vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$19000.00} XXXX XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XX/XX/XXXX - {$1300.00}

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for reporting false and misleading information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Equifax is inaccurately reporting a late payment that has no factual or legal basis and is causing unjustified harm to my creditworthiness. 

DETAILS OF THE ISSUE : Equifax is reporting the following account with a false delinquency entry : Creditor Name : XXXX XXXX  ( XXXXXXXX XXXX  ) Account Number : XXXX Reported Late Payment Date : XX/XX/year>2023 This reported late payment is incorrect and lacks proper verification or substantiation. I have disputed this with Equifax, and they have failed to correct or remove the inaccurate information, in clear noncompliance with their obligations under the FCRA. 

VIOLATIONS INVOLVED : 15 U.S.C. 1681e ( b ) : Failure to implement reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation after receiving my dispute.

15 U.S.C. 1666b : Incorrect billing and mischaracterization of a late payment.

Section 623 ( a ) ( 1 ) ( A ) : Continuing to report inaccurate information knowingly or with reckless disregard for accuracy.

Section 607 ( a ) : Violation of my right to privacy and the duty to report truthful and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX .This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Fradulent unknown accounts reflecting on my credit report. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Equifax XXXX Experian 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 fradulent, inaccurate, and false information consist of personal loan opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan opened at XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX personal account opened at the XXXX XXXX XXXX on XX/XX/XXXX account number XXXX loan at XXXX XXXX XXXX account number XXXXTheses accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fradulent items. I do not recognize the aforementioned accounts, collections o hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. All of the aforementinoned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC idenitity Theft Criminal Complaint # XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fradulent unknown accounts reflecting on my credit report. 
XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Equifax XXXX Experian 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 fradulent, inaccurate, and false information consist of personal loan opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan opened at XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX personal account opened at the XXXX XXXX XXXX on XX/XX/XXXX account number XXXX loan at XXXX XXXX XXXX account number XXXXTheses accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fradulent items. I do not recognize the aforementioned accounts, collections o hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. All of the aforementinoned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC idenitity Theft Criminal Complaint # XXXX as proof from the U.S Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for repeatedly and unlawfully refusing to provide me with a copy of my full consumer report, despite multiple formal and verified requests. Additionally, LexisNexis has published inaccurate, incomplete, and outdated information about me to third parties, including housing providers and other decision-makers, which has resulted in denial of housing opportunities and other significant personal and financial harm. 
Violation of Federal Law : Pursuant to 15 U.S.C. 1681g ( a ) of the Fair Credit Reporting Act ( FCRA ) : " Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request Despite this clear statutory obligation, LexisNexis has : - Failed or refused to provide me with my full consumer report within the time required by law ; - Ignored repeated, documented requests submitted with all required proof of identity ; - Continued to publish or provide false and damaging data about me to third parties without proper verification ; - Denied my right to review and dispute the data held in their system. 
Harm Suffered : As a direct result of LexisNexiss misconduct and failure to comply with the FCRA, I have : - Been denied housing, including rejections from landlords based on LexisNexis background and/or credit data ; - Lost access to financial opportunities and suffered reputational harm ; - Been placed under emotional and financial stress due to the inability to correct false information. 
My Intent to Sue : I am hereby notifying the CFPB and LexisNexis of my intent to pursue legal action under the following federal statutes : - FCRA 15 U.S.C. 1681n ( willful noncompliance ) ; - FCRA 15 U.S.C. 1681o ( negligent noncompliance ) ; - FCRA 15 U.S.C. 1681i ( a ) ( failure to reinvestigate and correct inaccuracies ) ; - And any other relevant federal and state consumer protection laws. 
I am currently preparing a formal notice of intent to sue and will seek damages for : - Denial of housing ; - Emotional distress ; - Actual financial losses ; - Statutory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX keeps calling trying to collect a debt for some XXXX XXXX & I have no clue who she is. Shes obviously given them my phone number. Ive explained ad nauseum to this company & they just dont care they have called at least 150 times in the last month & Im over it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/year>, I purchased two products totaling {$2600.00} from a company called XXXX using my Capital One credit card through XXXX. The items were intended for use in my small business. 

When they arrived, both products were defective and did not match the photos or descriptions on the companys website. I contacted the seller, who refused to refund me despite their own return policy clearly stating customers can return items within 14 days if not satisfied. 

I then filed a dispute with XXXX under their Purchase Protection policy, which covers items that arrive significantly not as described. A XXXX representative assured me I would receive a full refund if I returned the items. I packed the items for return, but when I called back to confirm, XXXX reversed their position and denied the refund. 

After this, I called Capital One to dispute the transaction. A representative told me the matter would be investigated. I never received a follow-up, decision, or refund. Ive now been left out {$2600.00} for defective goods I couldnt use. 

Why I'm filing : Capital One failed to follow through on their investigation and never communicated an outcome. This is unacceptable. I want the charge fully refunded. This company scammed me, and both XXXX and Capital One failed to protect me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX XXXX, born in XXXX. I submitted a written dispute to Equifax on XX/XX/XXXX, providing my valid Social Security Number ( SSN ) and documentation to correct inaccuracies in my credit report. 

Equifax has made some corrections : My name is now correctly listed as XXXX XXXX XXXX XXXX. 

My legitimate XXXX XXXXXXXX XXXX credit accounts ending in XXXX and XXXX are accurately reported. 

The XXXX auto loan is correctly associated with my profile. 

I am appropriately listed as an authorized user on my wife 's XXXX credit card. 

However, Equifax 's response indicated that certain accounts ( XXXX XXXX XXXXXXXX ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX XXXX ending in XXXX, and XXXX XXXXXXXX ending in XXXX ) are no longer reporting, which is accurate. Despite this, Equifax added a " Worker ID '' to my file instead of properly associating my credit report with my provided SSN. This action has not resolved the underlying issue of mixed information between my credit file and that of my XXXX brother, who does not possess an SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX. Contacted Chase but CS agents passed my concern back and forth from fraud to dispute back to dispute then back to fraud. I expressed to last CS agent that I was going to complain and was told go ahead. I personally met with Chase rep providing proof of documents. Next, received letter from corporate office requesting if I wanted to keep or close investigation. After unsuccessful communication via three phone numbers, I sent letter requesting to keep investigation open. One month later my Chase letter was returned. XXXX? I was so confused, livid and tired that I had to take a breaktoo stressful.

Company response to consumer: Closed with explanation