vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Banks XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX. XXXX, 2025 + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + Banks XXXX XXXX  Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2025 + XXXX XXXXF Inquiry : XXXX XXXX, 2025 + Finance/Personal XXXX Inquiry : XXXX XXXX, 2025 + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX XXXX Inquiry : XXXX XXXX, 2025 + XXXX XXXX Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail XXXX  Inquiry : XXXX XXXX, 2025 + Department/Variety and Other Retail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-29 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate late payment entries on my accounts ending in XXXX XXXXXXXX and XXXX XXXX  These late payments have been reported by my creditor but are not properly verified, and I believe they are incorrect. 

I have disputed these discrepancies directly with the credit bureaus, but despite my efforts, the late payments remain on my credit report without proper validation or supporting documentation. Under 15 USC 1681 2A, furnishers are required to report accurate information, and under 15 USC 1681i, the credit bureaus are obligated to conduct a reasonable investigation within 30 days of receiving a dispute.

Neither the creditor nor the credit bureaus have provided sufficient evidence to support the negative reporting of these late payments, which is a violation of the Fair Credit Reporting Act. 

I kindly request that the credit bureaus and the creditor investigate this matter thoroughly and remove these inaccurate entries from my credit report if they can not provide proper documentation. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

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 2025-03-29 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). I request a thorough reinvestigation into the following accounts, and if verification can not be provided, they must be deleted immediately. 
Below are the details of the accounts in question : I REQUIRE ORIGINAL CONTRACTS AND SIGNATURE, IF THAT CAN BE PROVIDED THESE ACCOUNTS MUST BE DELETED

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 2025-03-29 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXXB of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate and unverified information being reported on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) and XXXX. I am specifically disputing the reporting of a XXXX XXXX  Bankruptcy and several associated trade lines that are inaccurate, unverifiable, or reported with discrepancies across bureaus. 


THESE ACCOUNTS NEED TO BE DELETED

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 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Calls every day and night and is leaving threatening and harassing messages all the time on my phone. Never had an account with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In XXXX of 2024 there were XXXX payment extensions applied to the account. There were then no payments due until XXXX. The balance was brought to XXXX. 

Since XXXX of 2024, there have been XXXX payments made to the account. 

The payment every month is {$450.00}. 

The current month is XXXX. 

Payments are due at the end of each month. 

XXXX, XXXX and XXXX are the only months which are due. 

Payments have been made in the amount of {$450.00}, {$140.00}, and {$100.00} against these XXXX months due. 

There was a notice sent out for {$960.00} earlier this month. 

This notice keeps changing, and has been updated to {$1000.00} - with no additional activity on the account. 

The late fee is always {$5.00}. 

There have been no NSF or bounced payments at all. 

{$450.00} x XXXX, XXXX, XXXX XXXX  {$1300.00} {$450.00} has been paid since XXXX XXXX {$910.00} XXXX more payments have been made since XXXX XXXX {$910.00} - ( {$140.00} + {$100.00} ) = {$670.00} I am being overcharged for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-03-29 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:
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 XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00} that appears related to the aforementioned personal loan account opened at 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 XXXX ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
In 2007 my cosigner and I went to an orientation at the California XXXX XXXX. We were led to believe by the sales people there that this was a prestigious and selective school and that acceptance into the program was something special. 

They assured us that graduates would receive higher pay than non graduates and that they would have jobs waiting for us up graduation. They insisted on us taking out multiple loans not just for tuition but for living expenses because according to them it was beneficial to live near the school. Even with the loans, I could only afford to live in a rundown hostel type of building in the middle of XXXX XXXX 's " XXXX '', the most dangerous part of the city that was absolutely overrun with homeless, drug dealers, drug addicts, prostitutes and pimps. I couldnt even leave the building after dark because of how dangerous it was, even during the daytime people were openly smoking crack and injecting themselves on the sidewalk or in building alcoves. 

All of our classes were basically using us students to make food and desserts for their on site restaurant, the curriculum was sub par, the teachers seemed to lack experience as well. After six months of this nonsense and living conditions I had enough and stopped attending. 

Despite all of this I have paid off thousands and thousands of dollars in loans to XXXX XXXX XXXX My last loan left was originally {$20000.00}, and despite paying it for over 15 years and paying over {$30000.00} in payments my loan balance has gone up to {$49000.00}!! And I never even received a " degree '' from them. 

There has been numerous lawsuits against XXXX and XXXX which I was supposed to have been a part of but only found out about them too late. XXXX, and all the XXXX XXXX XXXX campuses shuttered all of their doors 10 years ago because of how blatantly they were defrauding students and cosigners, and because of the numerous lawsuits being brought against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-29 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: TX

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 XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX OF XXXX on XX/XX/XXXX with a balance of {$52000.00} that appears related to the aforementioned personal loan account opened at 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 XXXX ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per XXXX XXXX, I am formally requesting their removal within XXXX days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a mortgage + escrow with US BANK. They havent pay the totality of my property taxes with XXXX XXXX. 

For the last 3 years i received bills to pay my property taxes and the last 2 years i received an overage check so i thought the bank was giving me the money to pay the taxes myself. It turned that they were only paying a portion of the taxes. 

And i was being fined by the county for paying late. 

I need restitution on this payments

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
Have no knowledge of such debt I dont even have my own place to stay for over two years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A hard inquiry was done on my credit report from someone trying to apply or get a XXXX XXXX XXXX. Card under my name on XX/XX/XXXX. I did not authorize this inquiry it was not me. The inquiry is scheduled to continue on record until XX/XX/XXXX from Experian credit bureau I need this inquiry to be taken off my credit report and investigated. Thank 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 2025-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Greetings, Im sending this complaint due to a suspicious, unrecognizable debt on my account. The original creditor XXXX XXXX XXXX XXXX is charging me for the amount of {$550.00} for a hospital/medical bill that I have no idea about. I have tried disputing this with the credit agencies and unfortunately they keep advising this information is accurate. When I research this creditor, it all comes back as fraudulent and other people complaining about the Same issue. Please assist me as I have been filing numerous disputes with no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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