vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-04 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, unauthorized, and negative information that appears on my credit report. I request that the following items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ).

The disputed items include : 1. Unauthorized/Inaccurate Inquiries There are several inquiries listed on my report that I do not recognize, did not authorize, and have no affiliation with. These inquiries are affecting my credit score and do not reflect my credit activity.

2. Unknown Accounts There are accounts showing on my credit report that I never opened. I believe these to be the result of identity theft or reporting errors. These accounts are negatively affecting my credit profile.

3. Negative Information I also dispute any and all negative items that are inaccurate, unverifiable, outdated, or not in compliance with federal credit reporting regulations. Please investigate these entries and delete any that can not be verified.

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 2025-04-04 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: WI

Complaint narrative:
I recently submitted a dispute and was told to provide more information to verify my identity ; below you will find just that. However, I also am following up and expediting the timeline of this investigation as it is approaching thirty days without any remedy. Per the higher education act 20 U.S.C 1083 ( e ) Loan Services must notify you of repayment changes. Our president pushed bills without warning and has affected hundreds opf thousands without forewarning. And per Act 20 USC 1083 ( a ) loan servicers must wait 90 days before reporting late payments. Furthermore, how was this information verified before it was published to my report? I would like the investigation results otherwise this is a direct violation of my rights as a consumer and therefore must be remedied right away.

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 2025-04-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
A XXXX XXXX at VyStar credit union or XXXX XXXX  shut my account down because XXXX XXXX my former girlfriends XXXX had access to it with verbal permission from me. It got shut down for revenge against me for how I treated XXXX XXXX due to gang stalking. She has a lot of friends and has XXXX me over financially multiple times for revenge of not being into her style of having a relationship. She stalks me a lot and her sisters have to help her with stuff like that. I would like yall to investigate this please and I hope something comes of it. XXXX also has a really bad habit of XXXX me over.

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 2025-04-04 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate and fair credit reports as mandated by the Fair Credit Reporting Act ( FCRA ). Specifically, my concerns are as follows : 1. Reinsertion of a Fraudulent Account : A previously disputed and removed fraudulent account has been reinserted into my credit report without the required notification.

2. Misclassification of a Checking Account : A checking account from another institution has been inaccurately listed as a credit account, erroneously reflecting a late payment.

Details of the Accounts in Question : 1. Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : XXXX Issue : This account was fraudulently opened in my name and was previously removed from my credit report following an identity theft dispute. Its reinsertion occurred without the mandatory notification. 
XXXX. Misclassified Checking Account : Bank Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Issue : This is a checking account inaccurately reported as a credit account with a late payment, adversely affecting my credit score. 
Violations of Consumer Protection Laws : The actions of Equifax, Experian, and TransUnion constitute violations of several provisions of the FCRA : 1. Failure to Notify of Reinsertion : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within five business days. I did not receive any such notification regarding the reinsertion of the fraudulent account.

2. Inaccurate Reporting of Account Information : Per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Misclassifying a checking account as a credit account with a late payment demonstrates a failure to adhere to this standard. 
XXXX. Failure to Block Information Resulting from Identity Theft : According to 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block the reporting of information that resulted from identity theft within four business days of receiving proof of identity theft. The reinsertion of the fraudulent account indicates non-compliance with this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
Dear Sir/Madam, I am writing to formally lodge a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate and fair credit reports as mandated by the Fair Credit Reporting Act ( FCRA ). Specifically, my concerns are as follows : 1. Reinsertion of a Fraudulent Account : A previously disputed and removed fraudulent account has been reinserted into my credit report without the required notification.

2. Misclassification of a Checking Account : A checking account from another institution has been inaccurately listed as a credit account, erroneously reflecting a late payment.

