vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: NH

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
XXXX XXXX, XXXX : XXXX, 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 Inquiries XXXX XXXX XXXX XXXXXXXX  Date filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Date filed on XX/XX/XXXX, XXXX XXXX XXXX XXXX Date filed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date filed on XX/XX/XXXXXXXX XXXX XXXXXXXX Date filed on XX/XX/XXXX. These Inquiries have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned Inquiries as reported. The aforementioned inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 US Federal Trade Commission that all of the aforementioned consumer 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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC, XXXX Subject : Formal Dispute and Debt Validation Request : Dear Resurgent Receivables, I am reaching out to dispute the validity of the debt reported by your agency and to request immediate validation of the debt, along with the correction of any inaccuracies in credit reports sent to the credit bureaus. 
Account Information : Creditor 's Name : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Last Activity : [ XX/XX/XXXXXXXX XXXX Amount in Dispute : [ {$810.00} ] Having recently reviewed my credit report, I came across an account allegedly under your collection. After meticulous examination, I have grounds to believe that inaccuracies exist in the debt reporting. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to debt validation. kindly request your agency provide me with the following details : Verification of the claimed debt amount, with a detailed breakdown of interest, fees, and charges. 
Copies of documents proving my liability for this debt, such as the signed agreement or contract with the original creditor. 
Confirmation of your agency 's legal authority to collect this debt on behalf of the original creditor. 
I also request a halt to all collection activities, inclusive of any reporting to credit bureaus, until the requested debt validation is furnished. 
Please acknowledge that the erroneous reporting of this debt is adversely impacting my creditworthiness and causing significant harm. In line with the FCRA, I dispute the accuracy of this debt and urge you to rectify any misleading information reported to the credit bureaus. 
I anticipate your agency to thoroughly investigate the disputed debt and furnish the requested validation within 30 days of receiving this letter. Failure to validate the debt or correct the inaccurate reporting within the specified timeline will prompt me to exercise my rights under the FDCPA and FCRA, pursuing all legal remedies available to safeguard my interests Kindly communicate with me via written correspondence and send all related documents by certified mail with return receipt requested to maintain a documented record of our interactions. 
Your immediate attention to this matter is appreciated. I await a prompt resolution and the restoration of accurate credit reporting. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
This loan was taken out in XXXX or XX/XX/XXXX in the form of a joint loan with my x husband I left him in XX/XX/XXXX and was not aware of this loan until XX/XX/XXXX which I did go and get a police report done for this, I did not authorize XXXX XXXX to take out a loan in my name and was never on a call with XXXX XXXX he was stalking and harassing me during those times and showing up to my job and police reports where filled because of this I was nowhere around him

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received mailer that said Switch to Chase and get up to {$900.00}. 
XX/XX/year> I opened a checking and XXXX account. 
- I deposited {$15000.00} into the Savings account as required for a {$200.00} bonus - I deposited {$1500.00} into the checking account and the banker set up a direct deposit from my Social Security Account which was required to get a {$300.00} bonus - These were the requirements to recieve an additional {$400.00} bonus that all totaled {$900.00} bonus I was told the direct deposit could take a couple of months to process. The flyer said I had 90 days for the direct deposit to go through to get the bonus XX/XX/year> I called Social Security and they said that they do not have a direct deposit request from Chase Bank but I could set it up but it wouldnt be active until XXXX, which is past the XXXX  days that was required for the bonus. 

XX/XX/year> I went to the bank and the banker told me that because the direct deposit did not go through that I would only be getting the {$200.00} savings account bonus. He said that the Government XXXX XXXX XXXX paper I had did not mean much. I have to say I was furious and felt like I had been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
on XXXX/2025, I created a dispute with TRans Union for Credit Acceptance! The balance owed is wrong on my credit report. I uploaded the receipt with the correct balance provided to me via XXXX XXXX  website! Trans Union issued the updated report with no change on XXXX/2025. I received it on XXXX/2025. Trans union could care less about what is true or fiction!

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 2025-04-25 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: AZ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 



Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX FIN Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX HOME FURNISH Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : SECURITY FINANCE # XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. These inquiries are unknown, inaccurate, and unauthorized which is negatively affecting my credit reports. I would like these items immediately removed. My credit was ran by multiple auto dealerships unbeknownst to me, which these unverified items need to be removed.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Date was XX/XX/ reported to money lion funds was remove from account j myself did not remove an transfer to a linked account totaling {$1100.00} after account was hacked bank refusing to refund my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Make sure an American over sees this acomplaint ONLY please. Due to the severity I want to be sure nothing is lost in translation again. 
It's been over 45 days .. even CFPB sent this creditor into a complaint with AG and fraud see complaint XXXX. You guys let them " update '' my account still incorrectly even without removing it even though they even said IT WAS CLOSED DUE TO BEING UNVERIFIABLE I sent all proof and forms and you didn't do your job. Secondly XXXX keeps " updating '' an account illegally and incorrectly for over 6 MONTHS one big red flag it says chatged off and paid but has a balnce how???. I will file a lawsuit with you and both creditors see attached. Also notarized XXXX was sent via certified mail XX/XX/year>. If these accounts still appear on your report I demand removal it's is my right under FCRA AND CONSUMER LAW. I need a car to work and you guys are making me get denied left to right for 0 reason but incompetence

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 2025-04-25 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/year> account is showing late payment Credit Card account opened at XXXX on XX/XX/year> account is showing late payment Credit Card account opened at XXXX on XX/XX/year> account is showing late payment which is being inconsistently reported among the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed several inquiries that I did not initiate. After looking into it further, I can confirm that these inquiries are the result of unauthorized and fraudulent use of my personal information. I had no knowledge of these inquiries, did not authorize them, and have never had any dealings with the companies listed. This is a clear case of 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 explanation
Consumer complaint received 2025-04-25 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:
I believe one of my XXXX  used my info to open up these accounts, I would really like to get these removed from my credit because they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief