vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a notification end of XX/XX/year>, on my XXXX  credit report that CAPITOL ONE had requested information to open a credit card. I did not open a credit card. They told me that someone had used my full name and social to try to open it, but a different address than mine. They stopped the process, but I am concerned that they have my name and social security number. I contacted XXXX, Capitol One to report this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
XXXX complaining about inaccurate data regarding a payment that is marked late on my closed XXXX XXXX XXXX Account. At the time I called and complained about it being on my report, I was told it was late because of a natural disaster that the company system didnt take the autopay due to services being down. 
They ignored my complaint and procressed my payment at late on my credit report. 
Years later I have noticed XXXX different dates on XXXX different reports which violates my FCRA. Please delete it off my reports cause its inaccurate on my Experian and Equifax. 
Experian states XXXX XXXX Equifax states XX/XX/year> for the same occurrence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, ZIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX Subject : Dispute of Unauthorized/Incorrect Credit Card Charge and Fraud To whom it may concern : I am writing to dispute a charge of {$4300.00} to my credit card account. I am disputing this account in its entirety because I did not authorize this account. I have no recollection or knowledge of this account. 

I request that this account be removed from my credit bureau immediately. 

Sincerely, 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and unresolved information in my credit file, which has significantly impacted my ability to access my credit reports from all three major credit bureausExperian, Equifax, and XXXX 

For over a year, I have made numerous attempts to correct the erroneous information with the credit bureaus directly, but my efforts have been unsuccessful. Despite contacting Experian and Equifax on multiple occasions, the issue remains unresolved as of todays date. This continued inaccuracy has denied me access to essential financial information and services, which I am entitled to under federal law. 

In addition to this, I am currently being charged a membership fee for credit monitoring services with Experian, yet I am not receiving the service I am paying for and constant spam emails from Equifax to join their program. This, in my view, constitutes a clear violation of my consumer rights. 

I would also like to bring to your attention that my Social Security XXXX was part of a widely reported data breach involving Experian and Equifax. I believe this breach XXXX be directly connected to the issues affecting my credit files. The inability to access or correct this information has created ongoing and tremendous stress in both my personal and financial life. 

The failure of the credit bureaus to resolve these issues in a timely and effective manner is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to accurate and accessible credit information. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure the correction of my credit files and enforcement of my consumer rights. I am prepared to provide documentation of my communications with the credit bureaus, proof of membership payments, and confirmation of the data breach upon request. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-07 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 writing to you to file a complaint about an unresolved credit dispute on my Equifax credit report. I previously disputed an account with XXXX XXXX XXXX, which has since been closed and paid in full. I have provided the necessary documentation, including a letter from the creditor confirming the account was closed and satisfied. I have contacted XXXX XXXX several times, and they have stated that they advised you to remove this from my report. 

Despite resolving this matter with XXXX, Equifax continues to report this account inaccurately. I have followed the dispute process and submitted supporting documentation, but the account remains on my report, negatively affecting my credit score and delaying my ability to secure a new vehicle. 

I respectfully request an immediate investigation and removal of this account from my credit file. Please confirm receipt of this complaint and advise me of the next steps or required documentation. 



Any prior dispute confirmation/reference numbers I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
What is the issue? 
Incorrect information on your credit report Who are you complaining about? 
Company Name : Equifax Information Services XXXX Number ( if known ) : Partial Account # XXXX Servicing Solutions LLC What happened? 
I am filing this complaint because Equifax is reporting a fraudulent account under the name of Servicing Solutions LLC on my credit report, which I do not recognize, authorize, or have any contractual relationship with.

Despite not being the originator or user of this account, it appears with the following derogatory information : A balance of {$1400.00} A past due amount of {$170.00} 60- and 30-day late payments reported Account status : Closed by credit grantor Reported to Equifax on XX/XX/year> This reporting is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 1681c-2 ( a ) : I have the right to have fraudulent or unauthorized information blocked immediately.

1681i ( a ) : Equifax is obligated to conduct a reasonable reinvestigation upon receiving a formal dispute.

1681e ( b ) : Equifax must follow reasonable procedures to ensure maximum possible accuracy.

I have already sent a formal dispute to Equifax with supporting documentation, requesting deletion and blocking under federal law. If they fail to comply, I am seeking CFPB 's assistance in enforcing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent inquiries listed on my credit report. I did not authorize any of these inquiries and request their immediate removal. Please provide written confirmation once these unauthorized inquiries have been deleted from my credit file. 

Transunion Inquires 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 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 2025-05-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I recently received my report and noticed inaccurate reporting. I have XXXX late payment on an account that I paid on time XX/XX/year>. the consumer reporting agencies needs to report accurate information this account has not been late on XX/XX/year>. I'm requesting you investigate and provide proof with records showing i had late payments. If you can not provide the proper information requested. then i would for you to update my report to paid on time immediately.

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 2025-05-07 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: GA

Complaint narrative:
I recently received my report and noticed inaccurate reporting. I have XXXX late payment on an account that I paid on time XX/XX/year>. the consumer reporting agencies needs to report accurate information this account has not been late on XX/XX/year>. I'm requesting you investigate and provide proof with records showing i had late payments. If you can not provide the proper information requested. then i would for you to update my report to paid on time immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
PLEASE HELP ME SOLVE MY PROBLEM WITH EXPERIAN, EQUIFSX, AND TRANSUNION. I HAVE REQUESTED FOR THEM TO REMOVE FRAUDULENT ADDRESSES THAT ARE REPORTING ON MY CREDIT FILE. PLEASE HELP ME REMOVE AND BLOCK THOSE ADDRESSES AND KEEPING ONLY MY ADDRESS. THERE ARE ACCOUNTS ON THERE THAT THEY ARE NOT WILLING TO REMOVE BECASUE THEY ARE ATTACHED TO THOSE FRAUD ADDRESSES AND THEY ARE IMPACTING ME NEGATIVELY. I AM A VICTIM OF HUMAN TRAFFICKING AND IDENTITY FRAUD. I NEED THIS TAKEN CARE OF IMMEDIATELY.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance : {$11000.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$13.00} Open Date XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEALTHFRONT CORPORATION
State: MI

Complaint narrative:
I closed my account with WEALTHFRONT online bank. There was some remaining interest owed after closing and I am attempting to recover those funds. They will not mail a check for the remaining balance. I have called and emailed with them and now they are not responding to my inquireies. This started on XX/XX/year>. They owe me {$360.00} which is the remainder of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
on XX/XX/year> at XXXX called Concora Credit to speak with their customer service associate to pay my past due payment for XXXX, my regular payments is {$200.00} plus {$30.00} fee charge and {$7.00} Interest charge, total of {$240.00} the associate told me that he could not accept the past due payment, because they add XXXX payment which is due on XX/XX/XXXX, almost three weeks in advanced and the total to pay is {$440.00} and I told him that i do not have all the money and I was only want to pay the regular payment with late fee. he said no, that I has to pay {$440.00}. so I told him if I wait until XX/XX/XXXX, that Concora was going to report me with two Months late to the credit Bureau. and I told him that was probably illegal and I was going to find some legal help. also I asked for their corporate Office address he said they do not have an office which is suspicious for a credit company not to have a main office, also when I call the and gave them my personal info. 
they mention totally different account # from the account # XXXX showing in my invoice which is rare. I would like CFPB to check this company if their business practice is legal forcing customer to comply with their unethical ways to set consumer failures, and also why they hiding their real identity. 
Thank you in advance for your assistance. my phone # and E-mail is in your system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am submitting this formal complaint regarding the failure of LexisNexis Risk Solutions ( XXXX ) to address and correct numerous inaccuracies in my consumer report following a dispute submitted on XX/XX/XXXX. The dispute challenged various personal identifiers and account-related data that are outdated, unverifiable, or entirely incorrect. LexisNexis has failed to respond within the XXXX window required by the FCRA and has not provided any documentation verifying the accuracy of their reporting. 

The following items were included in my dispute and remain uncorrected : Inaccurate Personal Information : Incorrect Name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) Incorrect DOB : XX/XX/XXXX Invalid Addresses : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Inaccurate Employer Entries : XXXX XXXX XXXXXXXX XXXX These items do not reflect accurate, verified, or current data as mandated under 15 U.S.C. 1681e ( b ) and Metro 2 standards. Despite requesting that LexisNexis provide evidence validating this data, no proof was provided, nor were these items removed.

Failure to Investigate and Verify : Per my dispute, I cited LexisNexis ' obligations under : 15 U.S.C. 1681i ( a ) ( 1 ) duty to investigate disputed information within 30 days 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable information 15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy CRRG 2020 Metro 2 Guidelines industry standard formatting and reporting requirements LexisNexis failed to adhere to these responsibilities, putting my credit standing and privacy at risk. Their continued reporting of this incorrect and outdated data constitutes a willful violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: OK

Complaint narrative:
Ive been asking TomoCredit to close my account since shortly after opening it. They have not responded and refuse to take any phone calls. Last month, they withdrew {$14.00} from my account. I sent an email about it, but they ignored meonly to charge another {$14.00} this month.

Company response to consumer: Closed with explanation