vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: RI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Continuing to be a victim of fraud and having to deal with the unsuccessful outcome of anything being resolved. I hope that your agency agree to Remove any and all references to this account from my credit reports with all credit reporting agencies ( Experian, Equifax and TransUnion ). Thanks

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 2025-05-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Continuing to be a victim of fraud and having to deal with the unsuccessful outcome of anything being resolved. I hope that your agency agree to Remove any and all references to this account from my credit reports with all credit reporting agencies ( Experian, Equifax and TransUnion ). Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> To : E * TRADE ( Morgan Stanley ) Attn : Customer Account XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Subject : Waiver of Tort Formal Demand for Immediate Access to Restricted Bank Accounts Dear E * TRADE Compliance Department, I am writing to formally demand immediate restoration of access to my E * TRADE accounts, which have been unlawfully restricted without proper notice, explanation, or communication for several weeks. These accounts include : Account ending in XXXX Balance : {$1000.00} Account ending in XXXX Balance : {$1000.00} Account ending in XXXX Balance : {$1000.00} Account ending in XXXX Balance : {$1000.00} Despite numerous phone calls to your customer service department, I have been given vague assurances that a " specialty team '' would respond. However, I have yet to receive any formal contact, written notice, or explanationthis delay is unacceptable and constitutes a breach of fiduciary duty, conversion, and potential violations of Regulation E ( 12 CFR Part 1005 ) and the Dodd-Frank Act ( 12 USC 5531 ).

E * TRADEs failure to notify me or justify the restrictions on my accounts is not only a breach of its duties as a custodian of my funds, but may amount to unfair and deceptive acts and practices. These funds are my personal property, and continued denial of access constitutes a tortious interference with my rights.

Additionally, E * TRADE has ignored basic principles of good faith and commercial reasonableness. I hereby invoke waiver of tort, and reserve all rights, remedies, and defenses under the Uniform Commercial Code ( UCC ), equity, and common law.

Notice of Fees : Effective upon receipt of this notice, the following fee schedule shall apply for any continued interference with my funds or failure to respond in good faith : $ XXXX for wrongful withholding of funds beyond XXXX calendar days from receipt of this letter {$5000.00} per instance of non-response to written demands or notice {$2500.00} for breach of fiduciary duties and failure to communicate in good faith All reasonable costs, mailing expenses, and damages incurred Demand for Immediate Action : Immediate release of the full balances of all accounts, sent to the address on file via check or wire ; Written explanation for the account restrictions ; Copies of any internal or third-party communications regarding these restrictions ; A timeline for complete resolution of this matter.

If this matter is not resolved within seven ( 7 ) calendar days of your receipt of this letter, I will proceed with formal regulatory complaints to the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and legal action if necessary. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX, Attorney General State of Michigan Consumer Financial Protection Bureau Office of the Comptroller

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-05-15 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 no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-15 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by TransUnion on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXX XXXX XXXX ( D ( XXXX ), yet they have proceeded to place : XXXX XXXX - Account Number XXXX * * * * XXXX XXXX - Account Number XXXX * * * * XXXX XXXX XXXX XXXX - Account Number XXXX * * XXXX XXXX XXXX XXXX - Account Number XXXX * * XXXX XXXX XXXX - Account Number XXXX * * * * accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX CER XXXX ( c ) ( XXXX ) ( XXXX ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXXTransUnion has XXXX to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under XXXX CER XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX  days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX  breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that TransUnion remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

Sincerely, 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 2025-05-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have made sure to make my payments on time for JPMCB AUTO with the account number XXXX. 
This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report. 

JPMCB AUTO XXXXXXXX DATE OPENED XX/XX/year> BALANCE : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Reporting in accurate information on credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX, TX XXXX Subject : Request for Information Under 15 U.S.C. 1681 Dear XXXX Customer Service, I am writing to request information regarding my credit report in accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. As a consumer, I understand my rights under this federal law to obtain a copy of my credit report and to dispute any inaccuracies that may appear.

Please provide me with a copy of my credit report, as well as any information you have regarding the sources of the information contained in my report. Additionally, if there are any negative entries, I would like to know the steps I can take to dispute and correct those entries, as well as the procedures you have in place to ensure the accuracy of the information reported.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Credit Reporting Act.

Thank you for your assistance. 

Sincerely, 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 2025-05-15 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Managment is reporting an account on my credit report that does not belong to me. XXXX XXXX XXXX has notified this collection agency to remove this debt from my credit report and they still refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
After being notified that my personal information was involved in a data breach, I obtained a new copy of my credit report. I was alarmed to find additional accounts that I do not recognize and never authorized.

I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.

15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited.

15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

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 2025-05-15 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: CA

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 2025-05-15 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Please remove unauthorized inquiries from y credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I got a text saying i needed to pay a toll. I went to pay but later realized it was a scam. On XX/XX/XXXX someone withdrew XXXX from my checking account. The scammer. Withdrawn from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed this claim through Bank of America and it was denied wrongly.

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 monetary relief