vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
Consumer Name : XXXX XXXX ), Consumer Social Security Number : XXXX, Consumer Date of XXXXContents of Complaint : 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 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard Inquiries XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block and remove the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this complaint. Additionally, I dispute the accuracy of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ) and demand a lawful reinvestigation as required by federal statute.

The following accounts are the result of identity theft and were fraudulently added to my credit file : An auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$52000.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1500.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$410.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$730.00} A state-related account with the Office of the Attorney General opened on XX/XX/XXXX, with a balance of {$0.00} Pursuant to FCRA Section 611, I demand that Equifax provide full reinvestigation results for each item, including the exact method of verification and physical documentation used to confirm their accuracy. If XXXX  can not provide that evidence, then the continued reporting of these items constitutes prima facie fraudulent reporting and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: IA

Complaint narrative:
Lobel Financial Corp Account ACCOUNT NUMBER AS IT APPEARS ON MY CREDIT REPORT : XXXX ( balances {$15000.00} - {$24000.00} ; activity XX/XX/XXXX - XX/XX/XXXX ) Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I am formally disputing the accuracy and completeness of the item below that appears on my consumer credit report : 1. Incorrect balance and status. The account is reported with a balance of {$15000.00} and a status of " Collection/Charge-off, '' even though the obligation was satisfied and should reflect a {$0.00} balance. 
2. Conflicting dates. The report shows different last-activity dates ( XX/XX/XXXX and XX/XX/XXXX ) and duplicates the same account with statuses " XXXX '' and " Closed. '' XXXX. Inconsistent payment history. Up to XXXX " XXXX late '' payments are listed-this is impossible according to my records and is inconsistent across the XXXX bureaus. 
4. Duplicate/erroneous remarks. The notations " Consumer Disputes After Resolution '' and " Unpaid Balance Reported as a Loss '' appear simultaneously, demonstrating inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
To Whom It XXXX Concern : I, XXXX XXXX, am submitting this formal complaint regarding serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and ( b ), by your agency, Crown Asset Management, and your legal representatives at XXXX XXXX XXXX XXXX XXXX. 

You initiated a lawsuit against me to collect an alleged debt without ever sending the required debt validation notice within five ( XXXX ) days of your initial communication with me, as required by federal law. Only after I was served and appeared for my first court date did your attorney provide a so-called validation letter. However, that document was insufficient and did not include : The original signed contract, A full breakdown of the debt, including account history, payments, interest fees, and any other charges, A bill of sale including my name and account number, A clear chain of assignments showing the transfer of ownership of the alleged debt. 
Filing a lawsuit without first fulfilling the mandatory validation requirements under 1692g ( a ), and subsequently providing an incomplete or improper validation letter, constitutes a clear and ongoing violation of my consumer rights. 

This improper and deceptive practice has caused me significant stress and confusion and interfered with my ability to meaningfully address or resolve the alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

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 confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
I want to make it absolutely clear that this is a valid and urgent complaint. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial and personal well-being. I am formally requesting an immediate and thorough investigation, and I expect all unverifiable or incorrect information to be corrected or removed without delay. Prompt resolution of this matter is not just necessaryit is imperative.

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 2025-05-10 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:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL CREDIT ADJUST regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NCA ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL CREDIT ADJUST but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-10 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: SC

Complaint narrative:
Experian continues to show multiple hard inquiries that should be combined to show as one. The inquiries were during a one week period when I had been mortgage rate shopping. The Experian guidelines state that when mortgage shopping during a specific number of days that the hard inquiries will be combined to show as one. Each time I inquire, Experian states they are combined but is unable to prove and pretty much state to take their word for it. I have informed Experian several times to no avail that companies such as XXXXXXXX XXXX are showing all of the inquiries as hard inquiries and none are combined. Experian refuses to correct and now I have been denied a consolidation loan that is much needed due their errors, arrogance and refusal to correct. I have not been denied a loan in over 30 years and now I am denied because experian refuses to review and correct their error. This needs to be corrected immediately. I can provide a screenshot from the Experian website where it shows 12 hard inquiries but they will deny even when you are looking at this number. FIX THIS NOW. I AM AS FAR AS I CAN GO DEALING WITH THE EXPERIAN INCOMPETENCE.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
I recently opened and funded a checking account with Schwab. However, on the same day I received a welcome email, I noticed my account access had been revoked. After calling several times, I was eventually told the account was closed for a " business reason, '' but no further explanation was given. As someone who has been affected by dark web data breaches, I am concerned and would like to understand why my account was closed so I can determine if any further action is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple accounts that have been improperly reported by Experian, TransUnion, and Equifax on my credit report. These accounts were added without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1006.34 ( d ) ( 3 ).

The following accounts have been reported without proper notice or opportunity for dispute : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX This omission has denied me the opportunity to verify the accuracy of the debts in question. I have not been afforded the right to dispute these accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Denying me access to the dispute process has infringed upon my rights and has prevented me from challenging potential inaccuracies and discrepancies.

Furthermore, Experian has used false, misleading, and deceptive means in their reporting practices, which violates my consumer rights. These unethical practices compromise the integrity of the credit reporting system and have caused me significant emotional and financial distress.

Additionally, Experian is not authorized to furnish information to consumer reporting agencies without first complying with the required disclosures mandated by law. By failing to follow the procedures outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ), Experian has shown a flagrant disregard for consumer protection statutes. 

I also did not receive any notice from the above-named creditors giving me the opportunity to dispute the validity of the debts within 30 days, as legally required. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly. I also request that Experian remove the aforementioned accounts from my credit report and cease all related collection activities immediately. 

Thank you for your attention to this urgent matter. I look forward to your timely resolution.

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