vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: T.S. Holdings
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, my kids are XXXX XXXX, XXXX XXXX. On XXXX XXXX XXXX XXXX XXXX  took us to court for unpaid rent due to the pandemic. The court ordered stipulation was amount owed is {$11000.00} and court records to remain sealed. So we could find another place to live. I was advised by Plaintiff counsel to contact apartment manager to make payments. 
I tried numerous times and dates to contact apartment manager and their Attorneys to ask who and were to make these payment. But no one wanted to help me and kept giving me misleading information. It wasn't until XX/XX/XXXX that my son tried to rent an apartment but was denied because XXXX XXXX reported us to collections and provided our information to I.Q Data International Inc. The amount posted we owed was {$35000.00} the wrong amount. I called XXXX XXXX at XXXX XXXX to ask why that incorrect amount was there and they were not suppose to report it. But she kept denying it. Ultimately she confirmed that was wrong amount and corrected it. I called I.Q Data to notify records were to remain sealed per court order, request a payment plan. After the representative asked intrusive questions ; like who lives with me, am i married, how much do i make, what other bills i owe, my social security #, he said i did not qualify. I again tried calling spoke with another representative again this representative was rude and hung up on me. I called back asked for a manager and was given his manager XXXX extension XXXX, i left message but no return call. I called XXXX different times on XXXX different dates, but representatives were rude, hanging up on me, not returning calls and not wanting to help with payment arrangements. I sent certified mail with a copy of the court stipulation to show proof of the court order. But when i called again to asked if they received my document they said yes but did not want to help me. I also request this be removed and asked for payment plans. I was denied and spoken to very rude, now the amount as of XX/XX/XXXX has been changed to {$13000.00} by I.Q. Data International.Inc.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have discovered discrepancies with the following item ( XXXX ) : XXXX. The following account is not mine DEPT OF EDAIDVANTAGE Account Number : XXXX * * * * * * * * * * * * * * * * * My personal and financial data was compromised violating XXXX. I request full cancellation of my student loan debt. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * My personal and financial data was compromised violating XXXX. I request full cancellation of my student loan debt. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these erroneous entries. It is my understanding that you are required to verify these items with the relevant creditor. Please delete any information that can not be substantiated by the creditor. I am aware that, as per XXXX XXXX Sec. XXXX ( a ), you must complete this investigation within XXXX days of receiving this letter. 
Kindly send an updated copy of my credit report to the provided address. According to the aforementioned act, no fee should be charged for this updated report. Additionally, I request that you notify any entities who have obtained my credit report in the past XXXX months about the corrections made.

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 2025-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX XXXX & XXXX ( XXXX Creditor : XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> TransUnion XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Equifax XXXX XXXX VIA XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> REMOVE THESE XXXX XXXX XXXX ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I pulled my credit and I noticed Upstart inc charged off the account on my credit and I have never received a XXXX form can you please gone head and send that now

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: 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: MI

Complaint narrative:
In XX/XX/year>, a {$100.00} XXXXrelated debt was reported by XXXX. XXXX on my Experian credit file. I was never notified by XXXX of any final bill, nor was I given a chance to resolve the issue before it was sent to collections. 

I disputed this directly with Experian, citing my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, which states that a consumer must be provided written notice and given the opportunity to validate a debt. No such notice was given. 

Despite this, Experian completed the investigation and allowed the collection to remain, without validation or evidence of proper notice. 

This violates both the FDCPA and my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate and verifiable information. 

I am requesting this entry be removed immediately or that sufficient documentation from the original creditor be provided that proves notice was given.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In a letter dated XX/XX/XXXX of 2025 BMO Harris Bank or BMO bank card end. A. Consumer credit card ending in XXXX sent me a letter saying that my card was canceled. This is from US retail payments department at BMO Bank NA XXXX XXXX Illinois. Contact number XXXX. This cancellation resulted in my credit rating going down XXXX points the very next day.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my TransUnion credit report. I recently reviewed my credit report and noticed inquiries from XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX which I did not authorize.

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 2025-04-19 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: WI

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal car loans, credit cards & other accounts. These are the accounts 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 XXXXXX/XX/XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal car loans, credit cards & other accounts. These are the accounts 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX 1. Inconsistent Reporting of High Credit and Credit Limit Equifax reports High Credit as {$10000.00} and Credit Limit as {$0.00} which doesnt make sense for a revolving account. 
Experian reports the Credit Limit as {$10000.00}, which aligns with expectations for a secured card. 
TransUnion shows {$0.00} Credit Limit, which can negatively affect credit utilization calculations. 
2. Minor Late Payment Notations Theres a 30-day late mark on XX/XX/year> in both TransUnion and Experian, which could harm your score especially since the account is now paid and closed. 
Conflicting credit limit and high balance data across bureaus. 
A XXXX late payment reported in 2023 potentially incorrect if payments were on time.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My devices was hacked on XX/XX/year>, the hacker gain access to my personal information and accounts ( social media, XXXX ). On XX/XX/year>, the hacker made a purchase using my XXXX account to buy a laptop costing me {$1000.00}. The laptop was delivered to an address in another state away that I do not recognize and had no contact with at all. I report this issue to both XXXX and Bank of America. I also file a police report and FTC report regarding identity theft. 
On XX/XX/year>, I filed a dispute claim with Bank of America telling them what happen and provided them with police report and FTC report to prove that this claim is legit and I did not authorized this payment on my debit card. After XXXX business days the bank denied my claim saying they believed I authorized this transaction. However, as described above I did not authorized this transaction as my computer was hacked and I did not received any benefit from this because the item paid with my account was delivered to an address in another state.

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 monetary relief
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 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 status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
XXXX XXXX XXXX  is inaccurately reporting a Paid Charge-Off on my Equifax credit report for what was simply a checking account. This account was not a credit card or loan. It had a small negative balance caused by maintenance or service fees due to inactivity, and it was closed by the bank not defaulted. 

I was never extended credit, never missed a repayment, and was not informed of any charge-off process. This tradeline is materially misleading and damaging to my credit profile. I respectfully request its removal from my credit reports or correction to reflect its true nature as a non-credit checking account closed by the bank.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX - Opened XX/XX/XXXX With a balance of {$1600.00} XXXX - Opened XX/XX/XXXX With a balance of {$350.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX - Opened XX/XX/XXXX With a balance of {$590.00} XXXX  - Opened XX/XX/XXXX With a balance of {$440.00} XXXX XXXX XXXX- Opened XX/XX/XXXX With a balance of {$100.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$310.00} XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$870.00} XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$10000.00} XXXX  - Opened XX/XX/XXXX With a balance of {$6900.00} XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} XXXX - Opened XX/XX/XXXX With a balance of {$390.00} XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} None of these accounts, collections, were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) ( # XXXX ). I expect that TransUnion will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by 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 2025-04-19 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: AL

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 explanation