vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
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, XXXX, XXXX 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 Accounts : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$200.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( private case number ) 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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Im extremely disappointed with the service my son and I received from XXXX, a customer representative. As my son is XXXX and has XXXX XXXX I expected from them a level of patience and professionalism when seeking their assistance. Unfortunately, XXXX was incredibly rude, impatient, and even attempted to cut the call several times short instead of helping us properly. I even request to call another representative for us. 

This was our second time yesterday calling to unblock our account, and despite her claiming it was resolved, the account remains lockedmeaning we have to endure this frustrating process yet again. Her lack of care and dismissive attitude made an already XXXX  situation even worse. This kind of customer service is unacceptable, and I sincerely hope the company addresses 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 2025-04-02 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of EQUIFAX ( 4 Inquiries Unauthorized ) XXXX. XXXX XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX TRANSUNION ( 14 Inquiries Unauthorized ) XXXX XXXX XXXXI Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
Case ID : XXXX Timeline of events : XXXX froze my account because of suspicious activity ( use of XXXX when logging in ) XXXX-I initially contacted support and was told that i need to provide the following : 1. A view of your full face 2. Your ID that was used to register with XXXX  3. A handwritten note that includes the date the photo is being taken and sent, along with the code [ XXXX ] written below XXXX-I provided everything that was requested XXXX support asked me to provide a proof of address. I comply and provide the paystub with my address ( matches with my ID ) XXXX followed up with the support after submitting the documents. No response. 

XXXX followed up with the support again. No response. 

XXXX followed up with the support again. No response. 

At this point, after a few tries of contacting them and reading the reviews online I understand that they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 2025-04-02 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: WA

Complaint narrative:
I have notified the bureaus several times that the accounts are not mine and have requested proof of verification that accounts belong to me. No response from credit bureaus. 

XXXX- {$2200.00} XXXX - {$2200.00} XXXX XXXX- {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence.

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : ACCOUNTS 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 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 2025-04-02 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: CA

Complaint narrative:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I have requested Experian, to provide evidence of the investigation as they continue to report erroneously, and they fail to provide this information. I have also requested that if they are unable to provide the evidence then they must remove any negative mark on my credit report in which they refuse to do so. I have provided them with the forbearance letter that loancare provided me during the forbearance process and they continue to report as negative.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I contacted UMPQUA Bank several times and all said they will not refund me even XXXX refund to my closed account. I went to XXXX XXXX and met Branch Manager and the Bank Cleark. They said after my bank account is closed they will not do anything about my refund. I got caught in the middle. After Bose said they already refunded, I contacted UMPQUA bank and said I have to claim in 30 days after the refund is made to my closed account. However, including XXXX XXXX at XXXX, XXXX, she did not inform me I have to claim. Even the refund was made she just ignored. In they letter, They will refund ... .. is this mean. the XXXX is going to refund or UMPQUA BANK will refund. If the UPMQUA BANK  is going to refund, when? I need to send me by courier service. If Refund money is returned to XXXX, where is the reference number that it was return and when was the date? I need specific data. Please respond me ASAP. I have already contacted several times and basically I am going back and forth between UPMQUA BANK and XXXX. Since UMPQUA BANK did not tell me I have to claim in 30 days, they fail to tell me. I feel they just making an excuse. In addtion Branck Manager failed to follow up and ignore me, UPMQA Bank should cancel return the money back to XXXX and UPMQUA Bank should responsible and refund me. Please refund me ASAP.

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 2025-04-02 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 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: LA

Complaint narrative:
False account balances are being reported by my Student Loan Servicer, Nelnet. I had funds disbursed to Servicer on XX/XX/2025. Soon after, I received confirmation from said Loan Servicer, and the Department of Education, acknowledging that my loans were now paid off and had a XXXX balance. 

Loan Servicer provider then proceeded to wait two months later, and began resending me account statements and payment options, to settle the same balance. 

Loan Servicer completely dismissed the XXXX disbursements ; denied ever receiving funds, and refused to acknowledge my successful enrollment in the Public Service Student Loan Forgiveness Program. 

They also very conveniently failed to send me account statements for XXXX and XXXX, the two months where all payments and balance updates were executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
This account has been paid off by the insurance company as of XX/XX/scrub>t 2023. I have no balance with this company but it shows late payments and a XXXX balance. This needs to be removed to help prevent me from further denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Colony Brands, Inc.
State: MD

Complaint narrative:
I have been in contact with Montgomery Ward since XXXX. I been my last payment in XXXX. I thought because their system is showing that I owe them XXXX dollars. I have been trying to contact via phone and email. I finally reach different customer service agent after being hung up on a regular basis after thinking I was getting to a point that will resolve the issue. I talked to a supervisor that said " It was my fault due to their system acting up and showing a XXXX balance since XXXX. '' I couldn't tolerate being called a liar after bringing evidence below with XXXX different screenshot of my screen showing XXXX balance. I just want accurate credit reporting to show that I couldn't have done anything on my end to avoid these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 XXXX, XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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