vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A fraud dispute was file with experian for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inside of the dispute verification of accounts were requested with full account history ( Payment history, Missed Payments, Accounting opening and closing dates ) were requested as well as contracts with a wet signature to verify authenticity of proper approved account opening. Accounts were never verified by collection agency, instead reporting agency Experian locked online disputing capabilities limiting my disputing only to verbal phone disputes. 

I'm a XXXXXXXX XXXX that struggles with XXXX XXXXXXXX and XXXX that effects my speech and limits my verbal communication. Under the FCRA and XXXX its a direct violation to my rights as a XXXX XXXX. 

Im requesting that both accounts be collection accounts be deleted immediately due to15 USC 1692g and that Experian removes the dispute limitation associated with my credit report 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 2025-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting two charge-off accounts on my credit file that I dispute as incomplete, misleading, and harmful under the standards set forth in the Fair Credit Reporting Act. The first is a charge-off from XXXX, account number ending in XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, reporting a {$0.00} balance. The second is from XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, reporting a balance of {$1000.00}. The XXXX account is being reported as a charge-off with no balance due, which suggests the account has been closed or resolved. However, Equifax continues to include it as a derogatory item, which is misleading. If there is no outstanding balance, this account should not be penalizing my credit score or presented as delinquent. The XXXX account is also concerning because I have never received sufficient verification from Equifax or from XXXX XXXX confirming the legitimacy, accuracy, or full account history related to this entry. I have reason to believe this charge-off may stem from billing errors or unresolved issues during a time of financial disruption that were never properly communicated to me.

These types of negative marks significantly distort my credit profile and carry disproportionate consequences on my ability to obtain fair credit. According to 15 U.S.C. 1681e ( b ), Equifax is obligated to ensure the maximum possible accuracy of the information it reports, and under 15 U.S.C. 1681i ( a ), it must reinvestigate disputed information in a timely and thorough manner. Reporting a {$0.00} balance as a charge-off without reflecting its resolved status is misleading and damaging, and the XXXX charge-off remains unsupported by any documentation provided to me upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Ive reached out to Midland credit management because they have this account on my credit report with XXXX XXXX and put a dispute in numerous of times. They claim they are doing an investigation. I also mentioned that I spoke with XXXX XXXX XXXX and they advise me the account was closed and no longer owed due to a charge off or satisfaction because I had dispute it with them but they said they sold the information to midland credit management. Ive been trying to let them know I have no knowledge of this account and it does not belong to me my information was stolen or lost when I original moved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NC

Complaint narrative:
I had a security alarm with XXXX XXXX and made payments for XXXX months until the house caught on fire and I could not use the security system due to fire and after XXXX year I end up selling the house since I could not afford to rebuilt it and during the whole time XXXX  never contacted me to see what happened even though I called them and explained the situation and they said in these circumstances the XXXX takes a proper action and that was on XXXX when that happens and next thing I know after almost XXXX years they sold the account to XXXX XXXX and now I have this collection on my records which that could have been avoided if they had called me and find out the situation so I need for XXXXXXXX XXXX to explain why they choose this route rather than understand when people go through XXXX in life and try to resolve.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, two payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, XXXX and XXXX, XXXX. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

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 2025-06-12 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2024 a identity theft police report was filed with XXXX XXXX Police Department to include the information XXXX XXXX XXXXXXXX credit card, capital one, XXXX, XXXX XXXX were contacted via certified mail with no response to requested information. 
We only received correspondence when we filed with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> a identity theft police report was filed with XXXX XXXX Police Department to include the information XXXX XXXX  XXXX credit card, XXXX  XXXX, CBNA, Citicards CBNA were contacted via certified mail with no response to requested information. 
We only received correspondence when we filed with the FTC.

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 2025-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> a identity theft police report was filed with XXXX XXXX Police Department to include the information XXXX XXXX XXXXXXXX credit card, XXXX XXXX, CBNA, Citicards CBNA were contacted via certified mail with no response to requested information. 
We only received correspondence when we filed with the FTC.

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 2025-06-13 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the TRANSUNION data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
At precisely XXXXXXXX XXXX. Friday morning I had to send someone {$80.00} for a dresser cuz I'm moving his name is also XXXX but his name is XXXX XXXX and I made a mistake and send it to XXXX XXXX noticing XXXX XXXX immediately yes I know who he is I requested return of my money numerous times no answer no text then finally someone answered the phone and said he's not available I notified cash app and explain the situation they said that it says pending he has the accepted or rejected in order for me to be refunded and I don't believe that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OH

Complaint narrative:
This complaint is valid and not mistaken. My credit report contains significant inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm, and I demand their immediate investigation and removal. Swift resolution is imperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX account is being reported by TransUnion on my credit report. 

I have disputed this account multiple times, and despite providing full documentation of identity theft, TransUnion has repeatedly failed to permanently remove or block this account from my report. 

On XX/XX/year>, I submitted a formal identity theft block request under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), which included : An FTC Identity XXXX Affidavit A police report A written dispute letter Proof of my identity Under the law, TransUnion was XXXX to block and remove the fraudulent XXXX account XXXX XXXX business days of receiving those documents. 

As of XX/XX/year>, TransUnion has still failed to take action and continues to report the fraudulent account, in clear violation of federal law. The failure to block the account after multiple disputes and identity theft documentation is unacceptable and unlawful. 

Requested Relief : Immediate and permanent deletion of the XXXX account Written confirmation of the block and removal Penalties or compensation for continued noncompliance and repeated failures to act on my disputes Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I've recently received a copy of my credit report and according to 15.U.S.C 1692 ( C ) You have Violated my rights by unlawful communications. Please remove these Inaccuracies and unauthorized accounts/information off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I've recently received a copy of my credit report and according to 15.U.S.C 1692 ( C ) You have Violated my rights by unlawful communications. Please remove these Inaccuracies and unauthorized accounts/information off my credit report. Thank you.

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 2025-06-13 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:
Several years ago, my apartment was burglarized. All my information was stolen. It's been hard trying to get a hold of all the accounts that where opened in my name, but I've been persistent. Please assist me in removing the last of the accounts that was opened fraudulently in my name. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Several years ago, my apartment was burglarized. All my information was stolen. It's been hard trying to get a hold of all the accounts that where opened in my name, but I've been persistent. Please assist me in removing the last of the accounts that was opened fraudulently in my name. Thank you.

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