vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TN

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX INNOVIS XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent, obsolete accounts listed below : XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: ID Analytics, Inc.
State: TX

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent, obsolete accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-21 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against 700 CreditXXXX XXXX for their failure to remove an unauthorized credit inquiry from my credit report. As a victim of identity theft, I reviewed my credit report and discovered a fraudulent hard inquiry from 700 CreditXXXX XXXX dated XX/XX/year>2025, which I did not authorize. This unauthorized inquiry is damaging my ability to obtain new credit, and 700 CreditXXXX XXXX has not taken action to correct this issue. 

On XX/XX/scrub> 2025, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ), documenting this crime. The specific unauthorized inquiry I am disputing is : Item No. | Creditor Account | Date of Inquiry 700 CREDITXXXX XXXX XXXX XX/XX/scrub>/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, creditors are prohibited from accessing my credit report without my permission. This inquiry is fraudulent, as evidenced by my FTC Identity Theft Report, yet 700 Credit/XXXX XXXX has failed to request its removal from my credit reports maintained by XXXX XXXX and XXXX Their inaction is causing ongoing harm to my creditworthiness and violates my consumer rights. 

I request that the CFPB investigate 700 Credit/XXXX XXXX failure to address this unauthorized inquiry and ensure they take immediate action to have it removed from my credit reports. I demand that 700 Credit/XXXX XXXX coordinate with the credit bureaus to remove this inquiry within 30 days, as required by law, and provide written confirmation of its removal. Additionally, I request an explanation of how this inquiry was initiated without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
Im very upset. I have contacted them multiple times about fraudulent charges on my account and they keep closing my dispute. But what is really making me upset is that there is a {$200.00} charge on my account the lead to over draft fees, and the charge was made in ANOTHER STATE. I have submitted my drivers license proving my ADDRESS and I provided proof of a charge on my account made one HOUR before this {$200.00} charge. It ridiculous that they think I would be able to be in Florida in just an hour when I am in Missouri. Not to mention THERE ARE NO other charges from this company. I called them multiple times on the phone and have provided all the documents THEY told me I needed to provide as substantial proof. Chime is absolutely ridiculous someone is committing fraud on my account, then they OVERDRAW my account and Chime expects me to pay. Absolutely not do a better job investigating and review the information CLOSELY. But my dispute being closed without valid investigation. Just saying no error occurred is NOT a justified decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this XXXX XXXX XXXX  account multiple times because it is almost XXXX XXXX XXXX and should be scheduled for natural deletion under FCRA 605 ( a ) ( 4 ). Today is XX/XX/year> and the account is due to fall off in XX/XX/year>. I am requesting early removal since it is within the standard early exclusion timeframe that many consumers are granted. Despite this, Equifax continues to report it and verifies it as accurate each time. When I called Equifax customer service, the representative asked if I was willing to pay XXXX XXXX, which is inappropriate and shows bias in their reinvestigation process. Under FCRA 611 ( a ), credit bureaus are required to remain neutral and conduct a reasonable reinvestigation, not pressure me to pay a closed account. I am requesting this account be permanently deleted and that Equifax reviews this situation for non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This is not to discuss the same issue, It raise concerns on how transunion and experian can verify an account but not provide any evidence from their investigation and the company investigation. 

So how did they conduct a lawful investigation in a short period of time. 

Provide all evidence : The licenses from the company The right to furnish The notification of collection being sold to consumer The signing agreements to share my privacy information. 

Another thing cease all collections act and delete these accounts immediately. I dont have time to play with these people!.

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 2025-05-21 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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services is reporting an unverified collection account on my credit report, listing XXXX XXXX XXXX XXXX as the original creditor. I have never held an account with XXXX XXXX XXXX XXXX, and no documentation has been provided to validate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), both the original creditor and the collection agency are required to send proper written notice before reporting to the credit bureauswhich I never received. This failure to notify me violates my right to dispute the debt within the legal timeframe. Additionally, XXXX XXXX XXXX has been made aware that my personal information was compromised in a data breach. They were responsible for informing Sunrise Credit Services, yet this step was ignored. XXXX could not verify the {$300.00} balance reporting on my credit report. This account ( # XXXX ) is unverified, unauthorized, and inaccurately reported. I am demanding its immediate removal from all credit reporting agencies. Failure to do so will result in further legal escalation. I have attached my data breach claim and a true bill reflecting the damages caused by these violations. Payment is to be remitted to the address listed on the invoice.

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 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX,TN XXXX (XXXX am writing to formally dispute and request the immediate blocking and deletion of fraudulent information on my credit report in accordance with 15 U.S. Code  1681c2, which pertains to identity theft protections under the Fair Credit Reporting Act (FCRA)XXXXThe following item(s) must be blocked and removed from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is the result of identity theftXXXX support of this request, I have enclosed the following documentation as required under the FCRAXXXX.\tA copy of a valid government-issued photo XXXXtA copy of my Social Security card\XXXX.\tA copy of my FTC Identity Theft Report, filed via identitytheft.gov, in lieu of a police reporXXXXYou are further required to notify the furnisher of this data that it has been identified as resulting from identity theft. Please send me written confirmation when this has been completed.\n\nFailure to comply may constitute a willful violation of federal law and may result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) and other enforcement agencies.\XXXXSincerely,\XXXX XXXXEnclosures:XXXXCopy of government-issued photo ID\XXXXCopy of Social Security cardXXXXFTC Identity ThefT'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX,TN XXXX (XXXX am writing to formally dispute and request the immediate blocking and deletion of fraudulent information on my credit report in accordance with 15 U.S. Code  1681c2, which pertains to identity theft protections under the Fair Credit Reporting Act (FCRA)XXXXThe following item(s) must be blocked and removed from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is the result of identity theftXXXX support of this request, I have enclosed the following documentation as required under the FCRAXXXX.\tA copy of a valid government-issued photo XXXXtA copy of my Social Security card\XXXX.\tA copy of my FTC Identity Theft Report, filed via identitytheft.gov, in lieu of a police reporXXXXYou are further required to notify the furnisher of this data that it has been identified as resulting from identity theft. Please send me written confirmation when this has been completed.\n\nFailure to comply may constitute a willful violation of federal law and may result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) and other enforcement agencies.\XXXXSincerely,\XXXX XXXXEnclosures:XXXXCopy of government-issued photo ID\XXXXCopy of Social Security cardXXXXFTC Identity ThefT'

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 2025-05-21 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-21 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: Experian Information Solutions Inc.
State: CT

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: CT

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation