vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
PLEASE REMOVE THOSE FRAUDLANT 6 INQUIRIES FROM MY CREDIT REPORT WITHOUT MY AUTHORIZATION. I DID NOT GIVE ANY PERMISSION FOR ANYBODY. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma changed my routing number and my checking account number on my Federal Tax form. They asked if i wanted to direct deposit my money and I said yes, so they created a bank account for me with out my approval. I believe that all bank accounts have to show ID and be signed by account owners. I guess they are above the law. At best this is dissipative business practices at worse this is federal tax fraud. I want the prosecuted!!! 
i never received my return. So i looked at my tax form and noticed that it wasn't my routing and account number so i researched what bank the routing number goes to. I called the bank and they stated that Credit Karma does this. She said they get called all the time about it. I called credit karma and they said i said yes to direct deposit. I had no idea they were creating a bank account in my name. I would have never known that my money was in a different account in a different bank. THEY CHANGED MY FEDERAL TAX FORM!!!!! ILLEGAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: NY

Complaint narrative:
Hi, I sold a XXXX XXXX XXXX XXXX on XXXX in XX/XX/XXXX, the buyer returned the phone and requested a refund. 
The thing is I never received the phone. 
It says it was delivered on the XXXX XXXX XXXX XXXX- while I was away in Florida with my family. In addtion, it was delivered to an address that I don't even live at. 
Regardless, XXXX and XXXX said that I signed the return label ( which is impossible since I wasn't even in NY on that day, and it was delivered to an address that I have no access to ) and now XXXX sent a bill of {$390.00} to a collection company which is rediculous. I called XXXX more than once - at least XXXX times, I gave them all the info, they said they'll open a case... but I never heard back from them, and now they sent it to collections and it's going to affect my credit report. XXXX which is a very large corporatoin is stealing from me - a simple US citizen without the means or power to fights them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a previous dispute submitted regarding inaccurate information on my credit report. The original dispute was submitted on XX/XX/year> and I have yet to receive an accurate resolution. Under the Fair Credit Reporting Act ( FCRA ), your agency is obligated to ensure that all information on my credit report is accurate, complete, and verifiable. 
The following account ( XXXX ) remain in dispute : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I received full loan forgiveness under the Public Service Loan Forgiveness program. XXXX and my credit reports from XXXX XXXX XXXX reflect a {$0.00} balance. However, MOHELA is still reporting a remaining balance to XXXX and on their website. This is inaccurate and misleading. Despite multiple attempts to contact MOHELA, Ive received inconsistent responses, including XXXX suggesting forgiveness is still processingwhich contradicts the official federal record. Im requesting that this false information be corrected immediately to reflect full loan forgiveness and a {$0.00} balance across all bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The sender is requesting XXXX to remove fraudulent accounts and inquiries from their credit report due to identity theft, supported by an FTC Identity Theft Report and related documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Upon reviewing my credit record, I discovered late payments that I believe are questionable. I sent letters over XXXX  days ago requesting validation of these entries, but have received no response, and no satisfactory validation has been provided. This ongoing silence is concerning as these entries continue to impact my credit standing negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deposited check on XX/XX/year> with US bank. Did not receive funds as of XX/XX/year> ( XXXX  ). I was told the funds would be held until XX/XX/year> for unknown reason done by automatic computer systems that flagged check. Check is from XXXX XXXX XXXXXXXX XXXX of XXXX XXXX ( I work for XXXX and deposited over a dozen checks the last year with US bank ). Funds of XXXX being help despite the deposit agreement with US Bank claiming only funds over XXXX would be help for this long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: LA

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 2025-05-09 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: LA

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: NC

Complaint narrative:
I woke up on XX/XX/year> with a bunch of emails from Wisely saying my card was being used in XXXX XXXX XXXX  for XXXX when I live in XXXX XXXX. All my money got siphoned out of my account so I called Wisely right away then they submitted a claim for me. I get an email today XX/XX/year> saying no fraud was detected when I don't have a an XXXX account and know no one in XXXX. So I called again and they said I have to send a written letter all the way to XXXX  but it'll take roughly XXXX XXXX to get my money back when I have bills that need to be paid now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Subject : Urgent Request for Immediate Deletion of Inaccurate Account FCRA Violation Consumer Name : XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reporting Agencies Involved : XXXX and Equifax Dear CFPB Officer, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX  XXXX for reporting inaccurate and harmful information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have identified multiple critical errors and discrepancies across the credit reporting agencies that are damaging my credit profile. Below are the details : 1. Inconsistent reporting across bureaus : This account is not reported to XXXX at all, while both XXXX and Equifax report it as a Charge-Off/Collection. Under FCRA 1681e ( b ), all reported information must be accurate and consistent across all consumer reporting agencies. This is a clear violation.

2. Contradictory last payment dates : XXXX shows the last payment as XX/XX/XXXX, while Equifax shows XX/XX/XXXX. This is materially inaccurate and misrepresents the payment history. 
3. Conflicting dispute status : XXXX states the account dispute is resolved, while Equifax shows the dispute is still under reinvestigation. This contradicts FCRA 623 which mandates clarity and timely resolution of disputes.

4. Credit limit discrepancies : XXXX reports a credit limit of {$2500.00}, while Equifax reports {$0.00}, further affecting my utilization rate and credit scoring. This is a direct violation of accurate reporting requirements under FCRA. 
5. Payment history conflict : Equifax reports several months as OK or current, despite simultaneously marking the account as charged off, which is misleading and damaging.

Pursuant to my rights under the FCRA, specifically Sections 607 ( b ), 611, and 623, I am requesting the immediate removal of this account from my credit reports due to its numerous inaccuracies and failure to comply with federal standards. 

I have attached evidence of the inconsistencies mentioned above. 

Thank you for your prompt attention to this matter. I respectfully request a thorough investigation and full deletion of the account from all credit bureaus to prevent further harm to my financial standing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
My XXXX  keeps getting text messages about me owing a debt which I am unclear of what debt it is. My XXXX  advised them to stop and gave my mailing address but they continue to send texts to him. This has caused a significant amount of anger towards me from my XXXX  because this company keeps advising I owe a debt to a XXXX  who has no connection to such debt

Company response to consumer: Closed with explanation