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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MTG Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Address to be removed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MTG Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Address to be removed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: 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:
I AM SEEING MULTIPLE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON MY CREDIT REPORT, I WISH TO HAVE ALL OF THEM REMOVED AND UPDATED WITH MY CURRENT AND VALID INFORMATION. 

FRADULUENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND ONLY PHONE NUMBER IS : ( XXXX ) - 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: 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:
I AM SEEING MULTIPLE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON MY CREDIT REPORT, I WISH TO HAVE ALL OF THEM REMOVED AND UPDATED WITH MY CURRENT AND VALID INFORMATION. 

FRADULUENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND ONLY PHONE NUMBER IS : ( 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 2025-05-16 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$27000.00} XXXXXXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian

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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611. 

On XX/XX/XXXX, I submitted a dispute concerning fraudulent accounts listed on my credit report. Along with my dispute, I provided all required documentation, including : A valid identity theft affidavit A government-issued photo ID Proof of current address Evidence of a data breach involving my personal information Under FCRA 605B, the credit bureau is legally obligated to block the disputed accounts within four business days. Instead, the accounts were marked as verified without any explanation or documentation showing how this verification was conducted. 

This action violates FCRA 611, which mandates a reasonable investigation and the disclosure of the source used to verify the information. 

To date, I have not received any details about the source of verification. No party has contacted the FTC to validate my identity theft affidavit, which further demonstrates the bureaus noncompliance with its investigative obligations. 

This pattern of inaction has been deemed unlawful in various court cases, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, where the courts reaffirmed consumers rights to accurate credit reporting and proper investigation procedures. 

Additionally, Equifax handling of my dispute fails to align with the CFPBs XXXX guidance on dispute resolution practices.

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: EQUIFAX, 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 Equifax 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 XXXXXXXX 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 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, 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 US 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 Equifax Data Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRING OAKS CAPITAL LLC regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX * * * * Balance : {$510.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRING OAKS CAPITAL LLC but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/year>, I submitted an online application for a XXXX XXXX Credit Card and received reference code XXXX. Subsequently, upon contacting XXXX with the provided reference number, I was transferred to the fraud department after a series of security questions. During this interaction, I encountered a troubling incident of discrimination based on my name, as the representative expressed disbelief that a XXXX  name  could be " XXXX. '' Despite complying with all security measures and providing necessary information, I was informed of my denial due to an alleged inability to verify my personal guarantor 's identity. Upon receiving the denial letter, I took proactive steps to resolve the issue by visiting my local XXXX store with valid identification. However, the problem remained unresolved despite spending XXXX hours with a store clerk who contacted Synchrony Bank and XXXX. 

Furthermore, upon contacting XXXX  to address discrepancies, I discovered conflicting information from the Synchrony Bank manager regarding the reason for the denial and the procedure for resolving the issue. Despite assurances of follow-up emails and investigation, I have not received any communication or resolution from XXXX or Synchrony Bank XXXX 

I am deeply disappointed by the lack of professionalism, transparency, and respect demonstrated throughout this process. As a longstanding loyal customer of XXXX, I expected a level of service that aligns with the company 's values and commitment to customer satisfaction. Instead, I have encountered discriminatory treatment and undue obstacles in a process that should have been straightforward. 

In light of these experiences, I kindly request : 1. A thorough investigation into the handling of my credit card application and the discriminatory treatment I encountered. 
2. I need immediate resolution of the identity verification issue and reconsidering my credit card application. 
3. Confirmation of removing any erroneous hard inquiries on my credit report. 
4. Assurance of improved training and protocols to prevent similar incidents of discrimination and unprofessional conduct.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
In XX/XX/year>, I borrowed {$950.00} from Explore Credit. Since then, I have been making weekly payments of {$140.00}. Despite paying approximately {$2900.00} so far, I was surprised to learn from a statement provided by Explore Credit that I still owe {$1100.00}. The high remaining balance indicates an extremely high interest rate, far exceeding Floridas legal limits. 

I believe I was not properly informed about the total cost of the loan or the interest rates involved. Additionally, I feel I have been discriminated against because the interest rate charged is far higher than typical rates, and I was targeted with predatory loan terms. 

The high payments have caused me significant financial hardship, including difficulties paying rent and facing eviction. I requested an itemized loan statement from the company, which confirmed these excessive charges. 

I am seeking an investigation into these practices, including potential discrimination, and a fair resolution that reflects lawful interest rates.

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: FL

Complaint narrative:
Experian has repeated failure to correct inaccurate information on my credit file despite multiple disputes and requests for resolution, the specific issue involves Auto loan with a balance of {$41000.00} from creditor : XXXX XXXX XXXX that does not belongs to me, i have disputed this information with Experian on several occasions, most recently on XX/XX/year> Providing supporting documents to support my claims .Nevertheless, Experian continues to report the inaccurate information, which is negatively affecting my creditworthiness and causing undue hardship.Under The Fair Credit Reporting Act credit reporting agencies are required to investigate dispute information and correct any inaccuracies with 30 days .Experian has failed to comply with these legal obilgatons, and i am now seeking CFPB assistance to ensure the removal of erroneous entry.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I submitted formal disputes to Experian and other credit bureaus to remove multiple inaccurate, unverifiable, duplicate, and resolved accounts from my credit report. These errors continue to damage my creditworthiness .The following accounts are included in my disputes : XXXX  {$440.00} XXXX with multiple duplicate entries, falsely inflating my debt XXXX XXXX {$1800.00} in XXXX XXXX no proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} collection XXXX never verified me with contract or supporting documents XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} charge-off , no verification or payment records provided XXXXXXXX XXXX XXXX XXXX XXXX  account that XXXXas returned to the dealership, refunded, and paid off, but is still being reported as active XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed secured loans with inaccurate late payments even after I completed the agreements XXXX XXXX XXXX secured loan with late payment reporting after final payment was made I have repeatedly requested proper verification, including full contracts, signatures, and payment histories to prove I am the legal and authorized account holder or verification. None of these accounts have ever been properly verified, and therefore must be removed in accordance with FCRA 609 ( a ) and 611 ( a ). 

In addition, I mailed certified tracking documents to update my legal name after my divorce. I included my updated Social Security card, drivers license, divorce decree, and proof of current address. Despite this, the bureaus failed to update my records and responded with false claims that they could not locate my new name, even though I submitted all legally binding documents. They continue to request the same documents I already provided a clear delay tactic and failure to act in good faith. 

These repeated actions violate the Fair Credit Reporting Act, specifically : 609 ( a ) Right to full disclosure of information and its sources 611 ( a ) Requirement to investigate and remove unverifiable or inaccurate data 607 ( b ) Obligation to ensure maximum possible accuracy 623 ( a ) ( 8 ) Furnishers duty to investigate disputed information 616 & 617 Civil liability for willful or negligent noncompliance These reporting errors are directly preventing me from obtaining credit, renting housing, and qualifying for financial opportunities I rightfully deserve. I am requesting the immediate deletion of all accounts listed above, correction of my legal name, and written confirmation of all changes made. Continued noncompliance is unacceptable I ask that the CFPB intervene and resolve this issue

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