vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: SC

Complaint narrative:
Each bureau reports a different date of last activity, The are different dates listed under " date of last payment ''

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-27 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The company responded to a previous dispute, stating that the reporting was accurate. However, they did not provide the proper procedures or basis for their claims, violating 15 USC 1681i7. 
Please see the Attachment below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I respectfully request the removal of the collection account from my credit report. Please remove this negative item. The account balance is not accurate on this account. Please is an accurate from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NV

Complaint narrative:
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. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding multiple inaccuracies, incomplete data, and unverifiable information currently appearing on my TransUnion credit report dated XX/XX/XXXX. 

In accordance with FCRA 1681i, you are required to conduct a reasonable reinvestigation into each item I dispute. If the information can not be verified with complete, original source documentation, it must be deleted immediately. The following items are in violation of federal law, XXXX XXXX formatting, and CDIA reporting standards : 1. Dismissed XXXX XXXX Bankruptcy Court : U.S. Bankruptcy Court NJ ( XXXX ) Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Reference # : XXXX Issue : A dismissed bankruptcy is not a discharge and should not be reported in a way that negatively impacts my creditworthiness. There is no valid legal basis to report or maintain this bankruptcy or associated derogatory trade lines once the case has been dismissed.

Legal Grounds : - FCRA 1681c ( a ) : Prohibits reporting of dismissed bankruptcies beyond allowable timelines.

- FCRA 1681e ( b ) : Mandates maximum possible accuracy. 

- XXXX XXXX Format : Trade lines associated with dismissed bankruptcies must not reflect included in bankruptcy status or ongoing delinquencies. 

- FTC Opinion ( Cass, 1990 ) : Clarifies that dismissed bankruptcies are not to be treated the same as discharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: PA

Complaint narrative:
I am writing to delete the following information from my file. the items I deleted are listed in the report, I am a victim of identity theft and I did not make the charge. I report the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this items as as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I was affected by the Equifax Data Breach my personal information was exposed. I am a victim of Identity theft pursuant to 18 USC 1028A, I never authorized the accounts to report on my credit report. Please check information concerning the equifax Data breach below in the attachments including FTC 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 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This company has made it hard multiple times to fix anything associated with an changing account information, the amount of reps you have to speak too, the amount of times they transfer between departments because no one knows what their doing. I have asked numerous times to have an inquiry removed from my account that I did not do and still have just NOW seen the request is falling off, however there should be nothing falling off because I never applied for any credit cards with them. Their apps are no longer user friendly and consistently opt for people to call in to their departments. They then use the excuse this is because you have had identity theft prior however can not use that SAME information to remove a hard inquiry off my account. I feel this business is practicing unfair laws and treatment and make things absolutely difficult with no resolution. Then you have customer service associates who are NOT trained to handle an angry patron. This bank has fallen to absolute trash since I was younger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NV

Complaint narrative:
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. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XXXX often blocks my online access for no discernible reason. I only use online access to pay my credit card. The payment is due today and I can't log on to pay it. Worse, because today is sunday all of their offices are closed so I can't contact them by phone. 

I'm quite certain that they will try to apply a late payment fee, but this is their fault!

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 2025-04-27 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-04-27 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:
Good afternoon, after reviewing my credit report i discovered 2 things that i was not aware of. I have no knowledge on how these accounts got on my credit report. A " XXXX '' repossession that was opened on XX/XX/XXXX with a {$29000.00} balance on it is falsely reporting on my credit report. There is also a " XXXX XXXX BANKRUPTCY '' that was opened on XX/XX/XXXX. The reference number for the bankruptcy is " XXXX ''. The account has a {$0.00} balance.

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 2025-04-27 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: GA

Complaint narrative:
Good afternoon, after reviewing my credit report i discovered 2 things that i was not aware of. I have no knowledge on how these accounts got on my credit report. A " XXXX '' repossession that was opened on XX/XX/XXXX with a {$29000.00} balance on it is falsely reporting on my credit report. There is also a " XXXX XXXX BANKRUPTCY '' that was opened on XX/XX/XXXX. The reference number for the bankruptcy is " XXXX ''. The account has a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: NY

Complaint narrative:
I have asked XXXX XXXX XXXX to provide XXXX official letter, and furthermore I have sent three separate email to XXXX XXXX and callwd more than 10 times asking for the amount they claim I owed. I HAVe never received a response from them. 

They added dubious charges which I do not owe but did not send me aby letter or proof. However, suddenly this agency submit a dubious bill as collection charge on me which hurting my credit and they intentionally making my life miserable by initiating illegal bad debt claim practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
Failure to Conduct Reasonable Investigation Equifax Violation of FCRA 1681i am filing this complaint because Equifax failed to properly investigate a dispute regarding fraudulent addresses that are incorrectly reported on my credit file. On XX/XX/2025, I submitted a complaint and supporting documentation disputing these fraudulent addresses. Instead of conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 1681i ), Equifax responded by stating they could not locate my credit file, without addressing the specific dispute information I provided.

I provided sufficient identifying information and documentation to conduct an investigation. Their response constitutes a willful or negligent failure to comply with FCRA 1681i, which requires credit reporting agencies to investigate disputed information within 30 days and correct any inaccuracies. 

This failure to properly investigate is causing harm to my creditworthiness and exposing me to potential identity theft risks. 

I am requesting that the Consumer Financial Protection Bureau require Equifax to : Properly investigate the addresses I disputed. 
Remove any fraudulent addresses not verifiable. 
Send me written confirmation of their investigation results. 

Attached are copies of my original dispute, proof of identity, and address documentation to validate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
A XXXX credit card was taken out in my name. I never received this card, but we began receiving bills from them. They said I am responsible for this card because they claim they heard my voice authorizing it and the card was sent to my address. The amount of {$16000.00} was charged on the card. It was used to purchase gift cards from various stores like XXXX and XXXX around the XXXX area and some were online. It was linked to a phone number I never had, and to an email address I never used. It was linked to an account with XXXX XXXX bank, which has no branches in Oklahoma, and I had never heard of them. 
While trying to straighten the issue out with XXXX, they told us to request to view the video footage and get the receipts from the stores. But the stores could only give the information to the detective and then we could request it from the detective. We emailed the detective who handled our case several times, but he was not responsive. Before this, bank fraud happened to us. Other than ACH transactions, someone impersonated me and withdrew money from the bank. We told the police whom we suspected, a highly tech-savvy man who we knew relatively well in Minnesota and my former co-worker. But the detective just said it was outside his jurisdiction, which did not make sense to us as the impersonation happened here in XXXX. 
XXXX sold the debt to Midland Credit Management. They are now contacting us for payment. The whole situation has caused tremendous stress to us as the XXXX bank did not give us the full refund. Worse still, they said I was caught in a romance scam. When asked to put everything in writing, they refused. How disappointing that the law enforcer did not perform their duty diligently. 

We have a lot of documents regarding this credit card fraud. It might be difficult to upload them all. If there is a specific one that you think would be helpful to solve our problem, please let us know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
I filing this complaint I just found out that there are numerous credit inquiries on all three of my credit reports I am a victim of identity theft, Equifax has a massive data breach and has leaked my information and there is a ton of inquires in my credit report I want removed, before I file legal assistance for this issue Experian has numerous inquiries also on my report I do not recognize, I am a victim of identity theft, my information was used with out my knowledge And Transunion please remove the credit inquires from my report as these inquiries are fraudulent, I do not recognize these inquiries Will attach documents and and provide copies of the inquires

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 2025-04-27 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: GA

Complaint narrative:
I filing this complaint I just found out that there are numerous credit inquiries on all three of my credit reports I am a victim of identity theft, Equifax has a massive data breach and has leaked my information and there is a ton of inquires in my credit report I want removed, before I file legal assistance for this issue Experian has numerous inquiries also on my report I do not recognize, I am a victim of identity theft, my information was used with out my knowledge And Transunion please remove the credit inquires from my report as these inquiries are fraudulent, I do not recognize these inquiries Will attach documents and and provide copies of the inquires

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 2025-04-27 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-27 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: LA

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 isXXXX 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 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