vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
This is now the third time I am submitting a dispute regarding an account on my credit report that I strongly believe remains inaccurate and incomplete. Despite my previous submissions, the incorrect information is still being reported, and it appears that no proper or thorough review has been conducted. 

This ongoing situation has caused significant stress and is seriously affecting my well-being and daily life. I am feeling extremely discouraged and exhausted by the lack of resolution. 

I want to make it very clear that I am personally submitting this dispute ; no one is acting on my behalf. I am respectfully requesting that a full and fair investigation be completed. 

I would greatly appreciate your urgent attention to this matter. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balance {$2800.00} DATE OPEN : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$840.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX OPEN : XXXX XXXXXXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXXXXXX XXXX XXXX bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 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: MD

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: OH

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 2025-04-29 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:
Subject : Request for Immediate Removal of All of the Following Items from XXXX Credit Report XXXX XXXX XXXX XXXX Address XXXX  XXXX XXXX XXXX, VA XXXX Phone Number XXXX XXXX XXXX XXXX, L Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, NJ XXXX Phone Number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone Number XXXX XXXX XXXX XXXX Address C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Number XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Number XXXX Dear Credit Bureaus ; Experian, XXXX  and XXXX  I XXXX writing XXXX formally request the immediate removal of all items from my credit report. As a consumer, I am entitled XXXX an accurate XXXX fair representation of my credit history, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Upon review of my credit report, I have identified multiple inaccuracies XXXX discrepancies that violate my rights under the FCRA XXXX  other relevant laws. Specifically, I am invoking my rights under the following provisions : XXXX. Identity Theft XXXX Fraudulent Activity ( XXXX XXXX. XXXX ) There are several items on my credit report that I believe are the result of identity theft. I am enclosing a copy of the Federal Trade Commission ( FTC ) Identity Theft Report to substantiate my claim. Under XXXX XXXX of the FCRA, credit bureaus are required XXXX  block the reporting of information that is the result of identity theft within XXXX business days of receipt of proof of identity theft. 

According XXXX  [ relevant law or regulation ], a valid contract requires a handwritten signature XXXX  verify the identity XXXX intent of the signatory. A computer-generated signature can be easily created by anyone XXXX does not provide sufficient proof that I authorized the opening of this account. 

XXXX resolve this matter, I request that you provide all necessary documentation that includes my handwritten signature. This includes, but is not limited to : XXXX. The original application form with my handwritten signature. 
XXXX. Any agreements or contracts signed by me in ink. 
XXXX. Any other documents that verify my authorization for this account. 

Please consider this letter as my formal request under the Fair Credit Reporting Act ( FCRA ) XXXX any other applicable laws. I expect a prompt response from the date of this letter. 

If you are unable XXXX provide the requested documentation, I request that you close this account immediately XXXX remove any related negative information from my credit report. 

Thank you for your prompt attention XXXX this matter.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Immediate Removal of All of the Following Items from XXXX Credit Report XXXX XXXX XXXX XXXX Address P.O. XXXX XXXX XXXX, VA XXXX Phone Number XXXX XXXX XXXX XXXX, L Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Phone Number XXXX XXXX SYSTEMS Address XXXX XXXX XXXX XXXX, DE XXXX Phone Number XXXX XXXX XXXX XXXX Address C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Number XXXX CXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Number XXXX Dear Credit Bureaus ; XXXX XXXX  and Equifax I XXXX writing XXXX formally request the immediate removal of all items from my credit report. As a consumer, I am entitled XXXX an accurate and fair representation of my credit history, as mandated by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Upon review of my credit report, I have identified multiple inaccuracies and discrepancies that violate my rights under the FCRA and other relevant laws. Specifically, I am invoking my rights under the following provisions : XXXX. Identity Theft and Fraudulent Activity ( XXXX XXXX. XXXX ) There are several items on my credit report that I believe are the result of identity theft. I am enclosing a copy of the Federal Trade Commission ( FTC ) Identity Theft Report XXXX substantiate my claim. Under XXXX XXXX of the FCRA, credit bureaus are required XXXX  block the reporting of information that is the result of identity theft within XXXX business days of receipt of proof of identity theft. 

According to [ relevant law or regulation ], a valid contract requires a handwritten signature to verify the identity and intent of the signatory. A computer-generated signature can be easily created by anyone and does not provide sufficient proof that I authorized the opening of this account. 

To resolve this matter, I request that you provide all necessary documentation that includes my handwritten signature. This includes, but is not limited to : XXXX. The original application form with my handwritten signature. 
XXXX. Any agreements or contracts signed by me in ink. 
XXXX. Any other documents that verify my authorization for this account. 

Please consider this letter as my formal request under the Fair Credit Reporting Act ( FCRA ) and any other applicable laws. I expect a prompt response from the date of this letter. 

If you are unable to provide the requested documentation, I request that you close this account immediately and remove any related negative information from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I purchased a couch from XXXX on XX/XX/XXXX, but I received a different one from what was advertised. After a prolonged struggle with XXXX, my complaint was eventually acknowledged. Surprisingly, I was informed that I would have to bear the shipping expenses, despite their website indicating free returns. Seeking assistance from Chime, I shared all my correspondences with XXXX, but regrettably, they did not offer support. XXXX ' resolution involved a partial refund of {$86.00}, a fraction of the {$850.00} I originally paid. This acknowledgment of their error underscore the need for Chime to have scrutinized my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Urgent Notification - Challenge of Unapproved Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXX  * * * * Account Number : XXXX * * * * Outrageous Price : {$2000.00} * * * * Date of Account : XX/XX/year> * *

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 ONE 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive noticed inquiries on my credit report that I dont recognize in a result if identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-29 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: GA

Complaint narrative:
I am submitting a formal complaint because the credit reporting agency failed to properly investigate and remove accounts related to identity theft from my credit file. I submitted a valid FTC Identity Theft Report, supporting documentation, and disputes identifying multiple fraudulent accounts. Despite this, the agency continues to report inaccurate, fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, some previously removed items are still being reported by third parties. 
I submitted an FTC Identity Theft Report detailing multiple fraudulent accounts that have been incorrectly reported under my name. 
Here are a few that is listed on the identity theft report : XXXX XXXXXXXX {$830.00} ( Portfolio Recovery ) account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Amount {$640.00} XXXX Also, The Account XXXX XXXX XXXX  ( XXXX XXXX XXXX Amount {$1600.00} ) has been found to be dismissed in court with prejudice and found not to be mine and should be removed off my account. 

The documents is below. The remaining accounts are listed in the FTC Identity Theft Report, which is attached to this complaint. Despite my prior disputes, the credit bureaus and/or collectors have failed to remove these inaccurate items. I am requesting immediate deletion of all accounts identified in my identity theft filing, correction of my credit file to reflect accurate information, and an updated investigation in full compliance with the FCRA. I am also requesting that all outdated addresses and unauthorized inquiries tied to the fraud be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
The following accounts are not mine and were not authorized : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
The following accounts are not mine and were not authorized : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-04-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Was such as XXXX XXXX XXXX and XXXX XXXX XXXX they all said Ive been paying the monthly to help me clean up my credit to clear up my credit and dispute things and nothing has happened but yet theyre still taking payments out of my checking account every month and I get no reports no nothing from them but yet every month theres money coming out of my account for these companies I think its fraudulent activity.

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