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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach. The accounts does not belong to me and I have no knowledge of this account.15 usc 1681b.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am victim of identity theft and the equifax data breach. The accounts does not belong to me and I have no knowledge of this account.15 usc 1681b.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
The judge had to grant a 2 year protection order.

I was stalked and threatened with a XXXX. 
I had to abruptly move and the management company did now support me or aide me at all, because the person was the Resident manager 's relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-04-24 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: SC

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 2025-04-24 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: AL

Complaint narrative:
Complaint Against XXXX XXXX XXXX Misleading Credit Reporting of Total Loss Auto Loan My name is XXXX XXXX. I am submitting this complaint against XXXX XXXX XXXX for misleading, inaccurate, and potentially unlawful credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question involves an auto loan for a vehicle that was deemed a total loss by my insurance company. Insurance paid a portion of the balance ; however, I have not made any payments in over two years, and XXXX XXXX has made no collection efforts aside from a single invoice. 

Despite this, XXXX XXXX continues to report monthly late payments, making the debt appear recent and active, when in reality it is dormant and has not been subject to any recent payment activity. This continued reporting is misleading and possibly amounts to re-aging the debt, which is not permitted under the FCRA. 

When I disputed this account with the credit bureaus and through a prior CFPB complaint, XXXX XXXX validated the debt but refused to address the ongoing inaccurate reporting behavior. They also claimed they were not required to charge off the debt, but they provided no explanation for why they continue to report monthly delinquencies on an inactive account. 

I am requesting that the CFPB investigate this matter and instruct XXXX XXXX to : Correct the tradeline to reflect the true status of the debt ( charged off, closed, or inactive ) ; Cease misleading monthly delinquency reporting ; Ensure they are not unlawfully extending the reporting period by re-aging the debt. 

Their current reporting practice is damaging my credit profile unfairly and inaccurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX * * * * {$310.00} {$310.00} XXXX Original Creditor XXXX STERLING XXXX XXXX * * {$3500.00} - XXXX Original Creditor XXXX XXXX XXXX XXXX * * * * {$2400.00} - XXXX Original Creditor XXXXXXXX XXXX XXXXXXXX * * * * {$1500.00} - INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, XXXX - XX/XX/year> Equifax, XXXX XXXX Unions XX/XX/year> TransUnion, XXXX XXXX Mortgage Companies - Finance XX/XX/year> TransUnion EMPLOYERS NOT RECOGNIZED XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX * * * * {$310.00} {$310.00} XXXX Original Creditor XXXX STERLING XXXX XXXX * * {$3500.00} - XXXX Original Creditor XXXX XXXX XXXX XXXX * * * * {$2400.00} - XXXX Original Creditor XXXXXXXX XXXX XXXXXXXX * * * * {$1500.00} - INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, XXXX - XX/XX/year> Equifax, XXXX XXXX Unions XX/XX/year> TransUnion, XXXX XXXX Mortgage Companies - Finance XX/XX/year> TransUnion EMPLOYERS NOT RECOGNIZED XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-24 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: SC

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

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
monies have taken out of my accounts that i had not a single with and charges service fees and so called XXXX XXXX XXXX compliant fees even when i had the account frozen just from XXXX to XX/XX/XXXX now frozen they took monies out and they even reached in a different account same bank santander and deposited into a frozen account and took the money come to find out the owners on the services was santander bank goes all the way back to XXXX and masked then as bank fees XXXXXXXX XXXX have XXXXis texts and his voice mails and have much much more

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 2025-04-24 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: IN

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 2025-04-24 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: FL

Complaint narrative:
b'After checking my account I noticed multiple fraudent items on my credit report , why are things reporting with out my consent ? Under the fcra 605B I want all these illegal items that were inserted on my report without my permission removed in 4 days or less . Or i will bring this to litigation and sue for damages caused to by your  company XXXXTotal fraudulent amount:\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXXDate fraud began:XXXXDate that I discovered it:\XXXXTotal fraudulent amount:\nXXXX XXXXnCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud began:XXXXDate that I discovered it:XXXXTotal fraudulent amount:\n$ XXXX\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:\nXXXXotal fraudulent amount:\nXXXX XXXX XXXX XXXX IDTheftReport\n_XXXX XXXXCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:XXXXTotal fraudulent amount:\nXXXX 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: 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:
im filing this complaint because of a fraudulent hard credit inquiry that was placed on my credit report by XXXX XXXX XXXX in XXXX, california, and the ongoing lack of accountability and resolution from both the dealership and experian. 

on XX/XX/year>, i purchased a vehicle through the XXXX XXXX XXXX and informed the dealership that i was financing through XXXX XXXX XXXX XXXX. the dealership became visibly frustrated and began pressuring me to finance through them instead. they repeatedly refused to show me the XXXX program pricing after taxes and became evasive when i asked for clarity. 

at XXXX point, they had me sign what they claimed was a form related to verifying my checknot a credit application. afterward, they told me they needed to do a soft credit pull for identity verification because the XXXX XXXX  check wasnt a cashiers check. i later learned this was completely false. they had performed a hard inquiry on my credit without proper disclosure or consent. 

i immediately contacted XXXX XXXX, who confirmed that there was no need for a credit check and that my loan draft was valid. they advised me to dispute the inquiry with experian, which i did by mail on XX/XX/year>. on XX/XX/year>, i spoke to an experian fraud supervisor, who told me only the dealership could contact to remove the inquiry. 

i then called the dealership again on XX/XX/year> and spoke with a XXXX ( lied about his name to avoid accountability ). he contradicted experian and claimed the credit bureaus were the ones responsible for removing the inquiry. he also downplayed the situation, asking me how much my score dropped and stating that a hard inquiry isnt that serious. 

experian has refused to provide anything in writing or email and wouldnt answer several of my questions. i am now caught in a loop between the dealership and the credit bureau, neither of whom is willing to take responsibility for the unauthorized inquiry. this situation has caused me emotional distress and wasted significant time. 

im requesting that the hard inquiry dated XX/XX/year> be removed from my credit report immediately, and that both experian and XXXX XXXX XXXX be held accountable for the misinformation, misrepresentation, and lack of action. i have done everything i can on my end to resolve this, and now i need help.

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 2025-04-24 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus that the addresses listed on my credit report are incorrect, I have provided proof on numerous occasions of my license and proof of address but nothing was done. I ask that an investigation be opened so inaccurate information be removed from my credit report before I purchase my home

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 2025-04-24 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus that the addresses listed on my credit report are incorrect, I have provided proof on numerous occasions of my license and proof of address but nothing was done. I ask that an investigation be opened so inaccurate information be removed from my credit report before I purchase my home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have about {$65000.00} from my uncle 's estate that was recently deposited into my Wells Fargo account via cashier 's check. This was a physical check my executor got from the bank holding the estate and took into a local Wells Fargo branch in XXXX, Oregon. She was told {$400.00} would be made available and the rest would deposit the next day. 

Not only did Wells Fargo put a hold on it and claim the funds were not available ( on a cashier 's check ). They also took back the initial {$400.00} made available which helped cause an overdraft on the account. 

They are refusing to honor the cashier 's check and I suspect they are using the funds for their own use without interest. They say they will attempt it again in 10 business days or on XX/XX/year>. However, there's no guarantee these funds will actually enter the account. They've tried to blame the other bank for blocking the funds and even told us they were told by the other bank to put a hold on it. We checked with the other bank and

they told us Wells Fargo placed the hold for their own reasons. WF is lying about why there is a hold and can not offer any expla
nation or reason to hold my funds. In the meantime, they continue to offer me products and services for overdue fees and debt management as if I couldn't pay them off immediately if they give me the funds I am owed.

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