vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I am writing to dispute the accounts in my name with XXXX XXXX and XXXX XXXX XXXX I did not apply for or authorize these accounts, and I believe they are a result of identity theft. Under the Fair Credit Reporting Act, I request that you delete these accounts and notify the XXXX major credit bureaus to remove any references to these accounts from my credit reports. 

Date XX/XX/year> - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX Credit Report. 

I have attached a list of hard inquiries in question as well as a copy of the XXXX XXXX Credit Report maintained by you which shows the aforementioned fraudulent items. HARD INQUIRIES : XXXX XXXX and XXXX XXXX XXXX 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my XXXX Credit Report maintained by you were not open, made, or initiated by me. 

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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud, action taken i sent letters but did not get a response.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-16 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: LA

Complaint narrative:
I am writing to you under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) to dispute incorrect and conflicting information being reported on my credit report concerning my XXXX mortgage account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Despite multiple requests to correct this information, the discrepancies outlined below continue to persist : Account Status Conflicts : TransUnion shows the account as Closed, Experian shows Paid, while Equifax incorrectly reports it as Open with an active balance. 

Balance Inconsistencies : TransUnion and Experian correctly report a {$0.00} balance, yet Equifax inaccurately reports a balance of {$100000.00}. 

Opening Dates Mismatch : TransUnion lists the opening date as XX/XX/year>, whereas Experian and Equifax show XX/XX/year>XXXX 

This conflicting data is misleading, damaging, and violates my rights under FCRA Section 607 ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy of the information they report. 

I am formally requesting : Immediate deletion of this closed account from my consumer report. 
A complete reinvestigation under FCRA Section 611 ( a ) and proof of verification from the original creditor.

Written confirmation of deletion within 15 days of receipt of this letter.

Should this inaccurate item not be resolved promptly, I will consider taking legal action for damages as allowed under FCRA Sections 616 and 617 for negligent and willful noncompliance. 

Please consider this my final attempt to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
I am writing to you under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) to dispute incorrect and conflicting information being reported on my credit report concerning my XXXX mortgage account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Despite multiple requests to correct this information, the discrepancies outlined below continue to persist : Account Status Conflicts : TransUnion shows the account as Closed, Experian shows Paid, while Equifax incorrectly reports it as Open with an active balance. 

Balance Inconsistencies : TransUnion and Experian correctly report a {$0.00} balance, yet Equifax inaccurately reports a balance of {$100000.00}. 

Opening Dates Mismatch : TransUnion lists the opening date as XX/XX/year>, whereas Experian and Equifax show XX/XX/year>XXXX 

This conflicting data is misleading, damaging, and violates my rights under FCRA Section 607 ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy of the information they report. 

I am formally requesting : Immediate deletion of this closed account from my consumer report. 
A complete reinvestigation under FCRA Section 611 ( a ) and proof of verification from the original creditor.

Written confirmation of deletion within 15 days of receipt of this letter.

Should this inaccurate item not be resolved promptly, I will consider taking legal action for damages as allowed under FCRA Sections 616 and 617 for negligent and willful noncompliance. 

Please consider this my final attempt to resolve this matter amicably. 

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX Account Number : NISSAN MOTOR ACCEPTANCE Account # XXXX Subject : Notice of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally report that a fraudulent account has been opened in my name without my knowledge or authorization. I recently became aware of this through my credit report. 

The account in question is under the name XXXX XXXX and appears to have been opened with nissan motor acceptance on or around XXXX Account # XXXX I want to emphasize that I did not open this account, authorize its opening, or have any dealings with it. 

Please consider this letter a formal dispute and request to : Investigate the account and take appropriate action to close or flag it as fraudulent. 

Remove any related inquiries or negative information from my credit report. 

Provide written confirmation that the matter has been resolved. 

I have enclosed copies of the following documents to support my claim : FTC Identity Theft Report Please confirm receipt of this letter and provide me with a case or reference number for this investigation. 

Thank you for your prompt attention to this serious matter. Should you need additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am writing to formally file a complaint and request assistance regarding a debt collection account that is being inaccurately reported in my credit report by IQ Data International Inc. Despite fulfilling the terms of my lease with XXXX XXXX and making all payments on time, I have been pursued by a IQ collection agency for charges I do not owe. 

