vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-09 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: VA

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theift I do not recognize this account please remove those from my credit report they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-05-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX I initiated a wire for {$14000.00} from Bank Of America. I did this from XXXX Bank Of America XXXX. I wanted to send to myself at XXXX. The second I pressed send I realized the wire is going to an incorrect account. It was XXXX XXXX. I was at the bank when it opened and placed a wire callback. The wire was sent to an account at XXXX XXXX. XXXX XXXX writes back that they need a hold harmless letter before they will return the funds. 

I have been transferred a dozen times between Bank Of America departments and no department knows which other department generates the hold harmless letter. There is no fraud involved, just stupidity on my part. 
BofA Claim : 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 monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The car was repossessed. The car is not in my possession. I ask that this debt be removed from all three credit reporting agencies immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-09 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: DE

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for furnishing materially inaccurate and misleading credit information to the nationwide consumer reporting agencies, in clear violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i. 

In XXXX, I entered into a 3-month payment arrangement with XXXX XXXX XXXX I made the first payment on time. The second payment was made just five ( 5 ) days late, and I subsequently paid the full remaining balance in XX/XX/year>, which I can document with a XXXX receipt. 

Despite this, XXXX reported the account as a collection to all three major credit bureaus. Even more egregiously : Equifax now shows a 120-day late status in XX/XX/year>, which is patently false since the only late payment was for 5 days ; TransUnion reports the account as a collection, with reporting dates that post-date my full payoff ; Experian also lists the account as derogatory, though no such default occurred. 

I filed disputes with each bureau. In response, XXXX validated these false reports, rather than correcting or deleting them. I was never notified of any reinsertion of disputed information, as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

These actions are : Factually inaccurate and unsupported by XXXX own records ; Misleading in severity and chronology of the payment history ; Causing material harm to my credit profile and finances ; Indicative of a systemic failure to comply with credit reporting obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-05-09 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 am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency XXXX only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ).

Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty.

I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation.

Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. 

I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. 

I have attached all my identity theft reports.

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 2025-05-09 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: PA

Complaint narrative:
I am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency XXXX only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ).

Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty.

I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. 

Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified.

I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. 

I have attached all my identity theft reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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 am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency XXXX only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ).

Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty.

I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. 

Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. 

I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. 

I have attached all my identity theft reports.

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 2025-05-09 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: NV

Complaint narrative:
I am writing to formally dispute the above-referenced debt on my credit report, and to request immediate verification of the debt in compliance with 15 U.S.C. 1681e ( b ), which mandates that you accurately verify all information reported on my credit report. Specifically, I am requesting that you provide me with the following : A copy of the original contract that I allegedly signed with your company or the original creditor ( XXXX  XXXX or XXXX  XXXX ) for the debts listed, which shows my signature and authorization of the transaction. 

Proof that this debt is valid, including any documentation that proves I agreed to the terms of this alleged debt. 

Proof that the transaction was not fraudulent or unauthorized, as I dispute the validity of these accounts.

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 2025-05-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute the above-referenced debt on my credit report, and to request immediate verification of the debt in compliance with 15 U.S.C. 1681e ( b ), which mandates that you accurately verify all information reported on my credit report. Specifically, I am requesting that you provide me with the following : A copy of the original contract that I allegedly signed with your company or the original creditor ( XXXX XXXX or XXXX XXXX ) for the debts listed, which shows my signature and authorization of the transaction. 

Proof that this debt is valid, including any documentation that proves I agreed to the terms of this alleged debt. 

Proof that the transaction was not fraudulent or unauthorized, as I dispute the validity of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-09 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: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX XXXX XXXX XXXX {$18000.00} XX/XX/year>.

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 2025-05-09 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: MD

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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