vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-14 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-04-14 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: CA

Complaint narrative:
This student loan has been paid off in full. I ask that it be removed from 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 2025-04-14 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: CA

Complaint narrative:
This student loan has been paid off in full. I ask that it be removed from 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 2025-04-14 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: CA

Complaint narrative:
This student loan has been paid off in full. I ask that it be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my checking account XX/XX/scrub>XXXX XXXX XXXX  due to me filling a dispute my account my was compromised dispute amount {$7900.00}. Ive was giving notice they credited my account with the {$7900.00} back but the account is closed Ive called to asked numerous times when will I receive my funds because its been over 14 days they tell me they dont know or not telling me the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
On the XXXX of XXXX it was reported to XXXX that I was late on payment for my XXXX XXXX  account XXXX. I was informed that I was on a special forbearance plan and it would be good to go until XXXX but was not informed about XXXX. The reason for this plan was I was affected by the hiring freeze for a new position and paid expenses for moving and rent and could not pay both. When I spoke to the representative, they informed me I was good to go until XXXX, I immediately paid in full the day after, they did not call to inform me that I would be late, this all could have been handled without affecting my credit. When I called to discuss the issue, they told me there was nothing they could do, this is poor communication on their part. 

This also is a violation of Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-14 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: MO

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
They keep trying to deny my dispute, i purchased software and did not receive what i paid for despite the merchant promising adjustments needed to be made before i could make use of it, and even soliciting my help to do so. I showed them evidence of all of this and of the merchant calling me names and insulting me when i tried to figure this out and them removing the service i didnt want from my account. And kicking me out of the XXXX. I want the worst punishment possible done to these people at Chime for lieing and helping the merchant and for them helpung XXXX  another company they own and chimes management telling me that im lieing when im providing evidence and hanging up the phone on me mid conversation when im trying to explain. They literally hung up on me mid explanation so they can protect their vendor who i have a dispute against that uses another one of their services to process transactions for their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Mr Cooper has my VA mortgage ; they have my cell phone number on record [ when I call it automatically pulls up my loan information ] HOWEVER, they chose to call my EMPLOYER on Saturday and leave a voice mail that I was delinquent on my mortgage and they were a debt collector. 
I am NOT DELINQUENT on my mortgage ; I have not had a 30 day late ; and they did not use the phone number on record [ my cell phone ] to contact me this is harassment from an unscrupulous company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: WI

Complaint narrative:
I received a physical letter claiming to be from a company named Professional Account Management ( PAM ). This letter claims that a total of {$1400.00} is owed to PAM as they are responsible for collecting money from unpaid tolls on XXXX XXXX XXXX XXXXXXXX. However, after checking the Illinois tolls online, I only found {$25.00} of unpaid tolls. Additionally, the physical letter doesn't list an itemized list of the charges or my license plate anywhere. I strongly believe this is a scam, and I am hoping that by sharing this information, the person sending letters like this is held accountable.

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 2025-04-14 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
provided information for identity theft to Equifax to include FTC report identity documents and letter and was signed for on XX/XX/year>. I requested the information be blocked as required by the FCRA XXXX. They responded as it is verified. I then contacted XXXX and they admitted they did not do their due diligence and corrected on their end. I resubmitted my dispute to Equifax with additional documentation and I received a respond because I filed a dispute within 90 day it is considered frivolous. I called and the representative was rude and did not want to listen because I had other disputes that Equifax erroneously added additional trade lines that were not supposed to be on my account. XXXX provided me with the original contract that shows the information they are reporting and what I had and paid off was XXXX different things and it should be deleted.

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 2025-04-14 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$730.00} Account Name : XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8600.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$950.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3500.00} EXPERIAN INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and/or unverifiable information being reported on my credit file. Despite efforts to resolve these matters directly with the credit reporting agencies and/or the data furnishers, the following accounts remain unresolved and are continuing to harm my credit. 

DISPUTED ACCOUNT DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize or acknowledge these accounts as accurate, valid, or legally verifiable. I have submitted prior disputes and requested documentation from both the credit reporting agencies and furnishers. To date, I have not received any legitimate or complete validation. My concerns include the following : No original agreement or signed contract has been provided for any of the listed accounts. I am specifically requesting to see the original signed agreement or application that allegedly binds me to each of these debts. 
The creditors have not provided any documentation showing that I agreed to the terms, opened the accounts, or authorized the debts being reported. 
There has been no documentation proving the legal transfer or assignment of the debts, if applicable. 
The credit reporting agencies are continuing to report these items without verifying their accuracy, which is a violation of 15 U.S.C. 1681i, requiring a reasonable and documented investigation. 
These accounts are being reported without a valid legal basis and are actively causing damage to my credit profile. 

Credit report with disputed accounts highlighted As a consumer, I am exercising my rights under the FCRA and requesting the immediate removal of these accounts unless they can be fully verified with proper documentation including the original signed agreements for each account. If the furnishers or agencies can not provide that documentation, they are not permitted to continue reporting these accounts. 

Please assist in resolving this matter and ensure these accounts are either properly validated or permanently removed from my credit file. If this issue is not resolved in compliance with federal law, I may pursue further action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the Fair Credit Reporting Act. 

Thank you for your time and attention.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXboth times I have been denied a Modest credit request increase of about {$1000.00} additional with my Capital One Quicksilver credit card. The company excuse is my income does not meet eligibility which is False as they do not have full access to my personal income! My credit score is over XXXX and considered very Good! I have NEVER been late on any payments and always pay my balance in FULL! 
If I am to continue being a customer-they can raise my credit limit to reflect my good credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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