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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax inaccurately reports a late payment for my XXXX XXXX XXXX account ( Account # : XXXX, reported on XX/XX/year> with a balance of {$37000.00} ). I have made timely payments, and XXXX XXXX XXXX has failed to provide any verification for this late payment. Under 15 USC 1666b, creditors and credit bureaus are required to report accurate payment histories based on verified evidence. Despite my requests for proof from XXXX XXXX XXXX, no documentation has been provided to substantiate the late payment entry. This inaccuracy negatively impacts my credit standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : 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. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the accounts currently listed on my credit report, including credit cards, student loans, and other lines of credit. I submitted disputes to the credit bureaus and/or creditors with supporting documentation, including my FTC Identity Theft Report. The items have not been corrected or removed. I am requesting immediate investigation and permanent removal of all fraudulent accounts and negative marks related to this identity theft.

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: PA

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) after I provided valid documentation of identity theft.

I submitted a formal dispute including my FTC Identity Theft Report ( # XXXX ), a signed personal statement, proof of identity, and proof of address. Despite this, TransUnion has : Failed to block and delete fraudulent accounts tied to identity theft, as required by FCRA 605B.

Failed to remove unauthorized hard inquiries made without my consent, in violation of FCRA 604.

This inaction is causing ongoing harm to my credit profile.

Fraudulent Accounts Still Reporting : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or authorization. 

Unauthorized Hard Inquiries Still Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my permission and are directly tied to identity theft activity.

Legal Violations by TransUnion : FCRA 605B [ 15 U.S.C. 1681c-2 ] Failure to block fraudulent accounts/inquiries within 4 business days.

FCRA 611 [ 15 U.S.C. 1681i ] Failure to properly reinvestigate disputes.

FCRA 623 [ 15 U.S.C. 1681s-2 ] Continuing to report inaccurate information after notification.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy.

FCRA 604 [ 15 U.S.C. 1681b ] Allowing unauthorized access 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 2025-04-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a notice from experian of a change to my credit report. Upon checking it I discovered a collection had been added. I was shocked because I have not been formally notified/ contacted nor spoken to anyone by phone, nor have I received anything in writing via mail, email, or text about this debt. It just appeared on my credit reports. I immediately initiated a dispute with experian credit bureau. After their research they notified me that the debt would remain on my report, but didn't disclose to me the originator of the debt or any other information.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRANSWORLD SYSTEM INC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$810.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRANSWORLD SYSTEM INC but to no avail.

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 — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I was able to pay off my title loan after never missing a payment. After i successfully paid off the title loan, A {$5000.00} credit appeared online. I thought this was a credit line. I have paid into the loan/credit but still owe nearly {$5000.00}. I am facing hardship due to the {$600.00} a month payment. I called the company and was told there would a nothing they can do. I am on the verge of not being able to survive financially. This was no credit line but another title loan. This was designed as a debt trap. This practice was unfair because after paying off the title loan and paying thousands extra I would have NEVER took another one out

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that was opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX XXXX 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 — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I did not give this company permission to sell my credit

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: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I did not give this company permission to sell my credit

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes to Experian beginning on XX/XX/XXXX regarding accounts that are not mine, inaccurate personal information, and unauthorized inquiries. Despite providing documentation and specific legal references ( FCRA 604, 607 ( b ), 609 ( a ), 611, 1681i and Metro 2 fields ), Experian continues to report the following inaccurate or unverifiable items : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I never authorized a XXXXXXXX XXXX  account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never had a XXXX XXXX relationship. 
XXXX. XXXX XXXX XXXX ( XXXX * ) No documentation or contract has been provided ; account is unverifiable. 
XXXX. XXXX XXXX XXXX ( XXXX * and XXXX * * * ) Both accounts are not mine and were reported without proper verification. 
XXXX. Inquiries from XXXX XXXX XXXX ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) These inquiries were not authorized by me. 
XXXX. Inaccurate personal information Experian has listed the name XXXX XXXX XXXX and an incorrect address that do not belong to me. 

These accounts and details were disputed in writing and mailed to Experian. They failed to resolve or properly investigate these disputes. Under FCRA 1681i, the reinvestigation should have been completed within 30 days. I am requesting deletion of all inaccurate items and proper correction of my personal file.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased tickets to a concert the same day as a fradulent charge ; called to dispute the lower amount and I made it clear the higher amount for the XXXX tickets of {$1000.00} was mine and valid ( all recorded ) and they cancelled the wrong charge. They reported my charge as fradulent so my tickets were released. I called complaining and they apologized saying they would make notes to my account and I said I need my tickets so we both agreed to re buy them, and I should not pay the difference as the fees were now higher. But they refuse to deduct the difference of the {$360.00} fee which was their mistake ( and all recorded ). Now adding late fees and interest, but refusing to talk on phone as they only have a dispute dept " by internet only '' so I call and only speak to agents out of the country who do not understand what I am asking and continue to go in circles. I have a letter which specific dates, their mistake, the repurchase, and I know the date the call was made and it was recorded, but it has not yet been listened to or they would see their agent reported the wrong transaction as fraud. I am only asking the difference of the fees and late fees be removed which is now at {$390.00}.

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I was charged monthly under the descriptor " MERCHANT SERVICE XXXX FEES '' for several years, which I mistakenly believed was XXXX. I recently discovered it was an inactive account with XXXX from a legacy XXXX XXXX relationship. 
No services were rendered, no statements were issued, and I received no notice of annual fee increases. They offered to refund only 3 months despite charging thousands over the years.

Company response to consumer: Closed with explanation