vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 




NEGATIVE ACCOUNTS : CLOSED : XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

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 2025-05-05 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$6000.00} XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXXXXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX BALANCED {$410.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX BALANCED {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
XXXX XXXX is Reporting on my credit file that I owe over XXXX in credit cards which I dont see any account numbers.I never received any 1099c forms.According to FCRA section 605B its illegal to report inaccurate information on my credit due to XXXX XXXX charged off/ Profit loss which means they have wrote it off and filed it on there taxes 15 USc 1681 S-2 15 USC-1681 EB this account can not be reported each month as a delinquency.

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 2025-05-05 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: SC

Complaint narrative:
My identity was stolen and the following accounts/inquires are not mine : XXXX Bank..... Account XXXX XXXX XXXX Of XXXX.... Account XXXX These XXXX are unauthorized : 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was going through my credit reports, and i noticed these unauthorized hard enquiries on my credit reports as follows : - EQUIFAX as follows : 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 XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and request the removal of unauthorized hard inquiries that have been placed on my credit report. I did not provide written authorization or consent for these inquiries, nor did I initiate any transactions with the companies responsible for them. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report for certain permissible purposes, which include written instruction by the consumer or in connection with a credit transaction initiated by the consumer. These inquiries were neither authorized by me in writing nor tied to any legitimate application for credit.

Additionally, 15 U.S. Code 1681b ( f ) prohibits any person from obtaining a consumer report under false pretenses or without a permissible purpose.

These unauthorized inquiries are negatively impacting my credit score and were made without my knowledge or consent, which is a violation of my rights under federal law.

Thank you for your assistance and for upholding the rights of consumers under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Saw the charge off on my credit report disputed and asked for proof of contract, my request was ignored and continued to be reported negatively on 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
To : Kimball , Tirey & St. John LLP I am formally disputing the alleged debt your agency has placed on my consumer report. You are in direct violation of several federal consumer protection laws, and I am demanding immediate corrective action. 

First, you reported this collection account to the credit bureaus without ever providing me with a legally required debt validation notice as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I was never given a fair opportunity to dispute the debt prior to your reporting, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

You have no legal authority to furnish or report this debt to any consumer reporting agency without first providing all disclosures and documentation required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

I am demanding the following : Immediate deletion of this account from all credit reporting agencies.

A complete and itemized validation of the debt, including : A copy of the original signed contract or agreement, The purchase agreement or bill of sale between your agency and the original creditor proving assignment of the debt, Proof that your agency is licensed and bonded to collect debts in my current state.

Cease all attempts to collect or report this debt unless and until the above items are provided.

Stop all communication with me via phone, text, or email effective immediately. I revoke consent under 15 USC 1692c ( c ).

Unless these violations are rectified, I will pursue all available legal remedies and continue to report your agencys conduct to the appropriate oversight and regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax failed to investigate or respond to dispute within 30 days. On or around two weeks ago, I submitted a written Method of Verification letter to Equifax requesting validation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I included all of the necessary documents including my full name, Social Security Number, date of birth, address, copy of my government issued ID, and proof of address. As of today, I have not received ANY written update, investigate results, or confirmation that the accounts were reviewed. Equifax has violated the Fair Credit Reporting Act ( FCRA ), which requires disputes to be investigated and responded to within 30 days of receipt. I followed up with a second letter to demand compliance and have yet to receive an appropriate response. These accounts remain on my report without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: SC

Complaint narrative:
b'This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or  authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.\nXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX, XXXX XXXXXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX Balance: $XXXX\nXXXX XXXX XXXX  Balance: $XXXX\nXXXX XXXX XXXX Balance: $XXXXXXXX\nXXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX Balance: $XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX  Balance: $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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a formal complaint against Capital One for inaccurately reporting information on a charged-off credit card account. I am requesting that this account be permanently removed from my credit reports due to repeated and material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies are currently being reported : An incorrect last activity date An incorrect last payment date A past due balance being reported after the account was charged off An inflated high balance inconsistent with the charge-off Under 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information. When such a dispute is submitted, the credit reporting agencies ( CRAs ) and the furnisher ( Capital One ) are required to conduct a reasonable investigation and delete or correct any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information has a duty not to report information it knows or has reasonable cause to believe is inaccurate. Capital One is continuing to report outdated and incorrect data, which is misleading and harmful to my credit standing.

I have previously disputed this information with the credit bureaus, and the errors have not been corrected. Since the account remains materially inaccurate and unverifiable, I am now formally requesting that it be permanently removed from my credit profile under the authority granted by the FCRA.

I request the CFPB to investigate this matter and require Capital One to comply with the law and remove this account from all consumer reporting agencies. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My card was stolen/lost, withdrawals of {$360.00}, {$500.00}, and {$100.00} on XXXX XXXX at XXXX XXXX XXXX XXXX am XXXX XXXX XXXX and did not authorize any of the withdrawals that occurred following the loss of my card. These transactions took place at the casino and were not approved by me. Although my pin was unfortunately written on the back of the card. I did not knowingly or willingly give anyone access to it besides my mom. I have reported the incident to the police. The report was filed with deputy XXXX h. Id XXXX. On XX/XX/XXXX Td bank representative sent me to a branch to provide documentation and to file dispute in person due to suspicious activity and I was still denied. This is unjust and wrong. I went to the branch in XXXX and work with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
b'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 2025-05-05 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 am filing this complaint because XXXX XXXX XXXX XXXX XXXXXXXX continues to inaccurately report a charged-off account ( Account ending in XXXX ) on my Experian credit report. Despite being charged off in XX/XX/XXXX, the account continues to be reported as CO ( Charge-Off ) every single month through XXXX. This repeated monthly reporting of the charge-off status constitutes illegal re-aging, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Additionally : The account still shows an active past-due balance of {$590.00} despite being written off. This is misleading and deceptive.

A Form 1099-C was never issued, which would be expected if the debt had been truly forgiven. 
I filed a formal dispute with Experian on XX/XX/XXXX ( Report # XXXX ), and Experian responded stating the information will remain unchanged without properly correcting or investigating the violations.

The account has not been updated accurately to reflect its true status and aging, and is unfairly damaging my credit score by continuing to report negative activity on an account that should have ceased updating in 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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: TN

Complaint narrative:
Reason : Reporting unverifiable student loans without original signed XXXX, in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NC

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


NEGATIVE ACCOUNTS PLEASE DELETE : : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor 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 explanation
Consumer complaint received 2025-05-05 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: NC

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


NEGATIVE ACCOUNTS PLEASE DELETE : : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor 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 explanation
Consumer complaint received 2025-05-05 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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