vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: Tesla, Inc.
State: IL

Complaint narrative:
At the time, Tesla was offering a 1.5 % APR on new XXXX purchases. I began my application, and the financing process was initially being approved through Tesla. 

However, a representative at the XXXX, IL Tesla location took my personal information and, without my knowledge or consent, ran my credit through multiple third-party lenders not through Tesla. These inquiries were done without my authorization and in a fraudulent manner, possibly grouped with other consumers. 

I attempted to resolve this issue by contacting both XXXX XXXX and the XXXX location directly, but I have received no response or resolution. I am extremely concerned about the misuse of my personal and financial information, the potential impact on my credit score, and the lack of accountability from Tesla regarding this fraudulent activity. 

I am requesting immediate attention to this matter and a formal investigation into the unauthorized credit inquiries initiated by your XXXX representative. If this issue is not resolved promptly, I am prepared to escalate it by filing formal complaints with the FTC, CFPB, and the Illinois Attorney Generals Office, as well as seeking legal counsel for potential violations of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL CREDIT SYSTEMS regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  Balance : {$1000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL CREDIT SYSTEMS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Hi, I travel out of state for work. And I received a letter in the mail by XXXX  XXXX ; stating I used XXXX XXXX XXXX services on XX/XX/year> at XXXX to deliver something to XXXX address I have lived in the past using my name. However, this is not true because I was not in the state when it took place nor did I ship or mail anything. And I believe someone is using fraudulent activity in my name. The amount requested by XXXX  XXXX XXXX XXXX was {$35.00}. But since I didnt know I had received the letter it was transferred to a debt collector called Trans world system inc ( tsi ). I tried to dispute the debt by calling but every time I call someone picks up and then disconnects when I give the reference/file #.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OH

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 non-monetary relief
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
Several late payments showing up on my credit report and the accounts were closed/discharged through bankruptcy. [ 15 U.S.C. 1681e ] b. Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Accounts that are closed/ discharged through bankruptcy but reporting late balances : XXXX XXXX XXXX showing 3 missed payments -XXXX XXXX XXXX- showing 8 missed payments - XXXX- showing 6 missed payments XXXX XXXX-showing 6 missed payments -XXXX XXXX- showing 5 missed payments -XXXX XXXX XXXX XXXX- showed 5 missed payments -XXXX XXXX-showing 5 missed payments -XXXX XXXX XXXX showing 4 missed payments -XXXX XXXX- showing 1 missed payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Follow up file number XXXX Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain on XX/XX/year>. I received a response stating that the account were verified on XX/XX/year> I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( b ) To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.im requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) Per FCRA you are required to provide me this information within 15 days or delete the information

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 2025-04-18 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-04-18 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : 15 U.S.C. 1681i ( 7 ) : You are required to provide a detailed description of the investigation within 15 days of a dispute. This has not been fulfilled.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) : You are obligated to verify reported accounts using the original signed contract. Without this, the account must be removed.

15 U.S.C. 1681e ( b ) : All data must reflect maximum accuracy. In case of doubt or failure to verify, the entry must be deleted according to 1681i ( a ) ( 5 ).

Failure to Investigate Properly : 15 U.S.C. 1681i : You failed to complete a proper investigation within the 30-day legal window.

15 U.S.C. 1681c-2 : The identity theft information was not blocked within 4 business days as required.

Under 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable data should have been removed.

15 U.S.C. 1681e ( b ) : You must justify how your internal procedures ensured the accuracy of my credit file. I request full transparency.

Requested Resolution : I am requesting that the CFPB intervene and that these fraudulent accounts be permanently deleted from my report without further delay.

A prompt and lawful resolution is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Experians refusal to investigate the disputes I have submitted. On XX/XX/XXXX, I sent a dispute letter to Experian requesting that they investigate certain inaccuracies on my credit report. I followed up with another dispute letter on XX/XX/XXXX, as the issues had not been addressed. Despite providing all necessary documentation, including a copy of my photo ID, Social Security card, and a utility bill with both letters, Experian has failed to investigate my disputes. 

On XX/XX/XXXX, I received an email ( attached ) from Experian acknowledging receipt of my letters. However, the email inaccurately claims that the letters came from someone else, which is completely false. The documents I submitted clearly identify me as the sender. It seems that Experian may be incorrectly assuming that I am using a credit repair company, which, if true, is entirely legal. However, this assumption should not be a reason to dismiss my disputes or deny me the investigation I am legally entitled to. 

Experian is legally obligated to investigate the disputes I have submitted, as I have the right to know what is on my credit report and to have any inaccuracies investigated, validated, and either corrected or deleted. By refusing to do so, Experian is neglecting their duties under the law. 

I am requesting that the CFPB investigate Experians failure to handle these disputes properly and ensure that my rights are upheld. 

I am attaching the most recent dispute letters but I have more letters that were sent, dating back to XXXX of XXXX, that they failed to investigate. If you need them, please let me know.

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 2025-04-18 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: NJ

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Incorrect Late Payment Remarks ( reporting in 3 bureaus ) XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Reported Past Due Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have a XXXX American Express XXXX XXXX card where the " fine print '' terms of the card are purchase protection, 120 day window from LAST transaction, not the first. American express is refusing to dispute the charge in spite of me getting enormous evidence on this service was wrong, inadequate and caused damage to my vehicle. 

I had talked to American Express about a previous dispute and ran into similar issues but it was said that for a service, such as vehicle mechanical repair, the terms of 120 days from LAST interaction with the merchant and also where PROOF of damage has occurred. 

American Express is refusing to dispute the charge and won't even look at the clear cut damaging evidence. I also had to get PROOF, per their own instructions, and this required me to go to a different mechanic and obtain photos, details and also repairs. 

American Express XXXX on their own INSTRUCTIONS for disputes and then insults further the small business owner with condescending platitudes of faux pas empathy. 

American Express small business purchase protection is a scam, a bait and switch to lull small business owners believing they are protecting and can be further victimized later by American Express. On the phone with supervisors, they would change the terms and procedures from the original print and previous instructions! Bait and Switch tactics. 

Further I discovered that in spite of being an LLC with an XXXX, American Express is using my personal social security number for this card including credit reporting. That makes this a " business '' card useless and mute. They also present " offers '' and if you click on them their website claims you are applying for their product, which of course further damages your credit due to trying to apply for too many credit cards. 

For documents it is by phone and on American Express website including the 120 day window, requiring the business to obtain proof before submitting dispute and contact the business before filing dispute. I did all of this and then they reneged on their own terms and instructions.

Company response to consumer: Closed with explanation