vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-28 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: TN

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 2025-03-28 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-03-28 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Service original creditor is XXXX balance of {$170.00}. I paid it on XX/XX/year> and they said they will give me a deletion letter so I can purchase a home and they have not and said they will not. It's paid and its affecting me tremendously now. 


XXXX XXXX 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 2025-03-28 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: NM

Complaint narrative:
I am filing this complaint under Section 605B of the Fair Credit Reporting Act ( FCRA ) due to TransUnions failure to take action after receiving proper notice of identity theft. On [ insert date if XXXX like ], I sent TransUnion a complete identity theft packet via certified mail, including a signed police report, XXXX FTC Identity Theft Reports, a formal 605B request letter, and a highlighted copy of my credit report outlining all fraudulent information. My letter also included a clear written request that all communications be sent by physical mail only. 

Despite delivery confirmation, TransUnion has made no attempt to dispute, remove, or block the fraudulent information from my credit report. They have also failed to communicate with me in any form. As of today, the disputed accounts and inquiries remain unchanged, and I have not received any written response acknowledging receipt of my identity theft documentation or outlining their investigation efforts. 

This is a direct violation of my rights under Section 605B of the FCRA, which requires credit reporting agencies to block fraudulent items within four business days of receiving proper documentation. TransUnions lack of response, inaction, and failure to follow protocol is causing serious harm to my credit and financial health. 

I am seeking the CFPBs assistance in holding TransUnion accountable for their noncompliance and ensuring my rights as an identity theft victim are enforced. I am attaching the original full report I submitted plus an additional report I pulled showing no additional changes, assistance, or help even after I provided ample documentaion under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TN

Complaint narrative:
I have not done any contract with this company or debt collection company. I am a victim of XXXX XXXX, and this was placed on my credit report in the account is not mine.

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 2025-03-28 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: TN

Complaint narrative:
I have not done any contract with this company or debt collection company. I am a victim of XXXX XXXX, and this was placed on my credit report in the account is not mine.

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 2025-03-28 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: MI

Complaint narrative:
Hey I just noticed the reporting Agencies updated the payment history to unknown how is that accurate tell them to provide proof of validation under 15USC 1692 Then look at this credit acceptance says they have no control how the bureau furnish information so how they get the information to report accurately thats so deceptive So look the payment history for XXXX XXXX XXXXp is now unknown- so how is the balances true? The account is passed the sol so why is it still reported/ being updated Delete the account immediately and cease all reporting efforts. 

Here is the proof!! 

Experian and equifax is not fully validated and not fully complying to the law!!! 

The sol is up removed the accounts stop updating the accounts without providing proof!!!

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 2025-03-28 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My identity has been stolen in numerous data breaches and has been on the dark web. This account was open fraudulently with my stolen information. I will be uploading an Identity Theft FTC report for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This statute mandates that credit reporting agencies must conduct a reasonable investigation of consumer disputes within 30 days. Equifaxs repeated failure to investigate and respond properly violates this core obligation under the FCRA. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) This provision requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information in consumers credit reports. Equifaxs inaccurate reporting and lack of diligence in verifying disputed information constitute further violations. 

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) This law prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ). Equifaxs failure to investigate disputes, provide necessary documentation, and ensure accuracy in its credit reporting practices violates the CFPA. Notably, the CFPB recently cited Equifax in XXXX XXXX XXXX XXXX. XXXX for engaging in similar unfair and deceptive practices, which underscores the companys repeated pattern of non-compliance. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Equifaxs ongoing non-compliance with the FCRA and CFPA. Specifically, I request that the CFPB : Investigate Equifaxs failure to conduct reasonable investigations of consumer disputes and ensure compliance with FCRA-mandated procedures. 

Require Equifax to provide documented proof of any investigation conducted, as required under federal law. 

Impose corrective measures and penalties, as appropriate, to prevent future violations. 

Notice of Intent to Sue : If these issues are not resolved promptly and Equifax does not correct the inaccuracies in my credit report and provide documented proof of a proper investigation, I will pursue legal action against Equifax. Under the FCRA, consumers have the right to file a lawsuit in federal court for willful violations ( 15 U.S.C. 1681n ) or negligent violations ( 15 U.S.C. 1681o ), and may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorneys fees and court costs. 

I urge the CFPB to act swiftly to protect consumers like me from further harm caused by Equifaxs unlawful practices. If Equifax continues to ignore my rights under federal law, I will take further legal action to hold them accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I spoke with XXXX XXXX alleged prosecutor. 
She said Im being charged with breach, willful intent to fraud and theft service Charge. 
She claimed I owed a debt That there company bought from the XXXX. And they are going to serve me papers and take me to court. 
I had filed bankruptcy and This was part of my bankruptcy. I believe this is a scam and they are trying to use scare Tactics to get me to pay something I dont owe. Furthermore, there is nothing on my credit report from this company or any other, saying I owe a past debt. 
The company claims to be XXXX, XXXX and XXXX associates. The go by another Name, which is a bunch of other names like XXXX  that are nothing like the ones they are portraying this time. 
Their phone number is XXXX And XXXX. 
Their fax number is XXXX I really hope someone can follow up with me regarding this. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-28 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: MN

Complaint narrative:
I have been trying to dispute inaccurate information on my credit report with Experian. I have late payments reported from XXXX XXXX XXXX XXXX during Covid-19 when loan payments were paused and also during times when my loans were deferred and being consolidated. I also have been trying to contact them in regards to some inquiries that are not mine as one can not dispute those on Experian 's website. My purse with my wallet and passport were stolen a couple years ago and I have had some fraudulent accounts I have been disputing already on my report that Experian has not deleted yet. I have sent in disputes to Experian online in regards to the late payments reported from XXXX XXXX in which they replied they had finished the dispute and had supposedly verified the information as accurate and refused to correct it. I also tried calling Experian to speak with someone to correct this information, however no matter what I said or pressed for options on their automated system, they kept ending the call and there is no option to speak with anybody. I called XXXX XXXX about the inaccurate late payments and they referred me to the XXXX XXXX XXXX which is closed and I got nowhere. Please help me get this inaccurate information corrected and/ or deleted off of my credit report. Thank you so much.

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX XXXX 2025. I went into US Bank after making an appointment to open up business bank accounts for my LLC and I was denied and supplied a letter saying contact my check system. I have since then pulled my XXXX  as well as my XXXX XXXX consumer reports and no negatives are reporting back. I followed back up with XXXX the XXXX of the XXXX branch and he said it was out of his hands so now I'm looking to find answers.

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