Details of the Accounts in Question : 1. Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : XXXX Issue : This account was fraudulently opened in my name and was previously removed from my credit report following an identity theft dispute. Its reinsertion occurred without the mandatory notification. 
XXXX. Misclassified Checking Account : Bank Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Issue : This is a checking account inaccurately reported as a credit account with a late payment, adversely affecting my credit score. 
Violations of Consumer Protection Laws : The actions of Equifax, Experian, and TransUnion constitute violations of several provisions of the FCRA : 1. Failure to Notify of Reinsertion : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within five business days. I did not receive any such notification regarding the reinsertion of the fraudulent account.

2. Inaccurate Reporting of Account Information : Per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Misclassifying a checking account as a credit account with a late payment demonstrates a failure to adhere to this standard. 
XXXX. Failure to Block Information Resulting from Identity Theft : According to 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block the reporting of information that resulted from identity theft within four business days of receiving proof of identity theft. The reinsertion of the fraudulent account indicates non-compliance with this requirement.

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 2025-04-04 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: Kikoff Inc.
State: NJ

Complaint narrative:
In XX/XX/year> an account was opened fraudulent in my name. I didnt notice until now because its harming my credit. I got a notification that Im 60 days late on my account. And I see the account name is KIKOFF LENDING LLC I have not borrowed money or services from this company so I asked them to remove it, this is not accurate, they wanted me to pay whatever the balance off in order to remove it. Which is illegal because you can not report inaccurate information in nobodys credit report. Under the Fair reporting credit laws. So it should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
I am a victim of identity theft. Someone got some cars in my name without my authorization or consent. Ive disputed these issues and a lot of things have come off my report which is good but the rest remains. XXXX XXXX XXXX XXXX XXXX Ive never opened or authorized anyone to open these fraudulent auto loans

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

Complaint narrative:
I am a victim of identity theft. Someone got some cars in my name without my authorization or consent. Ive disputed these issues and a lot of things have come off my report which is good but the rest remains. XXXX XXXX XXXX XXXX XXXX Ive never opened or authorized anyone to open these fraudulent auto loans

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 2025-04-04 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:
I am writing to formally request the removal of outdated and/or incorrect addresses from my credit report. The following addresses are no longer associated with me, and I kindly ask that they be deleted from my file :

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

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-04 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 am writing to formally address an issue of identity theft involving an unauthorized account opened in my name. This action was fraudulent and not authorized by me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-04 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:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
Recently found out I have a tax refund of last year cash app refuse to knowledge thr problem instead I'm blocked and I violated terms of service... even though I'm on a class action lawsuit. Irs needs the check to reissue me the check. I will b happy to send in documents emails and burden of costly amounts of funds that cash app messed up intinally

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

Complaint narrative:
Please see attachment. I was recently incarcerated and just obtained my free credit report and have noticed multiple inaccuracies and discrepancies. Accounts have been opned and closed with my name facetiously and fraudulently. Please conduct a thorough investigation as it unlawful per the FCRA ( 1681.1 and subsections ) to report consumer information without completely verifying the information is 100 % accurate. I am certain a true investigation will yield the opposite. Please respond swiftly, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: WI

Complaint narrative:
Please see attachment. I was recently incarcerated and just obtained my free credit report and have noticed multiple inaccuracies and discrepancies. Accounts have been opned and closed with my name facetiously and fraudulently. Please conduct a thorough investigation as it unlawful per the FCRA ( 1681.1 and subsections ) to report consumer information without completely verifying the information is 100 % accurate. I am certain a true investigation will yield the opposite. Please respond swiftly, 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 2025-04-04 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: ID

Complaint narrative:
Hello, I activated a Payback Reward on my XXXX XXXX XXXX  that said if I made a {$75.00} purchase at XXXX XXXX XXXX by XX/XX/XXXX, I would receive a {$50.00} credit. I made the {$75.00} purchase on XXXX, and XXXX registered the offer as confirmed and pending payout on XX/XX/XXXX. XXXX did not pay out the offer on XX/XX/XXXX, and my secure messages to them since then have not worked to process the payment. I have had similar issues with Netspend not paying me a Payback Reward and a CFPB complaint was ultimately what resolved it. I am asking again for the CFPB to help me get credit. 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 2025-04-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1998 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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. 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 XXXX 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 explanation