vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX BANK has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that XXXX a victim of the 2017 Equifax data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. XXXX requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the 2017 Equifax breach, which affected over XXXX XXXX people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If XXXX of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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
Consumer complaint received 2025-03-25 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-25 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-25 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-25 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: CA

Complaint narrative:
A company called Client Services XXXXrepeatedly calls me. They leave messages. Dont even verify who they need to speak to. Threatening. Also. When you call them back. A recording comes on. Wanting to know the last four digits of your SS. And its robo calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Employers : XXXX XXXX XXXX XXXX XXXX XXXX, CA These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the fraudulent XXXX XXXX account currently appearing on my TransUnion credit report. 
This account is not mine and is the result of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block fraudulent information resulting from identity theft. 

Fraudulent Account Details : - Creditor : XXXX  XXXX - Reported Balance : {$500.00} - Credit Limit : {$300.00} - Utilization : XXXX XXXX  - Date Opened : XX/XX/year> - Reported As : Needs Attention I did not open this account and did not authorize its use. I believe my personal information was compromised during a data breach, possibly involving XXXX XXXX or another financial institution. 

XXXX Grounds : Per FCRA 605B, you are required to block this fraudulent account from my credit file within XXXX business days of receiving this notice along with supporting documentation. Additionally, under FCRA 623, furnishers ( XXXX XXXX ) are prohibited from reporting information that is inaccurate or known to result from identity theft. 

Demand : I formally demand the immediate removal and permanent blocking of this fraudulent XXXX XXXX account from my TransUnion credit report. 

Please provide written confirmation of the removal. 

Failure to comply will result in further complaints filed with the CFPB, FTC, and State Attorney General, as well as consideration of legal action.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am in the process of getting a car but I can not access loans. Please review the all documents and remove the accounts that are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
It took me calling the phillipines, branch XXXX then to the credit card department only to be told it needed to be elevated to, " XXXX XXXX '' and would take XXXX to XXXX  days before someone would return my call. 
XX/XX/year> I made a duplicate payment of {$870.00} ( XXXX ) both posted to my checking account and credit card account. My balance on the cc was {$1100.00} I set up a payment for XX/XX/XXXX for {$870.00} whcih left a balance on the card for {$300.00} which I set up for XX/XX/XXXX. I needed to transfer a balance back to my Checking or bills would start bouncing which I did and the {$570.00} posted back to my checking account and labeled " cash advance '' which was not true. When reviewing my credit card statement, {$570.00} was posted and, also, labled " cash advance '' and had interest added and a fee. First, what happened to the {$300.00} balance that was left unpaid on the credit card? Also, what happened to the credit for the duplicate payment of {$870.00}? It appears the {$570.00} was used for the " XXXX XXXX '' which was credited to the checking account. The {$300.00} was credited to the balalnce owed on the Credit Card bring the balance to {$0.00} which I did not approve. As mentioned, the {$300.00} balance was scheduled for payment on XX/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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All letters sent on XXXX, 2024 I sent letters to all three credit bureaus, Experian, XXXX and XXXX disputing theses debts for varias reason. Some were placed back in my report with telling me. 

comenitycb/ulta- XXXX XXXX a letter to the XXXX credit bureaus to explain the following accounts were inaccurate and the account had been closed/paid off and they continued to bill me for a monthly credit card that I had closed XXXX XXXX loan Opened in XXXX Explained to me the debt was charged off after XXXX  years and now the debt was transferred to XXXX. 

XXXX XXXX XXXX XXXX I asked them to validate this debt. I closed this account and switched my phone to another XXXX and they said I still had charges and they could not tell me what they were for. 


XXXX XXXX- XXXX {$3000.00} XXXX  XXXX- XXXX {$2800.00} XXXX XXXX  XXXX XXXX {$8400.00} These companies did not respond and I sent letters via certified mail. 
My account with Experian has several errors, addresses, and former employees. 
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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
Dear Customer Service Team, I am writing to formally report an unresolved case of fraud involving an unauthorized attempt to open an XXXX XXXXXXXX in my name in XXXX  2024. Thankfully, due to an active credit freeze on my XXXX  report, the fraudulent attempt was blocked. However, I was alerted to this activity when I received an email from Concora Credit Inc. requesting that I lift my credit freeze to allow a credit check for the application. This was my first indication that someone had attempted to open an account in my name. 

Upon receiving the email, I immediately contacted the phone number provided but was unable to obtain sufficient assistance. I then searched online for a customer service number associated with XXXX XXXX XXXX and spoke with a representative who assured me that a fraud investigation would be conducted. I was told that : A report would be submitted to your fraud team. 

The credit bureaus would be informed of the fraudulent application. 

I would receive a letter within 14 to 60 days detailing the case process, the outcome of the identity theft investigation, and information on where the application originated.

It has now been five months, and I have yet to receive any correspondence regarding this investigation. I followed up after 14 days and was told that the matter was " being worked on. '' However, I was not provided with a claim or case number, raising serious concerns about the legitimacy of the investigation. Given the lack of transparency and communication, I am beginning to question whether this process was handled in good faith. 

I am requesting immediate action on this matter, including : A written update on the status of the fraud investigation. 

Confirmation that the fraudulent application has been reported to all relevant credit bureaus. 

A case or reference number for my records. 

A copy of any internal reports generated during the investigation. 

If I do not receive a satisfactory response within 10 business days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This situation is highly concerning, and I expect prompt action to ensure that my personal information is not further compromised. Please provide the requested information at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed. 

These inaccuracies have had a negative impact on my XXXX score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.

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 2025-03-25 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: LEXISNEXIS
State: NJ

Complaint narrative:
Upon checking my lexisNexis report there are numerous inaccuracies including someone elses information that does not belong to me. I have filed a dispute and even provided the necessary info asked of me and they continue to publish inaccurate information causing me financial harm. LexisNexis has stated on the following dates I filed XXXX insurance claims with these vehicles that I have never owned or operated. Automobile insurance claim dates XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX OF XXXX XX/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 2025-03-25 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the inaccurate information currently listed on my credit report. Upon reviewing my report, I noticed discrepancies that do not reflect my actual credit history.

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 2025-03-25 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: NC

Complaint narrative:
I am writing to file a complaint regarding an auto loan account with XXXX that has been inaccurately reported on my credit report. This account, which is listed as a repossession on my credit report, is still showing on my XXXX and TransUnion reports, despite it being past the XXXX reporting limit for negative information. 

Here are the specific details of the account : Account Name : XXXX XXXX XXXX Account Type : Auto Loan Account Number : XXXX Open Date : XX/XX/XXXX Current Status on XXXX XXXX TransUnion Reports : Repossession Date of Repossession : XXXX I am requesting that this account be removed from my credit reports with XXXX and TransUnion, as it has now been over XXXX  years since the reported date of deliquency. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a repossession should not remain on a credit report for more than XXXX years from the date of the initial delinquency ( Section 605 ( a ) ( 4 ) ). 

It is important to note that XXXX has already removed this account from my credit report. In XX/XX/XXXX, the account appeared on my XXXX credit report, but as of XX/XX/XXXX, it has been removed. I request that the same action be taken for my XXXX and TransUnion reports in accordance with the FCRA, particularly XXXX XXXX, which mandates that credit reporting agencies must investigate disputes and correct inaccuracies within XXXX  days. 

Furthermore, the continued reporting of this outdated information by XXXX and TransUnion, despite XXXX removal, constitutes a violation of the principle of equitable treatment, as all three bureaus should treat this account the same way.

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