vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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 am submitting a formal identity theft complaint under FCRA 605B and 609 ( e ). From XXXX to XXXX, multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent. 

I did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 ( permissible purpose ) and 605B, which requires consumer reporting agencies to block identity theft-related data within XXXX business days of receiving a valid FTC Identity Theft Report and police report. 
Accounts : XXXX - XXXX * * Owed Balance : {$3500.00} XXXX XXXX XXXXXXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$6100.00} XXXX XXXX XXXXXXXX  - XXXX * * Owed Balance : {$5700.00} XXXX XXXX XXXXXXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$9200.00} * * XXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$7000.00} XXXX XXXX XXXXXXXX  - XXXXXXXX XXXX XXXX  Owed Balance : {$3600.00} XXXX XXXX  XXXX  - XXXX XXXX XXXX  Owed Balance : {$3900.00} XXXX XXXX XXXXXXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$4700.00} XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX Owed Balance : {$0.00} XXXX XXXX XXXX/XXXX  - XXXX * * Owed Balance : {$0.00} XXXX XXXX  XXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed Balance : {$140.00} * * XXXX & XXXX XXXX XXXXXXXX XXXX XXXX  Owed Balance : {$760.00} XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$0.00} * * XXXX XXXX - XXXX XXXX XXXX  Owed Balance : {$0.00} XXXX XXXX  XXXX XXXX  - XXXX * * Owed Balance : {$0.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  Owed Balance : {$0.00} XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX Owed Balance : {$320.00} * * XXXX - XXXX XXXX XXXX  Owed Balance : {$320.00} XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$0.00} * * Unknown - XXXX * * Owed Balance : {$1800.00} XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX XXXX Owed Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX Owed Balance : {$0.00} XXXX XXXX XXXXXXXX  - XXXX XXXX * Owed Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed Balance : {$320.00} XXXX XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
I have hard inquiries needs to be disputed XXXX XX/XX/XXXXXXXX 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 2025-06-07 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: PA

Complaint narrative:
I have hard inquiries needs to be disputed XXXX XX/XX/XXXXXXXX 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 2025-06-07 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: IL

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report 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 2025-06-07 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: NY

Complaint narrative:
I am filing this complaint due to the continued and inaccurate reporting of a debt on my Equifax and XXXX  credit reports that I do not acknowledge as mine. I have repeatedly disputed this account, and yet the credit reporting agencies have failed to properly verify the debt. 

In every dispute submitted, I have clearly requested the following : A complete chain of assignment showing a legitimate transfer of ownership from the original creditor to the current furnisher ; A copy of any contract or agreement bearing my signature that legally binds me to this alleged debt. 

To date, none of this documentation has been provided, and yet the account continues to be reported negatively, damaging my creditworthiness. Notably, XXXX  has already deleted this account, which demonstrates that the other credit bureaus should have done the same based on the lack of proper verification. 

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Verifying a debt by merely matching outdated personal identifiers like old addresses does not meet the legal standard of a reasonable investigation. 

Additionally, case law ( e.g., XXXX v. XXXX XXXX XXXX ) supports the consumers right to demand proof of the debts legal assignment and enforceability. Without this documentationespecially a contract bearing my signaturethis debt is unsubstantiated and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I Am writing to dispute multiple fraudulent and inaccurate entries on my credit report these accounts do not belong to me and were authorized by me and continued represents a direct violation of my rights under the fair C Reporting act ( FCRA ) and the consumer financial protection act ( CFPA )

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
On multiple occasions Prosper declines my payment on my recurring water bill. I have called on multiple occasions to authorize the payment. I'm told it is rectified to then find out within a month or so it happens again. My card gets locked, I have to call each time and deal with this nonsense. 

Each time they decline the payment I'm charged a {$25.00} NSF fee even though I have sufficient credit and I have authorized the water company. 

Approximately XX/XX/year>, the day my first granddaughter came home, I had 2 guys walking around my front yard. I opened the door and asked what they were doing and they were going to turn my water off. I was caught up with the baby and didn't realize the payment had been declined multiple times. I have proof of the charges which have cost over {$100.00} now. 

What is stemming this complaint is I'm tired of having to pay the NSF fee when it is Prospers system. So I called and asked them to credit my account the {$25.00} as I do not think it is fair for me to suffer the fee when this continues to be a Prosper problem. 

I was informed today by XXXX, a supervisor at Prosper, said there is absolutely nothing I can do. I asked who I could speak with, she said no one. I asked, you're telling me that I can authorize the payment with my water company, and Prosper declines, I'm charged a fee, and I have to just deal with it. How is this fair? 

I have spent months trying to get this resolved. My water company thinks I am a deadbeat. I'm embarrassed, Prosper has defamed my character, the anguish, distress and the hours I have wasted is simply not fair and as far as I am concerned Prosper is unwilling to do anything about it.

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 2025-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
I dont remember exact dates but I have been paying {$100.00} every month to Dynamic Collections for past medical bills as agreed and then they turned around and said they couldnt get money from my bank account all of a sudden. Then all within a month without my knowledge they went to court and anitiatef a wage garnishment from my work which is more than what I can afford to pay. They are taking {$400.00} every paycheck biweekly. They still have failed to provide me a statement showing what or who I owe and how much exactly. I live on a fixed income from paycheck to paycheck I can not afford this. This is costing me greatly!! I have contacted Dynamic Collections back regarding this issue and told them I can not afford this and I can do the {$100.00} a month but they refuse to negotiate now all of a sudden!

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 2025-06-07 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: OK

Complaint narrative:
XXXX XXXX has posted on my Equifax account that I have a charge off but I never received a 1099 and it shows a balance if it is a charge off there should be no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
XXXX XXXX XXXX is furnishing a charged-off student loan to my TransUnion credit report without meeting the legal requirements of the Fair Credit Reporting Act. The reporting lacks a permissible purpose under 15 USC 1681b and was furnished without proper authorization or disclosure. It violates my right to privacy and the requirement that all information furnished be accurate, complete, and verified under 15 USC 1681e ( b ). This data was added to my report without giving me the legally required opportunity to review or dispute billing errors, which violates 15 USC 1666. Additionally, XXXX XXXX XXXX has failed in its responsibilities as a furnisher under 15 USC 1681s-2 by reporting unverified, unauthorized, and damaging information. This account has caused me ongoing financial and emotional harm. I have submitted an FTC Identity Theft Report and am exercising my rights under 15 USC 1681c-2 to request the permanent blocking and deletion of this information from all consumer reporting agencies.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The three major credit reporting agenciesEquifax, Experian, and TransUnionare reporting inaccurate personal identifying information ( PII ) on my credit file, including outdated addresses, incorrect name variations, inaccurate dates of birth, and past employers I never authorized to be shared. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have already requested corrections, yet the inaccuracies persist.

I have no other name and address but the following. All other should be removed as it is outdated and putting my privacy at risk. Any birthdays, Social security numbers, name variances, address variances and employers must be removed.

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 2025-06-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
Around XX/XX/XXXX a company called Glasser and Glasser sent me a civil suit on behalf of XXXX XXXXXXXX for a vehicle I voluntarily surrendered around XX/XX/XXXX. I responded to them and later I spoke with a representative and was offered a settlement offer on XX/XX/XXXX and also made a payment. I was told that I would receive paperwork in mail. Unfortunately, I didnt receive that letter til XX/XX/XXXX with a threat of litigation because I didnt respond to the Motion of Summary Judgment that I never got. They didnt send it certified and I have voice recordings from the representative making the offer. The debt collector filed a lawsuit while taking payments/ Taking legal action while accepting payments under an agreed plan ( unfair or deceptive ). I held up my end of the verbal agreement. Its only fair that they honor theirs, especially since they accepted my money. 
I feel misled and harassed. Any assistance with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received an email from Jared Jewelers that I had opened an account and purchased $ XXXX in jewelry. I have already notified all credit bureaus and put a fraud alert on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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 am writing to file a formal complaint regarding the unauthorized inaccurate address. listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these inaccurate address. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized inaccurate address. listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these inaccurate address. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX * * * Balance Owed : {$2400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX * * * Balance Owed : {$2400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief