vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX 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 explanation
Consumer complaint received 2025-03-18 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: ME

Complaint narrative:
I disputed an Open Child support case thats on my credit report. Bureaus failed to remove it. Child has been emancipated for several years. No payments are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year> Bank of America offered {$250.00} reward for bringing ' {$20000.00} new money ' to my account ending in XXXX. I was to leave the account balance at over {$20000.00} for the specified period of time and receive the reward. I have called the bank 3 times and have been told 3 different stories for why the reward was not made available. I can demonstrate I met all the requirements of the incentive yet have not been credited for the {$250.00}.

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 monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone used my information to purchase {$1600.00} worth of something. I did not make the purchase and filed a dispute with Chime. They denied the dispute without good reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings
State: CA

Complaint narrative:
There is an apartment building in downtown XXXX XXXX called " XXXX XXXX '', that not only not returns deposits but in addition also charges the people an additional bill after moving out. This happened to myself, but also to a multitude of other people as I can see in their XXXX reviews XXXX XXXX XXXX XXXX. 
In my case I only stayed in the apartment for 1 year, and left it in perfect condition ( have photo evidence to proof it, did a pre-checkout with them, and everything looked good. ) Once I left, they waited 1,5 year before they send me an itemized bill for carpet cleaning, painting cost, and other items, for almost {$1200.00} dollar total. There is no option to dispute the bill with them, because they don't respond to any e-mails or phone calls. This has been going on for more than 2 years now. They use a company called IQ Data XXXX, that starts calling you every day and try to threaten you to pay the bill. 
I hired a lawyer to dispute the bill, but also the lawyer runs into the issue that both XXXX XXXX and IQ Data XXXX is not responding to their e-mails. 
I tried to dispute the charges on my Credit Report with both XXXX and XXXX and neither is willing to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
Transunion is reporting the wrong balance for account XXXX XXXX. Transunion is reporting a balance of {$460.00}, when the attached documentation shows that this account was charged off years ago with a balance of {$410.00}. Furthermore, this account would have had a {$0.00} balance when this was sold to a third party. This account is also past the statute of limitations in the state of Texas and should have been removed in 2022. XXXX and XXXX have deleted this account. I am demanding that this account is removed within 7 days due to your inaccurate reporting of an outdated account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-18 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: MA

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
Consumer complaint received 2025-03-18 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:
My name is XXXX XXXX and I checked my credit report and was shocked to find multiple fraudulent accounts, inquiries, and personal information due to identity theft which now makes sense why I was denied for a vehicle due to my credit being so bad. You must understand how this information is affecting my emotional and physical wellbeing and has caused great damage to my reputation and cost me thousands of dollars. This information reporting should not be on my credit account and is inaccurate. Upon learning of these items on my credit report, I started doing my research and was really blown away at the Data Breach due to the CFPB Data Breach all over the news. 

The Fraudulent Accounts are as followed : ACCT XXXX AMOUNT : {$2500.00} Creditor : XXXXXXXX XXXX  Type : Credit Card. 

ACCT NUMBER : XXXX AMOUNT : {$4900.00} Creditor : XXXXXXXX XXXX Type : Credit Card This XXXXXXXX XXXX XXXX XXXX XXXX  CREDIT CARD account is a Fraudulent Charged off Credit Card account, it is not my account, Someone has used my credit to obtain some sort of credit card services from the institution. I have reported this to the local authories and obtained a police report, this matter is currently under investigation and the FTC has been notified as well, and I do not have a contract with the creditor. Please delete and block this account from harassing me and selling this account to 3rd party companies to post or from ever being back reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
My name is XXXX XXXX and I checked my credit report and was shocked to find multiple fraudulent accounts, inquiries, and personal information due to identity theft which now makes sense why I was denied for a vehicle due to my credit being so bad. You must understand how this information is affecting my emotional and physical wellbeing and has caused great damage to my reputation and cost me thousands of dollars. This information reporting should not be on my credit account and is inaccurate. Upon learning of these items on my credit report, I started doing my research and was really blown away at the Data Breach due to the CFPB Data Breach all over the news. 

The Fraudulent Accounts are as followed : ACCT XXXX AMOUNT : {$2500.00} Creditor : XXXXXXXX XXXX Type : Credit Card. 

ACCT NUMBER : XXXX AMOUNT : {$4900.00} Creditor : XXXXXXXX XXXX  Type : Credit Card This XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account is a Fraudulent Charged off Credit Card account, it is not my account, Someone has used my credit to obtain some sort of credit card services from the institution. I have reported this to the local authories and obtained a police report, this matter is currently under investigation and the FTC has been notified as well, and I do not have a contract with the creditor. Please delete and block this account from harassing me and selling this account to 3rd party companies to post or from ever being back reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
My name is XXXX XXXX and I checked my credit report and was shocked to find multiple fraudulent accounts, inquiries, and personal information due to identity theft which now makes sense why I was denied for a vehicle due to my credit being so bad. You must understand how this information is affecting my emotional and physical wellbeing and has caused great damage to my reputation and cost me thousands of dollars. This information reporting should not be on my credit account and is inaccurate. Upon learning of these items on my credit report, I started doing my research and was really blown away at the Data Breach due to the CFPB Data Breach all over the news. 

The Fraudulent Accounts are as followed : ACCT XXXX AMOUNT : {$2500.00} Creditor : XXXXXXXX XXXX Type : Credit Card. 

ACCT NUMBER : XXXX AMOUNT : {$4900.00} Creditor : XXXXXXXX XXXX Type : Credit Card This XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  CREDIT CARD account is a Fraudulent Charged off Credit Card account, it is not my account, Someone has used my credit to obtain some sort of credit card services from the institution. I have reported this to the local authories and obtained a police report, this matter is currently under investigation and the FTC has been notified as well, and I do not have a contract with the creditor. Please delete and block this account from harassing me and selling this account to 3rd party companies to post or from ever being back reported to 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Coast 2 Coast Financial Group, LLC
State: LA

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the reporting of the account from CTC financial llc ( account # XXXX ) on my credit report** under XXXX.Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C XXXX ) and Metro 2 Compliance Standards, I am requesting an immediate investigation and deletion of this account due to inaccuracies and potential violations in the way it is being reported. 



Upon reviewing my credit report, I have identified multiple discrepancies that do not comply with Metro 2 guidelines and FCRA regulations : Violations Identified XXXX. Inconsistent Account Data Across Credit Bureaus The date opened is XX/XX/XXXX on XXXX but the balance from then to now is yet the same, which creates conflicting information. 

The balance differs, with XXXX reporting XXXX as highest balance but reporting {$41000.00} as balance and XXXX website is reporting {$52000.00} which suggests reporting errors. 

XXXX The account has been reported as late XXXX days, yet it payments is bi weekly and history says ok. 

XXXX. Re-Aging of Debt ( Potential Violation of FCRA 15 U.S.C XXXX ( a ) ( XXXX ) ( A ) ) The Date of Last Payment is reported as XX/XX/XXXX on XXXX but XXXX XXXX website it states XX/XX/XXXX, raising concerns about illegal re-aging. 

The Date Last Active is also inconsistent, showing XX/XX/XXXX on XXXX indicating potential data manipulation to extend the reporting period unlawfully. 



Requested Action Due to the above inconsistencies, re-aging, and reporting violations, I demand that this account be immediately removed from my credit report for failing to meet the accuracy and compliance standards set forth by the FCRA and Metro 2 guidelines.

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) of the FCRA, if the reported data can not be verified or corrected, it must be deleted. Therefore, unless you can prove that this account is 100 % accurate and fully compliant with Metro 2 reporting standards, I expect it to be removed. 



Supporting Documentation Attached Copy of my ID for verification. 

Highlighted copy of my credit report showing the disputed information. 



Please investigate this matter within the required XXXXday timeframe and provide me with a written response regarding the actions taken. If you fail to respond or correct these errors, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action.

Company response to consumer: Closed with explanation