vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained XXXX of my character, just to name a couple XXXX should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX 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 XXXX inquiries are the result of identity theft and fraud.

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 2025-05-28 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: NJ

Complaint narrative:
My name is XXXX XXXX, I am filing this complaint because XXXX XXXX XXXX  ( XXXX XXXX ) continues to report a mortgage on my credit that I was formally released from in XXXX  through a Loan Modification Agreement signed by borrower XXXX XXXX as part of our XXXX proceedings. This loan, associated with : XXXX XXXX XXXX XXXX  XXXX, NJ XXXX, Loan Number : XXXX, was legally modified to remove me from liability, which was notarized and executed on XX/XX/year>. The XXXX XXXX XXXX is attached as supporting evidence. 

Despite my complete removal from this mortgage obligation, the account continues to appear on my credit report. Whats more XXXX  it is now reporting as XXXX, which is causing severe and unjust XXXX to my XXXX XXXX and creditworthiness. This inaccurate reporting is : XXXX my XXXX XXXX significantly, Affecting my ability to qualify for new credit, refinance, or rent, And hurting my standing with other creditors due to the appearance of an active, XXXX mortgage. 

I have submitted multiple disputes to XXXX XXXX XXXX credit bureauXXXX XXXX XXXX ExperianXXXX XXXX XXXXXXXX  ), providing documentation of the XXXX XXXX XXXX. Still, the account remains, and the XXXX XXXX  have only worsened. 

I also attempted to contact XXXXXXXX XXXX XXXXXXXX directly on numerous occasions, but each time, I have been unable to reach anyone who could provide meaningful assistance. The customer service process has been unresponsive and has left me without any resolution despite repeated efforts. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( a ) : Reporting parties must not furnish inaccurate information. 

FCRA XXXX ( b ) : Upon receiving notice of a dispute, the furnisher must conduct a reasonable investigation and correct inaccuracies. 

Attached Supporting Documents : Loan Modification Agreement dated XX/XX/year> XXXX ) Notarized signature page showing release XXXX ) XXXX XXXX XXXX XXXX Drivers license and Social for verification per the FCRA

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 2025-05-28 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: NJ

Complaint narrative:
My name is XXXX XXXX, I am filing this complaint because XXXX XXXX XXXX ( XXXX XXXX ) continues to report a mortgage on my credit that I was formally released from in XXXX XXXXhrough a Loan Modification Agreement signed by borrower XXXX XXXX as part of our XXXX proceedings. This loan, associated with : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, Loan Number : XXXX, was legally modified to remove me from liability, which was notarized and executed on XX/XX/2023. The XXXX XXXX XXXX is attached as supporting evidence. 

Despite my complete removal from this mortgage obligation, the account continues to appear on my credit report. Whats more XXXX it is now reporting as XXXX which is causing severe and unjust XXXX  to my XXXX XXXX and creditworthiness. This inaccurate reporting is XXXX XXXX  my XXXX XXXX significantly, Affecting my ability to qualify for new credit, refinance, or rent, And hurting my standing with other creditors due to the appearance of an active, late mortgage. 

I have submitted multiple disputes to XXXX XXXX major credit bureauXXXX XXXX XXXX XXXX XXXX TransUnion ), providing documentation of the XXXX XXXX XXXX. Still, the account remains, and the XXXX XXXX have only worsened. 

I also attempted to contact XXXX Mortgage XXXX directly on numerous occasions, but each time, I have been unable to reach anyone who could provide meaningful assistance. The customer service process has been unresponsive and has left me without any resolution despite repeated efforts. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA XXXX ( a ) : Reporting parties must not furnish inaccurate information. 

FCRA XXXX ( b ) : Upon receiving notice of a dispute, the furnisher must conduct a reasonable investigation and correct inaccuracies. 

Attached Supporting Documents : Loan Modification Agreement dated XX/XX/2023 XXXX ) Notarized signature page showing release XXXX ) Divorce decree XXXX ) Drivers license and Social for verification per the FCRA

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
As I was applying for a mortage, I had to verify my liabilities. XX/XX/year> is when I first saw XXXX XXXX  pop up as a liability with a montly payment of {$130.00} and a balance of {$530.00}. This account was never XXXX  with my consent nor communicated to me that it was there until just now. It hurt my credit and its definitley fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I'm disputing a credit inquiry that appears on my report from a company Ive never done business with and never gave permission to access my credit. I did not authorize this inquiry plain and simple. 

This was an unauthorized pull, and it has no legitimate purpose. Its either a mistake or a clear violation of my rights. Either way, it shouldnt be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

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 2025-05-28 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 recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete them within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a member of LL Bean Mastercard which is owned by Citibank. They charged XXXX XXXX interest on every little purchase. This is the reason I put them in a debt settlement program last Summer. The program that I was in closed the account, and they acted as though they were not having any of it. They refused to close the account from their end, and continued to charge interest. They finally closed the account in XXXX of 2024. Now, that the account is closed they still keep sending statements where they keep charging interest. I am out {$520.00} at least for XXXX months of interest that they charged. So, I would like to know how is this legal for them to keep charging interest on a closed account. Plus, i would like that money refunded back to me in some form.

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 2025-05-28 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: SC

Complaint narrative:
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.

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 2025-05-28 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
Fraudulent inquiries in my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 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: MO

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I'm a victim of 605c I am writing to address a concerning issue regarding fraudulent accounts that were recently identified and subsequently removed from my credit file. I have noticed that these accounts have been reinstated, which is not acceptable. 

I kindly request that you take immediate action to permanently remove these fraudulent accounts and implement measures to block them from being re-added in the future. I would also like some compensation for the stress this is causing. 
. 

SEE ATTACHMENTS

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX a credit check on me, without my consent. They ran a credit check on me on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> I don't know this company and have never heard of them.

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 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have previously told them I can not be called during working hours ( Approximately XXXX  months ago ). In the call today XX/XX/year> I informed the lady representing XXXX XXXX that I could not talk during working hours. I work XXXX - XXXX Monday - Friday I informed her. I also told her that I had already told XXXX XXXX XXXX that I can not be called darning working hours. The lady continued to ask me questions to verify my address instead of apologizing and ending the call for a later time. I had to tell the lady there is a reason I can not take calls at work and she still was questioning me. I also told her that USPS ( informed delivery program ) as notified me i will be receiving a letter in mail from XXXX XXXX. She was still trying to keep me on the phone by asking questions.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX within XXXX days from all XXXX of my credit reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
I wanted to receive state benefits titled '' Louisiana Revised Statutes XXXX limits the interest rates that creditors can charge to XXXX XXXX XXXX  personnel and their spouses. This statute applies to obligations entered into on or after XX/XX/year>. '' Given I am an XXXX XXXX XXXX member that has a home of record for Louisiana. The loan company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that! have paid in the past.

Company response to consumer: Closed with explanation