vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for illegally reporting inaccurate, unverifiable, and misleading information on my credit file. 

XXXX is furnishing information that is false and damaging to my credit profile. I have never authorized XXXX, XXXX to collect, use, or share my confidential information. Their actions are in direct violation of federal law, and they have completely failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection statutes. 

Specifically, XXXX XXXX XXXX is violating the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : By failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of consumer information reported.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : By failing to conduct a reasonable reinvestigation of disputed information in a timely manner.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : By accessing and sharing my consumer information without a permissible purpose or my explicit consent.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 : By unlawfully sharing my nonpublic personal information without authorization, violating my right to financial privacy.

I previously notified FactorTrust, Inc. of these inaccuracies and submitted a detailed dispute letter outlining all discrepancies. However, they have failed to correct or delete the inaccurate information, demonstrating a reckless disregard for consumer rights and federal law.

Attached is a copy of the letter I sent to FactorTrust , Inc. documenting the inaccuracies and my demand for correction, which they ignored.

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 2025-04-26 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:
EQUIFAX- XXXX XXXX XXXX XXXX account is reported updated late payments on a allege account that has been closed and charged off this is improper use of my credit report to report inaccurate information which is a violation. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I have noticed I have unauthorized inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-26 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 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 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AXOS FINANCIAL, INC.

Complaint narrative:
" I had an outstanding amount of XXXX XXXX, so I said that I would pay it along with the next XXXX. Even then, I was treated rudely for such a small amountnot just me, but my brother and sister-in-law were also spoken to in an abusive manner. Various types of XXXX  were sent to my phone number, and I was also threatened. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
According to 15 U.S.C 1692 ( c ) you have violated my rights by in lawful communications please remove this collection off of my credit report immediately thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by XXXX furnishers : I am disputing inaccurate and unverifiable information being reported by XXXX furnishers : XXXX. XXXX XXXX XXXX Account Number : XXXX ( credit card ) Status : Charged off. {$9900.00} written off. {$9900.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting since XXXX. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX ( credit card ) Status : Charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 

Continuous charge-off reporting from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( {$59.00} ) THIS IS IDENTITY FRAUD DEBT. 

XXXX. XXXX XXXX XXXX. In Collections : {$1600.00}. THIS IS IDENTITY FRAUD DEBT. 

I formally disputed these accounts under FCRA Sections XXXX and XXXX, requesting the following : A certified copy of the original signed contracts. 

Full accounting/payment history. 

Proof of permissible purpose under FCRA XXXX. 

Proof of lawful standing and chain of custody if accounts were transferred. 

Evidence that notices of dispute were properly placed within 30 days. 

Neither company has provided competent evidence within the legal timeframe. Despite their failure to validate, they continue to report these accounts negatively, harming my credit profile unlawfully. 

I also cited the commercial maxim Truth is sovereign in commerce, demanding verifiable sworn proof of any financial claim, which was not provided. 

Their continued reporting without verification violates the FCRA and amounts to misrepresentation in commerce. 

What would you like the company to do to resolve your issue? 

I am requesting : Immediate full validation of the alleged debts with documented evidence ; or Immediate removal ( deletion ) of the accounts from all consumer reporting agencies due to failure to validate.

I also request that any negative entries associated with these accounts be corrected or deleted in compliance with federal law.

Supporting Documents ( Upload if possible ) : Copies of my dispute letters Certified mail receipts or delivery confirmations Screenshots or copies of my current credit reports showing the accounts Any responses ( or lack of responses ) from all accounts above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested an emergency credit line increase from Chase to be able to purchase some things since we lost everything in the palisades fire for our new home. I have had my credit card since XX/XX/XXXX and was given a XXXX credit limit. XXXX XXXX XXXX XXXXXX/XX/XXXX. My credit limit has not increased since opening the card. I have always paid on time. My credit score has been stable. The only time my credit limit has increased was by the emergency department for 6 months in which they would drop my credit limit back to XXXX. I asked was my request being viewed by human eyes and everything is internal then I asked what were the stipulations of what you all are basing the request from and again they do not know which it only places me to believe that their is systemic intent involved considering my next door neighbor has the exact credit profile as me and a lower score yet Chase has given him a XXXX credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
I am filing this complaint regarding Bank of Americas unjust closure of my business accounts and the mistreatment I experienced when attempting to resolve the situation. I opened the accounts just fine in branch with all of the proper documentation. Without warning or explanation, Bank of America closed my business accounts. I never received a letter detailing the reason for closure, and I have no outstanding debts to the bank. Furthermore, Bank of America is not reporting any negative information about me to XXXX  or XXXX XXXX XXXX. After closure, Bank of America sent a check for the remaining balance, but the check was not properly made out to me but instead the business despite me being the verified owner of the accounts. I attempted to go back to the Bank of America branch I opened the account at which is located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to cash the check, the employees confirmed my identity and ownership but still refused to cash it. When I asked why, the branch manager became confrontational, shoved the check toward me, and threatened to call the police if I did not leave immediately for me asking how would I cash the check anywhere else since they are refusing to if my name is not on there and she kept telling me Im not the owner of the business only the signer which is not true. I was told to call customer service to have the check reissued in my name and to leave. However, when I contacted customer service, they said reissuing the check was not possible and that the branch should have honored it even with my having all my business documentation on hand and two forms of ID. I am deeply disturbed by the way I was treated, especially since I had done nothing wrong besides ask a question about how to proceed and I still had no notice of why it was closed and noticed after that my information was not typed in correctly despited the banker holding my license. Bank of America has provided no transparency regarding why my accounts were closed, no letters at all and their conflicting instructions have caused me significant stress, financial disruption, and embarrassment because there was a full lobby of other customers who were not of my race and they treated others there extremely nice and turned me away regardless of me having my papers and drivers license and them using it to pull the account up. I still have not received letters regarding the closures of my business accounts which both were open a week or two apart. I even went as far as setting up mobile banking with no issues and my last personal account I had with them they closed as well and never sent my check with the money that was in 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 monetary relief
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I recently viewed my credit report and there are accounts listed on my report that I did not authorize. I am a victim of identity theft. Please investigate and validate each account. 
XXXX XXXXXXXX XXXX XXXXXXXX. account # : XXXX XXXX XXXX XXXX  XXXX account # : XXXX XXXX XXXX XXXX  XXXX. account # : XXXX XXXX XXXX XXXX  XXXX. account # : XXXXXXXX XXXX XXXX XXXX XXXX. account # : XXXX XXXX /XXXX. account # : XXXX XXXX  XXXX account # : XXXX XXXX  account # : XXXX XXXX XXXX. account # : 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 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NY

Complaint narrative:
My personal private identifying Information was breached during an alleged audit performed by the support department of governmental efficiency and XXXX XXXX. this individual is not an elected or vetted or otherwise qualified federal employee and neither are the individuals working on his behalf. As of the week of XX/XX/year> I can not rely on the XXXX XXXX third parties that they have given access to my information, including, but not limited to my Social Security number date of birth first middle and last name, former and current residence, employment and financial data. The disclosure of my personal information was done without prior or written, consent and continues to be a risk without any notification from federal institutions or representatives. The individual involved in the current disclosure of my personal information have no relation to me or the educational agencies or institutions. I became aware of the data breach from the XXXX XXXX and other articles and no communication from the department or any federal entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TN

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 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 2025-04-26 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: TN

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TN

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief