vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
Greetings, I am sending this complaint to request an investigation into the fraudulent account on my credit report. I ask that the three Credit Bureaus conduct an investigation into the fraudulent account as required by law. Please see below the listed fraudulent account that require investigation. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance {$7800.00} XXXX XXXX XXXX XXXX XXXX {$7800.00}

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 2025-04-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I got the e-mail from XXXX  about the credit with Harley Davidson. I tried to remove it since I just had to only co-signer. I dont have all the information related to bike. My nephew XXXX was responsible to pay for it. I have called him and told him couple time to remove my name. He just disappeared in thin air without inform me. Now Im stuck with negative with XXXX XXXX which I owned about XXXX. For my whole year I always paid on-time with my two other auto loans and my credit cards. This been good until he messed my credit with his stupid bike. Im kind of XXXX off with him as he broke his promise regarding to his bike. I was hopefully this account should be removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-21 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: NC

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I opened a regular checking account then I opened a business account. My first client sent me a wire for XXXX and gave me a check for XXXX I deposited and when the wire cleared I sent some money out XXXX and then my account froze right before XXXX XX/XX/year>. I went to the bank and US Bank. Located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX and they told me my account has been closed due to fraud then they sent me a cashiers check for the amount of. XXXX. I went to the bank talk to the manager. I told him if it was fraud. Why would they send me money? He opened me a new account and the rest of my funds {$5900.00} was still on hold he told me it was investigation Until now. I have got no money and they closed the account that he opened for me. Its almost 4 months now thank you for hearing me out managers name is XXXX XXXX branch XXXX for US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV 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 2025-04-21 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information appearing on my credit report and request its immediate removal pursuant to 15 U.S. Code 1681c2, which governs the blocking of information resulting from identity theft. 

I am a victim of identity theft, and the following account ( s ) do not belong to me and were opened or used without my knowledge or authorization : Creditor Name : XXXX Creditor Name : XXXX Account Number : XXXX Account Number : XXXX Date Opened : XX/XX/year> Date Opened : XX/XX/year> In accordance with 15 USC 1681c-2 ( a ), I am requesting that you block the reporting of this fraudulent information from my credit report. Enclosed with this letter are the following supporting documents as required : A copy of my government-issued ID A copy of a utility bill or other proof of address A signed Identity Theft Report ( optional but recommended ) A statement clearly identifying the disputed accounts and affirming that they are not mine and resulted from identity theft Under federal law, you are required to block this information from my credit report within four ( 4 ) business days of receipt of my request and the accompanying documentation. 

Please confirm in writing once the accounts have been blocked or if further information is required. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information appearing on my credit report and request its immediate removal pursuant to 15 U.S. Code 1681c2, which governs the blocking of information resulting from identity theft. 

I am a victim of identity theft, and the following account ( s ) do not belong to me and were opened or used without my knowledge or authorization : Creditor Name : XXXX Creditor Name : XXXX Account Number : XXXX Account Number : XXXX Date Opened : XX/XX/year> Date Opened : XX/XX/year> In accordance with 15 USC 1681c-2 ( a ), I am requesting that you block the reporting of this fraudulent information from my credit report. Enclosed with this letter are the following supporting documents as required : A copy of my government-issued ID A copy of a utility bill or other proof of address A signed Identity Theft Report ( optional but recommended ) A statement clearly identifying the disputed accounts and affirming that they are not mine and resulted from identity theft Under federal law, you are required to block this information from my credit report within four ( 4 ) business days of receipt of my request and the accompanying documentation. 

Please confirm in writing once the accounts have been blocked or if further information is required. Thank you for your prompt attention to this matter. 

