vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of inquiries from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the incorrect inquiries identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit 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 explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
I am not liable for this alleged debt. A statement by the consumer that the information relating to any transaction by the consumer i do not consent. I did not give authority. We have no idea what your talking about. We have no idea of what your stating. We never signed a contract with none of these company 's. This is a form of deception and a violation against the fair business practice act and its deceptive and unfair. It is also a misrepresentation. Can they validate the debt?

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting a loan that was used for medical purpose. The loan is label an auto loan because its a title loan that was used for medical debt and by law this needs to be deleted from my credit report. 

" The following debts XXXX account number XXXX MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, 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 2025-06-11 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:
To Whom It May Concern, I am writing to report fraudulent financial activity that has severely impacted my credit and continues to cause me emotional and financial distress. 

While I was married to a XXXX XXXX who did not have a Social Security number, he was unable to open financial accounts in his own name. Without my knowledge or consent, he fraudulently opened an XXXX credit card and XXXX XXXX XXXX accounts under my nameone personal and XXXX business. He forged my signature on the applications, used the accounts without my authorization, and proceeded to XXXX them out. 

As a result, I am now being held responsible for over {$20000.00} in debt that I did not incur. Debt collectors continue to call me relentlessly, and these fraudulent accounts have significantly damaged my credit report. I have already filed a report with IdentityTheft.gov and am in the process of recovering from this identity theft. 

I am requesting the Consumer Financial Protection Bureau to help ensure that : These fraudulent accounts are removed from my credit report ; I am not held financially liable for any of the unauthorized charges ; The debt collectors are directed to cease all contact regarding these accounts. 


This situation has caused undue hardship, and I respectfully request immediate assistance to resolve the matter. 

Thank you for your attention and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to report fraudulent financial activity that has severely impacted my credit and continues to cause me emotional and financial distress. 

While I was married to a XXXX XXXX  who did XXXX XXXX XXXX XXXX XXXX XXXX, he was unable to open financial accounts in his own name. Without my knowledge or consent, he fraudulently opened an XXXX credit card and XXXX XXXX XXXX accounts under my nameone personal and XXXX business. He forged my signature on the applications, used the accounts without my authorization, and proceeded to XXXX them out. 

As a result, I am now being held responsible for over {$20000.00} in debt that I did not incur. Debt collectors continue to call me relentlessly, and these fraudulent accounts have significantly damaged my credit report. I have already filed a report with IdentityTheft.gov and am in the process of recovering from this identity theft. 

I am requesting the Consumer Financial Protection Bureau to help ensure that : These fraudulent accounts are removed from my credit report ; I am not held financially liable for any of the unauthorized charges ; The debt collectors are directed to cease all contact regarding these accounts. 


This situation has caused undue hardship, and I respectfully request immediate assistance to resolve the matter. 

Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rausch Sturm LLP
State: GA

Complaint narrative:
I had a debt originally owed to XXXX XXXX, which was later transferred to a third-party debt collector, XXXX XXXX. I paid the full amount to XXXX XXXX to satisfy the debt, and I have documentation confirming the payment. However, the account still shows an outstanding balance on my credit report, or is not properly updated to reflect that the debt has been paid in full. This inaccurate reporting is negatively impacting my credit.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, furnishers of credit information have a legal obligation to report accurate information and to correct or delete any information that is found to be inaccurate after a dispute.

Per the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), a debt collector is prohibited from reporting credit information they know or should know is false including failing to report a debt as paid when it has been satisfied. 

I believe XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ) by continuing to report inaccurate information regarding a debt that has been paid in full.

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 2025-06-11 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 non-monetary relief
Consumer complaint received 2025-06-11 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: AR

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I contacted the Bank of Hawaii Corporation through u.s postal mail ; online and by telephone. At the customer service contact number XXXX ( XXXX ) XXXX. And provided my personal information and was told that my account was closed. But, when going online and providing my personal information the banks computer system acknowledges my name and do not deny I have an investments account at all?. I received {$140.00} XXXX dollars in United States currency. Do to a family inheritance. An through it all into investments during the year of XX/XX/XXXX. XXXX I purchased unlimited stocks shares marketing and products.Therefore the $ XXXX dollars was divided amongst XXXX the largest United States Banks. $ XXXX was transfered in to the Bank of Hawaii Corporation under my name XXXX XXXX XXXX XXXX XXXX XXXX I was told by the CEO Chief Director XXXX XXXX XXXX XXXX that there is XXXX to investing. XXXX money ; XXXX 2 years and dont spend anything ; XXXX I can spend. But when the XXXX was up in 2013. I then decided to contact the Bank of Hawaii Corporation through customer service and was gave the total run around. Finally I asked to speak with the Bank of Hawaii administration department. An to make a long story short. I provided the female administrator with my account number ( XXXX ) and my bank documents were sent to me the very next day. Which indicated $ XXXX XXXX dollars of investments etc .. Now with being said. If my situation is not resolved to my satisfaction. Then I will be definitely contacting the FBI DIRECTOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: WA

Complaint narrative:
I took out a {$13000.00} loan with Climb Credit for the XXXX XXXXXXXX XXXX XXXX starting in XX/XX/XXXX. The loan payments began at {$200.00} per month from XX/XX/XXXX through XX/XX/XXXX, and then increased to {$510.00} per month from XX/XX/XXXX until now. I currently still owe {$9400.00}, with nearly XXXX years of payments remaining. 

I was promised strong mentorship and job outcomes from this program. The program was marketed to me via an online ad when I was going through a difficult time in my life. I signed up during a vulnerable period and feel I was misled into taking on this large loan. 

The mentorship consisted of one meeting per week. I intended to complete the program and kept trying through a difficult period of my life, but the level of support and outcomes were not what had been promised when I took out the loan. I did not complete the program and was unable to obtain any job from it. 

I am now XXXX XXXX  and this loan is creating a massive financial burden on me. I am requesting that the CFPB investigate this loan, that Climb Credit be required to cancel or reduce this loan, and that payments be paused while the dispute is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I entered into this contract agreement with Mossy

GMC without full disclosure. Transparency regarding the process of the consumer credit application being the financial asset [ 12 CFR 360.6 { 2 } I have reason to believe that GM Financial willingly and knowingly took advantage of me and my consumer credit. I found several violations and fraud. I was given false and deceptive information, as I was informed that a down payment of {$4000.00} was needed for me to drive off the lot. The amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges, .In pursuant to 15 U.S. & 1605 { a } I was given false and deceptive information.

Mossy GMC also accepted a CASH down payment of {$4000.00} violating 15U.S. & 1605 which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction .this account was created on XXXX XXXX. THE account number ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
I was a victim of the Equifax data breach, publicly acknowledged by Equifax in XX/XX/year>, which exposed the sensitive personal and financial information of millions of individuals, including mine. As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. 
The following account does not belong to me : XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
What happened? 
On XX/XX/year>, a hard inquiry from JPMCB Card ( JPMorgan Chase Bank ) appeared on my credit report without my knowledge or consent. I did not apply for any credit card, financing, or product from JPMorgan Chase on or around that date. I have no active applications or business with them and never authorized anyone to initiate an inquiry on my behalf. 

This incident is part of a broader identity theft case I am currently involved in. My information was stolen by someone I previously lived with, and this person has been using my identity to fraudulently open lines of credit and ruin my credit standing. I have filed identity theft complaints with the CFPB and the Federal Trade Commission ( FTC ) and am actively working to recover from the damage caused. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604, no hard inquiry should be performed without express consumer authorization. This inquiry violates those terms and was made without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains.

Accordingly, these accounts must be removed immediately and permanently from my credit 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 2025-06-11 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-11 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: MA

Complaint narrative:
Subject : Request for Deletion and Blocking of Fraudulent Accounts under 15 U.S.C.

1681c-2 ( a ) To Whom It May Concern, I am writing to formally dispute and request the permanent blocking and deletion of fraudulent accounts that have appeared on my Equifax credit report as a result of identity theft. I am a victim of a data breach that exposed my personal identifying information, which has led to unauthorized accounts being fraudulently opened in my name. 

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax block the reporting of the following accounts, which do not belong to me and were opened without my authorization : List of Fraudulent Accounts to Be Blocked and Deleted 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 In support of this request, I have enclosed the following documentation as required under the FCRA : 1. A copy of my ID and Proof of Address 2. Affidavit 3. Screenshot of Data Breach In accordance with the law, I request that these accounts be blocked from my credit file within the required timeframe and that I receive written confirmation once the block has been applied and the accounts deleted. 

Please investigate this matter and take the necessary steps to ensure my credit file is accurate and free from fraudulent information. I expect a timely response as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Subject : Ongoing Inaccurate Reporting XXXX  Account Furnisher : XXXX XXXX XXXX XXXX Credit Bureau : Equifax Date : XX/XX/XXXX Dear CFPB, I am filing this complaint against Equifax for continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ) in their reporting of the XXXX account on my credit report. Despite prior disputes, the account continues to display materially inaccurate and misleading information that significantly affects my credit profile. 

Inaccuracies and FCRA Violations : 1. Inaccurate Account Status Equifax is reporting this account as Derogatory, even though the account was settled, paid, and closed with a {$0.00} balance. Both TransUnion and Experian report the status as XXXX. This constitutes a violation of : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Knowingly reporting misleading or incomplete data.

2. Incorrect or Incomplete Credit Limit Equifax lists the credit limit as {$0.00}, while both other bureaus show the correct limit of {$300.00}. This inconsistency negatively impacts my credit utilization scoring and violates : FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information if found to be incomplete or inaccurate. 
XXXX. Manipulated Last Reported Date Equifax recently updated the Last Reported field to XX/XX/XXXX, despite no new account activity since settlement in XXXX. This artificially makes the account appear current and derogatory, which is misleading and detrimental. 
FCRA 607 ( b ) : Misleading reporting of stale accounts as active derogatory. 
XXXX. XXXX XXXX XXXX Equifax continues to report late payments ( XXXX, XXXX, XXXX, XXXX ) after the date of full settlement, violating : FCRA XXXX ( a ) : Failure to correct inaccurate payment history upon dispute. 



Enforcement Precedent : I also wish to cite the XXXX XXXX XXXX XXXX enforcement action against Equifax, which resulted in a {$15.00} XXXX civil penalty for violating the FCRA, including failure to conduct proper investigations and continuing to report inaccurate information ( CFPB XXXX Enforcement Order ). XXXX actions in my case reflect similar patterns of noncompliance. 



Requested Action : Permanently delete or fully correct the XXXX account. 
Provide written confirmation and results of reinvestigation. 
Cease reporting false derogatory information across all fields. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief