vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681. Account name XXXX XXXX  # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates according to USC 1681, ( e ) ( b ). and according to USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information. ( A ) in generalif, after any renvestigation under paragraph ( 1 ) of any any information disputed.

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 2025-01-07 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: AR

Complaint narrative:
I paid the XXXX XXXX, GA judgement for breaking the lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As soon as the bank check was cashed the paid debt was sold to a collection agency that put on my credit report that I owe them. 

XXXX XXXX returned an item to XXXX 's did not receive credit. Then purchased shoes and made payment on spot, not credited to account. Contacted XXXX, XXXX 's responded with apology, stated they would correct account, not report to credit agency and refund overpayment. Did none of the aforementioned. 

XXXX, XXXX XXXX XXXX reporting debt that was paid by realtor that kept all earnest money for herself except the less than {$300.00} she said she paid to XXXX. 

These fake debts contributed in preventing me from obtaining a mortgage. 

Tell me what each company says about these false debts.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX i logged into my Experian account. Made necessary changes like updated address and contact info. Fast forward one month i go to login and now my info doesnt match records but I cant make a new account cause I already have one. Verification codes are not being sent to my email or phone. I have sent an email to esuppport to no avail. I continue to try my login and now my number doesnt match records and my password can not be reset either. I am needing to access my account because I am needing my credit ran for a vehicle I NEED to purchase to continue my daily life. I have emailed every month since XXXX and have called over 50 times to three different Experian numbers to get no help or response. Today I finally submitted a dispute with my identification to get this resolved. It baffles me how hard a company tries to avoid its customers. Its ridiculous. All I need to do is either get my account back or delete and make a new one so that I can unlock my credit so that I may purchase a vehicle. Im sure this can get resolved with a simple phone call.

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 2025-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EQUIFAX INFORMATION SERVICES LLC reporting agency , block information appearing on my consumer 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 personal credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-06 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: FL

Complaint narrative:
Its disappointing to find incorrect details on my credit report that are bringing down my score.

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 2025-01-06 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:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX  ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. 



CFPB RESOLUTION : What would be a fair resolution to this issue? ( demand for relief ) : I demand the credit reporting agency do what is fair and equitable and remove the following accounts based on federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
XXXX XXXX needs to expunge all reference to any collection against me immediately and permanently. I hereby submit my filed identity theft report submitted with the Federal Trade Commission. I was never given warning that a collection was poste4d on all three credit bureaus, and this needs to be deleted permanently. I am requesting a full reinvestigation from the credit bureaus for removal. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a National data breach. After reviewing my credit report I noticed some accounts I am not familiar with. I have asked the CRA 'S for validation of debt however the information has not been provided. Due to my information being exposed I have submitting a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, FTC report along with verification my information was exposed in a national data breach.

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 2025-01-06 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: WI

Complaint narrative:
Id like a detailed review, and Im requesting the immediate removal of any inaccurate or incorrect data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In the report from XXXX and XXXX as well as Equifax All types of debts from car loans and bill collectors are on the bureaus and I want them off. A lot of Inquires as well are reporting on my credit reports. Totaling about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In the report from XXXX and Experian as well as XXXX All types of debts from car loans and bill collectors are on the bureaus and I want them off. A lot of Inquires as well are reporting on my credit reports. Totaling about 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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
THIS ACCOUNT IS WITH SOFI BANK i LOOKED AT MY ACCOUNT AND SAW SEVERAL XXXX PAYMENTS THAT i DID NOT INITIATE. I CONTACTED SOFI TO DISPUTE THIS AS TRANSACTIONS THAT I DID NOT DO! THE FIRST WAS FOR {$25.00} ON XX/XX/XXXX. THEN A FEW DAYS LATER I NOTICED MORE XXXX TRANSACTIONS. TOTALLING {$390.00} A TOTAL OF XXXX PLUS THE FIRST XXXX MAKES XXXX. I DISPUTED ALL OF THEM!!! WAS TOLD THEY WOULD INVESTIGATE. RECEIVED EMAIL ABOUT FIRST ONE SAYING DENIED UNLESS I COULD PROVIDE MORE DOCUMENTATION. HOW COULD I PROVIDE MORE DOCUMENTATION FOR SOMETHING I DIDN'T DO? TOLE THEM THAT AND RECEIVED EMAIL BACK STATING THE MATTER WAS CLOSED AND DENIED. SCRIPTED REPLY. GOT EMAIL BACK ON OTHER 6 AND SAME SCRIPTED REP [ LY! SENT MY REPLY BACK SAYING THEIS TRANSACTIONS WERE NOT MINE AND THAT I DO NOT USE XXXX AND NEVER HAD. TOLE THEM TO INVESTIGATE DEVICE USED AND LOCATION OF ORIGINATION. CLEARLY DID NOT GOT SAME SCRIPTED REPLY BACK SAYING WITH OUT MORE DOCUMENTATION THIS CASE WAS PERMANENTLY CLOSED. REPLIED HOW COULD I PROVIDE ANY MORE DOCUMENTATION FOR SOMETHING I DID NOT DO???? GOT EMAIL BACK IN LESS THAN 1 HOUR SAYING DENIED AND THAT THEY WOULD NOT PROVIDE ANY OTHER INFORMATION. CLEARLY DESIGNED TO STEAL MONEY FROM ACCOUNT HOLDERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I wired money to XXXX people who said they were trucking companies that carry and pull loads for freight brokers but ended up being fraud. I did around XXXX wires out of td bank in XXXX XXXX with the bank associate as I have a factoring companies and handles freight invoices for a fee. the total among the XXXX wires were XXXX in the month time frame of XX/XX/year>. The name of my company is XXXX XXXX XXXX. Police report says the names and companies of the info of the people. 
to XX/XX/year>. I suspected something was wrong and stopped wiring the people. I contacted the police and informed the FBI. I Lost all my money and want my money back. the police said the licenses were fake/fraud. the people scammed me. everything was fake. they called me saying they saw my number on internet, I don't know where or how. please help as I have been effected badly. this is the first time this has ever happened to me. the whole thing was a scam and they scammed me for around {$650000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card. 


I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-06 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-06 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 LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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