vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND 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 AND XXXX. 

Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing the bankruptcy information that appears on all 3 credit report. The XXXX  is listed as filed on XXXX XXXX case number XXXX in XXXX XXXX XXXX Tennessee XXXX XXXX. 

Upon reviewing my credit report from I noticed a XXXX  entry that I believe is incorrect. I have never filed for XXXX, and this entry does not pertain to me. It may be a case of mistaken identity or clerical error.

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 2025-05-16 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2025-05-16 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: TX

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 2025-05-16 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 requesting the removal of fraudulent information from your credit report due to identity theft. The report includes unauthorized accounts and inquiries that do not belong to me. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am asking for these items to be blocked and removed. I've attached a list of disputed items and an FTC Identity Theft Report. I also request a prompt investigation and written confirmation once the corrections are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the a Chase Bank to deposit XXXX XXXX and when I was finished there was an error on the screen saying ATM cant deposit your cash right now and I tried calling the number they gave me on the receipt but they werent any help in getting it back. ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-16 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: MD

Complaint narrative:
I submitted a complete and valid FCRA 605B identity theft request to Equifax on XX/XX/year>. This included my FTC Identity Theft Report ( Report # XXXX ), my government-issued ID, and my Social Security XXXX and a dispute letter asking for this to be blocked and deleted according to FCRA 605 ( b ). The report clearly states that XXXX  Case # XXXX was filed without my knowledge or consent and is the result of identity theft. 

Equifax has failed to block or delete the bankruptcy entry as required by law. They claimed there was an issue with the FTC report, but I am attaching proof that it meets all legal requirements. 

Under FCRA 605B, Equifax had 4 business days to remove this item. I am requesting the CFPB compel Equifax to comply and delete the fraudulent bankruptcy immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$86.00}

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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SEEING MULTIPLE FRAUDULENT ADDRESSES ON MY CREDIT REPORT THAT THE CREDIT BUREAUS MUST REMOVE FROM MY REPORTING. 
THE FRAUDULENT ADDRESSES ARE : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID ADDRESS IS XXXX XXXXXXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID PHONE NUMBER IS ( XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 SEEING MULTIPLE FRAUDULENT ADDRESSES ON MY CREDIT REPORT THAT THE CREDIT BUREAUS MUST REMOVE FROM MY REPORTING. 
THE FRAUDULENT ADDRESSES ARE : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID ADDRESS IS XXXX XXXXXXXX XXXX XXXX, CA XXXX MY CURRENT AND VALID PHONE NUMBER IS ( 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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
I signed a vehicle loan agreement with XXXX XXXXXXXX XXXX XXXX and Carolina Finance for a used 2015 XXXX XXXX. The vehicles value was around {$8000.00}, and I put down a {$1000.00} payment. However, I later discovered that I am being charged nearly {$30000.00} total through a XXXX loan at 29.99 % interest, with a monthly payment of {$480.00}. The amount financed was {$14000.00}, meaning more than {$6000.00} in fees and charges were added without full explanation. 

I was not clearly informed of how little would go toward principal during the first year of payments. After paying for almost a year, my balance has barely gone down. I believe this is predatory lending, as the terms were not fully explained, and the total cost is nearly XXXX times the vehicles market value. XXXX requesting that the loan be investigated and that the company be required to provide a full itemization of the amount financed and interest structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
XXXX. XXXX account not mines delete account ending. XXXX XXXX. XXXX XXXX I was never late on card. 
XXXX. Student loans : XXXX not mines XXXX. I never authorized hard inquiry for 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 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 2025-05-16 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

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 2025-05-16 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:
THERE ARE SOME FRADULENT INQUIRIES ON MY CREDIT REPORT THAT CREDIT BUREAUS MUST REMOVE : FRAUDULENT INQUIRIES ARE : XXXX ( XXXX XXXX  2024 ) XXXX XXXXXXXX XXXX  ( XXXX XXXX 2024 ) XXXX XXXXXXXX ( XXXX XXXX 2024 )

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 2025-05-16 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. Credit reporting agencies and creditors are required to investigate and correct or delete such information within 30 days. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debts not properly verified or reported with errors be removed or no longer reported. I am requesting a review and removal of the negative accounts that are in violation of these laws. 

Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
My federal loans, previously held by XXXX XXXX were paid off through Direct Consolidation in XX/XX/XXXX. However, they still appear on my credit report with an incorrect status and balance. Initially, I thought the issue was with TransUnion, but I've since been led to believe that the problem lies with XXXX XXXX On XX/XX/XXXX, I was informed that they, XXXX XXXX not received any dispute inquiries from TransUnion. Additionally, they told me that they had communicated the status of my loans to the credit bureau back in XX/XX/XXXX. I also tried to dispute these loans with Experian to no avail. Upon reviewing my credit reports from all three credit bureaus, I found that both of my federal loans are still being reported as open, with the last update to the account information dated XX/XX/XXXX. This means that the balance and status of these loans have not been updated in over a year. On XX/XX/XXXX, after multiple unsuccessful disputes, I finally reached out to XXXX via certified mail and provided proof, including my credit reports, and even included the payoff letter they sent me. On XX/XX/XXXX, I received an email letting me know that their investigation was deemed accurate and they will not be updating my loans. I am confused as to why XXXX is not updating my loans, despite the evidence I have provided. As a result of their erroneous reporting, my credit utilization rates are being inaccurately inflated, leading to financial harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have previously requested a chain of title and also an itemized calculation of debt including calculation of principal, fees, interest and other charges. 

I, XXXX XXXX, am hereby requesting purchase agreement made with original creditor, the chain of title, an itemized calculation of said debt, including principal, fees, interest and other charges. Legally all collection efforts shall be ceased until these documents are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am an Amex customer since XXXX. Its been a 9 years relationship with them. I still got email on XX/XX/XXXX talking the Amex card offer is inside but suddenly without any notification they cancelled my all credit cards ( XXXX total ) without any explanation. The only reason they gave me was misuse and without any clarification which card and which transaction was marked as misused. I still have more than XXXX rewards points on my account which worth $ XXXX. I called customer service plenty of times and no one could give me reason why and cant help me to give my rewards back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WA

Complaint narrative:
I am requesting the removal of fraudulent information from your credit report due to identity theft. Several accounts and inquiries listed are unauthorized, and I am asking for them to be blocked and removed as per Section 605B of the Fair Credit Reporting Act ( FCRA ). You have attached a list of the disputed items and your Identity Theft Report. I am requesting prompt investigation and written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: WA

Complaint narrative:
Im reaching out to demand a full and clear certification that every single piece of information linked to this account actually belongs to me. I want absolute confirmation that all data including personal details, transactions, inquiries, and any associated accounts are legitimately mine and have not been added in error or mixed with someone elses information.

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