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX RE : ALL 3 MJAOR CREDIT REPORTING AGENCIES PLACE A FREEZE ON ALL 3 OF MY REPORTS AND DELETE THE FRAUD REMANING MY IDENTITY HAS BEEN STOLEN AND MULTIPLE UNDER WRITTEN XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/year> RE : SEND THIS TO 3 MAJOR CREDIT REPORTS, XXXX ALL THE CREDIT COMPANYS & IRS My EQUIFAX, TRANSUNION, & EXPERIAN ACCOUNT HAS BEEN HACKED IN & REPORTING FALSE INFORMATION BY AN GUY CALL HIMSELF LANDLORD CORP HE USE TO CALL HIS SELF THE AIRBNB GURU HE IS FAKING!!! HE DONT KNOW HOW TO DO NOTHING BUT SCAM FOLKS OUTTA INFORMATION, MY IRS , UNEMPLOYMENT, XXXX ETC HAS BEEN HACKED BY THIS GUY LOL HES BASICALLY ME RIGHT NOW WETTING STUFF INTO MY NAME MY XXXX ACCOUNT RIGHT NOW UNDERTHE NAME XXXX XXXX XXXX XXXX LOGGED INTO MY PHONE THATS BEEN LOCKED UP FOR 3 DAYS HE IS LOGGING INTO MY GMAILS WHICH ARE XXXX XXXX XXXX XXXX & NOW HE IS INTO MY BABYS ACCOUNT I WANT TO TAKE FULL LEGAL ACTION THIS GUY EVEN HAVE A FAKE CONSUMER LAW THIS IS INSANE I WISH I COULD SUBMIT PICTURES PORTAL SO COULD SEE THIS I HAVE INFORMATION THAT HE LOGGED IN MY XXXX & ITS STILL LOCK I NEED TO BE REFUNED FOR EVERYDAY IT WAS LOCKED PLUS HE WENT INTO THE IRS WEBSITE AND TYPE OF TYPE OF STUFF INTO THE PORTAL LIKE I OWENED XXXX THATS FRAUD & FALSE INFORMATION I DIDNT EVEN FILE TAXES THIS YEAR CAUSE OF THAT SO I RECENTLY DELETE 3 OLD ACCOUNTS OFF MY CREDIT REPORT COME TO FIND OUT THIS DAM FOOL LOGGED ME OUT AND HAD THE INFORMATION REPORTED AGAIN BACK DOOR LOG INTO MY BABY XXXX WHICH IS RIGHT NOW & LOGGED INTO MY HIRE ACCOUNT, GO CHECK THE STATS THIS XXXX BEEN GOING ON DAM NEAR 3 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I am extremely dissatisfied with the failure XXXX comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data XXXX maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies XXXX take immediate steps XXXX rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXR XX/XX/XXXX XXXXL XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I am contesting the inaccuracies on my credit report as they are directly affecting my financial health and creditworthiness. Despite multiple attempts XXXX address these issues, the same errors continue XXXX appear. These repeated mistakes are damaging my credit score XXXX preventing me from accessing essential financial opportunities. It is vital that these discrepancies be thoroughly reviewed and corrected immediately. 

If these issues are not resolved within an appropriate timeframe, I will take legal action for any resulting damages, including seeking compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting XXXX correction through your company.

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 2025-04-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I have XXXX  different college loans it shows on my credit report, the college took these loans and the college shut down XXXX XXXX in XXXX NY are they pretty much took these out and ran the loan amounts {$6100.00} {$3500.00} {$2600.00} {$2500.00} {$2100.00} {$1600.00} Everything is {$18000.00} Also I have XXXX more collection on my report ( Portfolio Recovery A ) for {$680.00} please help with that also thank you I really appreciate you guys keep up the great work.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I wrote XXXX formally dispute XXXX demand immediate removal of fraudulent account records currently associated with my name and identity in your database. I have never, under any circumstances, opened accounts with XXXX XXXX or XXXX XXXX Bank. The presence of these accounts on my Early Warning report is the result of identity theft. 

Details of the fraudulent accounts are as follows : XXXX XXXX XXXX Bank Bank Name : XXXX XXXX LA Routing Number : XXXX Account Number : XXXX Opened : XX/XX/year> | Closed : XX/XX/year> Status : Closed For Cause Purged Name Used : XXXX, XXXX Fraudulent Address Used : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Email Used : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX  Bank - XXXX Routing Number : XXXX Account Number : XXXX Opened : XX/XX/year> | Closed : XX/XX/year> Status : Closed Purged Fraudulent Address Used : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Let me be absolutely clear : I have never lived at XXXX XXXX XXXX XXXX XXXX, TN. 
I have resided at XXXX XXXX les Cove XXXX XXXX, XXXX, TN XXXX for the past XXXX years. The personal XXXX financial information used to open these accounts was obtained and used fraudulently. These are crimes of identity theft, XXXX I am a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY XXXX 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 XXXX DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS XXXX 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, CHALLENGED OR NOT.

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 2025-04-21 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: MD

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