vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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:
Around XX/XX/year> I called in a fraud report on my XXXX XXXX credit card because I was traveling out of state. There were unrecognized charges and I wanted them resolved. The credit card Company assured me that it would be taken care of and that they would place a freeze on the account. After their supposed investigation they closed my account and told me that the balance would be XXXX and they would close my account. That I would also need to reapply for a new card. 
This now balance of {$86.00} is on my credit report as a collection and it that is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
Around XX/XX/year> I called in a fraud report on my XXXXXXXX XXXX  credit card because I was traveling out of state. There were unrecognized charges and I wanted them resolved. The credit card Company assured me that it would be taken care of and that they would place a freeze on the account. After their supposed investigation they closed my account and told me that the balance would be XXXX and they would close my account. That I would also need to reapply for a new card. 
This now balance of {$86.00} is on my credit report as a collection and it that is not correct.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Transunion decided to put Fraud alert without my permission and are in violation of trademark law as they already been notified and warned but conrinue to use trademark without authorization and $ XXXX usage fee. See attached proof of claim. Trademark usage fee is {>= $1,000,000} and not negotiable! Dont use if you dont want to pay.

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 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clark County Collection Service
State: NV

Complaint narrative:
Clark county collection service states I owe a medical debt that's 13 years old. They paid not properly informed of the lawsuit and I was not aware of Garnishment until I saw the funds being taken out of my check. Clark county is using a name I don't go by, also they have no address attached to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy the account number is XXXX from 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 2025-05-04 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 recently reviewed my credit report and noticed several inaccuracies on my account. This account is making it difficult for me to obtain credit. I understand that you will investigate this account to ensure its accuracy. I ask that you verify the account 's accuracy the account number is XXXX from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest account number XXXX. I co-signed for someone and they are failing to make payments and its effecting my credit. I was not aware that it would affect my credit and I would be responsible for the loan when the dealer only needed my credit score for the buyer to be approved. Please send me Credit Application, Retail Installment Sales Contract, and along with arbitration agreement, payment history & notice to co-signer disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
These are fraudulent inquiries reporting to my credit report. Please remove these fraudulent inquiries.

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 2025-05-05 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:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX 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 ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several 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 as reported. The aforementioned accounts, collections 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 # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi Team, I am filing a complaint regarding a negative credit report entry from XXXX, my federal student loan servicer. I was recently marked as XXXX  days delinquent on my loan, which significantly impacted my credit score. However, I did not receive any XXXX or XXXX delinquency notices prior to this report the loan was marked XXXX  days late with no prior communication from XXXX. 

I have since brought the account current and am now up to date with all payments. I contacted XXXX to request a goodwill adjustment, but they stated they do not accept goodwill requests. I also inquired about their communication process regarding late payments, and I was told they do not notify borrowers at the XXXX or XXXX mark. 

I believe this process is unfair and possibly in violation of fair servicing practices. At a minimum, borrowers should be informed as they fall behind so they can correct the issue before major credit damage occurs. Additionally, I am requesting that the credit reporting be reviewed for accuracy, including whether the XXXX timeline was met and appropriately communicated. 

I am requesting that this delinquency entry be removed or corrected, or that XXXX provide evidence of the full communication and reporting timeline. I would appreciate the CFPB 's assistance in investigating this matter. 

In addition, upon reviewing my credit report, I discovered a clear inconsistency : the XXXX loan is marked as " current '' for the same time period during which they reported me as 90 days delinquent. This discrepancy indicates either inaccurate reporting or improper credit data transmission. According to the Fair Credit Reporting Act, all information furnished to credit bureaus must be accurate and consistent. I am requesting a full investigation into this inconsistency and a correction or removal of the negative mark. 

I've included as well a screenshot of my only email address that I use, with no attempt from XXXX to contact me to pay the balance. 

Any help is greatly appreciate, please let me know if there's anything I can do. 

Thanks, 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi Team, I am filing a complaint regarding a negative credit report entry from XXXX, my federal student loan servicer. I was recently marked as XXXX  days delinquent on my loan, which significantly impacted my credit score. However, I did not receive any XXXX or XXXX delinquency notices prior to this report the loan was marked XXXX  days late with no prior communication from XXXX. 

I have since brought the account current and am now up to date with all payments. I contacted XXXX to request a goodwill adjustment, but they stated they do not accept goodwill requests. I also inquired about their communication process regarding late payments, and I was told they do not notify borrowers at the XXXX or XXXX mark. 

I believe this process is unfair and possibly in violation of fair servicing practices. At a minimum, borrowers should be informed as they fall behind so they can correct the issue before major credit damage occurs. Additionally, I am requesting that the credit reporting be reviewed for accuracy, including whether the XXXX timeline was met and appropriately communicated. 

I am requesting that this delinquency entry be removed or corrected, or that XXXX provide evidence of the full communication and reporting timeline. I would appreciate the CFPB 's assistance in investigating this matter. 

In addition, upon reviewing my credit report, I discovered a clear inconsistency : the XXXX loan is marked as " current '' for the same time period during which they reported me as XXXX  days delinquent. This discrepancy indicates either inaccurate reporting or improper credit data transmission. According to the Fair Credit Reporting Act, all information furnished to credit bureaus must be accurate and consistent. I am requesting a full investigation into this inconsistency and a correction or removal of the negative mark. 

I've included as well a screenshot of my only email address that I use, with no attempt from XXXX to contact me to pay the balance. 

Any help is greatly appreciate, please let me know if there's anything I can do. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi Team, I am filing a complaint regarding a negative credit report entry from XXXX, my federal student loan servicer. I was recently marked as 90 days delinquent on my loan, which significantly impacted my credit score. However, I did not receive any 30-day or 60-day delinquency notices prior to this report the loan was marked 90 days late with no prior communication from XXXX. 

I have since brought the account current and am now up to date with all payments. I contacted XXXX to request a goodwill adjustment, but they stated they do not accept goodwill requests. I also inquired about their communication process regarding late payments, and I was told they do not notify borrowers at the 30- or 60-day mark.

I believe this process is unfair and possibly in violation of fair servicing practices. At a minimum, borrowers should be informed as they fall behind so they can correct the issue before major credit damage occurs. Additionally, I am requesting that the credit reporting be reviewed for accuracy, including whether the 90-day timeline was met and appropriately communicated. 

I am requesting that this delinquency entry be removed or corrected, or that XXXX provide evidence of the full communication and reporting timeline. I would appreciate the CFPB 's assistance in investigating this matter. 

In addition, upon reviewing my credit report, I discovered a clear inconsistency : the XXXX loan is marked as " current '' for the same time period during which they reported me as 90 days delinquent. This discrepancy indicates either inaccurate reporting or improper credit data transmission. According to the Fair Credit Reporting Act, all information furnished to credit bureaus must be accurate and consistent. I am requesting a full investigation into this inconsistency and a correction or removal of the negative mark. 

I've included as well a screenshot of my only email address that I use, with no attempt from XXXX to contact me to pay the balance. 

Any help is greatly appreciate, please let me know if there's anything I can do. 

Thanks, 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 2025-05-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check, # XXXX for {$8100.00}. This deposit was made to my checking account at US Bank XXXX XXXX, CA. They gave me a notice of hold that stated that the funds would be available on XX/XX/XXXX. Later that same night I went to the atm and it said authorization of available. The next morning I entered the bank to inquire about no access to my account and The teller that cashed my check said I was not in the system and shrugged her shoulders. I could not believe I was unable to access the other cash I had in the bank, about {$1100.00}. 
I made an appointment with the branch XXXX XXXX XXXX where he was very condescending and called me a fraud and said I was being investigated by the fraud department. 
The next day I entered the bank with the person who wrote the check, thinking that would clear things up, but instead he blamed us both for forging the check. He was unbelievably disrespectful to both of us. 
On XX/XX/XXXX they informed me that my account is in the process of being closed and when that happens I would receive the funds. 
On XX/XX/XXXX they closed my account and issued a check for my remaining balance minus the {$8100.00}. 
To this day that money has not been given to me or back to my neighbor. They have been unable to find any evidence of fraud and they have lied to us repeatedly about the moneys whereabouts and how to get it returned to either XXXX of us. We have had several meetings and phone conversations with both of our banks that have resulted in neither bank having the ability to reimburse either myself or my neighbor for the missing funds. Every time I have spoken with XXXX XXXX he has given me misleading and incorrect information on how to resolve this matter. We have been dealing with this problem for XXXX months now and are still getting the runaround. Please help resolve this 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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I retired in XXXX income cut in half contacted credit company they said that retirement is not a hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of unauthorized inquiries in violation of federal and state consumer protection laws.

I. Unauthorized Inquiries Names of Entities : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

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 2025-05-04 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:
After receiving an alert from my identity theft protection service, it was confirmed that my personal information has been compromised. Since then, Ive discovered fraudulent accounts and inaccurate reporting on my credit file. These accounts were never authorized by me and are damaging my financial standing. I have already been denied credit because of these items. The alert specifically named Equifax and one other bureau as the compromised sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
After obtaining a recent copy of my consumer report, I am requesting removal of accounts reporting to my credit file that were exclusively used for medical and medical related expenses. These accounts are not indicative of my credit worthiness, and under the medical debt consumer reporting framework, their inclusion is misleading and noncompliant with the Law. The Consumer Financial Protection Bureau 's Regulation V mandates that consumer reporting agencies ensure maximum possible accuracy and fairness in reporting. Also Senate Bill 5480 ( Medical Debt Relief Act of XXXX ) also states that this debt should not be treated as an indicator of credit worthiness. The following accounts listed on my credit report were used for medical related expenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that these accounts be investigated and removed from my credit report. Please reinvestigate under your obligations set forth in the FCRA and CFPB regulations. Can you please provide written confirmation once the investigation is complete and these accounts are removed, Thank You for your time and attention to this matter. I look forward to your written response within the 30 day window established under the FCRA.

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 2025-05-04 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:
nothing happend i send out the letter XX/XX/year> requiring for proof to verify this account is my becuase i know it not and havent receive anything yet

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 2025-05-04 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:
nothing happend i send out the letter XX/XX/year> requiring for proof to verify this account is my becuase i know it not and havent receive anything yet

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