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

Complaint narrative:
I let this company know XXXX  a victim of identity theft and they refuse to investigate because they claim they are sure its me so I have asked them for any Photo ID or signatures proving its me and they hang up the phone and refuse to investigate because I was forced to strike a deal them to pay half since I have been trying to get their remarks off of my credit the past XXXX  years they do not want to investigate and they refuse to look at the police report or FTC reports I asking that they investigate the right way and work with me to resolve this issue and remove the false information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MD

Complaint narrative:
I am filing this complaint because Equifax has refused to remove an unauthorized hard inquiry from my credit report, despite my formal dispute and supporting documentation. 
On XX/XX/scrub> 2024, a hard inquiry was made on my credit file by XXXX XXXX XXXX XXXX  without my knowledge or written authorization. I did not apply for credit or grant permission for this inquiry. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be accessed with the consumer 's consent or for a legally permissible purpose.

I followed the proper dispute process under 15 U.S.C. 1681i, submitting a written dispute to Equifax along with : A copy of my government-issued ID A utility bill as proof of my address A copy of my credit report with the inquiry highlighted A formal letter from XXXXXXXX XXXX acknowledging the inquiry was made in error and confirming they submitted a request to Equifax for removal Despite providing all of this, Equifax has continued to report the inquiry and has not provided a valid reason for denying my dispute.

This ongoing reporting is damaging my credit, violates my rights under the FCRA, and is causing unnecessary XXXX and harm. I am requesting the CFPBs assistance to : Investigate Equifaxs failure to comply with the FCRA ; Ensure that the unauthorized inquiry is permanently removed from my credit file ; Hold Equifax accountable for failing to correct inaccurate information after receiving clear and verifiable documentation. 
Thank you for your attention to this matter.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I made an XXXX purchase through cashapp for a person who claimed to help me get a XXXX XXXX XXXX XXXX XXXX XXXX She posted a flyer on XXXX a couple days before I contacted her. I ask her a couple of questions mainly to my point was that can it get done without leaving XXXX she replied yes, So I paid her XXXX on XXXX  through cashapp XX/XX/year>. So as time goes on im contacting her shes not attempting to contact me, she doesnt even know who shes talking to, I gotten book for the wrong consultation XXXX XXXX XXXXXXXX ) which I didnt book. Finally she finds a consultation through XXXX XXXX I book and informed her Tuesday at XXXX XX/XX/year>. Day of service I tell her im here at the appointment shes confused like what am I doing there now im confused. It turns into a whole aggravating day n finds out shes not affiliated with them. Everything is feeling off so I ask for a refund. Now shes stating she doesnt do refunds which is not stated on the flyer nor did she mention it ahead of time. Couple days later I try to dispute through them not really investigating tells me goods and services was done correctly. Im confused because I sent a the text we shared and I never received an operation. Now they wont refund me

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: I.C. System, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, and I previously disputed and had the XXXX & XXXX collection account reported by I.C. System, INC removed from my credit report. However, this account was recently reinserted without proper notice, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified in writing within XXXX business days if a previously deleted item is reinserted. No such notice was ever received. 

Additionally, this account stems from a fraudulent XXXX XXXX XXXX contract that I never authorized or signed, and which is already included and documented in my official FTC Identity Theft Report ( Report # XXXX ). Therefore, continuing to report this item constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and a failure to conduct a reasonable reinvestigation as required under Section 611 ( a ) ( 1 ) ( A ).

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 2025-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DynaGen Lending, LLC
State: MI

Complaint narrative:
Applied for a mortgage through Dynagen Lending in Michigan, they told us the underwriter was XXXX XXXX Mortgage. We had numerous disclosures and documents for signature stating our rate was locked. XXXX days before closing on the home, we had a closing document that stated it was the final statement of loan terms and closing costs. Then we got a new document later that day showing an increased interest rate for the loan. Dynagen 's excuse was the XXXX " didn't process the request on time and the market conditions changed. '' They refused to honor their previous versions of the signed documents, despite the rate lock. Our only options were to sign the new rate or start the whole process over again and miss closing, which would cause us to forfeit our XXXX money, the all money we had already spent on inspections, and potentially lose the house. Our closing date was known to the lender and is listed on the form. Our original rate was 5.75 % and they increased it to 5.99 % at the last minute.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: IN

Complaint narrative:
XX/XX/year> I tried to sell something online & was informed the $ was sent through XXXX which I use with Key Bank. I received an email that because I did not have a business account there needed to be additional steps taken to unlock business account access to contact the XXXX number. I called the guy was asking for a {$500.00} transfer. I instantly pulled the key chat feature up and asked if that seemed normal as I didnt think it did. The key bank employee stated yes it absolutely is normal. So I made the {$500.00} transfer to a XXXX XXXX XXXX. It was obviously not actually XXXX. I knew quickly. So I then opened chat back up and initiated a dispute as they would t stop the transfer, maybe they could not. However now they are stating they will not approve the dispute because I successfully completed that transaction intentionally there was no ERROR! Even though I asked key and they stated yes it was a normal process. I should have been able to get that {$500.00} back as they directed me that it was safe and normal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im contacting you regarding an account listed on my credit report that I do not recognize and have no connection to. This account is entirely unfamiliar to me, and I have no knowledge of ever opening or being associated with it.

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 2025-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
My brother had a savings account and XXXX CDs, totaling about {$42000.00} at XXXX by Goldman Sachs. He died XX/XX/year>, I was the beneficiary of the account. I submitted the certified original certificate of death as well as other documents Goldman Sachs requested. I have called numerous times ( at least XXXX times ) over the past XXXX months without any progress in getting the funds transferred to me, nor have I been provided with any reason for this delayed. My brother died Intestate, I have been designated and confirmed as Provisional XXXX of the Succession of my brother, a certified original document was provided to Goldman Sachs to assist with transferring the funds. 

.

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

Complaint narrative:
I was recently viewing my credit report and noticed a very serious inaccuracy that is negatively impacting my ability to obtain new credit. I am requesting that you DELETE the following account from my credit report : XXXX XXXX XXXX Account number XXXX The reason for my request is that this account was CLOSED and CHARGED OFF in XXXX of XXXX  ; however, this account has continued to update EVERY SINGLE MONTH for the past nearly 6 years since being closed and charged off. A closed/charged off account does NOT update as this account incorrectly has. This is illegal. A charge-off legally can not continue to be reported on a credit report every month after it's initially charged off. Instead, it is reported only once as a charge-off ; therefore, this account needs to be immediately REMOVED from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: FL

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

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 non-monetary relief
Consumer complaint received 2025-05-05 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:
I recently reviewed a copy of my credit report and noticed fraudulent accounts that does not belong to me. Please remove these accounts as it is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  act # XXXX, XXXX XXXX acct # 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 2025-05-05 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts that does not belong to me. Please remove these accounts as it is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  act # XXXX, XXXX XXXX acct # XXXX

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

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-05 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
On XX/XX/year> I received a copy of my consumer report and I seen a bunch of items I am not familiar with. I opened my mailed and there was a letter stating that I have been victim of identity theft. Thats why I am filing this report against these companies listed on my report. I never consented to my information being shared with any unauthorized third parties. 15 USC 1681i requires an investigation into an account before it gets listed on my consumer report. I never receive any evidence of these alleged debts I want these items removed immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were never authorized by myself and I contacted the companies and no one responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three credit bureaus are currently reporting late payment entries on XXXX XXXX ( Account XXXX. XXXX * * ) * * and XXXX ( Account XXXX. XXXX * * ) * * even though the past due balances are reported as {$0.00}. Reporting derogatory information like late payments while simultaneously showing that no payments are currently past due is contradictory, misleading, and reflects a failure to maintain accurate records. Under 15 USC 1666b, creditors must provide adequate notice and reasonable time for payment. There is no justifiable reason why these accounts should continue to carry late payment notations when they are clearly current. This type of false derogatory information is often the result of outdated data left uncorrected or the mishandling of account updatesagain, likely caused by a breach of personal data or systemic errors.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX THESE TWO COMPANIES ARE HOLDING A FRAUDULENT ACCOUNT IN THEIR DATA BASE WITH TWO DIFFERENT ACCOUNT NUMBERS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FRAUDULENT ACCOUNT WAS CHARGED OFF I HAVE ATTACHED A ID THEFT FROM THE I.R.S. AND ALSO A FORM 14039

Company response to consumer: Closed with explanation