vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
See attached document I am a victim of identity theft. Ive discovered fraudulent accounts on my credit file, including those from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I did not authorize or open these accounts. I am requesting that they be removed and blocked under FCRA 605B. My FTC Report ( # XXXX ) is attached for verification.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have been working with a dealership named XXXX XXXX of XXXX. About three months ago I asked for some numbers out the door on a vehicle and without being able to give me a number I was applying for they ran my credit which I was initially okay with. We stated that would wait a couple months and try again. Well yesterday I messaged and asked for numbers yet again and stated I did not want to do anything until I had number on paper. I just got a notification for 6 inquirys on my credit that I did not authorize and have not filed out a credit app with this dealership since XXXX. This is fraud and they should not even have my social saved on file. 

Aside from the fraud of pulling my score without my authorization they are sneaky and hide a lot of number. I would never recommend buying from them if you care about the price you are paying

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/year>2025 The bank chase XXXX my bank account, In which I had a positive balance XXXX, I when calling customer service and asking what happened to my money, They tell me that I will be sent a check with the amount of money that I had available there in an average of 10 working days, I have called customer service on many occasions and nobody gives me a clear answer why the check has not reached me or where my funds are, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a survivor of XXXX XXXX and submitted a formal request to Equifax under the Debt Bondage Repair Act and the Fair Credit Reporting Act to have adverse items blocked from my credit report. My submission included a self-attestation, a list of the accounts to be blocked, and a support letter from a recognized non-governmental organization ( XXXX ) confirming my status as a XXXXXXXX XXXX 

Equifax denied my request, even though the same documentation was accepted by both XXXX XXXX XXXX  who appropriately blocked the items from my credit file. I believe Equifax failed to properly review my documentation or comply with the federal protections afforded to survivors. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Equifax complies with the law by removing the qualifying items from my credit report as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against THE CBE GROUP INC-FORMER for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. 

On or about [ insert date ], I received communication from the above-named collection agency regarding an alleged debt with account number XXXXXXXX XXXX XXXX XXXX XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g. 

Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. 

These actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against THE CBE GROUP INC-FORMER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-14 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter in the mail from " Best Buy '' with a " My Best Buy Visa Credit Card '' supposedly issued through Citi Bank  on XXXX XXXX. I never applied for a credit card with best buy. I typed in the phone number listed on the letter into XXXX to verify if it matched up with any numbers associated with Best Buy and there was no match.

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 2025-05-13 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Transunion. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) 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 2025-05-13 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I filed a dispute on XXXX, Portfolio Recov Assoc due to me not knowing about the debt. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged that the company accepted unreliable information, failure to notify consumer dispute results. The aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting both a house and a car. XXXX  violates my rights as a consumer, as well as federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
This company uploaded my personal medical records please allow this company to delete this or litigation will follow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
Hard Inqueries : XXXX XXXX XXXX Inquired on XX/XX/year>XXXX   This inquiry was not authorized proceed to remove it from my credit report immediately. 
4XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
5- XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
6XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
7- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
8- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

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 2025-05-14 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: NM

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXXXXXX This account is being reported inaccurately proceed to remove this from my credit report immediately. 
Hard Inqueries : XXXX XXXX XXXX Inquired on XX/XX/year>XXXX   This inquiry was not authorized proceed to remove it from my credit report immediately. 
4XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
5- XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
6XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
7- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
8- XXXXXXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 non-monetary relief
Consumer complaint received 2025-05-13 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 2025-05-13 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: NC

Complaint narrative:
My information was included in a data breach and I was a product o identity theft. All information was sent several times and it has not been removed.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my consumer report XXXX XXXX XXXX that multiple accounts was open using my name ssn. These dates that the account was open is impossible for me to have open these accounts because if you go to XXXX XXXX XXXX XXXX you will see that I was incarcerated during the times these accounts was opened I will like to have this fixed soon as possible because it is stopping me from open a account to connect my XXXX  thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against HARRIS & HARRIS regarding an account I have with them XXXX 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 : HARRIS ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}. 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 HARRIS & HARRIS but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

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