vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1681XXXX  which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1681XXXX  which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute a collection account listed on my credit report. The account appears under. XXXX XXXX XXXX XXXX. 

This account is inaccurate for the following reasons : This account was charge off and delete as a result of reporting in accuracies from original creditor., " I do not recognize this debt, '' " This account was previously deleted. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this incorrect information. Please send me written confirmation of the outcome. 

Enclosed are copies of any relevant documentation supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute a collection account listed on my credit report. The account appears under. XXXX XXXX XXXX XXXX. 

This account is inaccurate for the following reasons : This account was charge off and delete as a result of reporting in accuracies from original creditor., " I do not recognize this debt, '' " This account was previously deleted. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this incorrect information. Please send me written confirmation of the outcome. 

Enclosed are copies of any relevant documentation supporting my claim.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TRANSUNION 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 explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
This account has been re aging illegally on to my credit report which is a direct violation of my consumer rights as a federally protected consumer Account Name XXXX XXXX XXXX XXXX  Account number XXXX Account status : closed Date opened XX/XX/year> Per 15 usc 1681s-2b this creditor has been re aging this closed account for months. This is a direct violation of my consumer rights. 15 U.S.C. 1681c ( a ) This section outlines the time limits for reporting adverse information, this account must not be updated it must be REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Account # XXXX {$420.00} XXXX  XXXX XXXX XXXX XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account stated above and cease and desist from further collection and latter communication, with complete removal from my credit report or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Climb Credit Inc.
State: MA

Complaint narrative:
I took a student loan out on Climb Credit for a a company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were supposed to provide proper training and support, which they had not done, for 6 months. And in those 6 months, the agreement was that they would help me land a position that I would be trained for before then, or by the end of the 6 months they would cancel the loan. 

The loan was for {$15000.00}. This was all the way back in XXXX. It is now XXXX and they are still charging me for it. I had some personal issues that had begun soon after that affected my availibity and took a break from the program XXXX XXXX was doing, and when I returned, they had not been in contact and not had done anything since then. And I had as well got in email from before where they confirmed they would cancel after 6 months if they didn't manage to help and land me a job, which they still have not. 

As you can see through the email I have uploaded, they have laid their terms out. I have attended every interview I was able to do, there are times where they would schedule interviews without letting me properly schedule and then expect me to manage it through despite I was having serious personal issues, yet I still had done my best to attend. I had kept contact and communicated with their team who had kept in contact with me, until soon afterwards the break they just have not. And I've taken the application seriously, which I find condescending and stupid to mention in a way, because why would I loan out so much money otherwise, as it is risking my livelihood?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
My identity was compromised when I moved XXXX yrs ago. Several utility bills have been put in my name, along with credit cards put in my name that I was unaware of. I have been fighting for my credit since I found out around late last yr. This has kept me from establishing my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX is reporting on my credit report with Equafix. After contacting the creditor I asked for the address they gave on file, also the original creditor, and the wet signature and contract agreement that I have with LVNV since there reporting themselves as the Original Creditors. They ARE NOT the original creditors Credit XXXX is, also the address they have on file for me I have never stayed there so my question to the credit bureau is What method did you use to verify this debt is linked to me besides name. Where is the contact with the original creditor that I asked them to provide. And why is the collection company reporting as the Original Creditor, when they told me theyre not Credit one is. Any inaccurate information or incorrect information must be removed. Any information that cant be properly verified must be removed. Equifax and XXXX has done neither. Nothing has been verified and confirmed to belong to me by these companies. And Equifax you wrote me and told me to stop disputing this account even though its incorrect and inaccurate. Thats against the FCRA because as a consumer I have the legal right to report anything that doesnt belong to me under Code15 usc 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 discovered several hard inquiries on my credit report that I did not authorize. These inquiries are from companies I never applied to, including 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. I submitted disputes with the credit bureaus and included an FTC Identity Theft Report, but the inquiries remain. I believe this is a violation of the Fair Credit Reporting Act and am requesting help with getting them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I discovered several hard inquiries on my credit report that I did not authorize. These inquiries are from companies I never applied to, including 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. I submitted disputes with the credit bureaus and included an FTC Identity Theft Report, but the inquiries remain. I believe this is a violation of the Fair Credit Reporting Act and am requesting help with getting them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 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: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, Im contacting for help from a student loan account, I had no idea that this account was delinquent until it hit my credit report with a 90 day delinquent fee. It had only shown to be in a forgiveness/freeze/up to date on credit sites. I immediately reached out to nelnet, in which they had all the incorrect contact information and had been calling the wrong phone numbers. I then requested a forbearance/payment plan. I genuinely feel that this remark is unjust and unfair and I am requesting the delinquent remark be removed. I strongly feel the communication was poor on behalf of nelnet, I never received any official documentation via mail either of any delinquency. This feels truly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable. 
In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I do not have any knowledge of this account. This account does not belong to me. This account contains inaccurate or missing information. Due to the FTC and CFPB, by law, the account must be remove at once from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have recently received the copy of my credit report and I noticed several and inaccuracies and none authorized accounts/information reporting to my credit report. These remarks has been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on Wednesday XX/XX/year> at around XXXX I received a call from who I believed was the police department asking me to pay my fees because of a missed jury duty. They gave me badge numbers, citation numbers, had my old address, email, phone number and urged that if I did not take care of this matter a deputy would be sent to my place of employment. Which I could not risk as this job is my source of income and very important to me. I dealt with the matter and was pressured into making a payment of {$590.00} x 3 times as the scammer said I had XXXX different fines to attend to. 
Shortly after the call, within the hour i found out I was scammed and immediately was filing a claim with my bank. 
My bank, Wells Fargo, began an investigation which they said would take at least 10 days. 
I called XXXX XXXX right away soon after getting off the phone with my bank and they said they would not be able to help me. 
I asked to speak to a higher up since this has never happened to me before and they still refused. 
The next day I contacted my bank and asked for an update, they said that they were still looking into it and it would be a minimum of 10days. 
I went to the police department to file a report. 
I called my bank again and asked if that would help my case, they said that it wouldnt do much on the bank end of things and it wouldnt be best to wait until the 10 days for investigation are final. 
Today XX/XX/XXXX my claim was denied with my bank and they told me to contact apple pay. 
it hadnt even been 10 business days!

I really need this money and was only willing to use it because I believed it was the right thing! I am upset that as a long wells fargo and apple pay user, that the one time I was coerced into paying and sending someone money Id have some support.

I am a broke full time employee who takes care of my mom and I just need a break. 
I did everything I could.

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 2025-05-07 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am formally disputing inaccurate and non-compliant information on my credit report, as identified in my recent review of the Equifax credit report. I believe these inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, and I request immediate investigation and correction of the reported information.

Under the FCRA, 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information and correct or delete any inaccurate or unverifiable data within 30 days. Additionally, as a furnisher of credit information, you must adhere to Metro 2 standards, which ensure accurate and consistent reporting of consumer credit data.

Company response to consumer: Closed with explanation