vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
To : Dispute Department Date : XX/XX/XXXX Subject : Credit Report Inaccuracy Dispute Dear Dispute Department, I am writing to formally dispute inaccurate information I found on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information. However, I have identified the following accounts that contain incomplete or incorrect data : XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

The information reported for these accounts is not accurate or complete. Therefore, I respectfully request that you conduct an investigation and make the necessary corrections. Please provide a written response, including the results of your investigation and the sources you used to verify the disputed information. 

Attached are copies of my credit report and relevant supporting documents for your review. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CELL ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of a closed account by XXXX XXXX XXXX XXXX on my credit reports with Equifax and XXXX. 

Account Information : Creditor : XXXX XXXX, XXXX Account Type : Installment/Other Balance : {$0.00} High Balance : {$120.00} Closed Date : Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Open Date : XX/XX/XXXX Reported Delinquency : 90 days past due ( XXXX XX/XX/XXXX ) Reason for Complaint : Inaccurate Delinquency Reporting on a {$0.00} Balance Account The account is reported as closed with a {$0.00} balance, yet it reflects a XXXX delinquency in XX/XX/XXXX on XXXX. It is unreasonable and misleading to continue reporting delinquencies on an account that is closed and has no outstanding balance. 
Inconsistent and XXXX XXXX XXXX XXXX XXXX does not report the account at all. 
Equifax reports None Reported as the worst delinquency. 
XXXX reports 90 days past due as of XX/XX/XXXX. 
These inconsistencies demonstrate an inability to furnish accurate and verifiable information to all three credit bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, data furnishers must report accurate and complete information. Inaccurate late payments or derogatory remarks on closed and zero-balance accounts can unfairly damage a consumers credit score. 
This reporting may also constitute a violation of FCRA 623, as the information being reported is both inaccurate and incomplete, and does not reflect the true standing of the account at the time of closure.

Requested Resolution : Immediate deletion of the derogatory remarks and late payments associated with this account from all credit reporting agencies.

Removal of the entire account from my credit reports if accurate and complete data can not be verified and updated across all three bureaus. 
I am requesting that the CFPB investigate XXXX XXXX, LLCs reporting practices for potential violations of federal consumer protection laws and take appropriate regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My loan went to charge off but I personally never received a notice. I know I was late on my loan and when I tried to catch up on payments they had already closed my account. Now I have to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts 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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: IL

Complaint narrative:
I have list of inquires and accounts to be disputed Inquiries are below 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 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 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 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 2025-04-08 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: IN

Complaint narrative:
I AM A VICTIM OF XXXX XXXX MY PERSONAL INFORMATION WAS STOLEN FROM ME. THE ITEMS LISTED IN THIS DOCUMENT WAS NOT AUTHORIZED BY ME IT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY FILE IMMEDIATELY. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX # XXXX - {$59000.00} XXXX XXXX  XXXX XXXX - {$11000.00} XXXX - XXXX XXXX - {$2100.00} XXXX XXXX  - # XXXX - {$59000.00} XXXX XXXXXXXX XXXX XXXX XXXX - {$360.00} XXXX - XXXX XXXX - {$3300.00} XXXX  - # XXXX - {$9400.00} XXXX XXXX  - # XXXX - {$6000.00} XXXX XXXX - # XXXX - {$8000.00} XXXX - # XXXX XXXX {$580.00}

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 2025-04-08 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: IN

Complaint narrative:
I AM A VICTIM OF XXXX XXXX MY PERSONAL INFORMATION WAS STOLEN FROM ME. THE ITEMS LISTED IN THIS DOCUMENT WAS NOT AUTHORIZED BY ME IT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY FILE IMMEDIATELY. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX # XXXX - {$59000.00} XXXX XXXX  XXXX XXXX - {$11000.00} XXXX - XXXX XXXX - {$2100.00} XXXX XXXX  - # XXXX - {$59000.00} XXXX XXXXXXXX XXXX XXXX XXXX - {$360.00} XXXX - XXXX XXXX - {$3300.00} XXXX  - # XXXX - {$9400.00} XXXX XXXX  - # XXXX - {$6000.00} XXXX XXXX - # XXXX - {$8000.00} XXXX - # XXXX XXXX {$580.00}

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX. Since XX/XX/year>, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX section of the AMEX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. 

XXXX. On the same day, I contacted AMEX to investigate the issue. I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto loan with XXXX. It is true that we had a vehicle lease with XXXX that was terminated early due to a total loss of the vehicle. However, after contacting XXXX, we were clearly told that they did not report any negative credit information as a result of the contract termination. 

XXXX. We then contacted XXXX directly. They found no record of any late payment entry on my personal credit file. 

XXXX. Despite this, AMEXs XXXX XXXX continues to display a late payment record attributed to XXXX. This discrepancy has gone unresolved and continues to harm my credit standing. 

XXXX. Since XX/XX/XXXX, I have reached out to AMEX, XXXX, and XXXX numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto XXXX another, leaving me to suffer the consequences of a mistake that no one is willing to fix. 

XXXX. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. 

I am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
XXXX. Since XX/XX/year>, I have discovered a highly concerning and completely inaccurate over 60 days late payment mark on my credit report, displayed under the XXXX XXXX section of the XXXX website. This false entry has caused significant damage to my credit score and has negatively affected my daily life. 

XXXX. On the same day, I contacted XXXX to investigate the issue. I was informed that the late payment record was provided by XXXX and was allegedly related to an early termination of an auto loan with Stellantis. It is true that we had a vehicle lease with Stellantis that was terminated early due to a total loss of the vehicle. However, after contacting Stellantis, we were clearly told that they did not report any negative credit information as a result of the contract termination. 

XXXX. We then contacted XXXX directly. They found no record of any late payment entry on my personal credit file. 

XXXX. Despite this, XXXX XXXXXXXX XXXX continues to display a late payment record attributed to XXXX. This discrepancy has gone unresolved and continues to harm my credit standing. 

XXXX. Since XX/XX/XXXX, I have reached out to XXXX, XXXX, and Stellantis numerous times. Not a single company has taken responsibility, and no one has been able to provide a clear explanation or solution. All three parties continue to shift the blame onto XXXX another, leaving me to suffer the consequences of a mistake that no one is willing to fix. 

XXXX. This is not a minor issueit is a serious failure in customer care, accountability, and data integrity. A false derogatory mark has been left on my credit record without any valid basis, and your inability to coordinate internally or across companies to resolve it is unacceptable. 

I am demanding immediate action to thoroughly investigate this matter and permanently remove the incorrect late payment mark from my credit report. I reserve the right to pursue legal action to protect my rights if this issue is not resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I filed a dispute for CURACAO account XXXX due to incorrect information reported. I have contacted the company for verification of account multiple times and have not received any response from them. They have not issued any verification of reported account. They have an incorrect address in which it is not my address associated to their account. I have sent multiple emails to their support email for assistance regarding the account with no response. I have also mailed them letters requesting verification. Curacao victimizes consumers through a variety of unlawful, unfair, and fraudulent business practices. The company has been sued by the State of California for their unlawful practices against their consumers. XXXX  has denied to follow up with the investigation. XXXX XXXXefuses to delete the account off my account without verifying the information. XXXX investigation is incorrect and incomplete as they are accepting inaccurate information as verified. I recently was notified that CFPB has filed a lawsuit against the company EXXXX They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. XXXX  has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX  is violating my rights as a consumer, as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA IS HOLDING FUNDS THAT I TRANSFERRED INTO THE ACCOUNT THEY RESTRICTED MY ACCOUNT AND NO LONGER WANTED TO BANK WITH ME I ASKED THEM TO CLOSE THE ACCOUNT AS IT'S MONEY FROM VA AND MY XXXX SAVINGS. I COULD FACE FORECLOSURE IF THEY DON'T SEND ME THIS MONEY BACK BUT {$23000.00} IS IN A SAVINGS ACCOUNT THAT I HAVE NO ACCESS TO. I KNOW DON'T HAVE FUNDS TO FEED MY FAMILY OR PAY FOR MY MORTGAGE AND USAA WILL NOT SEND FUNDS. I'M A XXXX VETERAN THAT RECEIVES FUNDS FROM VETERANS AFFAIRS INTO THESE ACCOUNTS CHECKING AND SAVINGS. USAA CONTINUES TO NOT EXPEDITE AND ALLOW ME TO USE MY OWN MONEY.

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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I sent a previous complaint and have just spoken with again, they are now stating that I owe them {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OK

Complaint narrative:
Repeated calls and emails about this debt that is not mine and not accurate

Company response to consumer: Closed with explanation