vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TN

Complaint narrative:
Upon reviewing my credit report, I discovered that my personal information is incorrect, which has resulted in this unknown accounts and transactions being falsely associated with me. This is an alarming issue that has caused me significant distress, as I now have inaccurate, mixed and unauthorized items damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
PROSPERXXXX advertised on XXXX XXXX that it would do a soft pull to my credit. They did a hard pull to my XXXX credit report. However, they did a hard pull and did not approve the loan. I would like to have this inquiry remove from my credit report ASAP. They are false advertising that it would be a soft pull.

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 2025-03-04 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called a few days after noticing my credit card canceled tried calling chase customer support and had an agent be rude and say your account was cancelled bc chase and I quote does not want you I got on the phone earlier today and talked to fraud department they told me bc of to many fraud reports even tho I have evidence that most of those fraud reports were bc the bank failed to stop the previous company i reported for fraud to charge me numerous times after and even after telling them each time to stop transactions for the specific companys taking money from me yet they want to say it was my fault for the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-04 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: TX

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown accounts and transactions that do not belong to me. This mix-up is deeply concerning, as it is affecting my financial standing and causing unnecessary stress. Despite my efforts to resolve this, these errors persist, and I can not allow them to continue impacting my credit profile.

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 2025-03-04 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: IL

Complaint narrative:
Inaccurate information ( Transunion ) XXXX student loan. Open XXXX, 2002.Amount {$2600.00} XXXX student loan. Open XX/XX/scrub> 2002. Amount {$1300.00} XXXX  student loan. Open XX/XX/year>2002 Amount {$1200.00} XXXX Bank XXXX missed payments inaccurately reported. 
Please update all information accurately

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 2025-03-04 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:
I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # XXXX ), which legally requires them to block and remove these fraudulent accounts from my credit file. 

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the 30-day period mandated by 15 U.S.C. 1681i. These fraudulent accounts are negatively affecting my credit score and financial well-being. 

The following accounts were fraudulently opened and reported under my name : XXXX  XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} XXXX XXXX Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file 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 2025-03-04 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
1 ) my XXXX XXXX XXXX broke his arm in XXXX. 

2 ) we took him to XXXX XXXX XXXX to get a XXXX XXXX XXXX XXXX XXXX several months later i got a bill from the hospital for {$1900.00} that XXXX XXXX XXXX did not cover 4 ) I called the hospital billing dept and advised them that I am a poor person going through a divorce and could not pay. 

5 ) They sent me a poor person application - but i see now that they sent the debt to a 3rd party collection agency with a phone # of XXXX - nothing comes up when you XXXX this number- but when you call it is called " receivables management partners llc '' A woman called me, would not say the name of the company, or why she was calling. She claimed that if did not verify my info, she couldnt talk to me or tell me even the name of the company.

6 ) I hung up and called back, all i did was say to the AUTOMATED SERVICE was " yes i am XXXX XXXX' and the AUTO SERVICE told me every single detail of the debt!!!!!!! How is that not a majpr FDCPA violation!?!?

7 ) Furthermore, how could the hospital do this in the first place!

8 ) I want resolution or im filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-03-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Transactions Related to XXXX XXXX Dear /Customer Service ], I am writing to formally dispute transactions associated with my accounts that I believe are linked to activities of human trafficking. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account : XXXX XXXX **** XXXX. XXXX XXXX Account : XXXX XXXX **** I have reason to believe that certain transactions made from these accounts may be facilitating illegal activities, including but not limited to human trafficking. This is a serious matter, and I urge you to investigate these transactions thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Transactions Related to XXXX XXXX Dear /Customer Service ], I am writing to formally dispute transactions associated with my accounts that I believe are linked to activities of human trafficking. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account : XXXX XXXX **** XXXX. XXXX XXXX Account : XXXX XXXX **** I have reason to believe that certain transactions made from these accounts may be facilitating illegal activities, including but not limited to human trafficking. This is a serious matter, and I urge you to investigate these transactions thoroughly.

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 2025-03-04 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: IL

Complaint narrative:
Please ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not initiate or authorize them and have no knowledge of their origin. In line with XXXX XXXX, I formally request their removal within the next XXXX days. Attached are the necessary documents for your review.

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 2025-03-04 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: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Violations of : XXXX. Late Payment : XXXX XXXX XXXX a ( XXXX ) ; XXXX XXXX XXXX XXXX. Permissible Purpose : XXXX XXXX XXXX XXXX. Responsibilities of Furnishers : XXXX XXXX XXXX ( XXXX ) XXXX XXXX. Accuracy : XXXX XXXX XXXX ( b ) & XXXX XXXX XXXX ( XXXX ) ( a ) XXXX. Verification : XXXX XXXX XXXX ( XXXX ) This erroneous reporting is causing significant harm to my creditworthiness and is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I have never provided consent or permission for any of my personal information to be shared or reported by your company. Under the XXXX XXXX ( XXXX XXXX. XXXX ), I have not signed any form granting Harris & Harris LTD or any affiliated or non-affiliated third-party permission to share, report, or disclose my information, either electronically or in writing. Harris & Harris LTD continued reporting of this account without my explicit consent is a clear violation of federal law. Under the FCRA, I have the right to accurate and fair reporting of my credit information. 
As I have never provided consent for this debt to be reported to any credit bureau, I demand that Harris & Harris LTD cease all reporting of this account to all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: NY

Complaint narrative:
Credit glory was the company taken care of disputes And every month for the last 7 months I was spending money to have charges removed off my credit report and nothing much has been done. They would call me every day about a missed payment but was not following up on their end. In my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX DATA BREACH. PLEASE REFER TO THE XXXX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX  XXXX XXXX XXXX Texas XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift 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 non-monetary relief
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
I hope you're doing well. I'm reaching out because I've noticed a significant issue with a tradeline on my credit report that is not being reported with the maximum possible accuracy, as required by law. This discrepancy is in direct violation of the guidelines that ensure the accuracy of credit 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 2025-03-04 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: MI

Complaint narrative:
Experian & Equifax Just updated my closed account payment history when I disputed the sol of the account being too aged. 

They have violated multiple laws I demand for them to delete everything and stop having XXXX XXXX XXXX XXXX destroy my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: TX

Complaint narrative:
Unity Asset Management LLC, ( XXXX ) XXXX, has been repeatedly calling family members that I never included on my loan agreement. They are giving out personal information about my debt and even read my whole social out on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation