vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have a permissible purpose before accessing my credit information. I did not authorize the following inquiries, and I demand their immediate removal from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I did not provide written consent for these inquiries, they constitute a violation of my rights under the FCRA. I request an immediate investigation and demand written confirmation of their removal from my credit report. 
If these unauthorized inquiries are not removed within 24 hours, I will escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), my State Attorney Generals office, and other relevant consumer protection agencies. Additionally, I will explore legal action under the FCRA should this issue remain unresolved.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently disputed my address on Experian, the addresses that were listed were either a family member of mine or it was my address but the apartment number or letter associated with it was incorrect, so when disputing is it only gives you the option to select " I have never lived at this address/this is not my former address '' it doesn't give you the option to correct the information, so I selected the only option it gives you, this was done back in XX/XX/2025, I pay XXXX for a membership. I assuming these address were removed because my current address is only listed but its incorrect as well but now I am unable to access my reports all together I'm receiving this error message, " Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report '' I also recently tried to subscribe to, XXXX  and every time they try to verify me it kept failing with Experian saying I have no record or credit history. I have been contacting Experian for the past week and half by phone but I only get to an automated system with limited information and when asked to speak with a live person I am told that I canon be transferred for limited issues then it hangs up, I have created tickets were I am told to reach out to the same number to speak with a live person and still cant speak to a human and even when given a different number its the same voice with limited options/choices to choose from.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cure Payment Recovery Solutions, LLC
State: CA

Complaint narrative:
Cure payment with XXXX XXXX XXXX the representative claims I owe a debt where when I asked to validate it several times in my email strings he fails to comply, continues to reach out offers different amounts to settle the debt and to sign a new XXXX, which the original one has never been found nor given to me when I asked for this information repeated times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I reported fraudulent charges and lost my credit card and milestone credit card company did not close the account and kept charging me every month and put me in debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally lodge a complaint regarding an error I have discovered on my credit report. Upon reviewing my credit report I noticed the following discrepancy : account information, wrong payment history, incorrect credit inquiries, etc. 
This error is adversely affecting my credit score, and I believe it is a result of inaccurate or outdated information. I request that you investigate this matter and take the necessary steps to correct the information as soon as possible. 
Please let me know if you require any further information or documentation. I expect a prompt response, as this issue is crucial to my financial wellbeing. I would appreciate it if you could confirm the steps taken to resolve this matter and notify me when the corrections have been made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 hope this letter finds you well. I am writing to formally lodge a complaint regarding an error I have discovered on my credit report. Upon reviewing my credit report I noticed the following discrepancy : account information, wrong payment history, incorrect credit inquiries, etc. 
This error is adversely affecting my credit score, and I believe it is a result of inaccurate or outdated information. I request that you investigate this matter and take the necessary steps to correct the information as soon as possible. 
Please let me know if you require any further information or documentation. I expect a prompt response, as this issue is crucial to my financial wellbeing. I would appreciate it if you could confirm the steps taken to resolve this matter and notify me when the corrections have been made to 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
From XXXX XXXX my social security number is XXXX address XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that XXXX XXXX XXXX XXXX collections phone number is ( XXXX ) XXXX and collection attorney law office of Linda strumpf XXXX address XXXX XXXX XXXX XXXX ny XXXX phone number XXXX XXXX unlawfully filed a civil judgment in civil XXXX XXXX XXXX XXXX XXXX ny XXXX and have a city of ny XXXX XXXX XXXX badge XXXX address XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX. The civil XXXX index number is XXXX threatening me to garnished my pay in XXXX  day 's for a very old debt that was paid since XXXX. The law office of Linda strumpf XXXX and us equities Corp collections filed this back in XXXX XXXX I got it vacated for failing to notify me also I was on payment plan for XXXX dollars I would pay law office of Linda strumpf XXXX with credit card I made over several years of payment s but account should of been paid since XXXX. Since that I never got any notices at all since XXXX then all of sudden I get a letter from city of ny XXXX XXXX XXXX badge XXXX address XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX garnished my pay I talk to law office of Linda strumpf XXXX XXXX XXXX run phone number XXXX XXXX to stop garnished of my pay in XXXX he told me that it's to late so that I can pay ny XXXX XXXX XXXX badge XXXX directly XXXX I said I can only pay XXXX and then the attorney said how about XXXX and that ill let the XXXX XXXX XXXX now without any garnish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX has seized all collections on account # XXXX and has agreed to remove the account from Experian immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Account # XXXX {$2100.00} Please refer to attachment as proof.

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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CO

Complaint narrative:
I got a summons by XXXX XXXX XXXX, XXXX for a debt of {$6200.00}. This amount was paid off by a debt collector for a much less amount. I know it was paid off because on my credit report It says I owe {$0.00} to UPSTART.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pull my credit report and see were Equifax report a XXXX days late and my sunrise banks c/o self financial inc.account XXXX this account never late XXXXI send a dispute letter to Equifax, asking for Equifax to investigate invalid report, and remove the XXXX late, and update my credit report account with positive payments, which Equifax failed to do under the fair credit Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this account is not mine and i want it removed this is identity theft account, XXXX XXXX XXXX opened XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this account is not mine and i want it removed this is identity theft account, XXXX XXXX XXXX opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX 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 XXXX FEDERAL TRADE COMMISSION.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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