vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and anxiety. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach identity theft below. 

Please remove these fraudulent account due to XXXX  data breach identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX } XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear XXXX XXXX XXXX XXXX, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX  data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE Dept Of EdXXXX XXXX. XX/XX/XXXX XXXX Of ED/XXXX. XX/XX/XXXX Dept Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX Dept Of EdXXXX XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX Dept Of EdXXXX XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
This letter serves as a formal demand for immediate correction or deletion of the above-referenced account that you have reported to the credit bureaus. Upon review of my credit report, I have identified significant and unlawful inaccuracies regarding your reporting practices under the Fair Credit Reporting Act ( FCRA ), specifically related to the missing Date of First Delinquency ( DOFD ). 

FCRA Violation Failure to Accurately Report DOFD As you are undoubtedly aware, Section 623 ( a ) ( 5 ) of the FCRA requires debt collectors to accurately report the DOFD to credit reporting agencies within XXXX  days of initially reporting the account. Your failure to include this critical date not only misrepresents the status and history of the debt but also extends the negative impact on my credit profile far beyond the legally permitted seven-year timeframe.

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

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The addresses currently listed on my credit report are inaccurate. I have provided the necessary documents to support my request, and I am requesting their immediate removal from my report. Please ensure that these outdated addresses are deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I sent a dispute on XX/XX/XXXX via tracking number ID : XXXX and ChexSystems failed to conduct a reasonable investigation to ensure the completeness and accuracy of my consumer report. 

They didn't modify/fix or delete any inaccurate information via 15 U.S. Code 1681i ( a ) ( 5 ). They didn't consider and review all relevant information according to 15 U.S. Code 1681i ( a ) ( 4 ) and I'm requesting a description of the procedures used to verify my information according to 15 U.S. Code 1681i ( a ) ( 7 ) I am experiencing bank denials and financial loss because ChexSystems is reporting inaccurate information about me. I am suffering from emotional distress and have no issue to proceed litigation under 15 U.S. Code 1681n/o for Willful Non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KEYCORP
State: OH

Complaint narrative:
I am disputing Key Bank National Association handling of my ( Closed ) credit card account ending in ( XXXX ). I made payments starting ( XX/XX/XXXX {$210.00} ref # XXXX, ( XX/XX/XXXX ) ACH - {$210.00}, ( XX/XX/XXXX, check # XXXX, ( XX/XX/XXXX ) {$200.00}, ( XX/XX/XXXX ) {$210.00}, ref # XXXX, ( XX/XX/XXXX ), {$290.00}, ACH, ( XX/XX/XXXX ), {$210.00}, ref # XXXX. All these payments from my checking account. On ( XX/XX/XXXX ) I went to XXXX XXXX and stated that Key bank stated payments were returned as ( NSF ). I stated that the account has been reported ( XXXX ) days delinquent fast approaching ( XXXX ) XXXX XXXX  rep ( XXXX XXXX investigated and found the problem. Key bank has been requesting payment from my account with insufficient information. Key bank has only supplied XXXX XXXX  with my credit card number with no name attached. This is why XXXX XXXX refused payment. Key Banks negligence has caused me emotional distress, pain and suffering, ultimately destroying my credit card score, providing inaccurate information to the credit card bureau. This blunder on Key banks behalf has caused me two recent credit denials. I am seeking damages and need to made whole immediately. Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I never applied for. The FCRA requires credit bureaus to maintain accurate and fair consumer credit information and to investigate disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I never applied for. The FCRA requires credit bureaus to maintain accurate and fair consumer credit information and to investigate disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Loan was previously serviced my XXXX XXXX, in late XXXX early XXXX of XXXX, we applied for a loss mitigation. Loss mitigation was approved, paperwork was recorded with our local court and I received a copy of it. During all of that our loan was sold to LoanCare LLC. I called them and let them know that the loss mitigation was already approved and payments on our end were set to resume XX/XX/2025. Our account woth LoanCare never updated to reflect that {$5600.00} ( around about amount ) was paid due to the loss mitigation approval. I spoke to them last week, they stated that I still was responsible for making my monthly payment and that it would just sit in the unapplied funds account until HUD made the payment of {$5600.00}. I asked LoanCare if there was a possibility that the money from HUD went to the previous mortgage company due to them being the ones who approved the loss mitigation and I was told you have no idea how this process works- the supervisor I spoke too was ungodly rude and not willing to help me understand the situation other than telling me I needed to pay my monthly payment and just let it sit in the unapplied funds account until HUD paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Various times throughout the years especially during and after Covid 19 there were a lot of scammers and fraudulent transactions happening all across the world. Banks failed to thoroughly investigate and bane the correct parties. I had my account closed out with no reasoning whatsoever and have had to contact support to reopen the account. I am highly upset with chime and will be looking for new bank if things arent fixed and security is much tighter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX is reporting an error that XXXX XXXX payment status current until XX/XX/XXXX and date of first delinquency XX/XX/XXXX. This is not correct. The correct information is that the date of first delinquency was XX/XX/XXXX, therefore this info will fall off my credit report XX/XX/XXXX. XXXX  XXXX XXXX changed the date from XX/XX/XXXX to XX/XX/XXXX. The other 3 bureaus are reporting correct on this account. I am including a letter from XXXX  XXXX XXXX from an investigation last year that states the account was charged off XX/XX/XXXX -- therefore there would have been no way the account was current in XX/XX/XXXX. I am also including a current copy of the Equifax credit report that shows the incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Shore Financial Services, LLC
State: KS

Complaint narrative:
XXXX, who identified themselves as a 3rd party debt collector, took an insurance claim check in the amount of {$5000.00} meant for repairs to the home and applied it to the mortgage without my endorsement. Ive made several attempts to remedy the situation.

Company response to consumer: Closed with explanation