vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
Address that are on file are incorrect I have never live XXXX these I called and requested it to be removed from my credit file due to fraud. I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX  XXXX TX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX XXXX XXXX  XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX These account are fraudulent I have no knowledge of these accounts on my file and needs to be removed immediately due to fraud I am a victim of identity theft XXXX Account Number XXXX Date Opened XX/XX/XXXX Credit Limit {$200.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXXXXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$5000.00} XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$52.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$980.00} XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1500.00} XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries are fraud and needs to be removed. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I have submitted to the credit bureaus to have this removed from my credit file immediately. I am a victim of identity theft and I have no knowledge of the accounts listed these are fraudently and needs to be removed immediately. I have already reached out to the credit bureaus for assistance and I have not got a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
The Spring Oaks company, keep calling any time any day ( holiday and everyhing ) I received an offer via text on XX/XX/XXXX that they would like to assist me with my debit, from {$12000.00} they went down {$7600.00}. 

I tried the options online to make a plan payment based in what I can pay. 

They are saying that I have enough money to pay {$1000.00} per month and the charge final charge went up again to {$12.00}. 

I tried to negotiate and they are not open to do it. 

They want to know all my expenses, I think this is abusive, since I am saying what I can pay without suffer any damage. 

I am in so much stress because of it, that I had to start to take clonozepan to help me calm down. 
Sounds like they don't want you to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-18 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: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A.
State: VA

Complaint narrative:
I was in an active dispute about my account with Equity Experts. When I submitted proof that they filed an illegal lien and the fees were illegal per the contract they no longer hold with my HOA, they sold the account to XXXX and XXXX. I contacted them immediately via phone and email advising this debt is still under dispute and requested a number of documents to prove what they are collecting. They refuse to respond to voicemails or any emails that I send but also refuse to remove the illegal lien and remove fees from my account. How am i supposed to handle these fraudulent things if they wont respond to me? Its my legal right to ask for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX back of America closed my account with no explanationthis been a hassle for meI was told I could withdrawal my funds and I also had a deposit come XXXX XXXX put in a request and it was approved but Im just having a hard time receiving my fund .. I been a customer for 13 years and I have been scam and with my moneyI want to reopen my account

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 monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX  XXXX * * * * Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-04-18 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with the credit reporting act. This creditor has violated my rights. under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 U.S.C 1666B a creditor may not treat a payment on a account under and open and consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I purchased a van from XXXX. They have the bank Ally as there lender. I'm trying to set up an online account with them to be able to pay my bill. Each time I try to create my account a message pops up stating " The information I provided isn't correct '' and that I need to call in speak with someone to resolve the issue. I call in and give them all the correct info. Once I called in they agreed that i am inserting the correct info. But the first couple times I've called about it they told me they needed to get with their tech department to resolve the problem. I waited a week or so and tried again and the same thing happened. I called back in and even though I knew I was doing everything correct I had them baby step me through the process so I knew everyone was on the same page. I even brought up about the issue and they said they took care of it, " but obviously not. '' They then told me they were going to reach back out to their tech department and get the issue resolved. I now have waited over 1 month and called back in. Again same thing. I had the person Baby step me through the process and after it did not work, it seemed the gentleman didn't know what to do so he hung up on me. i was not vulgar but very content with him. I called back immediately and gave my information to get connected with someone. But the lady said she couldn't help me due to my info not being correct. I told her that I've spoken with multiple people and have gotten through to try and resolve this issue. But she repeated herself and said she couldn't help me since my info was incorrect. The only info she had asked for was my account number and name. From all of this I gather that they don't want you to set up an account so you'd have to call in so they can charge you extra to pay over the phone with a credit card. I shouldn't nor my secretary shouldn't have to do that since we are so busy with everything else. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO 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 TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE 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 2025-04-18 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: NC

Complaint narrative:
I am writing to dispute the reporting of an auto loan account that appears on my credit report under my Social Security Number. I did not provide my Social Security Number in connection with this account, nor did I authorize the use of my SSN or give consent for this account to be reported under it.

The account in question is : Creditor/Dealer Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> This account was added to my credit report without my permission. I am requesting that it be removed immediately unless you can provide documented evidence that I consented to the use of my Social Security Number for this account.

Thank you for your promptattention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-18 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in validating an account currently reported as charged off. 

Despite multiple requests for validation and a formal dispute, XXXX has only provided a single page of the credit application and the last XXXX account statementsomitting the full contract, terms of agreement, full payment history, and calculation of the charged-off balance. 

Additionally, they have now issued a letter dated XX/XX/year>, stating they will not respond to any further validation requests, despite their incomplete submission. This obstructs my right under FCRA 611 to dispute and verify the accuracy of reported information.

Furthermore, I am concerned that XXXX  refusal to provide documentation while continuing to report this derogatory information may violate both the FCRA and potentially the FDCPA if collections resume.

Requested Resolution : I request that the CFPB ( and/or OCC ) conduct a full investigation. 

I request that XXXX XXXX be required to provide complete validation or have the account removed from all credit reports. 

I request that XXXX be held accountable for denying me my consumer rights under FCRA. 

Attachments : XXXX  XX/XX/year> response Credit report excerpt showing the account

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 2025-04-18 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: HI

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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