vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 accounts opened as followed.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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 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 # ( private case number ) as proof from the US 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 2025-04-18 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2021, my ex-wife, without my consent or authorization, accessed my Chase checking account and initiated a wire transfer of {$76000.00}. I reported the unauthorized transaction to Chase immediately. The bank initially froze the transfer and assured me the funds would be returned. Despite repeated confirmations from bank representatives, the funds were ultimately released to her. 

I have documentation of my communication with Chase, as well as a police report ( XXXX XXXX police report number cr # XXXX ), FBI # XXXX. 
My ex-wife was not an authorized user on my account. I believe Chase failed to take proper action to protect my account and resolve a clearly fraudulent transaction. I am seeking help recovering my funds and holding the bank accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: RI

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 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 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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'I am receiving threatening voicemail this is a scam and Im reporting it please dont give them my name XXXX XXXX XXXX XXXX.                   Attention this message is intended for a *This is pertaining to case file number XXXX XXXX Requiring Requiring your signature If you would not be available to sign or any changes, need to be made to the time date or location of service for more details, please contact the firm that is handling your case Contact number is XXXX Be sure to reference your case number Notified Notified thank youXXXXXXXX XXXX XXXX XXXXThis is an important call in regards to a matter you have in our firm please press one to be connected to the issuing firm. We have had several failed attempts to contact at the.*therefore your case has been red flagged and escalated into my department report to the office immediately at XXXX reference case number thank you and consider yourself notified\nThis is false. I have no cases against me. These people know my personal private information. Its scary.   \nThey called same day in XXXX  to my ex husband also and left same voicemail concerning 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX allowed this account to be reported to the credit bureaus since reporting to XXXX at Branch # XXXX, XXXX GA on XX/XX/XXXX, XXXX XXXX being the advisor at the location. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX to rectify and identity theft issue that was to include a settlement for the violations : FCRA Violation 15 U.S.C. 1681s-2 ( a ) & ( b ) 2. Furnishers of information ( like XXXX ) are required to correct and update inaccurate information once they become aware of it. -- -- If XXXX confirmed the account was fraudulent and still allowed it to remain on your credit report, that may violate 1681s-2 ( b ) their duty to investigate and correct after a consumer dispute is filed through a credit bureau.Willful or Negligent Noncompliance 15 U.S.C. 1681n & 1681o======XXXX willfully failed to correct the fraudulent account after confirming my, XXXX XXXX XXXX XXXX XXXX was stolen, I officially have grounds for statutory damages, actual damages, and possibly punitive damages under 1681n -- the failure was negligent, 1681o allows for recovery of actual damages and attorneys fees. 
THIS ACCOUNT WAS OPENED AND MAINTAINED BY XXXX. This had an affect on my credit rating for years since you reported a 30 day late payment. stemming from XXXX and continued until XXXX. 
XXXX was abrasive with her efforts of trying to take advantage of someone who isn't aware of how alot of things work. I spoke with XXXX three times alongside a friend who was advising me of how to handle this. I'm now free willed to handle this situation alone. 
XXXX opened an account in XXXX fraudulently and they admitted to doing as such in XX/XX/XXXX and via letter XX/XX/XXXX. I've attached photos that show I contacted USPS because whoever stole my identity changed my address on multiple REAL, ACTIVE accounts that I had. I'm offended that XXXX would try to manipulate me into thinking that what I was doing was wrong and I hadn't tried to solve the issue. I don't keep up with my credit report as much as I should so this account was able to go under the radar. XXXX reported a late payment on this account which affected my efforts for future credit worthiness. I recently purchased a car where I noticed this account was still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX allowed this account to be reported to the credit bureaus since reporting to XXXX at Branch # XXXX, XXXX GA on XX/XX/XXXX, XXXX XXXX being the advisor at the location. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to rectify and identity theft issue that was to include a settlement for the violations : FCRA Violation 15 U.S.C. 1681s-2 ( a ) & ( b ) XXXX. Furnishers of information ( like XXXX ) are required to correct and update inaccurate information once they become aware of it. -- -- If XXXX confirmed the account was fraudulent and still allowed it to remain on your credit report, that may violate 1681s-2 ( b ) their duty to investigate and correct after a consumer dispute is filed through a credit bureau.Willful or Negligent Noncompliance 15 U.S.C. 1681n & 1681o======XXXX willfully failed to correct the fraudulent account after confirming my, XXXX XXXX XXXX XXXX identity was stolen, I officially have grounds for statutory damages, actual damages, and possibly punitive damages under 1681n -- the failure was negligent, 1681o allows for recovery of actual damages and attorneys fees. 
THIS ACCOUNT WAS OPENED AND MAINTAINED BY XXXX. This had an affect on my credit rating for years since you reported a 30 day late payment. stemming from XXXX and continued until XXXX. 
XXXX was abrasive with her efforts of trying to take advantage of someone who isn't aware of how alot of things work. I spoke with XXXX three times alongside a friend who was advising me of how to handle this. I'm now free willed to handle this situation alone. 
XXXX opened an account in XXXX fraudulently and they admitted to doing as such in XX/XX/XXXX and via letter XX/XX/XXXX. I've attached photos that show I contacted USPS because whoever stole my identity changed my address on multiple REAL, ACTIVE accounts that I had. I'm offended that XXXX would try to manipulate me into thinking that what I was doing was wrong and I hadn't tried to solve the issue. I don't keep up with my credit report as much as I should so this account was able to go under the radar. XXXX reported a late payment on this account which affected my efforts for future credit worthiness. I recently purchased a car where I noticed this account was still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX allowed this account to be reported to the credit bureaus since reporting to XXXX at Branch # XXXX, XXXX GA on XX/XX/XXXX, XXXX XXXX being the advisor at the location. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX failed to rectify and identity theft issue that was to include a settlement for the violations : FCRA Violation 15 U.S.C. 1681s-2 ( a ) & ( b ) XXXX. Furnishers of information ( like XXXX ) are required to correct and update inaccurate information once they become aware of it. -- -- If XXXX confirmed the account was fraudulent and still allowed it to remain on your credit report, that may violate 1681s-2 ( b ) their duty to investigate and correct after a consumer dispute is filed through a credit bureau.Willful or Negligent Noncompliance 15 U.S.C. 1681n & 1681o======XXXX willfully failed to correct the fraudulent account after confirming my, XXXX XXXX XXXX XXXX identity was stolen, I officially have grounds for statutory damages, actual damages, and possibly punitive damages under 1681n -- the failure was negligent, 1681o allows for recovery of actual damages and attorneys fees. 
THIS ACCOUNT WAS OPENED AND MAINTAINED BY XXXX. This had an affect on my credit rating for years since you reported a 30 day late payment. stemming from XXXX and continued until XXXX. 
XXXX XXXX abrasive with her efforts of trying to take advantage of someone who isn't aware of how alot of things work. I spoke with XXXX three times alongside a friend who was advising me of how to handle this. I'm now free willed to handle this situation alone. 
XXXX opened an account in XXXX fraudulently and they admitted to doing as such in XX/XX/XXXX and via letter XX/XX/XXXX. I've attached photos that show I contacted USPS because whoever stole my identity changed my address on multiple REAL, ACTIVE accounts that I had. I'm offended that XXXX would try to manipulate me into thinking that what I was doing was wrong and I hadn't tried to solve the issue. I don't keep up with my credit report as much as I should so this account was able to go under the radar. XXXX reported a late payment on this account which affected my efforts for future credit worthiness. I recently purchased a car where I noticed this account was still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
I have attempted online and by phone to remove all inaccurate outdated and or incomplete information listed as my personal information on my consumer report It's so difficult and extremely frustrating. I am certain that this process should be simple for consumers to update personal information. Personal Information should be more limited because it's easier to steal someone's identity if their entire life story is accessible...

Especially since all recent data breaches are done by accessing information from data furnishers and " consumer credit bureaus ''. I would only like my current, accurate and complete address, phone and employers listed, no outdated incorrect information.

I've found dozens of phone numbers that actually were never mine or extremely old, beyond XXXX  years. The same for old addresses from different states. I can only inhabit one home at a time and I only have access to one phone number. Please remove all outdated, incorrect and incomplete information.

According to the FCRA, this is an extremely reasonable request. Thank you!

U.S. Code 15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have attempted online and by phone to remove all inaccurate outdated and or incomplete information listed as my personal information on my consumer report It's so difficult and extremely frustrating. I am certain that this process should be simple for consumers to update personal information. Personal Information should be more limited because it's easier to steal someone's identity if their entire life story is accessible...

Especially since all recent data breaches are done by accessing information from data furnishers and " consumer credit bureaus ''. I would only like my current, accurate and complete address, phone and employers listed, no outdated incorrect information.

I've found dozens of phone numbers that actually were never mine or extremely old, beyond XXXX  years. The same for old addresses from different states. I can only inhabit one home at a time and I only have access to one phone number. Please remove all outdated, incorrect and incomplete information.

According to the FCRA, this is an extremely reasonable request. Thank you!

U.S. Code 15 U.S.C. 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: David Fogel P.C.
State: OH

Complaint narrative:
We were considered defaulted by a XXXX XXXX XXXX XXXX ( XXXX ). This agency filed a lawsuit against us in XXXX XXXX XXXX NY. Within 1 week they issued letters to random/various insurance carriers and others to have all receivables re-routed to them. I hired an attorney and filed a timely answer to the courts. No other court action took place. The process took 7 months before they would negotiate a settlement agreement in XX/XX/year>. They collected over XXXX in our receivables during that time. After the agreement they continue to collect on the debt from our insurance carriers. I questioned them and they denied although I provided proof. They stated it was our problem and not theirs. I also requested a complete list of mailings of the original lien enforcement as well as the lien releases with dates. They gave an incomplete list without dates. The partial list provided shown they mailed the debt and its dollar amount to the local news papers, the local school and various other non-related business associates of ours, community leaders and licensing authorities. When questioned on why they have not provided any further communications.

Company response to consumer: Closed with explanation