vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I had set my bill pay in the credit card app to " Auto-Pay '' simply because my payments were approximately $ XXXX. I did not use this card and kept as an emergency use card. I KNOW I set to auto pay because the payment is so low. The credit card company now says they do not have auto pay. I was under the impression these past two months payments had been paid because I received NO phone voice mails, NO texts, NO emails and NO USPS mail letting me know of my late payments, delinquency or chance of reporting to credit bureaus. How I found out is I received an alert on my credit monitoring app - XXXX XXXX saying I had a drop in my credit score. NOW i have a XXXX point drop in my credit score ( s ). I have attached a snapshot of it. The credit card company had NO HISTORY of their attempts to reach me to bring the account current which was approximately {$17.00} of missed payments??? This has cost me possibly XXXX  of dollars in a home loan that I am working on towards the purchase of a home later this year. The credit card company advised they would not retract their credit company submission as I requested so I closed my account with them. I will be writing the CEO and Board as this is RIDICULOUS. I would have closed this card out years ago if I had known this is how they operate. They need to retract their mark on my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a loan for {$5000.00} from Light Stream XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX  www.lightstream.com I was approved and sign the document of Monday XX/XX/year>. 
After I signed the documents I was expecting the loan to be deposited into my Bank Account. The loan Officer did not deposit the loan as promised. His name is XXXX and his Assistant name is XXXX XXXX. 
Phone number is XXXX conversations was done via Text Messages. XXXX informed me because I am a new customer I have to get a deposit of {$450.00} via a XXXX card. I could not get the XXXX card instead XXXX settled for a XXXX XXXX. I purchased the card from XXXX and I text the card to XXXX. He acknowledge he received the card. On the next day he said I need to take out an insurance for {$240.00}, he said if I do I would not have to make the first XXXX payments. i purchased a XXXX XXXX card for the {$240.00}. Still no money was deposited XXXX said I need to take out another insurance for {$240.00} which I did not do. I told XXXX that he need to return the money which amounts to {$690.00}. No answer from him. I never received the loan. I think the persons involved are scammers.

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 2025-05-03 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:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-03 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: GA

Complaint narrative:
I noticed a collection account from XXXX on my credit report, which I do not recognize and have never had any relationship with the original creditor. After researching, I found that XXXX is not licensed to collect debt in the state of XXXX where I live. Despite this, they are still reporting the collection on all three credit bureaus. 

Additionally, XXXX and XXXX are reporting as authorized user accounts on my credit report, but these accounts should not be reported. These accounts were removed from Experian, but are still showing up on Equifax and TransUnion. XXXX XXXX sent me a letter saying that the account would be removed because I am not responsible. Furthermore, XXXX is reporting as if Im an authorized user, but I never opened an account with them. 

I have also sent multiple dispute letters to both the credit bureaus and XXXX, requesting debt validation and verification of these accounts. Despite these requests, they have ignored my disputes and continue to report the inaccurate information.

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 2025-05-03 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: GA

Complaint narrative:
I noticed a collection account from XXXX on my credit report, which I do not recognize and have never had any relationship with the original creditor. After researching, I found that XXXX is not licensed to collect debt in the state of XXXX where I live. Despite this, they are still reporting the collection on all three credit bureaus. 

Additionally, XXXX and XXXX are reporting as authorized user accounts on my credit report, but these accounts should not be reported. These accounts were removed from Experian, but are still showing up on Equifax and TransUnion. XXXX XXXX sent me a letter saying that the account would be removed because I am not responsible. Furthermore, XXXX is reporting as if Im an authorized user, but I never opened an account with them. 

I have also sent multiple dispute letters to both the credit bureaus and XXXX, requesting debt validation and verification of these accounts. Despite these requests, they have ignored my disputes and continue to report the inaccurate information.

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PFA has hired a law firm to attempt to collect a purchased debt. Thisn is direct violation of USC and FDCRPA of sharing my information with a third party. PFA is also a third party and has shared with all CRA. 

They need to stop violating the law to attempt to get money they won't get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This account has been officially closed by the court. Additionally, you are reporting an inaccurate balance with TransUnion. Please note that both XXXX  and XXXX have already deleted this account from my credit file. 

Attached are copies of the letters I previously sent to XXXX and the Office of the Attorney General on XX/XX/2023. Following those submissions, XXXX removed the account, and the court confirmed that it does not publicly report child support information to the credit reporting agencies. 

Given this information and the actions already taken by other bureaus and entities, I am requesting that you promptly remove this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from my credit report as well.

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 2025-05-03 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: NY

Complaint narrative:
Please remove hard inquiry I do not know where is come from 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

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 2025-05-03 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-03 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: TN

Complaint narrative:
Specifically, XXXX XXXX XXXX is listed as the " original creditor, '' which is * * false and misleading * *. They are not the original creditor but a third-party debt buyer. This misrepresentation may violate the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * *, which requires accurate and truthful reporting, as well as the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) * *, which prohibits false representations of a debt.

Furthermore, I have * * never provided this company with my personal information * *, and I have not received any legally required debt validation notice under * * 15 U.S.C. 1692g ( a ) * * within XXXX days of their initial communication, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
XXXX'Dear Equifax Credit Dispute Department,\nI am writing to dispute fraudulent charges on my credit report in the amount of XXXX that was opened between the time frame of JXXXX XXXX XXXX also request that you cease reporting the inaccurate information to all nationwide credit\nreporting agencies (CRAs) to which you provided it.\n\nI am a victim of identity theft, and I did not make these charges. I request that you remove the\nfraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and remove the accounts:XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account Number: \XXXX XXXX Account Number: XXXX Account Number: XXXX XXXX BANK Account Number: XXXX XXXX Account Number: XXXXPlease add a promotional suppression to all non-account holding inquiries over XXXX  days old.\n\nPlease remove the names that do not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXPlease remove the addresses that do not belong to me:XXXX XXXXXXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXXPlease remove the employment that does not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXEnclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXXB of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions.\n\nSincerely,\XXXX XXXX XXXX \nEnclosures\nIdentity Theft Report\nCredit report with disputed information indicated\nFTC Notice to Furnishers of Information\nFair Credit Reporting Act'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
Equifax refuses to remove the XXXX XXXX XXXX that's on my account. Should you need a reminder please refer to 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), 15 USC 1681c-2 & 18 USC 1028A . DID NOT give you neither direct nor indirect permission to furnish my information. The Bankruptcy was dismissed and means that in court terminology it never existed. I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. How can XXXX XXXX verify anything when my account has been opted out and blocked, so I am stating that Equifax are not verifying and just keeping the information the same without a human person really doing the research to verify the information. 

XXXX XXXX XXXX is not reporting on XXXX XXXX XXXX  and needs to be removed asap. 

This account is inaccurate because it's not reporting on XXXX XXXX XXXX and needs to be removed asap. I am tired of putting in complaints and this will be my last one before my lawyer gets involved and this will turn into a huge lawsuit. 

The CFPB is suing Equifax for have inaccurate information on consumer reports and I have to send in several complaints to get something removed when it's on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity them and my information has been in multiple data breaches This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 multiple credit card collections inquiries and closed accounts listed in the identity theft report I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
Credit card accounts XXXX XXXX opened XX/XX/XXXX acct # XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX acct # XXXX, XXXX XXXX XXXX  XX/XX/XXXX acct # XXXX, XXXX XX/XX/XXXX acct # XXXX, XXXX XX/XX/XXXX acct # XXXX, Closed Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX acct XXXX and inquiries from XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX of the 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 & XXXX as proof from the USFederal Trade Commission that all of the mentioned 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 2025-05-03 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX reported my XXXX  payment to them as 30 days late. I reported credit fraud on my account with them. They shut the account that the fraud occurred on and shipped me a new card. While shutting the old account down they also removed the online account and anyway of paying the account. I was on auto-pay and would have figured that they would transfer the pertinent information to the new account number. 

They did not and then reported me as late. I called in the speak to someone that could help and was told there is nothing they could do. They all agreed that it wasn't fair but it was out of their hands. 

So, I am a victim of credit card fraud and I get a blemish on my credit report. The only blemish I have ever had. This mistake has cost me higher rates on some loans already. 

All I am asking is for this 30 day late to be removed or the whole account removed. I am a business man and use my credit to help fund my business, now you are interfering in that.

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 2025-05-03 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:
XXXX XXXX XXXXXXXX reported my XXXX  payment to them as 30 days late. I reported credit fraud on my account with them. They shut the account that the fraud occurred on and shipped me a new card. While shutting the old account down they also removed the online account and anyway of paying the account. I was on auto-pay and would have figured that they would transfer the pertinent information to the new account number. 

They did not and then reported me as late. I called in the speak to someone that could help and was told there is nothing they could do. They all agreed that it wasn't fair but it was out of their hands. 

So, I am a victim of credit card fraud and I get a blemish on my credit report. The only blemish I have ever had. This mistake has cost me higher rates on some loans already. 

All I am asking is for this 30 day late to be removed or the whole account removed. I am a business man and use my credit to help fund my business, now you are interfering in that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
XXXX XXXX XXXXXXXX reported my XXXX  payment to them as 30 days late. I reported credit fraud on my account with them. They shut the account that the fraud occurred on and shipped me a new card. While shutting the old account down they also removed the online account and anyway of paying the account. I was on auto-pay and would have figured that they would transfer the pertinent information to the new account number. 

They did not and then reported me as late. I called in the speak to someone that could help and was told there is nothing they could do. They all agreed that it wasn't fair but it was out of their hands. 

So, I am a victim of credit card fraud and I get a blemish on my credit report. The only blemish I have ever had. This mistake has cost me higher rates on some loans already. 

All I am asking is for this 30 day late to be removed or the whole account removed. I am a business man and use my credit to help fund my business, now you are interfering in that.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
FXXXX XXXX inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX  inquiry Date : XX/XX/XXXX, XXXX BANK Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX, XXXX  FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX, XXXX  FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation