vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX BALANCED {$2300.00} XXXX XXXX & A ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1300.00} XXXX XXXXXXXX BALANCED {$7600.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX BALANCED {$650.00} XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 LASTRADAMO - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased an item from XXXX using my Apple Card ( issued by Goldman Sachs ) and returned it promptly. XXXX confirmed that they processed my refund on XX/XX/year>, but my bank has never received the refund. 

Since XXXX was taking too long to process the refund, I disputed the charge on XX/XX/year>. However, Apple Card denied my dispute despite evidence from XXXX confirming that the refund was processed. 

I reopened the dispute, but Apple Card still claims they never received any refund from XXXX. XXXX insists that they processed the refund through the chargeback process, but my bank provides no evidence of receiving it. 

Despite multiple attempts to resolve this, I am stuck in a loop where XXXX claims to have refunded me, and Apple Card claims they never received it. As a result, I am out {$150.00}, and neither party is taking responsibility. 

I have exhausted all options with XXXX XXXX customer support and dispute team. This issue has been ongoing for several months, and I am seeking CFPB intervention to ensure I receive my rightful refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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 recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history. 
Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history. 
Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office.

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 2025-03-25 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: CA

Complaint narrative:
The XXXX account # XXXX continues to appear on my Experian credit report despite multiple disputes. Experian failed to provide the verification procedure as required under 1681i ( a ) ( 7 ). The information reported is inconsistent with other CRAs and has not been properly validated. The account status is listed as closed and charged-off without supporting documentation or verified contract. 

Additionally, the account has been assigned to two collection agencies simultaneously. I submitted an FTC Identity Theft Report ( No. XXXX ) as allowed under 1681c-2 ( a ), which should have triggered the blocking and removal process. Experian has not complied with this obligation.

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 2025-03-25 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: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

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 2025-03-25 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: NY

Complaint narrative:
I demand the prompt removal of these unauthorized inquiries from my credit report, as they are hindering my ability to secure loans and obtain credit. Additionally, I would appreciate confirmation or supporting documentation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXX XXXX XXXX {$4500.00} XX/XX/year> Inquiries XXXX XX/XX/year> Data breach happened, per 15 USC 1681c2 please block and delete these items within 4 business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: DE

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 2025-03-25 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: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX ) ( Open XXXX XXXX ( COLLECTION )

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 2025-03-25 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: Capital Accounts, LLC
State: NY

Complaint narrative:
Subject : Request for Debt Validation Under FCRA Section 609 Account # XXXX XXXXXXXX Account number XXXX To Whom It May Concern, I am submitting this complaint to request assistance in validating an account on my credit report, as I believe the information reported for account # may be inaccurate and includes identity thief. This transactions that were taking on my account during the Covid pandemic crisis XXXX were not me. I am a victim of cybercrime. XXXX XXXX XXXX and multiple companies has sent me a letter to my home that my identity was part of a big breach in one of there educational programs, a company called totally promotional had a breach in their data and a few others breach over the years as i recall. I have received mail from companies i did not sign up for any services. I have contacted the FTC identity thief commission I am asking that this report be removed from my report for the amount of XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 609, I am entitled to obtain specific documentation to substantiate this information.

Specifically, I am requesting : 1. Copies of all documents used to open this account, especially any that bear my signature and any photo identification used for identity verification. 

2. A complete payment history for this account, including dates and amounts, so I can verify the reported activity.

I believe this information is essential to confirm the accuracy of my credit report. Please provide the requested documentation as promptly as possible, as guaranteed by my rights under the FCRA. 

Thank you for your assistance, and I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-25 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Key 2 Recovery , Inc., a debt collection agency currently reporting a collection account to the credit bureaus for a XXXX XXXX  ( now known as the XXXX XXXX XXXX XXXXXXXX ) debt. 

This debt is well over XXXX years old, and therefore should no longer appear on my credit report according to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite this, Key 2 Recovery and associated agencies have continued to re-age and resell this debt, keeping it active on my credit file and causing ongoing financial harm. 

I have reached out to Key XXXX Recovery by phone and explained that I was unaware of the debt at the time it was incurred, and due to financial hardship during the XXXX pandemic, I was unable to resolve it sooner. However, I have since attempted to resolve the matter through proper channels and have made multiple requests for the debt to be removed from my credit report. 

Unfortunately, those requests have been ignored, and the debt remains on my report inaccurately dated and actively damaging my credit. This debt has now passed the statute of limitations for credit reporting, and I am requesting that it be immediately and permanently removed from all three credit bureaus.

My Requests to the CFPB : Conduct a formal investigation into Key 2 Recoverys handling and reporting of this debt. 
Determine whether re-aging has occurred and ensure that all reporting complies with FCRA rules. 
Enforce the removal of the debt if it has been on my report longer than XXXX years from the date of first delinquency. 
Hold Key 2 Recovery and its partners accountable for harmful and potentially illegal credit reporting practices. 

This continued reporting has affected my ability to secure credit and housing, and I am now seeking immediate resolution and deletion of this account. I appreciate your assistance in ensuring fair and lawful credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute the accuracy of the information reported on my credit report regarding the XXXXXXXX XXXX XXXX XXXXXXXX account. I have previously contacted Experian to request verification of this account, yet I have not received the verification method used to substantiate the information you have provided. Reference a dispute that was updated and closed on XX/XX/XXXX by Experian. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information in their credit reports and to receive a thorough investigation and validation of such information. The case of **Baldwin v. Trans Union , LLC** ( 2007 ) underscores this requirement, as the court ruled that credit reporting agencies must provide adequate verification when requested. Experian failed to provide me with the requested verification method constitutes a violation of my rights under the FCRA.

Additionally, I would like to draw your attention to the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which highlighted Experian 's illegal verification practices. As a victim of these practices, I have suffered undue stress and anxiety due to the inaccuracies in my credit report and your agency 's failure to address them appropriately. 

Given these circumstances, I am formally requesting the following : 1. A detailed explanation of the verification method used for the XXXX XXXX Bank XXXX account. 
2. Correction of any inaccuracies on my credit report related to this account.

3. An immediate deletion of this inaccurate account on my credit report.

Please be advised that, due to the emotional distress and damage to my creditworthiness caused by these violations, I am considering pursuing punitive damages. I expect a prompt response to this dispute within the timeframe mandated by the FCRA.

Thank you for your immediate attention to this matter. I look forward to your timely reply.

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