vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: VT

Complaint narrative:
I have been working to repair credit report and noticed a collection account from XXXX XXXX XXXX and it said XXXX XXXX XXXX XXXX. Its a violation of HIPPA to share my personal medical information with a collections servicer. They refused to remove account.

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 2025-04-08 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ACCOUNT NUMBERXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-08 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Iam a small business who have a account with chase business chase have been making me loose XXXX $ in income due to this type of inconvenience on Tuesday XXXX XXXX did a purchase for XXXX $ for 3 pieces of XXXX  i sell each pice in about {$500.00} i do XXXX XXXX.. my due date for the project was Thursday iorder my material from XXXX and I was low in founds so my transaction didn't went through i immediately got my car wasted gas in going to the atm drive through and deposited the right amount, did the purchase again, money gone from my account. And I seat and wait for my product we'll on Wednesday i waited all day nothing around XXXX I got worried and call XXXX they said my bank never issue the payment so I called my back and they said it was pending transaction..well I called back next day and they said they will raise my call to a supervisor. The supervisor said the system haven't authorized the payment so it was better to cancel and get my money back 1 more business day.and re order my item is was frustrated but I agree to what he said. Well next day I checked and nothing no item no money and no hope to get the costumer back because he didn't agree with my delivery time I lost a costumer it's been almost 5 days and still pending for a business come on this is ridiculous and frustrating i haven't get no work for weeks and when I finally get the costumer chase force me to lose it please help no body it's paying me overdraft fees right like they do to everyone I feel upset and frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ) for reporting false and damaging credit information to Experian and XXXX during a federally declared disaster. In XX/XX/year>, I notified XXXX that I was affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They acknowledged this and placed my XXXX loan account into disaster-related deferment. 

My payment was not due until XX/XX/year>, and I have never made a late payment on this account. Despite this, XXXX reported a XXXX late payment for XX/XX/year> to Experian and XXXX. This is factually false, as I was in deferment before the due date and the account was in good standing. 

This violates the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) and ( b ) ), which prohibits furnishing false information and failing to correct errors after a dispute. According to XXXX XXXX XXXX and the XXXX XXXX model, when an account is in deferment due to a disaster and was current before deferment, it must not be reported as delinquent. 

The credit bureaus are also showing system comment errors, including repeated Invalid date entries, which further reflect mishandling of the disaster notation and data submission by 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 2025-04-08 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: TX

Complaint narrative:
SEE ATTACHMENT. The dispute concerns inaccurate information on my credit report. I have also included a Method of Verification ( MOV ) request and a Notice of Default and Demand for Correction. This filing is to document my efforts and ensure accountability in case they fail to comply with its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and XXXX  Business & Commerce Code Chapter 20

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 2025-04-08 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-08 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: 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, 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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Equifax Information Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Subject XXXX Dispute Reinserted Accounts in violation of 15 USC 1681i ( 2 ) a Accounts : XXXX  XXXX XXXX  XXXX I am writing in regards to accounts placed on my credit profile that I have no knowledge of nor have I given any written consent for them to be furnished. The accounts listed above were investigated, deemed unverifiable and removed from my credit report. I checked my credit report and noticed these accounts have been placed back on my credit profile. By doing so, your company has violated my consumer rights. Your company has the responsibility of reporting maximum accuracy to my credit report and following protocol. Under FCRA, these accounts can not be reinserted into my consumer profile without written notice within 5 business days, which is now in violation of 15 USC 1681i ( 2 ) A. Not only was I never notified but your company has violated multiple of my consumer rights under the FCRA. 

Reporting accounts that I have not given any written permission is in violation of 15 USC 1681 Furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 Failing to report maximum accuracy to consumer profile is in violation of 15 USC 1681 ( E ) B Please note that your company has failed to complete your due diligence by furnishing accounts without complete verification and reporting inaccurate information more than once. Your company has a legal obligation to the protection and privacy of my legal information. Please delete the accounts immediately. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LDF Holdings, LLC
State: FL

Complaint narrative:
I requested my credit report to be frozen and a copy of my report back in XX/XX/year>. I also provided a copy of my Driver 's License and Social Security number. I get two letters back one stating my credit report is frozen and the other one with mt credit report of information that they had was reporting from the company. I sent in a dispute letter about the incorrect information on the correct report. I get a letter back stating that the information is mines after i sent them my Driver 's License and Social Security number and the information does not match of what they are reporting on me. I also tried to reach them by phone to discuss this matter with them to get it handle and they inform me that they will not be removing any information that it shows proof that it is mines and belong to me. I am will also be seeking a lawyer to help with this information to be removed, because they are reporting incorrect information after being provided with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX BALANCED {$4900.00} XXXX XXXX BALANCED {$150.00} XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$930.00} XXXX XXXX BALANCED {$2300.00} XXXX XXXX BALANCED {$3100.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX XXXX BALANCED XXXX These accounts has resulted in several appearing on my consumer FICO 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: 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, 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 explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
XXXX XXXX discovered fraudulent charges made on my account from overseas After this discovery I called to challenge the charges but was told I had to pay amount. XXXX XXXX closed my card, applied interest charges to a fraudulent charges, then later charged off my account. I had this account in perfect pay history for over XXXX  years. This has resulted in a significant drop in my credit score causing a hardship to the point that I am ready to pursue legal action against them. PLEASE ASSIST XXXX XXXX CAN NOT BE ALLOWED TO KEEP FRAUDULENT CHARGES ON ACCOUNT AFTER THEY DISCOVERED IT AND REQUIRE ME TO PAY THESE CHARGES. Furthermore capital one allowed these people to PUSH this amount onto my card which was doubled of what my original credit limit was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
XXXX XXXX discovered fraudulent charges made on my account from overseas After this discovery I called to challenge the charges but was told I had to pay amount. XXXX XXXX closed my card, applied interest charges to a fraudulent charges, then later charged off my account. I had this account in perfect pay history for over XXXX  years. This has resulted in a significant drop in my credit score causing a hardship to the point that I am ready to pursue legal action against them. PLEASE ASSIST XXXX XXXX CAN NOT BE ALLOWED TO KEEP FRAUDULENT CHARGES ON ACCOUNT AFTER THEY DISCOVERED IT AND REQUIRE ME TO PAY THESE CHARGES. Furthermore XXXX XXXX  allowed these people to PUSH this amount onto my card which was doubled of what my original credit limit was.

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