vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin.

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.

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

Complaint narrative:
This CFPB complaint has been led 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 personal credit card account opened with XXXXXXXX XXXX XXXXXXXX on XX/XX/year>, appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax Information LLC regarding the incorrect address and name on my credit report. I provided supporting documentation, including driver 's license, SSN, and W-2.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and update or correct any inaccurate information within 30 days. However, despite my efforts, Equifax Information LLC has failed to make the necessary corrections. As a result, my credit score has been unfairly impacted, causing financial hardship, including denial of a loan, higher interest rates, difficulty obtaining housing, etc.

I request the CFPB to intervene and ensure that Equifax Information LLC complies with its legal obligations to investigate and correct my credit report.

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

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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
Consumer complaint received 2025-03-03 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 am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CO

Complaint narrative:
Can not speak to a live person. Instead you are placed in a never ending series of phone prompts that keep taking you back to where you started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: SC

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NJ

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account is not mine. The address, phone number, and name does not even match. I requested them to delete it and have not received any information in regards to the account.

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

Complaint narrative:
( Experian ) ( Transunion ) and ( Equifax ) please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 is also account that is not authorized please delete item I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NM

Complaint narrative:
( Experian ) ( Transunion ) and ( Equifax ) please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 is also account that is not authorized please delete item I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use

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

Complaint narrative:
I pulled my consumer reports from ( Experian ) and noticed that you provided an account there as a charge off/collection. } An account can not be a charge off and a collection at the same time! 
A charge off is a canceled debt where a 1099C form must be issued to the consumer! How can a canceled debt be collected? 
Collecting a debt that has been canceled constitutes tax fraud. 
Experian has provided this account : XXXX from XXXX  XXXX XXXX as a charge off/collection and is violating the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information regarding the person to whom the report relates. 
Reporting inaccurate information to a consumer reporting agency is detrimental to my creditworthiness, credit standing, creditworthiness, character and overall reputation. 
You ( name of creditor ) are a furnisher of information and are prohibited by law from reporting inaccurate information.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of
furnishers of information to furnish truthful information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable cause to believe that the information is inaccurate. Therefore, I request that XXXX XXXX XXXX account XXXX be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I was alerted by Chime there was a charge of {$7.00} I called and asked what it was they didn't know and I said well I need to pay my rent and everything if I don't know what it is I will call you back on XX/XX/XXXX I go to pay my rent and my card isn't any good I called and they canceled my card I told him I need my card because I got to pay my rent they won't take the routing number I went right back and forth told him to pull the call I never told her to cancel my card and she just took it upon herself to do that they assured me it would be within XXXX to XXXX business days I called back again on XX/XX/XXXX I don't have it I have a XXXX XXXX  notice now and late charge on my rent and my other bills because I do it with my debit card I spoke with XXXX  she assured me she was going to expedite it and I have yet to see my card now and now it's month XXXX and I'm still behind the last person I talked to which was precious she said nobody even put into mail me a new card this is what they're doing to me on purpose what can I do?

Company response to consumer: Closed with monetary relief