vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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 am reporting Equifax for continuing to report a fraudulent and inaccurate account from XXXX XXXX ( Account No. XXXX ), which I have disputed with a full identity theft package under FCRA 605B.

Equifax claimed to verify the account but has not provided : Any signed documentation or contract ; Any description of the method of verification as required by 1681i ( a ) ( 7 ) ; Any explanation of why the account was not blocked or deleted, despite proper identity theft documentation.

In addition, the account is being reported with multiple inaccuracies, in violation of 1681e ( b ). Specifically : There are reporting discrepancies across all three bureausEquifax, XXXX, and XXXXregarding the same account ; The data reported on my file is inconsistent, outdated, and misleading, especially when fraud has already been documented. 

This incorrect information has continued to damage my credit profile, despite the clear obligation to delete unverifiable or fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There are two late payments on an account that I 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 dates XX/XX/year> and XX/XX/year>. I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. if the information can not be verified, I demand these payments to be updated to 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 2025-04-18 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There are two late payments on an account that I 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 dates XX/XX/year> and XX/XX/year>. I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. if the information can not be verified, I demand these payments to be updated to on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: OH

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureau Experian Experian Fraud Department XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Fraudulent Credit Information Due to Identity Theft Dear Experian, I am writing to formally dispute inaccurate and fraudulent information contained in my credit report. I am a victim of identity theft, and the following accounts/inquiries do not belong to me and were made without my knowledge or consent. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX These accounts are incorrectly reported under my name and social security number. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you block and remove this fraudulent information from my credit report.

I have included the following documentation as proof of my identity and support for this dispute : Please conduct a reinvestigation and remove the unauthorized accounts from my credit file. In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please send written confirmation once the inaccurate data has been deleted or corrected.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MA

Complaint narrative:
I have done this multiple times and its getting exhausting. I am a FULL TIME XXXX XXXX and in deferment per my school. You can not report me late for a loan when Im in deferment.

I just uploaded the deferment information for the 4th time. Maybe this time youll actually read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MD

Complaint narrative:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Reporting the Inquiry : Equifax, Experian, TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred.

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law.

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA.

Thank you for your time and assistance in this matter.

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 2025-04-18 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: MD

Complaint narrative:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Reporting the Inquiry : Equifax, Experian, TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred.

I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law.

I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA.

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. My rights as a consumer under the Fair Credit Reporting Act ( FCRA ) have been violated, as I did not give permission for these inquiries to be made. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA , specifically 15 U.S.C. 1681n, it is unlawful for an entity to obtain a consumer 's credit report without a permissible purpose. I did not authorize these inquiries, nor did I apply for credit or services from the organizations listed above. Despite my requests, these companies have not provided any proof or documentation demonstrating a permissible purpose for accessing 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 2025-04-18 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This whole situation has been incredibly stressful. Ive been doing everything right on my end, but my report is still dragging me down because of info that isnt even accurate. Ive been turned away from things that really mattered, and its frustrating to keep explaining myself over something that shouldnt be there in the first place.

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 2025-04-19 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: NC

Complaint narrative:
I recently came across a credit inquiry from your company on my credit report, and I want to make it very clear that I never gave permission or authorization for this. I did not apply for any credit or services with your company, nor did I provide my consentwritten or verbalfor you to access my credit information. This is extremely concerning to me. Not only is it an invasion of my privacy, but it also has the potential to negatively impact my credit score for something I never approved.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I be paying for credit protection an now I need to used I send medical reports am XXXX  is going to be 3 months I my payment is overdue I call they say when time for payment they respond is 3 months now and nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-18 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-18 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
my Citi bank account was locked on XX/XX/XXXX and citi bank was unable to unlock the account. citi was supposed to overnight me a card to create a new account, instead they overnighted me a letter telling me my account was locked and that I needed to call ( already did this on XX/XX/XXXX ). on XX/XX/XXXX, I spoke with citi bank customer service and they opened a new account over the phone, they were supposed to send me a new card and new account creation within 1 week. it is now XX/XX/XXXX, I have still not received that information ( expected XX/XX/XXXX ). citi claims they are unable to confirm my identity and can not transfer the money in my savings account until the blocked account is resolved or the new account is open. I can not control either of those and they are talking me in circles.

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 2025-04-18 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON 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 2025-04-18 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: IA

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation