vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block 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 a XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # : **** XXXX opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$3800.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$1600.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$530.00}. Inquiries : XXXX XXXX, XXXX Co XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 2025-04-01 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: NJ

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block 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 a XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # : **** XXXX opened XX/XX/XXXX bal. {$6900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$3800.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$1600.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # : **** date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$530.00}. Inquiries : XXXX XXXX, XXXX Co XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi XXXX XX/XX/year>, i called experian to put a freeze on my report, and now i want to take out the freezae and also open membership, and i keep getting error message when trying to sign up for membership to obtain my report and credit inquriies, and when i call the number on their website i cant reach anybody and after i reach somebody they tell me to go to website for help, which gives me the same phone number i called and agent told me to go to their website

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I closed my XXXX XXXX card issued by Comenity Bank in XX/XX/year> and requested my final balance/bill so the account is settled. They sent me the final bill of {$50.00} in XXXX. I mailed the check for {$50.00} ( a week later than the due date ). Then I got another bill from them in XXXX saying I owe them {$170.00} - as they have been charging me late fee of {$40.00} for every month. First of all the fee is excessive and secondly, since XXXX XXXX XXXX it end up being {$170.00} when I already paid the final bill of {$50.00} in XXXX? 

I called and talked to the supervisor and they acknowledged that it is too high but they can not do anything about it and I must pay the full {$170.00}. This is an unfair and fraudulent business practice. 

Not only I am getting calls from various phone numbers from various Cities/States - the callers are rude and demanding that I give them by debit card number so they can withdraw the money from my bank account. Very shady and fraudulent approach. 

Please help me resolve this issue without anymore excessive fees they pile on to my closed account. I am not the only one to experience this issue with Comenity Bank. It looks like they are doing this fraudulent practice with thousands of consumers for a long time. They must be stopped. - Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 2025-04-01 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I initiated a claimed for funds paid but services not received/completed through fifth third bank for {$530.00} that was paid through XXXX XXXX, but funded directly from my bank. I did not fund my XXXX wallet, and the pay the recipient. 

The bank simply stated that because it was a P2P they denied the claim. They didnt reach out to the other party to confirm or deny services rendered complete or incomplete, or any verification of such. Simple denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
My call log is 90 % this company contacting me. I resolved the debt about a week ago and still the calls are incessant, often times being called multiple times a day. Voicemail mailbox is full of the same message from this frequent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 2025-04-01 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: MD

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 2025-04-01 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint - Unauthorized Hard Inquiry & Fraudulent Account Approval by XXXX XXXX Dear CFPB, I am filing an urgent complaint against XXXX XXXX XXXX XXXX XXXX ) for willful violations of federal consumer protection laws, including : Unauthorized hard credit inquiry ( FCRA 1681b violation ) Deceptive acts in obtaining my SSN under false pretenses ( CFPB UDAAP violation ) Fraudulent approval of unauthorized services ( Potential identity theft ) Incident Details ( XX/XX/year> ) : Called XXXX to activate XXXX new line and purchase XXXX XXXX XXXX Representative falsely claimed my SSN/credit card were needed " for verification only '' Within hours, XXXX alerted me to an unauthorized " Installment Loan '' inquiry XXXX  later admitted they approved XXXX new lines/phones without my consent Legal Demands : Immediate removal of all unauthorized inquiries from my credit reports Full investigation into how/why my SSN was misused Written confirmation that no fraudulent accounts were opened Compensation for : XXXX XXXX damages ( {$500.00} minimum statutory damages under FCRA ) XXXX hours of wasted time ( $ XXXX ) Emotional distress ( {$1000.00} ) Supporting Evidence Available : XXXX XXXX XXXX ( XX/XX/year> ) Call records showing XX/XX/year> contact with XXXX  Email correspondence ( if any ) I demand resolution within 15 business days and reserve the right to pursue : Small claims court action FCRA 1681n statutory damages ( up to {$1000.00} per violation ) State AG complaint for deceptive practices Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Financial protection bureau CFPB has recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates a federal law, and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
They are continuing to report information on my report that is not mine. I asked them to conduct a proper investigation, independent of the company reporting the account to verify the information. They have failed to do so and continue to report this information. 

I dont know XXXX I have never had a relationship or an account with this company. This debt is not mine. The company has failed to provide me with any contract bearing my signature. All they did was send me a detailed bill. I requested the original contract bearing my signature. They have failed to do so. They sent me a contract with a signature that is not mine. It must be fraud. 

The account # XXXX in the amount of {$1200.00} I also formally requested for XXXX XXXX  to provide full validation of this debt, including according to Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g : 1. Proof that you have the legal right to collect the debt, including a copy of the original creditor agreement that grants you authority.

2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, and any additional fees.

3. A copy of the original signed agreement between myself and the original creditor, proving I have a legal obligation to pay this debt.

4. Verification of the statute of limitations for this debt in my state, including the date of last activity.

5. Proof that this debt has not been paid, settled, discharged, or otherwise resolved.

6. Your debt collector license number and authorization to collect in my state, as required by state law ( if applicable ).

7. The name and address of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 5 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solution due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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