vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: DE

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch Block LLC wasted no time suing me, even after I requested a copy of how they obtained my personal information and whether this alleged debt was sold or transferred. Instead of providing those copies, they went straight to filing a lawsuit. That's not how this should work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I learned my credit card with XXXX limit was decreased. When I called to inquire about what happened I was advised that Equifax, XXXX and XXXX shared third party information about my credit profile that caused XXXX to lower my limit. I have never been late with XXXX payments are taken each month by automatic draft. My score score have dropped from XXXX and XXXX due to this incident. In addition to that my Equifax, file was frozen due to a data breach. I have several inquiries that I did not authorize and I am requesting that all of the inquiries I did not authorize be removed from 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 non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
On XX/XX/year> I learned my credit card with XXXX limit was decreased. When I called to inquire about what happened I was advised that Equifax, XXXX and XXXX shared third party information about my credit profile that caused XXXX to lower my limit. I have never been late with XXXX payments are taken each month by automatic draft. My score score have dropped from XXXX and XXXX due to this incident. In addition to that my Equifax, file was frozen due to a data breach. I have several inquiries that I did not authorize and I am requesting that all of the inquiries I did not authorize be removed from 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
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
I was notified My personal information was involved in a data breach, which is very unfortunate. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed! CREDIT ACCEPTANCE {$12000.00}, FAIR COLLECTIONS AND OUTSOURCI {$680.00} I DO NOT HAVE ANY CONTRACTS with them! XXXX XXXX XXXX XXXX XXXX REMOVE I AM NOT ASSOCIATED WITH THESE ADDRESS **XXXX XXXX XXXX ** Please remove all inquiries ** FERPA LAW ** XXXX!! XXXX XXXXXXXX I HAVE NO CONTRACT WITH XXXX PARTY TO DISCLOSE MY PERSONAL STUDENT INFORMATION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
I was notified My personal information was involved in a data breach, which is very unfortunate. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed! CREDIT ACCEPTANCE {$12000.00}, FAIR COLLECTIONS AND OUTSOURCI {$680.00} I DO NOT HAVE ANY CONTRACTS with them! XXXX XXXX XXXX XXXX XXXX REMOVE I AM NOT ASSOCIATED WITH THESE ADDRESS **XXXX XXXX XXXX ** Please remove all inquiries ** FERPA LAW ** XXXX!! XXXX XXXXXXXX I HAVE NO CONTRACT WITH XXXX PARTY TO DISCLOSE MY PERSONAL STUDENT INFORMATION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: KS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
I have received several different types of information that was incorrect on my credit reports. I contacted XXXX XXXX XXXX for my complaint of them saying they removed these problems. They charged me {$160.00} a month to take care of the leading false information on my credit report it never did so. I paid them for over two years and did not see one difference on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-04-01 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 
15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2025-04-01 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally address the motion for default I received regarding my account. I submitted documentation regarding my XXXX, yet I was informed that it was deemed insufficient. I am extremely disappointed that Navy Federal has stated I have not responded, despite my multiple attempts to seek assistance and provide the necessary information. 

I have been a loyal customer of Navy Federal for many years and have successfully paid off three credit cards. Before my account ever reached a negative status, I proactively contacted your bank multiple times to explain that I was experiencing financial hardship due to my XXXX. My income had significantly decreased, and I was also required to travel to XXXX, Florida, for multiple surgeries at the XXXX XXXX. Additionally, I reached out to XXXX and XXXX to inquire about the proper process for submitting documentation regarding my situation. However, despite my efforts, I received a letter stating that I had failed to prove my circumstances. This is particularly frustrating given that I am on XXXX XXXX XXXX XXXX XXXX XXXX ), and my records clearly support my claim. 

Furthermore, I made several attempts to seek assistance before my account became delinquent, as I was awaiting a judges decision regarding my case. At one point, a representative from your department acknowledged that I should have been placed on a different program and that the payment should have been adjusted. I advised them to review the call recordings, as I had been misdirected through no fault of my own. 

What I find most troubling is that the bank is now suggesting that I am not XXXX, despite the substantial medical documentation I have provided. This is not only incorrect but also unjust. I am requesting a thorough review of my case, including the calls I made prior to my account becoming delinquent, and I ask for clear instructions on how to properly submit any additional necessary documentation under the Servicemembers Civil Relief Act of 2003. 

I also request that any negative reports or marks made on my credit report related to this account be reviewed and removed or corrected. Due to the circumstances outlined, including my attempts to communicate with Navy Federal, my financial hardship, and the banks oversight, I believe the negative marks on my credit report were unjustified. I request that my account be reported as current and in good standing moving forward. 

I urge you to rectify this matter fairly and promptly. Please provide a direct point of contact so that I can ensure my documentation is reviewed appropriately. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, I disputed a XXXXXXXX XXXX XXXX XXXX XXXX XXXX charge-off tradeline showing a {$2200.00} balance. The account reports a Date of First Delinquency of XX/XX/XXXX, Last Payment on XX/XX/XXXX, and continued updates through XX/XX/XXXX. These dates are inaccurate and re-age the account in violation of FCRA 623 ( a ) ( 5 ). 

XXXX reviewed the same tradeline, found it inaccurate, and modified their reporting. Experian have not provided results or corrections. I have not received documentation from XXXX or this bureau verifying the reporting. 

I am requesting deletion of this tradeline or full correction reflecting the actual charge-off and DOFD, with all post-charge-off updates removed. This tradeline is damaging my credit and remains inconsistent across bureaus.

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 2025-04-01 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: CA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the fraudulent accounts that have appeared on my credit report as a result of identity theft. I have attached my official FTC Identity Theft Report ( Report # XXXX ), my government-issued ID, and proof of address for verification. 
The following accounts were fraudulently opened in my name without my knowledge or authorization : XXXX. XXXX - Account Number : XXXX - Opened fraudulently : XX/XX/XXXX - Discovered : XX/XX/XXXX - Amount : {$7500.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened fraudulently : XX/XX/XXXX - Discovered : XX/XX/XXXX - Amount : {$1300.00} These accounts are not mine and are severely impacting my credit and personal life. I am currently applying for a student loan, and this fraudulent activity is creating significant obstacles. 
In addition, I am requesting the removal of the following unauthorized hard inquiries, which were made without my permission and are a result of identity theft : XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report as they are fraudulent and negatively impact my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

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 XXXX 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 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 2025-04-01 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: CT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
In XXXX I received a notification from my bank that my credit score had gone down. I noticed that I had a collections notice from AMSHER COLLECTION SERV for {$5500.00} from XXXX XXXX XXXX. Another appeared from XXXX XXXX XXXX XXXX for {$180.00} from XXXX. I have never had either of these types of accounts and believe they were opened fraudulently in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
I do all my checking and savings at Keybank and most of my banking is completed online. That is where I saw a promotional rate of 5 % on a certificate of deposit for a 12-month term. So last XXXX ( XXXX ) I tried to open a CD online at this rate, but there was a problem with the bank website, and it would not allow me to continue the transaction. The site said I should call a number to get assistance. 
I called and a woman answered and said she could help me complete the transaction. I told her I would like to invest {$10000.00} in a CD at a rate of 5 % for a 1-year term. 
Fast forward to XXXX XXXX when I receive a letter saying that my CD will mature soon, and I will earn {$0.00} on my CD which is less than 0.005 %. The letter said the rate I invested at was 0.05 % for 12 months which does not even compute to {$0.00}. 
I called the bank to alert them to what I perceived to be an obvious error, but was told there was no error. I will make {$0.00}. So, I immediately closed the account and took a penalty of a couple dollars because I could make much more in my regular savings account.

I filed a complaint, and they opened a case for me at the " executive office ''. 
Several weeks later I received a call saying my case was reviewed and there were no mistakes made by Keybank. So I lost a couple dollars on a 12 month investment of {$10000.00}.

Company response to consumer: Closed with explanation