vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I noticed two unauthorized accounts on my Equifax credit report, which I had to pay to access. I checked my report because I was denied a personal loan from XXXX XXXX, and my Equifax credit score was significantly lower than other bureaus. Upon reviewing the report, I found I was listed as an authorized user on a XXXX XXXX  credit card I do not recognize. This card was maxed out and in poor standing.

I immediately contacted Equifax customer support to address the issue and formally disputed the account, requesting removal as an authorized user. I have no knowledge of this account or its owner. Additionally, it appears that this same card is duplicated on my report. 

On XX/XX/year>, after receiving a response from XXXX XXXX  regarding my dispute, I called XXXX directly. They confirmed they have no record of me in their system and, therefore, can not remove me as an authorized user. I then contacted Equifax again, as my dispute was marked " Closed, '' yet the accounts remained. Equifax was unhelpful and insisted that I needed to have XXXX remove medespite XXXX stating they have no record of me and can not assist. 

Equifax refuses to explain how they obtained this erroneous information and why it remains on my report despite clear evidence that my Social Security number has never been associated with these accounts. This misinformation directly impacted my creditworthiness, as my loan denial explicitly cited my Equifax report, including the negative account. I believe this is a serious violation, and XXXX failure to correct this issuedespite my formal dispute and supporting informationis unacceptable. Additionally, I am paying for XXXX credit monitoring service to track my dispute, yet they have provided no meaningful assistance in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$300.00} XXXX XXXX Balance {$940.00} XXXX XXXX Inquired on XX/XX/year> 2023

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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! 

"

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate employer information on my credit report for the second time, as my previous request was not properly addressed. My current employer is XXXX XXXX XXXX XXXX, and any other employer listed on my credit report must be immediately deleted, as it is incorrect and does not reflect my actual employment record. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, credit reporting agencies are legally required to ensure that only accurate and authorized information appears in a consumers credit file. The continued presence of incorrect employer details, despite my previous dispute, violates the FCRAs permissible purpose rules and may lead to the misuse of my personal information. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation and correct or delete any disputed inaccuracies. Failure to comply is a willful violation under 15 U.S.C. 1681n, making the responsible parties liable for up to {$1000.00} per violation in statutory damages. Since this is my second dispute, I expect immediate action to correct this issue. I demand that all incorrect employer information be permanently removed from my credit report and that I receive written confirmation of these corrections. If this matter is not resolved promptly, I will escalate my complaint further and take all necessary actions to ensure full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a loan for a XXXX XXXX XXXX from Credit Acceptance . Shortly after it the police had it towed to XXXX XXXX. Unfortunately XXXXXXXX XXXX sold the vehicle. And Credit Acceptance is still reporting it on my credit report. It has been 6 years and from my understanding of the Michigan Law it should no longer be showing up on my credit any more. This situation is hindering me from moving forward. Ive called to get this resolved so now Im filing a complaint with Credit Acceptance and Consumers Financial Protection Bureau as well. 

600.5807 Damages for breach of contract ; specific performance ; period of limitations ; bond ; deed ; mortgage ; surety bond ; appeal bond ; public obligations ; other actions.

Sec. 5807. 

( 1 ) A person may not bring or maintain an action to recover damages or money due for breach of contract or to enforce the specific performance of a contract unless, after the claim first accrued to the person or to someone through whom the person claims, the person commences the action within the applicable period prescribed by this section. 
( 2 ) The period of limitations on an action charging a surety on a bond of a personal representative or guardian is 4 years after the discharge of the personal representative or guardian. 
( 3 ) Except as otherwise provided in this section or another statute of this state, the period of limitations is 10 years for an action founded on a bond of a public officer. 
( 4 ) The period of limitations on an action founded on a bond executed under sections 80 and 81 of 1846 RS 16, MCL 41.80 and 41.81, is 2 years after the expiration of the year for which the constable was elected.

( 5 ) The period of limitations is 10 years for an action founded on a covenant in a deed or mortgage of real estate. 
( 6 ) Except as otherwise provided in another statute of this state, the period of limitations is 2 years for an action charging a surety for costs.

( 7 ) The period of limitations is 2 years for an action brought on a bond or recognizance given on appeal from a court in this state.

( 8 ) The period of limitations is 10 years for an action on a bond, note, or other like instrument that is the direct or indirect obligation of, or was issued by although not the obligation of, this state or a county, city, village , township, school district, special assessment district, or other public or quasi-public corporation in this state.

( 9 ) The period of limitations is 6 years for an action to recover damages or money due for breach of contract that is not described in subsections ( 2 ) to ( 8 ).

History : XXXX, Act 236, Eff. XXXX XXXX XXXX XXXX -- Am. XXXX Act 15, Eff. 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this second formal complaint against XXXX XXXX XXXXXXXX for failing to remove an unauthorized account # XXXX from my credit report, despite my previous dispute. I never provided written consent for this account to be reported under my name, which is a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681b, regarding permissible purposes for obtaining and reporting consumer credit information. My first dispute was ignored, and XXXXXXXX XXXX XXXXXXXX has failed to provide proper verification of the debt, as required under 15 U.S.C. 1681g. Under 15 U.S.C. 1681c-2, XXXX XXXX XXXXXXXX is legally required to block and remove any information that I have disputed as unauthorized. Their failure to comply is a willful violation of 15 U.S.C. 1681n, making them liable for at least {$1000.00} per violation. Furthermore, 15 U.S.C. 1681i requires credit furnishers to conduct a reasonable investigation within 30 days, yet XXXX XXXX XXXXXXXX has failed to take corrective action. The continued reporting of this account without my written consent is also a privacy violation under 15 U.S.C. 1681b. I am demanding the immediate removal of this account from my credit report, along with written confirmation that it has been deleted from all credit reporting agencies. Additionally, I request a full investigation into why my first dispute was ignored, as well as appropriate compensation for willful non-compliance, as permitted under 15 U.S.C. 1681n.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
With all due respect to XXXX and Simms Associates, I was able to get into contact with XXXX again the other day. There has been an outstanding debt with XXXX for two years now that Im trying to take care of. The debt is no fault of mine. I sent proof and made exhaustive efforts to prove myself to XXXX through email. It ended up with them not communicating back to me, ignoring my plea, taking my purchase power away from me and then sending this debt to collections with Simms, that I just found about just yesterday. Its not fair when Ive been given the run around and providing the necessary effort and proof. I just want things to be in good standing again, especially since Ive been with XXXX for years now and never had issues prior to this. My good history they can attest to and I can even show from the app. Now I reached out to Simms Associate after a XXXX specialist by the name of XXXX told me that I have to reach out to the debt collector Simms Associate to tell them to send the debt back to XXXX so they can waive it. Simms said they arent able to do that since the amount is still in dispute and they I would have to talk to a manager at XXXX so they can fix that because they arent able to return the debt themselves. But fortunately Simms understood my side of the things and even questioned why XXXX hasnt dropped the debt after this long and after my explanation. Thereafter, I called XXXX. That went no where and they told me to text the apps chat and send screenshots of my conversation with the XXXX specialist. I did that moments later and that brings me to this complaint. The chat agent gave me a email address to message but to no avail and I am attaching everything from todays proof, hoping we can get this fixed for good. Thanks! I also reached out to Simms Associates multiple times today and only heard back from them once. The one time was the aforementioned. They are difficult to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX  Robinhood XXXX XXXX froze my account due to suspicious activity. I contacted them on XX/XX/XXXX and talked to a customer service representative. They annotated that I was the one who requested the transfer and that the account withdrawals should be lifted. My Robinhood app displayed that on XX/XX/XXXX, the support team would contact me with an update. However, on the XXXX, it updated to the XXXX. It has been doing this everyday. The customer service number does not go to a representative, and I am no longer able to access a customer support chat. The only option I have is to click " yes that is all '' in reference to my restricted account chat thread. When I click on take action in the chat window ( photo attached ), it is a broken link that reroutes to the chat window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am formally disputing the inaccurate employer information on my credit report for the second time, as my previous request was not properly addressed. My current employer is XXXX XXXX XXXX XXXX, and any other employer listed on my credit report must be immediately deleted, as it is incorrect and does not reflect my actual employment record. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, credit reporting agencies are legally required to ensure that only accurate and authorized information appears in a consumers credit file. The continued presence of incorrect employer details, despite my previous dispute, violates the FCRAs permissible purpose rules and may lead to the misuse of my personal information. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation and correct or delete any disputed inaccuracies. Failure to comply is a willful violation under 15 U.S.C. 1681n, making the responsible parties liable for up to {$1000.00} per violation in statutory damages. Since this is my second dispute, I expect immediate action to correct this issue. I demand that all incorrect employer information be permanently removed from my credit report and that I receive written confirmation of these corrections. If this matter is not resolved promptly, I will escalate my complaint further and take all necessary actions to ensure full compliance with 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