vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX it's all identity theft

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX it's all identity theft

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX it's all identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
To : TransUnion Dispute Department From : XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Dispute of Incorrect Charge-Off Reporting by XXXX XXXX XXXX Dear TransUnion , I am writing to dispute an inaccurate Charge-Off that appears on my credit report, reported by XXXX XXXX XXXX. This information is incorrect and does not reflect my actual payment history. 

XXXX XXXX reported a Charge-Off on XX/XX/XXXX, but I was not 120 days past due. I made regular payments, and large payments were submitted by my insurance company and XXXX provider. 

Key facts : XXXX XX/XX/XXXX : Payments were submitted on my behalf. 
XX/XX/XXXX : XXXX paid {$14000.00} to XXXX XXXX. 
XX/XX/XXXX : I received a statement from XXXX stating my next payment of {$1100.00} was due XX/XX/XXXX. 
XX/XX/XXXX, XXXX, XXXX : I made payments totaling {$2600.00}, all after the supposed Charge-Off. 
My online XXXX account never showed that I was in default before XX/XX/XXXX. 

This Charge-Off is based on miscommunication and system errors on Kias side. It is harming my credit unfairly. 

Please investigate and request correction from XXXX XXXX. I have attached evidence, including account statements and payment history. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : ( 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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Last active dates are inaccurate between all XXXX bureau 's. please delete. Past due status are not correct and is inaccurate and needs to be deleted. Payment status not correct. I have Fraud charges on this account And I have a XXXX XXXX sheriff police report show I lost my wallet twice. Please remove while investigation Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX FRAUDALENT ACCOUNTS : 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUNTHORIZED INQUIRIES : XXXXXXXX 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report and notice some fraudulent inquiries and incorrect addresses and names. Please remove the accounts 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 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NE

Complaint narrative:
I set my landlord XXXX dollars in XXXX for XXXX and then I disputed other charges which I thought was something else with my bank when I realized it.Was this charge.I canceled the dispute with XXXX XXXX.And they gave the money back to Cash App.Cash App is refusing to give me my money back.Because they said my account is closed. They cant keep someone's money just because theu close their account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
Ginny 's, This account goes from current to 60 days delinquent in XXXX and XXXX of 2020. I have previously disputed thus error with XXXX XXXX XXXX. Please remove the 60 and 90 day late. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
What kind of sketchy bank takes mulitple days of downtime. The inablity to access my financial services breaks a number of laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The attached FTC Identity Theft Affidavit reports separate fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and resulting from identity theft and fraud. These fraudulent accounts have resulted in fraudulent collections appearing on my consumer report. However, I approached TransUnion directly regarding this matter in a previous complaint. Consumer name : XXXX XXXX XXXX, social security number XXXX XXXXXXXX, XXXX ). This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Equifax and Experian credit reporting agency after not receiving any verification method from the accreditors delete any information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the attempts mentioned above. The hard inquiries appearing on my consumer credit report were not made, or initiated by me. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The attached FTC Identity Theft Affidavit reports separate fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and resulting from identity theft and fraud. These fraudulent accounts have resulted in fraudulent collections appearing on my consumer report. However, I approached TransUnion directly regarding this matter in a previous complaint. Consumer name : XXXX XXXX XXXX, social security number XXXX XXXXXXXX, XXXX ). This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Equifax and Experian credit reporting agency after not receiving any verification method from the accreditors delete any information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the attempts mentioned above. The hard inquiries appearing on my consumer credit report were not made, or initiated by me. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-25 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: GA

Complaint narrative:
I want to make it absolutely clear that this complaint is legitimate. My credit report includes inaccurate information that does not meet the standard of maximum possible accuracy, as required. These errors are placing undue strain on my financial situation and must be addressed and corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
b'I had an auto loan through XXXX XXXX starting in XXXX XXXX, with a monthly payment of XXXX on a XXXX-month lease. I made a XXXX down payment on XXXX XXXX XXXX, and continued making payments for over two years. I have documented XXXX in actual monthly payments made from my XXXX  account  the equivalent of XXXX full monthly payments.\n\nDuring this period, I experienced financial hardship and job loss, which made it difficult to pay on time consistently. I communicated my situation openly and transparently with XXXX XXXX, and did my best to stay current or catch up. In late XXXX, XXXX XXXX told me I could bring the account current by paying XXXX. I raised the money and called back on time, but they refused to accept the payment and told me my only options were to buy the vehicle for over XXXX or return it. I was left with no other choice and voluntarily returned the car in XXXX XXXX.\n\nDespite my efforts, XXXX XXXX is inaccurately reporting:\n\t\tA last payment date of XXXX XXXX, which is false (my last confirmed payment was on XXXX XXXX XXXXXXXX)\n\t\tOver XXXX  months of late payments, including through XXXX  and XXXX, even after the vehicle was returned\n\t\tA charge-off status, even though I remained in contact, made payments, and returned the car voluntarily\n\t\tA remaining balance oXXXX XXXX, with no breakdown or explanation\n\nAdditionally, I previously made payments through XXXX XXXX, but I no longer have access to that account due to a fraud-related closure. I am not able to confirm how many payments were made through XXXX XXXX, but I believe at least one or more payments may have been processed that way.\n\nThis reporting is inaccurate, harmful, and misleading under the Fair Credit Reporting Act. I made a consistent good faith effort to pay, clearly communicated my hardship, and was denied the opportunity to keep the vehicle even after raising the money they initially requested. Their reporting does not reflect the facts.\n\nDocumented Payments Made to 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

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
Ginny 's, This account goes from current to 60 days delinquent in XXXX and XXXX of 2020. I have previously disputed thus error with XXXX XXXX XXXX Please remove the 60 and 90 day late. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I deposited {$740.00} cash into a FNBO ATM at approximately XXXX on XX/XX/year>. The ATM took the money and immediately went into out of service mode. The customer service line told us that they would return the funds when they opened in the morning. XXXX  morning, the funds were not in my account and the bankers informed me that they couldn't do anything about it. They said if I'm being honest, then I can expect to hear from them in XXXX  days. This is unacceptable. We have no real timeline or information on what happened to that money or if we will see it again. We haven't heard from them for over a week. They should be able to see the deposit quite clearly on their cameras and the money would have been right in the mouth of the broken ATM that they had fixed the next morning.

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