vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reserved all rights without prejudice. Formal notice of administrative violation fees is hereby enforced : {$15000.00} per unlawful reporting violation, {$5000.00} per day for continued dishonor, and {$2500.00} per unauthorized record. 

I submitted lawful dispute notices and uploaded proper documentation, yet I received an automatic reply from CFPB, not a human review. This constitutes willful negligence and failure to fulfill the agencys statutory duty under the Fair Credit Reporting Act and XXXX consumer protection laws. 

I demand immediate redress, deletion of all unverified, inaccurate, and unauthorized items from my credit report, and confirmation of full compliance. 

Additionally, the attached record ( Your Complaints.pdf ) documents multiple complaints mishandled or wrongfully closed without lawful investigation, further demonstrating a pattern of administrative fraud and willful neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of an account being reported by XXXX XXXX XXXX on my credit file. The alleged debt is not only inaccurate and unverifiable, but XXXX XXXX has also committed multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) which raise serious legal concerns.

Dispute Summary : 1. No Proper Debt Validation Provided : XXXX XXXX  failed to provide
verifiable proof that I owe this alleged debt, including a valid chain of ownership. Despite my request for validation under 15 U.S.C. 1692g, no sufficient documentation has been produced.

2. Cease and Desist Violation : After issuing a cease and desist demand to XXXX XXXX, they continued to attempt collection, and contacting me by phone in violation of 15 U.S.C. 1692c ( c ). This is not only harassing but also unlawful.

3. No Proof of Chain of Title or Right to Collect : They have not shown any evidence of the legal right to collect, particularly in the event that this debt has been securitized or sold to a third party. Without a complete chain of title, any reporting or collection is fraudulent and misleading.

4. Violation of My Consumer Rights : Their actions have caused me stress, reputational damage, and lowered my creditworthiness without substantiated legal basis.

Formal Request : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting : An immediate investigation into this account.

Suspension of reporting during the investigation.

Permanent deletion of this account from my credit report if validation can not be provided.

I am attaching copies of my cease and desist letter, prior correspondence, and supporting documentation.

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 2025-04-25 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of an account being reported by XXXX XXXX XXXX on my credit file. The alleged debt is not only inaccurate and unverifiable, but XXXX XXXX has also committed multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) which raise serious legal concerns.

Dispute Summary : 1. No Proper Debt Validation Provided : XXXX XXXX  failed to provide
verifiable proof that I owe this alleged debt, including a valid chain of ownership. Despite my request for validation under 15 U.S.C. 1692g, no sufficient documentation has been produced.

2. Cease and Desist Violation : After issuing a cease and desist demand to XXXX XXXX, they continued to attempt collection, and contacting me by phone in violation of 15 U.S.C. 1692c ( c ). This is not only harassing but also unlawful.

3. No Proof of Chain of Title or Right to Collect : They have not shown any evidence of the legal right to collect, particularly in the event that this debt has been securitized or sold to a third party. Without a complete chain of title, any reporting or collection is fraudulent and misleading.

4. Violation of My Consumer Rights : Their actions have caused me stress, reputational damage, and lowered my creditworthiness without substantiated legal basis.

Formal Request : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting : An immediate investigation into this account.

Suspension of reporting during the investigation.

Permanent deletion of this account from my credit report if validation can not be provided.

I am attaching copies of my cease and desist letter, prior correspondence, and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-04-25 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, Empower withdrew {$130.00} from a bank account that was no longer on file on my empower account. I removed my XXXX XXXX account back in XXXX, even received an email confirming the XXXX account was no longer connected to Empower. My XXXX XXXX account was the only account on there and is the one that should have been charged. 
Empower says they didn't charge my bank account, they charged my debit card instead .. which is technically the same thing. BUT ... no where on my account does it show any cards that are attached so theres no way to remove or change them!!! 
I have proof of all of this and have contacted them like 30 times and they just keep lying and now they refuse to respond. 
I DID re add my XXXX account 2 days later to take the {$130.00} back they took out because my bank account charged me {$70.00} in overdraft fees.BUT now I can't remove it!!! It says I can't remove it cause I need to add another bank account first but XXXX is on there and was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
The dispute highlights inaccuracies in the XXXX XXXX XXXX accounts payment history, including " No Data '' entries, improper charge-off reporting after a settlement, and potential miscalculation of the reporting period, violating FCRA guidelines . The requested resolution is the complete deletion of the account from the credit report. Previous investigations resulted in " updated '' information in which nothing was actually updated.

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 2025-04-25 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  XXXX XXXX * * * * Balance : {$0.00} & XXXX XXXX * * * * Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  XXXX XXXX * * * * Balance : {$0.00} & XXXX XXXX * * * * Balance : {$1100.00}

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 2025-04-25 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: CA

Complaint narrative:
TransUnion is currently reporting outdated and inaccurate personal information on my credit report, including multiple previous addresses and an employer that are no longer relevant or accurate. Specifically, TransUnion is showing : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; and the employer XXXX. These entries are not reflective of my current identity or employment status and may contribute to inaccurate matching of data on my report. Under XXXX XXXX XXXX ( b ), TransUnion is required to maintain the maximum possible accuracy of all consumer information. Continued inclusion of outdated personal data increases the likelihood of reporting errors, identity mismatches, and cross-reporting of irrelevant or false accounts. I have submitted documentation to verify my current address and employer, and TransUnion has failed to 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 non-monetary relief
Consumer complaint received 2025-04-25 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: MS

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 2025-04-25 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: MS

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
my debit card ending in XXXX was used on XX/XX/2025. a fraudulent charge was made to : XXXX XXXX XXXX XXXX {$1.00} Concora Credit Inc XXXX {$170.00} The payment posted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize these inquiries on my credit report - XXXX IMPORT INQUIRY DATE : XXXX - XXXX XXXX DATE : XXXX - XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-25 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: IL

Complaint narrative:
I did not authorize these inquiries on my credit report - XXXX IMPORT INQUIRY DATE : XXXX - XXXX XXXX DATE : XXXX - XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
I was contacted by a representative regarding an alleged debt. During the conversation, I informed the representative that the debt resulted from identity theft, and that a formal report had been filed with the Federal Trade Commission ( FTC ) over a year ago. I also advised that the original creditor had been formally notified of the identity theft and dispute via certified mail in XX/XX/year>. 

Despite being made aware of this information, the representative aggressively demanded to know whether I intended to pay the debt. I clearly stated that I would not pay a debt that was the result of identity theft. The company is attempting to collect on a debt that has been formally disputed and identified as fraudulent, in apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Their actions are causing continued harm and are inconsistent with the legal protections afforded to identity theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Chase placed a hold on my sole account because they received a Court order to place a hold on my son for past due NC taxes. My son is not a joint account holder on my account he is only listed as a pay upon death beneficiary. Funds were taken from my account to satisfy this legal order even though my son is not an account holder for my account and has put the money in his sole account to satisfy the whole amount of the order. I have spoken with the legal department of Chase and with NC DOR and neither will release the hold on my account.

Company response to consumer: Closed with explanation