vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-14 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I made a payment of {$100.00} five days after my initial due date of XX/XX/XXXX to bring my account current, and the website confirmed that it was up to date. However, when I went to make my payment today, I noticed that my account showed I was 30 days late on a {$17.00} balance, which I wasnt aware of. Ive been a customer since XXXX and have never had a late payment. I contacted them, but they refused to make any adjustments, despite my long-standing payment history.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I discovered multiple inaccuracies on my Experian credit report, including incorrect account closures, fraudulent activity, erroneous late payment notations, and unauthorized hard inquiries. Despite previous disputes, XXXX has failed to properly investigate or correct these errors. Fraudulent Account Charges : My XXXXXXXX XXXX XXXX XXXX account was compromised in XX/XX/year> when my wallet was lost, yet fraudulent charges remain on my report. Incorrect Late Payment Reports : XXXX XXXX and XXXX XXXX XXXX XXXX reflect one late payment each, which never occurred. Incorrect Account Closures : Multiple accounts, including XXXX XXXX Bank and XXXX XXXX XXXX XXXX, were closed by the XXXX XXXX in error, negatively impacting my XXXX XXXX. Unverified Account : A XXXX XXXX XXXX XXXX account with a balance of {$15000.00} is reported on my credit file without an associated account number, making it unverifiable. Unauthorized Hard Inquiries : Companies such as XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX made inquiries without my authorization. I have provided documentation to support my claims and formally request that XXXX conduct a manual investigation to correct these errors. I also demand the removal of unauthorized inquiries and that my employment information be updated to reflect my current employer, XXXX  XXXX XXXX, XXXX, as of XX/XX/year>. I expect a written response confirming corrections within 30 days, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ].

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 2025-03-14 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Dear CFPB Representative, I am writing in response to the replies from XXXX XXXX, Goldman Sachs and XXXX XXXX regarding my complaint. Unfortunately, their responses do not address the core issue I raised. 

I have no knowledge of many of the transactions and payments referenced in their responses. I have been a victim of a XXXX XXXX virus, which compromised my personal and financial information, leading to unauthorized activities on my accounts. Despite informing XXXX XXXX and Goldman Sachs of this, they have chosen to ignore the fact that my accounts were compromised and are holding me responsible for transactions I did not authorize. 

XXXX XXXX states that I am responsible for these charges due to my Cardmember Agreement, but they fail to acknowledge the impact of financial fraud and identity theft. Similarly, Goldman Sachs is dismissing my claim despite the fact that the unauthorized transactions resulted from stolen credentials. 

I urge the CFPB to intervene and ensure that both financial institutions properly investigate my claim, acknowledge the fraud, and take the necessary steps to remove these fraudulent charges from my record. Holding a fraud victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles. 

I request that XXXX XXXX, Goldman Sachs and XXXX XXXX provide : A thorough fraud investigation into the transactions I have disputed. 
Proof that these transactions were legitimately authorized by me and not by an unauthorized person. 
Immediate correction of my credit report to remove any inaccurate, fraudulent, or disputed information. 
I appreciate your time and assistance in ensuring that these institutions uphold consumer protection laws. Please let me know if you require any additional information from my end. 

Sincerely, XXXX XXXX XXXX Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX Reference : XXXX Goldman Sachs XXXX Apple Card ) Reference : XXXX XXXX  XXXX Reference : XXXX Last Four Digits of Affected Account : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX & XXXX XXXX XXXX  Inquired on XX/XX/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 2025-03-14 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: CA

Complaint narrative:
I received my credit reports and noticed that XXXX XXXX XXXX was reporting a frivilous account, I immediately contacted them and disputed the account and they failed to investigate the account but yet updated the account with all XXXX credit bureaus saying it was verified and then made notes on the account that XXXX payments were paid on time and no payments were made on the account but on the same line they say that 75 % of the loan is remaining and list ontime payments, additional they show the account as charged off but did not provide a required 1099c and the account still shows open on the credit bureaus. they never provided any requested documents just continue listing it as verify and never correct there errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I call Equifax, transUnion, Experian and stated I had a name change with a court order and need to be update tin their system and got redireted here to file my Mather old name

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 2025-03-14 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.

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 2025-03-14 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.

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 2025-03-14 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: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-03-14 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
i am a victim of data breach and identity theft and would like all accounts mentiontioned to be block and deleted putsuant 15 us 1681c-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
i am a victim of data breach and identity theft and would like all accounts mentiontioned to be block and deleted putsuant 15 us 1681c-2 ( a )

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 2025-03-14 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 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 explanation
Consumer complaint received 2025-03-14 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-14 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
Will never get an answer, excessively long phone wait times. Do not expect to ever get any issue solved with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Permanent Deletion of Accounts Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that are inaccurately appearing on my Equifax credit report. I demand their immediate and permanent deletion as they are either inaccurate, unverifiable, or otherwise improperly reported. The accounts in question are : XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 31 U.S.C . 5118 and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights as a consumer to dispute and demand removal of any accounts that can not be properly verified or that have been reported unlawfully.

Legal Violations Supporting My Dispute : 1. 15 U.S.C. 1681i ( a ) - Failure to Conduct a Proper Reinvestigation : Equifax must conduct a reasonable reinvestigation of disputed information and delete any unverifiable accounts.

2. 15 U.S.C. 1681e ( b ) - Failure to Assure Maximum Possible Accuracy : By reporting inaccurate information, Equifax is in violation of its obligation to ensure the accuracy of consumer credit files.

3. 31 U.S.C. 5118 - Protection Against Unlawful Debts : This federal statute protects consumers from obligations not legally enforceable.

Fair Resolution Request : Permanent deletion of the listed accounts from my Equifax credit report.

A written confirmation within 30 days that the accounts have been removed.

Assurance that these accounts will not be reinserted into my credit file in the future.

To support my dispute, I have enclosed the following documents : A copy of my credit report highlighting the disputed accounts.

A copy of my government-issued ID to verify my identity.

I expect full resolution of this dispute within the legally required timeframe. Failure to comply with this request will result in further escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NV

Complaint narrative:
I requested debt validation, but I have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2025-03-14 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:
" 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation