vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called TransUnion on XXXX XXXX XXXX to report three hard inquiries I didn't authorize or know about. In a letter from TransUnion dated XXXX XXXX XXXX, the letter stated that the three inquiries were deleted. However, as of XXXX XXXX XXXX all three hard inquiries are still on my credit report.

I have had no problems with XXXX. They are deleted in a day. TransUnion can't do what they say they will do in 34 working days. 

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 2025-05-20 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: MO

Complaint narrative:
I am writing to inform you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have been reported on my credit file. I have submitted a formal complaint to the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms every consumers right to seek assistance in exercising their legal rights. The use of authorized support does not constitute a valid basis to delay or deny a legitimate dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted by me personally or with the help of individuals acting on my behalf. Any undue delay or failure to investigate and correct the disputed information in accordance with the FCRA will be regarded as a willful violation of my rights under federal law. 

I respectfully urge you to process this request promptly and in full compliance with all applicable legal obligations.

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Credible Labs Inc.
State: TX

Complaint narrative:
I received an email twice from XXXX on XX/XX/year>XXXX  and XXXX XXXX XXXX The first email said XXXX, thank you for placing a personal loan request at Credible! 
Unfortunately, our lending partners were unable to offer you personal loan rates today. The good news : checking rates doesnt impact your credit score we recommend you come back each month to see what options you may qualify for. 

The one of XXXX of XXXX Stated XXXX, an update o your Credible prequalification request I did not apply.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
In XXXX 2025, I discovered that a federal Perkins Loan was reported on my credit report as being placed in collections without my knowledge. I had not received any prior communicationno billing statements, delinquency notices, phone calls, or final demand lettersfrom the loan servicer, the school, or the Department of Education. 

According to Department of Education guidelines, a borrower must receive multiple notices and a final demand before a Perkins Loan is placed into collections or reported to credit bureaus. I formally disputed the account through XXXX, requesting verification and proof of proper notice. XXXX responded that the account was verified and made minor updates, but no documentation was provided to show that required notification steps were followed. 

This failure to notify me violates both the Department of Education 's due diligence requirements and the Fair Credit Reporting Act 's ( FCRA ) accuracy standards. I am seeking further review and corrective action.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Im filing this complaint against chase bank, my checking was closed because it was overdraft but the overdraft was not my fault, my password and identifying information was changed with out my knowledge, I could not get into my account, I called customer service several times and was ignored about the issue, someone had my identity and was using it, Im willing to pay the amount of get a checking account with chase bank, I like it have the same account, I am a veteran I want to deposit my XXXX XXXX into a new account with chase bank, please contact me I will give more information on what happen, nobody wanted to help with the situation, my account information was changed my log in, password, I couldnt even use my debit card, I can also tell you XXXX  had a massive data breach several of my accounts including credit cards XXXX closed due to my information being leaked, Im asking for help and to resolve this asap please, like I said Im willing to pay the amount owed but also asking for assistance in getting the same account with the same features, if yall can take steps in protecting my identity and my account, please contact me to discuss this issue thank you!

Im also going if send some examples of my identity that has been used and identify reports filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: SC

Complaint narrative:
I am submitting a formal complaint against Climb Credit XXXX XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. 

In XX/XX/XXXX, I entered into a hardship program with Climb Credit, requiring $ XXXX monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. 

Despite this, Climb Credit : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
While Internet service place an account in collections that I closed, they were billing me for service that I canceled. I contacted XXXX XXXX XXXX on XX/XX/year> and they stated it was an error on their behalf that the account shouldve been closed. I contacted eastern collection agency in references. They are refusing to remove the collection off my credit report I asked wow for verification so I can send to the collection agency. They said they could not give me verification. this is hitting my credit report for XXXX XXXX XXXX, and XXXX  I want this removed to be removed off my credit report and I want to file a complaint against while in eastern collection agency on reference to this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax incorrect collection reporting on my credit report. 
XXXX {$1100.00} listed as unpaid debt collection on my credit report. 
Dated XX/XX/year> I do not have a XXXX Account, or phone. The his is an incorrect collection listed on my credit report. Please remove ASAP, I have submitted several disputes, requested information & assistance for over a year with no regard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report with XXXX  and they show a collection with XXXX XXXX XXXX, I contacted them to resolve the collection and the phone number I called was a debt relief company and was advised to pay a monthly fee to have things resolved on my credit report. I was never given the option to resolve the collection. It is not right to have a collection on your credit report that you can not contact the collection agency to resolve it and your only resource is to pay a debt relief company a monthly fee you can not afford for them to not help you resolve your collection. A credit bureau should not have that on a consumers collection report. You should have the option to resolve a collection that is put on your credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Cars were purchased through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. All 3 cars were purchased and agreements were signed without me there or knowing that I was on the loans. My late husband was present at the signing of the contract but I was not. He was making the payments and handling the finances. My signature was forged on all 3 sales contract. These cars are financed through the following companies : XXXX XXXX, XXXX XXXX, and XXXX. I was made aware after my husbands passing on XX/XX/XXXX. I had no idea what the payment amounts were and I requested the agreements from the financing company and thats how I knew I was on the agreements for all 3 vehicles. I was not there when the agreement /contract was signed nor did XXXX XXXX XXXX financing dept contact me as a co-buyer if I was okay with the terms of agreement. My signatures were all forged. XXXX amount $ XXXX XXXX amount $ XXXX XXXXXXXX XXXX- amount $ XXXX I am making these payments as the finance companies have said that it will still hurt my credit if I do not pay even though the signatures are not mine. I personally went to XXXX XXXX and questioned them how could they make an agreement without me there, and they did not have an answer for 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I have reached out to the companies explaining that I am a victim of a theft. I also am a victim of identity theft and data breach. I have provided information about the data breach, and that my information with leek and nothing still has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have reached out to the companies explaining that I am a victim of a theft. I also am a victim of identity theft and data breach. I have provided information about the data breach, and that my information with leek and nothing still has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting 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 non-monetary relief
Consumer complaint received 2025-05-20 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take legal action

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 2025-05-20 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 am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-20 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 writing to inform you that my Social Security number was compromised as a result of a data breach. As a consequence, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, a copy of which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or disregard dispute requests based on the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms a consumers right to obtain support in exercising their legal rights. The involvement of a third party does not constitute lawful grounds to delay or deny a valid dispute.

Please be advised that all communications submitted under my name were prepared with my full knowledge and authorizationwhether created by me directly or with the help of authorized representatives. Any unjustified delay or failure to investigate and correct the disputed information in accordance with FCRA requirements will be considered a willful violation of my rights under federal law. 

I respectfully request that this matter be addressed without delay and in full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief