vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
This is the fourth time I have submitted this report and I keep having Equifax declare the information is invalid. I have contacted Equifax more than XXXX times within the last XXXX weeks and have been misinformation each time, even from XXXX. Tonight, I spoke with Supervisor XXXX and he advised that I should send with the FTC report, a copy of my Driver License and SSN card. They are attached below. 

I initially contacted XXXX XXXX XXXX XXXX XXXX  ) to inquire about credit report finding and received response that they were collecting on behalf of XXXX XXXX XXXXXXXX XXXX First, I do not have a contract with or have done any business with XXXX and they do not have any legal authority to collect any money from me. Second, they emailed a bill dated XX/XX/year> with the Apartment No : XXXX and in the amount of {$4300.00}. I asked XXXX to email me a copy of the lease and refused to do so. They suggested that I contact the XXXX XXXX which I did, but they referred me back to XXXX. The reason they are unable to email a lease is because they do not have a lease for Apartment XXXX. Please assist in getting this information removed immediately from all credit reporting agencies. Under the FCRA 15 USC 1681 all crediting reporting agencies are supposed to investigate all disputes and XXXX have failed to do so. I spoke with XXXX and was told that I needed to resubmit the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
Your credit report contains multiple fraudulent and unauthorized accounts that do not belong to you. These negative items appeared as a result of identity theft, likely stemming from the widely reported XXXX data breach, which exposed sensitive personal information. Despite having a fraud alert already placed on your Experian file, several collection accounts and charge-offs were wrongfully added without your consent or verification. These accounts are inaccurate, unverifiable, and are causing significant harm to your credit profile. And 15 U.S.C. 1681c-2 mandates you block and delete them within 4 business days of receipt of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights, including my right to privacy, confidentiality, and accurate reporting. Specifically, these accounts are in violation of the following federal statutes and regulations : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Protection of nonpublic personal information 12 C.F.R. 332.4 Failure to provide required initial privacy notice to the consumer 15 U.S.C. 1681i Inadequate procedures in case of disputed accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Unauthorized use of consumer reports beyond permissible purposes 15 U.S.C. 1681s-2 Failure to meet responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1691e Civil liability under the Equal Credit Opportunity Act 15 U.S.C. 1692e Use of false or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in the course of debt collection 15 U.S.C. 1692f Engagement in unfair or unconscionable practices 15 U.S.C. 1692c Improper communication in connection with debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to adhere to proper timing of credit card payments 15 U.S.C. 1681e Failure to maintain reasonable procedures to ensure maximum possible accuracy XXXX Opened XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} Dept of education/XXXX Opened 5XX/XX/XXXX Balance {$1100.00} Dept of education/XXXX  Opened XX/XX/XXXX Balance {$2300.00} As such, the accounts in question are in direct violation of my federally protected consumer rights.

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 2025-06-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
RE : Fraudulent Accounts and Inquiries Immediate Action Required ( XXXX : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : XXXX XXXX XXXX ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : XXXX XXXX. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
XXXX XXXX XXXX Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Inquiries : XXXX. THD/CBNA Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under XXXX XXXX XXXX ( XXXX ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Better Business Bureau XXXX BBB ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
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 non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. 

My name is XXXX XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. 

I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. 

I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Reported late payments but I have made payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. ) am balance {$390.00}, XXXX balance {$1600.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. ) am balance {$390.00}, XXXX balance {$1600.00},

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 2025-06-09 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, while stationed in XXXX XXXX as a XXXX XXXX XXXX, my phone broke. Because I urgently needed a working device for duty the next day, I purchased a used phone that night from a local South Korean electronics store. The store clearly stated I could exchange the phone within 3 days if any defect was found. 
Within 3 days, I discovered the phone was defective it could not make or receive phone calls and could not record voice. I immediately contacted the store, and they initially replied. However, every time I visited the store in person, it remained closed, and eventually the seller stopped responding. 
Unable to return the item, I filed a dispute with Chase ( my credit card provider ). I explained the situation and emphasized that I could not return the phone because the store was closed. Meanwhile, I purchased a new device from XXXX XXXX ( XXXX ) and had it shipped to me on XX/XX/year> to continue my duties. 
A few months later, after I had returned to the United States, Chase notified me that they had decided in favor of the seller. The seller submitted documents that were not in my name, and I provided evidence showing all communication between me and the seller including proof that returning the phone was impossible. But if Chase had informed me that a return was mandatory for a favorable decision, I would have left the phone at the closed store with photographic proof before leaving XXXX XXXX, Unfortunately, I was never given that guidance while initiating the dispute. 
Despite the extensive time I spent collecting evidence, visiting the store repeatedly, and cooperating with the dispute process, Chase rejected my claim and sided with what I consider a scam company. To this day, I have received no refund, was left with a broken phone, and feel deeply disappointed by how Chase handled the situation. 
I am submitting this complaint because I believe the outcome was unfair, misleading evidence was accepted, and Chase failed to protect me as a consumer. This incident has haunted me for over five years, which is why I have decided to share my story with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. ) am balance {$390.00}, XXXX balance {$1600.00},

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 2025-06-09 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: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX a ) XXXX - XXXX XXXX XXXX XXXX a ) XXXX ( B ) XXXX - XXXX XXXX XXXX XXXX a ) ( XXXX ) B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P XXXX U.S.C XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-06-10 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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
-Please provide original signed promissory note signed by me -please provide chain of custody of my loan -please provide my payment history -please provide legal documents of authority of loan transfer Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Hello I noticed these inquires on my report and I didn't authorize them. 

XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
According to 15 use 1681 I have the right to disputes inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL CONTRACT bearing my signature & explanation of the amount and how it was calculated. I would like for the accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed from 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 2025-06-10 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: GA

Complaint narrative:
I have reviewed my credit report and have contacted XXXX several times in regards to accounts reporting on my credit report, I have not applied for in my name or authorized Per FCRA please have XXXX to delete these unauthorized accounts -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 non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that the account be deleted from collections since that account is paid and is affecting my 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