vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-04-25 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: GA

Complaint narrative:
I was at the realtor trying to pre-qualify for a home. That's when I found out that my credit report was drastically incorrect. I believe that the 3 credit bureaus either made major errors or that someone has stolen my identity and opened 3 accounts in my name without my consent, or knowledge. I did not give consent for these accounts to be opened, neither did I sign any documentation in reference to the opening of these accounts. I never authorized for these lenders to give the okay to open these accounts, according to Fair Credit Act these companies have violated my rights under section XXXX XXXX XXXX a state I have a right to privacy XXXX XXXX. XXXX XXXX states a consumer reporting can not furnish an account without my written consent. These are the accounts that were opened without my consent, nor knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I never authorized for these accounts to be opened at any time.I never gave anyone consent, nor did I ever speak to anyone. 
Also, these hard inquiries are I never gave consent for my credit to ran by these lenders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
This company got into contact with me about an alleged debt I owed. I asked for validation and original loan documents as I never been in contact with them before. That I all sent REGISTERED AND CERTIFIED MAIL. They did not respond to my letters nor could verify the debt and thusly sold the debt off to another company. The other company WAS able to verify the debt and I have been in contact with them to pay. Then randomly I just receive a court order that a judgement has been decided in this companies favor that I have to pay back. I haven't received anything from them since 2023, nor did I receive any summons to appear to court. I was not served at all. And to be served in Texas legal documents have to be served by a sheriff, a constable , county clerk, or an authorized process server. Or if those aren't available, served by certified mail so it can be tracked legally. This legal process has not been done nor was I given a chance for anything. This is highly illegal and predatory as they don't even own the debt anymore that they are trying to sue me over. The alleged debt has been sold and they no longer own it. the other agency that has been in contact with me owns it. This is illegal and predatory business practice. This is really a scam as they know people wont fight it and they can just get away with it. This business should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/year> I started receiving several emails from chase bank stating that all the XXXX part services I had linked to my account were removed and that my account is under review and to please call to have my account unlocked. When I called and spoke with the rep of the fraud department she said the bank has made a final decision to close your account no additional information can be provided the only thing that I can XXXX that promised this was I was sent a link from chase to open another checking account and receive XXXX dollars after adding direct deposit it said it was for current and new customers and so I applied for the XXXX checking account which is not unusual and next think I know all my accounts are being closed this is absurd XXXX Literally in tears how do you close someones account without even speaking to them about it. To me thats unfair as it could look really poorly on me FINANCIALLY when I did nothing wrong. I need chase to make this right reopen my accounts and make me whole again. XXXX so upset this is so disheartening. First I get an email saying thanks for apply then overnight everything closed so upsetting. XXXX A XXXX XXXX XXXX VETERAN I WOULD NEVER DO FRAUD. XXXX so upset with chase for just not even speaking to me if they suspected fraud before closing my accounts. XXXX of my accounts was overdrawn because they allow you to overdraft a certain amount and my direct deposit always cures the overdraft but I have to stop my entire direct deposit coming so I can have access to the rest of my money to pay bills. I need them to clear my name because this can affect me getting credit cards issued by chase and any other services in the future this is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had an unauthorized payment come out of my checking account from Nordstrom. It was classified as a VRU payment. I called Nordstrom and they are not taking responsibility for this. Referred me to the fraud department. How strange that some random person would just call in and make a payment for me. This seems to be happening as many people are complaining about this. This seems like a shady practice. Im removing all of my saved checking accounts from Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
Equifax, XXXX XXXX XXXX are not showing my XXXX XXXX XXXX XXXXXXXX on my credit report. Im sick of dealing with this and having to report them for incorrect information. My account with XXXX XXXXXXXX XXXX is open AND CURRENT. My credit score and credit report should reflect that. Im at the point now where I want to file sanctions against all of them. Fix my credit report and update my scores IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
Equifax, Transunion, and Experian are not showing my XXXX XXXX XXXX XXXXXXXX on my credit report. XXXX sick of dealing with this and having to report them for incorrect information. My account with XXXX XXXX XXXX is open AND CURRENT. My credit score and credit report should reflect that. Im at the point now where I want to file sanctions against all of them. Fix my credit report and update my scores 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 2025-04-25 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: NC

Complaint narrative:
Equifax, Transunion, and Experian are not showing my XXXX XXXX XXXX XXXXXXXX on my credit report. XXXX sick of dealing with this and having to report them for incorrect information. My account with XXXX XXXX XXXX is open AND CURRENT. My credit score and credit report should reflect that. Im at the point now where I want to file sanctions against all of them. Fix my credit report and update my scores 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 2025-04-25 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX XXXX, i noticed multiple fraudulent inaccuracies reporting on my credit report, i am a victim of identity theft and did not make these charges please remove immediately! Thank you for your time!

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 2025-04-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$2600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$450.00} XXXX  # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX # XXXX XX/XX/XXXX -- {$81.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have accounts on my Experian credit report that are clearly closed and have been closed for a while, and they are showing up as negative accounts on my credit report and affecting my credit report, I did file a dispute with them and XXXX day response was that it would be staying on my credit report. This should be removed if I have since closed out the account, and I owe nothing why should they report these account a negative.

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 2025-04-25 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: PA

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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
XXXX XXXX XXXX Overdraft / reserve checking account with account # XXXX opened on XX/XX/year>XXXX  and a balance of {$2800.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide 1099C, statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
TransUnion : P.O. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear TRANSUNION I am writing to formally dispute unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or permissible under the law should be included in my credit report. 

I have reviewed my credit report and have identified the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, and I am requesting their immediate removal from my credit report. Unauthorized inquiries can negatively affect my credit score and are a violation of the FCRA, specifically 15 U.S. Code 1681b, which outlines permissible purposes for obtaining a consumer report. According to this section, a consumer report can only be obtained under specific circumstances, such as with the consumer 's written consent or for legitimate business needs. 

Furthermore, I request verification of the authorization for these inquiries, including a copy of the original signed authorization form ( wet signature ) as evidence of my consent, as required under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15 U.S. Code 7001.

Additionally, the Uniform Commercial Code ( UCC ) 1-308 allows for the reservation of rights without prejudice, which I am invoking to assert my right to dispute these unauthorized inquiries. 

To resolve this matter, I am requesting that you : Investigate the unauthorized inquiries listed above. 
Remove these unauthorized inquiries from my credit report. 
Provide written confirmation of the removal and results of your investigation. 
Provide a copy of the original authorization ( wet signature ) for each of the disputed inquiries. 
Enclosed with this letter, you will find copies of my identification and proof of address to assist with your investigation. Please respond to this dispute within 30 days as required by 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. I look forward to your response and 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 2025-04-25 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Al XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] National Credit Systems , Inc . 
XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Notice of FCRA Violation Negligent Noncompliance ( 15 U.S.C. 1681o ) To Whom It May Concern : I am writing in regard to the account you are reporting under my name, which appears on my credit report. This letter serves as a formal dispute of the account and notice of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. 

I previously submitted a written dispute concerning the accuracy of the information you are reporting. Despite being notified, your company failed to conduct a reasonable investigation as required by the FCRA, and the inaccurate information continues to be reported. This constitutes negligent noncompliance with your statutory obligations. 

Under 15 U.S.C. 1681o, I may seek actual damages sustained as a result of your actions, along with costs of litigation and reasonable attorneys fees. I am providing you a final opportunity to correct this matter before seeking legal remedies. 

Please take the following actions within 15 days : Cease reporting this account to all credit reporting agencies. 
Provide written confirmation that the item has been deleted from my credit file. 
Provide documentation validating the alleged debt and your authority to collect or report it. 
Failure to respond appropriately will leave me no choice but to pursue legal action for negligent noncompliance under the FCRA. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 XXXXXXXX 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 2025-04-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XX/XX/year> -- {$81.00}

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 2025-04-25 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: IL

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 2025-04-25 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: IL

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