Background : - I entered a fixed-term lease from XX/XX/XXXX, to XX/XX/XXXX, and XX/XX/XXXX, to XX/XX/XXXX - After my second year, I moved out before the lease expiration date and paid all rent in full - I gave verbal notices to renew or terminate at the end of each lease more than 60 days in advance - At the time of the move-out, there was no rent due, and no damage or outstanding fees were communicated Despite this, I have been contacted by IQ collection agency stating I owe two months ' rent, allegedly for not providing proper written notice. I have disputed the item with the major credit bureaus, but the agency has claimed the debt is verifiedwithout providing documentation or explaining the basis for the amount claimed. 

I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), as well as the Georgia law. Georgia 's law does not require a 60 written notice on a fixed term lease. I respectfully request your office to investigate and intervene.

While the lease did include a 60-day written notice clause on both leases, I would like to point out that during my first lease term, I provided verbal notice of my intent stay or renew, and no penalty or additional rent was charged. This action reasonably led me to believe that the same notice would be accepted at the conclusion of the second term. I again notified the leasing office of my intent not to renew both verbally and later in writing prior to the lease end date and vacated the premises as scheduled. 

Given that no enforcement was applied the first year under same circumstances ( same lease, different time frame ). I believe the current charge is inconsistent and unjustified. This action raise questions of fairness or even estoppel. I respectfully request that this matter be reconsidered and the account be removed from collections and corrected with any reporting agencies. 

Please confirm receipt of this letter and provide documentation validating the amount being claimed. 

I have attached a copy of my lease agreement for XXXX, which includes the move-out correspondence, and credit bureau dispute documentation for your review . I have asked for the 1st lease but have not received from IQ Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the removal of inaccurate personal identifiers and address variations and unauthorized inquiries from my credit report, as provided by your agency. Pursuant to 15 U.S.C. 1681i ( a ) under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, outdated, or unverifiable information in my file, and your agency is obligated to conduct a reasonable investigation and remove or correct this data within 30 days. Additionally, under the Gramm-Leach-Bliley Act ( GLBA ) and 15 U.S.C. 6801, you are required to ensure the confidentiality, integrity, and accuracy of consumer 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 non-monetary relief
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a personal credit card account opened at XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Account Number : XXXX PA XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/year> XXXX. The following personal information is incorrect CURRENT ADDRESS : XX/XX/year> XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 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:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Additional fraudulent inquiries are XXXX, XXXX, XXXX. I've attached proof that my personal information was affected by the XXXX Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have a Citi XXXX XXXX XXXX that had an account balance. I was offered through the online platform a flex loan which I took advantage of with an 8.88 % interest rate with a three-year term and a fixed monthly payment of around {$150.00}. I was paying each month over {$400.00}, in which I expected the payment would go towards the fixed monthly payment and the additional to the credit card balance. Citi does not give me the option to apply payments separately. A loan is fixed and amortized with a monthly payment, why would anyone pay more to the loan than to a credit card with a promotional rate that is ending. 

I called in late XXXX or early XXXX and spoke with someone about the situation of my payments are not being allocated correctly. They told me it has to go to the lowest interest rate first.... one is a loan the other is a credit card balance they should not be combined in the first place. They told me they would reallocate the balance to the credit card set up my payments so that anything beyond paying the loan monthly payment would apply to the credit card. 

End of XXXX I submitted a payment to pay off the credit card balance leaving only my flex loan to pay off. When I submitted the payment on my app, it detailed that the balance would pay the with credit card off and the payment amount of the loan would be applied, correctly allocated. 

I got my statement this month and they paid off the loan and left me with the credit card balance with promotional rate expiring. I called and explained they assisted last month and that I wanted the loan to continue paying on that is the point of a loan rather than a credit card. They refused to help me, denied previously assisting me with correctly allocating my payments. I was forced to pay off the rest of the balance rather than have the loan that I accepted with terms that CITI did not even honor. Citi practices are misleading, predatorial and intentional to put additional financial burden on consumers. In what financial institutions can you provide to products and then forcibly limit to how you can pay them.

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 2025-05-16 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: GA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief