vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> 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 XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX  XXXX * * BALANCE : {$1200.00}, XXXX XXXX XXXX XXXX XXXXXXXX * * BALANCE : {$500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-05-02 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Two fraudulent collection accounts have been reported on my credit report that I did not authorize, open, or use. The first account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, listed as opened on XX/XX/year>, with a balance of {$1000.00}. The second account is from XXXX XXXX XXXX, reported as opened on XX/XX/year>, with a balance of {$9800.00}, referencing XXXX XXXX XXXX XXXX XXXX 
I have never had any dealings with either of these companies and did not authorize these accounts. I submitted disputes with the credit bureau ( s ), but the accounts remain. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, as these entries are inaccurate and the result of identity theft. 
I have provided a government-issued ID and a notarized affidavit of residence as proof of my identity. I am requesting that the Consumer Financial Protection Bureau assist with having these fraudulent accounts removed immediately.

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 2025-05-02 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-02 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: DE

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-05-02 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: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 
I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 
I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts. 

* XXXX XXXX agreed for a pay to delete and did not delete the collections after payment ( XXXX ) * XXXX XXXX has an account for liberty mutual I have never had a XXXXXXXX XXXX policy ever and sent them a notice making them aware of this and this is identity theft. 

* XXXX Apartment I am writing to inform you that I am a survivor of XXXX XXXXXXXX and am requesting that you take appropriate actions regarding debts or negative credit information that may have resulted from this abuse. I am also asserting my rights under federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. XXXX XXXX XXXX  ), the Equal Credit Opportunity Act ( 15 U.S.C. XXXX XXXX XXXX. ), and protections afforded under the XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I let the apartment know that I was moving out of the building & my partner would continue to live there. I informed the office manager to remove me from the lease. She told me she needed approval since I was coming off the lease. She refused to change the door code to give access to the apartment. I then received a bill from the apartment for unpaid rent after upon my move out she confirmed I had been removed. The lease was up in XXXX and they continued to charge additional months and preditory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Specific violations include : Duplicative collection reporting based on another previously charged-off account. 
Potential inability to properly validate ownership of the alleged debt. 
Failure to comply with Metro 2 formatting and FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had made transfer requests for money be taken from my checking account at Chase and deposited to my XXXXXXXX XXXX XXXX account. I have asked Chase to provide me the authorization for these transfers with the account numbers that I had input. They tell me due to security reasons they can not provide that information. I have gone inside the bank provided my identity divers license my debit card, I have done the voice recognition I have provided Chase the numbers that they sent to my email and my phone given the answers to all the security questions. They just tell me that they can not give me any information for my protection. The external bank is asking what account I placed on the authorization for transfer, and require the forms or documents that I filled out to prove the information is correct and was transferred to the wrong account. XXXX XXXX XXXX has already discovered not only did the money not get transferred to the right account it was deposited into another account and someone has already taken the money. But the account number that Chase is providing is a genetic account number used for protection but will not provide the actual account number that I entered for the transfers to occur. It was only given this information by education regarding the generic account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband and I cancelled ( within XXXX hours, a car we don't owe, see, drove, received, or finalized purchase ) a car purchase transaction with XXXX. Because of negative reviews and XXXX 's prompt action acknowledging the cancellation and refunding the funds, I decided to file a dispute with my bank ( BoA ). XXXX explained many times they don't have the {$2000.00} we are disputing and that BoA has them. I call BoA and they continue to read their XXXX timeframe to get a response from the credit card ( XXXX XXXX ) although they also use the term " XXXX 's bank ''. XXXX is not refusing to return the funds, when I filed the dispute, I was under the impression BoA was going to credit the money on my acct as they did in the past, however they didn't. I see other BoA clients frustrated with the same issue and I am frustrated as well knowing BoA is patiently waiting to credit me back, specially when there are reviews of clients waiting XXXX months for the same situation. I demand a quick resolution from BoA and the {$2000.00} credited back into my acct. XXXX is not objecting my claim, they actually credited back a non-refundable amount of {$290.00} which shows they are acting in good faith, then why BoA is technically keeping money from a client without justification or sense of urgency?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: CA

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 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 2025-05-02 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: NH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit report. 

Please find below the specific details of the incorrect or outdated information : 1.- Name : My current legal name is XXXX XXXX . But it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. In this regard, I request that my incorrect name XXXX XXXX be removed and replaced with my legal and correct name XXXX XXXX XXXX 

2.-Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX But my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX and XXXX XXXX XXXX XXXX XXXX  Fl XXXX . I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my SOCIAL SECURITY, displaying my correct name. 

A statement Bank showing my current address

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 2025-05-02 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: NC

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 2025-05-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally file a complaint against Discover Financial Services regarding their continued actions or reporting concerning an account that has already been closed. I have verifiable proofprovided through XXXX XXXX and other documentationthat this account has been closed, yet Discover continues to [ report it inaccurately/ pursue activity/ not reflect the correct account status ], which negatively affects my credit report and financial standing. 

Additionally, this account has already been removed or corrected by other credit reporting agencies, yet Discover continues to report it inaccurately or take action on it. This inconsistent and outdated reporting is negatively affecting my credit and violates the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-02 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-05-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation