vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: ID

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

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 explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$7300.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WA

Complaint narrative:
b'I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: CO

Complaint narrative:
XXXX sent an account to collections that never existed. When I recieved a bill from. Them months ago I called them. They said clearly it was a mistake and it would be closed. They did not close the fraud account and sent it to sunrise collections. How did someone open an account without my identification? I live in XXXX and have had a local internet company since day one. It should not be hard for thier investigations team to see number one I have never had a modem from them plugged into my house. So that means there is no usage from my address. This should be uber illegal. My internet bill, loans, rent and other things are paid on time. I need thos off credit. Nobody did thier research before messing with my credit report. I need someone to call me so I ask why thos is a legal act. I would like to sue sunrise credit services and I am willing to pay to get it done. 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 2025-05-06 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TransUnion XXXX, 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 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 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 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

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 2025-05-06 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-06 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: MN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company 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 2025-05-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX XXXX XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XXXX XXXX OPENED ACCT AT TRUIST AT XXXX FLORIDA ALL WAS GOOD FOR 2 MONTHS UNTILL I DEPOSITED A CHECK FOR XXXX THROUGH MOBILE APP, NEXT DAY MY CARD WAS GETTING DECLINED BECAUSE TRUIST HAD FROZEN THE ACCT AND LOCKED ME OUT OF THE APP, THE NUMBER THAT IS BEHIND THE TRUIST CARD SAID IT WAS PENDING CLOSURE AND GAVE ME XXXX AND EMAIL XXXX. I CALLED THE NUMBER AND THEY TOLD ME THAT THEY WOULD HOLD THE CHECK TILL XXXX, WHILE THEY CONDUCTED THEIR INVESTIGATION, TRUIST CASE NUMBER XXXX, EARLY XXXX THEY SEND ME 2 LETTERS SAYING THE ACCT IS CLOSED, IT TOOK THEN A MONTH TO SEND A CHECK FOR XXXX FOR THE CASH I HAD PRIOR TO THE DEPOSIT,, THE CLIENTS RESOLUTION SPECIALIST HAD ASKED FOR THE CANCELED CHCK FROM XXXX XXXX XXXX, AFTER THAT WAS EMAILED NOW THEY ARE ASKING FOR A BANK LETTER FROM XXXX XXXX XXXX THAT THE CHECK IS FOR MY COMPANY XXXX AND A LETTER FROM XXXX THAT THE CHECK HAS FUNDS, A BANK ACCOUNT STAEMENT FROM XXXX XXXX XXXX XXXX VERIFIED THE CHECK FOR ME AND INFORMED ME THAT XXXX  CAN NOT RETRACT FUNDS BECAUSE TRUIST CASHED THE CHECK ON XXXX AND THEY HAVE NO GROUNDS TO BE HOLDING THE MONEY, AND THAT THEY WILL NOT SHARE THEIR CLIENTS BANK STEMENT WITH TRUIST SINCE THAT A BANK NEED NOTHING ELSE BUT THE CANCELLED CHECK WHICH TRUIST HAS RECEVED IT MANY TIMES. I HAVE COMUNICATED WITH TRUIST THAT BOTH XXXX BUILDERS AND XXXX FEEL TRUIST IS A CORRUPT ENTITY AND A JOKE AND I CAN NOT MAKE THEM DO SOMETHING THEY DONT WANT TO. SO TRUIST SPECIALIST OVER THE PHONE HAS TOLD ME THEY WILL KEEP THE MONEY INDEFINITELY. I BELEIVE THERE HAS BEEN NO SUSPICIOUS ACTIVITY IN MY ACCT OR XXXX BUILDERS AND THAT TRUIST IS GENUINELY TRYING TO KEEP MY FUNDS AS LONG AS POSSIBLE USING SUSPICIOUS ACTIVITY EXCUSE TO VIOLATE FUNDS AVAILABILITY ACTS ALSO THEY HAVE FAILED TO FORMALY ACCUSE ME OF ANY WRONGDOING. I JUST WANT THE MONEY STOLEN FROM ME BY TRUIST BANK.

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 2025-05-06 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: DISCOVER BANK
State: FL

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
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am a victim of identity theft, and I am disputing the judgment filed against me by TENAGLIA & HUNT, P.A. regarding an alleged XXXX XXXX XXXX XXXX. account ending in XXXX, showing balances of {$5600.00} and {$5700.00}. This account does not belong to me. I did not authorize its opening, use, or any transactions related to it. I have never used this account, nor did I give permission for my identity to be used in any capacity. I only became aware of its existence after receiving legal notices and complaints in XX/XX/year>, which caused confusion and distress. 
This debt was clearly created through fraudulent means and was opened without my knowledge, consent, or involvement. It is a direct result of identity theft. I have already filed formal complaints against this judgment and taken necessary steps to address the matter legally. 
Under the Fair Credit Reporting Act 15 USC 1681c-2, I have the right to request the blocking and removal of any fraudulent information reported in my credit file. The Fair Debt Collection Practices Act 15 USC 1692e also prohibits the collection of debts based on false, deceptive, or misleading representations. Furthermore, under FCRA 15 USC 1681s-2, furnishers and collectors are required to investigate disputed information and must stop reporting or pursuing accounts determined to be inaccurate or fraudulent. 
I have filed formal complaints to the appropriate regulatory and law enforcement agencies and provided documentation to support my identity theft claim. Given the clear evidence of fraud and my legal rights under these statutes, I am demanding the immediate removal of this fraudulent account from my credit file and the permanent dismissal of any legal or collection actions related to it. Holding me responsible for a debt I did not create or authorize is not only unjust but a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
My identity was used to open fraudulent accounts. I checked my credit today, XX/XX/XXXX, and these accounts were listed on my credit report. I have been on Iowa State benefits since XXXX and have resided in XXXX, Iowa and XXXX  XXXX, IA. I have not lived outside of Iowa after XXXX. I can not work due to a medical issue ( XXXX XXXX XXXXXXXX ). I did not apply for these accounts. I have had the same email XXXXXXXX XXXX for 24 years and the same telephone number XXXX for 14 years. Any accounts opened with XXXX XXXX XXXX XXXX XXXX, CA XXXX is fraudulent. I have never lived there. Any phone number associated with these accounts that is NOT XXXX, is fraudulent. I will fight this negative reporting legally by suing the creditors and collection agencies reporting these fraudulent accounts. If needed, I can provide my Iowa Driver 's license etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: ID

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I believe I am a victim of predatory lending by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( partnered with Figure LLC ). I received a HELOC with an APR of 10.70 %, a 4.99 % origination fee, and a floor interest rate that prevents any benefit from lower market rates. The terms include excessive finance charges, daily compounding interest, and overreaching default clauses. I am requesting regulatory review and intervention. 

This loan includes terms that are clearly harmful to borrowers, including : A fixed APR of 10.70 %, with a non-negotiable interest rate floor A maximum APR cap of 15.73 % A 4.99 % origination fee, which was financed and accrues interest Daily compounding interest, which significantly inflates the total repayment Aggressive default clauses and restrictive repayment options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Galaxy Capital Acquisitions, LLC
State: OH

Complaint narrative:
Ive recieved XXXX calls in XXXX days. Including XXXX calls on the same day twice. XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation