting reimbursement due to the emotional manipulation, and I submitted clear screenshots and written statements. Chase denied my claim, stating I received services and should take it up with the merchants. This ignores the context of manipulation and my mental vulnerability. 

I am requesting a full reinvestigation by Chase and a formal CFPB review. This is not buyers remorse this is predatory emotional abuse during a mental health crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request an updated credit report as the current report available on XXXX does not reflect the most recent data from XXXX. Despite accessing the report, I am unable to view the comprehensive and updated credit information, which is crucial for my records and any ongoing financial matters.

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 2025-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: TX

Complaint narrative:
On XX/XX/2025, I called the lender XXXX at XXXX XXXX  stating that I never provided authorization for a credit pull. The lender apologized but did not state inquiry will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian, and TransUnion. This request is based on the recent deletion of an account by XXXX, one of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$0.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In an attempt to open a new checking account, I met with a Truist Bank customer service rep at a local branch XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on XX/XX/year>. XXXX XXXX is XXXX XXXX, introduced herself as XXXX XXXX. After providing legal docs such as XXXX  XXXX and SS card, a checking account was opened. I made a {$50.00} cash deposit before leaving the branch. I received an initial Debit card, a new personalized checkbook, and invitations to open credit card accts with Truist plus other disclosures in the mail. However, later I learned the acct had been locked out as I no longer could access my acct online. Later I received many more documents from " XXXX XXXX XXXX XXXX  '' explaining the acct had been closed permanently. There has been no explanation why the acct was closed. Now, more than a month later, I still have not received a refund for my initial {$50.00} deposit. When I called that same branch and spoke with XXXX XXXX today, she was unable to explain why I had not received a refund and proceeded to hang up the phone. I need my {$50.00} deposit returned and I absolutely reason/reasons for closure.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

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
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Transunion Report showed several inquiries on my report and I did not authorize them. I reached out to the companies and got no response. 

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 explanation
Consumer complaint received 2025-04-29 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: COLLECTION ASSOCIATES, LTD.
State: GA

Complaint narrative:
I noticed a collection account from Collection Associates Ltd on my credit report that I do not recognize and was never notified about. I did not receive any written notice or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation into the validity of this debt and the removal of this collection from my credit report if it can not be properly verified. 

This account is causing harm to my credit and was placed without my knowledge or proper communication. I want this account removed if Collection Associates Ltd can not provide documentation proving the debt is mine, including the original creditor, amount, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX SV from XXXX XXXX XXXX. As part of the transaction, I paid a {$500.00} cash down payment and assigned a {$1500.00} manufacturer rebate to the dealership, resulting in a total down payment of {$2000.00}. 

The Retail Installment Sale Contract ( XXXX ) listed the dealership as the seller/creditor. The contract was later assigned to XXXX XXXX XXXX ( XXXX XXXX ) without clear disclosure of the assignment terms or proper notice to me as required under federal and California law. 

Upon information and belief, XXXX improperly securitized or pooled the XXXX for financial gain despite lacking clear legal authority based on the questionable assignment. 

Under XXXX XXXX XXXX XXXX  XXXX XXXX, the XXXXyear statute of limitations for enforcement of a written contract expired on XX/XX/XXXX. 

I notified Americredit via email of the expiration of their collection and enforcement rights and demanded the release of their lien within XXXX ( XXXX ) business days. 

Americredits continued lien presence on my title constitutes improper cloud on title, interference with my property rights, and damages my ability to sell, transfer, or refinance the vehicle. 

Their retention of lien rights, while simultaneously benefiting from securitization proceeds or servicing revenue, constitutes unjust enrichment and potentially fraudulent concealment of material facts regarding the true ownership and risk-holder of the XXXX. 

I expressly reserve all rights to pursue recovery of any and all proceeds, profits, and financial benefits Americredit obtained through improper assignment, securitization, servicing, or disposition of the XXXX, including the establishment of a constructive trust, full accounting, disgorgement, quiet title, and other equitable or legal remedies available under California and federal law. 

Failure to release the lien and correct title records will also result in regulatory complaints to the California XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the California Department XXXX XXXX XXXX and XXXX ( XXXX ) and may necessitate a Quiet Title action in California Superior Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 morning, I found an unauthorized inquiry on my credit report and it completely caught me off guard. I double-checked and refreshed the page, but it wasnt a system errorits still there. I am seriously frustrated and I need this looked into immediately. Please go over the documents I provided so this issue can finally be put to rest.

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 2025-04-29 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 and crimes which antedates the report by 7 years.15 U.S.C 1681s-2 ( 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 provided is not accurate and complete.

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 2025-04-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-29 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Data Mortgage Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Upon reviewing my credit report, I noticed discrepancies related to the account ( XXXX ) listed below : Account Name : XXXX Mortgage Account Number : XXXX Date Opened : XXXX Account Status : Incorrect Late Payments on account The inaccuracies in the information regarding this account are as follows : Reporting late payments on my credit report As per the provisions under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX XXXX and XXXX XXXX. XXXX, I am requesting a reinvestigation of the reported information. According to XXXX XXXX. XXXX XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate. Additionally, under XXXX XXXX. XXXX, the credit reporting agency is required to promptly investigate my dispute and resolve it within a reasonable period, usually 30 days from the date of receiving my dispute. 
Given the nature of the inaccuracies I have outlined, I respectfully request that you initiate an investigation into the disputed information. Please provide me with the results of your investigation, including any supporting documentation, or an explanation as to why the information can not be corrected or removed. 
In accordance with these laws, I expect that you will investigate these inaccuracies, and I request that you provide me with an updated copy of my credit report once the dispute is resolved. 
Thank you for your attention to this matter. Please confirm receipt of this dispute and let me know if any additional information is needed to proceed. I look forward to your timely resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation