vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair 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 2025-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dispute of Unauthorized Credit Reporting by OppLoans ( Opportunity Financial , LLC ) ACCOUNT NUMBER XXXX Dear CFPB Representative, I am filing this formal complaint and dispute concerning the unlawful actions of Opportunity Financial , LLC ( OppLoans ) in reporting my personal information to consumer credit reporting agencies without my knowledge, consent, or express authorization. 

I did not initiate, authorize, or consent to any agreement that permits OppLoans to access, collect, or report my personal or financial data to any third party, including XXXX XXXX or XXXX. As such, I assert this constitutes an unauthorized use and publication of my private information in violation of my rights under both federal consumer protection laws and commercial law statutes. 

Pursuant to UCC 1-103, which preserves common law remedies and rights, I am asserting my right to privacy, property, and due process. Under UCC 9-210, I hereby request verification of any alleged obligation or record that OppLoans claims to have, as I have no recollection or knowledge of any such transaction.

Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) mandates that only accurate and properly authorized information may be reported to consumer credit agencies. OppLoans has failed to provide evidence of a legally binding contract bearing my wet ink signature or valid digital authorization that permits them to report any such account.

I respectfully request that the CFPB investigate this matter immediately. 

I look forward to your timely response and a resolution in accordance with your mandate to protect consumers from unlawful financial practices. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX {$39000.00} XXXX {$5000.00} XXXX  XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$8200.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXX  {$8000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$6400.00} XXXX XXXXXXXX {$150.00} XXXX XXXX XXXX  {$160.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$84000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX {$2500.00} THE FOLLOWING INQUIRIES ARE INCORRECT XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  THE FOLLOWING ADDRESSES DO NOT BELONG TO ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-04-27 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: VA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To : CFPB Complaint Submission Portal Subject : Auto Loan Bank of America Charged Off My name is XXXX XXXX, and I am writing regarding a charged-off auto loan from Bank of America in the amount of {$7100.00}. 

Account Info : Creditor : Bank of America Account # : XXXX Subscriber Code : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX This loan was taken during a time when I was in an abusive relationship. I was pressured into signing documents, and eventually my ex-partner left me with the entire debt. The car was taken and I have not received clear documentation of the remaining balance. I am currently a single mother with no financial assistance, and I am trying to rebuild my life. 

I request : - Documentation of the current balance - Consideration for removal of this item or a goodwill adjustment due to proven hardship - A full review of how this was handled Thank you for your support and consideration.

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 2025-04-27 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: GA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDLENT INQUIRIES THAT I DIDNT APPLY FOR NOR AUTHORIZED. IM A VICTIM OF IDENITITY THEFT AND MY INFORMATION HAS BEEN USE TO APPLY FOR CREDIT WITHOUT MY PERMISSION. THESE FRAUDELNT INQURIES HAVE CAUSE MAJOR HARDSHIPS IN MY LIFE AND I DEMAND THESE FRAUDLENTINQUIRIES BE REMOVED FROM MY CONSUMER XXXX REPORT. THESE INQUIRES INCLUDE XXXX XXXX, GRXX/XX/XXXXXX/XX/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 2025-04-27 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: DISCOVER BANK
State: WA

Complaint narrative:
I ordered an item from a company and never received it. I contacted company and they stated now XXXX times they have refunded the money and XXXX of the times they stated the company refused the refund. I have contacted the company multiple times showing them I never received the item. I filed a dispute with the credit card company provided all the documentation including the email conversation between myself and the company, proof the package never got delivered. The company provided a false email transcript anf fake tracking and the credit card company is refusing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXXXXXX XXXX ( XXXX ) concerning the severely inaccurate and potentially harmful credit reporting of my account with XXXX XXXX ( Account Number : XXXX ). 

I opened a charge card account with XXXX XXXX XXXX XX/XX/XXXX, with a credit limit of {$3400.00}. My credit report currently displays contradictory information regarding this account. It states that the account was " charged off '' and a balance of {$3200.00} was " written off '' as of XX/XX/XXXX. However, it simultaneously continues to report a past due balance of {$3200.00} as of XX/XX/XXXX. This inconsistent reporting is not only confusing but also demonstrably inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), specifically including but not limited to Sections 602 and 623 ( 15 U.S.C. 1681 and 1681s-2 ), which guarantee my right to accurate credit reporting. 

Furthermore, despite the reported " write-off '' in XX/XX/XXXX, I have never received a Form 1099-C, Cancellation of Debt, from XXXXXXXX XXXX. According to IRS regulations, a lender is generally required to issue this form when a debt of {$600.00} or more is discharged. The absence of this crucial tax document strongly suggests that the " written off '' status reported to the credit bureaus is either entirely false or intentionally misleading. 

The continued reporting of a balance due on an account that XXXX claims to have " written off, '' coupled with their failure to issue the legally required 1099-C, constitutes a gross misrepresentation of my financial obligations and is severely damaging my creditworthiness. This inaccurate reporting directly contravenes the principles of fair and accurate credit reporting as mandated by the FCRA.

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 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
Cease and Desist Dear AMERICOLLECT, ( ACCT. # XXXX AND XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-27 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: TX

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: 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, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDLENT INQUIRIES THAT I DIDNT APPLY FOR NOR AUTHORIZED. IM A VICTIM OF IDENITITY THEFT AND MY INFORMATION HAS BEEN USE TO APPLY FOR CREDIT WITHOUT MY PERMISSION. THESE FRAUDELNT INQURIES HAVE CAUSE MAJOR HARDSHIPS IN MY LIFE AND I DEMAND THESE FRAUDLENTINQUIRIES BE REMOVED FROM MY CONSUMER XXXX REPORT. THESE INQUIRES INCLUDE XXXX XXXX, GRXX/XX/XXXXXX/XX/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 2025-04-28 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:
I am filing a complaint to formally dispute certain information on my credit report XXXX recently reviewed my credit file and noticed inaccurate and/or unverifiable information that I request to be investigated and removed or corrected under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Below is a summary of the items I am disputing : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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 disputed an identity theft on my credit report through Equifax and after providing them with the details and prove that it was an identity theft they still left the negative item on my credit file and its hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: AR

Complaint narrative:
Credit cards were open in my name without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third 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 explanation