vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX 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 explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
XXXX XXXX XXXX  Last XXXX : XXXX Consumer Date of Birth : XX/XX/year> This CFPB complaint is filed under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you, TransUnion, block and remove specific information currently appearing on my consumer credit report that is the direct result of identity theft and fraud. You are required to take action within four ( 4 ) business days of receiving this complaint and supporting documentation.

The fraudulent, inaccurate, and unauthorized information includes : An auto loan account reported by XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a charged-off balance of {$14000.00}, which I did not apply for, authorize, or use. 

An auto financing account with XXXX XXXX under account number XXXX showing a current balance of {$3000.00}, reported as 180 days lateI never initiated or consented to this account.

A collection account from XXXX XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX with a balance of {$110.00}, which is not mine and appears without any valid authorization. 

These accounts have led to multiple fraudulent hard inquiries and have placed false derogatory entries on my credit file, all of which have caused significant harm to my credit standing and financial credibility. 

I have attached a full list of these fraudulent accounts, the hard inquiries in question, and a copy of my credit report which highlights the entries in dispute. I do not recognize any of the listed accounts, collections, or inquiriesthey were not opened, initiated, or authorized by me at any time. 

All items referenced above are the result of identity theft and fraud. As required by federal law, I am also including a copy of my official FTC Identity Theft Complaint # [ Insert Case Number ] as proof that I am a verified victim of identity theft.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
The accounts in question do not belong to me, they were not authorized by me They were created due to fraud for that reason alone they must be removed per 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
The accounts in question do not belong to me, they were not authorized by me They were created due to fraud for that reason alone they must be removed per 15 usc 1681b.

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 2025-05-19 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violati
on of not reporting 100 % accurate.

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 2025-05-19 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violati
on of not reporting 100 % accurate.

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am with cross country mortgage. I requested a payoff amount on XX/XX/XXXX and got, in writing an amount of XXXX. I went on line and sent in payments of XXXX and XXXX back to back within seconds. This included fees for each transaciton of XXXX dollars each i believe. The online payment only allowed me to do up to XXXX at a time. 
This was done on XX/XX/XXXX. It is now XX/XX/XXXX and my loan isnt showed as paid. It says i have a balance of XXXX but when i run a new payoff quote ( at my expense ) it says balance is NEGATIVE ( {$17.00} ). I have called 3 times and they keep passing things along. I called on XX/XX/XXXX and spoke to XXXX XXXX in arizona, XX/XX/XXXX and spoke to XXXX ID # XXXX and i spoke to XXXX  just now XX/XX/XXXX. All 3 refuse to email me or affirm in writing the process they are following so i feel updated. While I feel XXXX was motivated, i dont trust things will really happen, so i am filing this complaint. They recived my funds from my bank and i want my mortgage shown as paid as deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXXXXXX, DPT EDXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 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 2025-05-19 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today, I received three Experian credit reports addressed to me at my correct name and mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX However, all three reports contain credit information for another individual named XXXX XXXX XXXX, who is not me. I want to make it clear that my full legal name is XXXX XXXX XXXX, and I have no association with XXXX XXXX XXXX. 

This is a serious issue and raises major concerns regarding the handling of sensitive personal information. It appears Experian is sending out confidential credit data without properly verifying the identity of the recipient.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques
State: CA

Complaint narrative:
I recieved a letter about them sueing me. I tried calling all numbers on the paper I recieved but none of them work. I look them up online and that number is different then any of the numbers on the form I recieved. This feels extremely shady and now I question if this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I was told that my account was permanently limited for an unknown reason and that my funds will be held for XXXX  days and will be available to be withdrawn after the XXXX days and was told that it will be held until XX/XX/XXXX, it is now XX/XX/XXXX and I still don't have access to my funds in the sum of {$10000.00}. I've contact them several times and all they keep saying is that they don't have a timeframe on when I can withdraw my funds and that the limitation is permanent. To be honest I don't care about that at all, I keep asking them about my money that is being held and they keep saying it's your money we just don't know when you can withdraw it. I'm currently going through a hardship due to the fact that I had XXXX XXXX and is currently going through XXXX. I want to put this behind me so I can go on with my life and how long that is I don't know. I was told by an agent that they decided to part ways with me and I'm 100 % ok with that just give me the option to withdraw my money, so that I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I discovered several accounts listed on my credit report that I did not open In XX/XX/XXXX, These accounts were created without my knowledge or consent and appear to be the result of identity theft or the unauthorized use of my personal information. 
the account included in the fraud is the following : XXXX XXXX XXXX -- Auto Loan -- opened on XX/XX/XXXX and the following inquiries were included to the fraud too : XXXX inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX TMCC inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX inquiried on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXXnquiried on XXXX, XXXX XXXX inquiried on XXXX, XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
XXXX XXXX is reporting me as 90 days past due in XXXX of XXXX on XXXX different loans. I was in a repayment plan and did not owe anything to them during that time. Also how am I 90 days past due but the previous month it shows paid on time and 30 days later Im 90 days late? My repayment plan was {$0.00} per month and in XXXX of XXXX no one was even required to pay their student loans due to the XXXX legislation too. I have tried more than once to have them correct this on my credit report and they refuse to do that. I was not late in repaying? How could I have been when I didnt owe anything? And to show 90 days late but the month before was paid on time makes no sense. This makes it appear I have 4 separate late payments when I do not have any and I want my credit report updated to reflect this.

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 2025-05-19 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 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 2025-05-19 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth:XX/XX/XXXX My correct Social Security number:XXXX My correct address is:XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth:XX/XX/XXXX My correct Social Security number:XXXX My correct address is:XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recieved a letter about them sueing me. I tried calling all numbers on the paper I recieved but none of them work. I look them up online and that number is different then any of the numbers on the form I recieved. This feels extremely shady and now I question if this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am getting text messages from Halstead Financial, a debt collector, stating that my XXXX account is no longer with XXXX  and is now with XXXX XXXX XXXX. I contacted XXXX to find that I have'nt ordered anything since XXXX  and have no debt with them. Please alert others of possible scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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