vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Solvent Plus LLC
State: MI

Complaint narrative:
Account # XXXX. My problem is with solvent. I obtained the XXXX contract in XXXX and in XX/XX/XXXX my balance was down to almost XXXX. I had to XXXX XXXX due to XXXX XXXX and applied for XXXX. That left me a whole year without working! I relayed that message to a XXXX agent when I had to quit. He said there was a clause in their contract that said if I became XXXX after the fact that XXXX couldnt retaliate against me financially and couldnt collect their money because I had a financial hardship. I was under the assumption things were taken care of. Well I guess not. XXXX let the interest accrue up to XXXX then sold out to a collection company. I was granted ssi in may of XXXX. I only make XXXX $ a month. I emailed numerous times over the website letting them know of my situation and inability to pay that amount. Settlement offers were there but none that worked with my income. At all. I emailed and let them know multiple times. An agent finally contacted me. Asked all these helpful questions regarding income. Sir I make XXXX $ - A MONTH. Not weekly. Or bi weekly. MONTHLY. So I can afford XXXX a month at the XXXX! This man turned around and said how about XXXX and I said that dont work for me. He said my boss heard about your call and is so sympathetic when can you make your first payment I said I get paid once a month on the XXXX. Oh oh ok. Didnt try to lower the balance so my payments would be cheaper knowing XXXX WELL THEY ALREADY PAID THAT BALANCE TO XXXX AND XXXX XXXX XXXX CUZ I HAD ALREADY PAID OFF HALF THAT ACCOUNT BY THE TIME I HAD TO STOP WORKING. So at that point to me the company is refusing to work with me on a payment plan on an affordable amount owed. Had I paid XXXX I would have only owed a little over XXXX. Ill pay that back in payments. Not the XXXX thats not even legal. I didnt owe them that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This debt that was reported on XX/XX/year> is not mine. Please remove it from my account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. 
I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( XXXX  ). I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: 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
Consumer complaint received 2025-06-09 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am submitting this complaint because there is inaccurate and/or unverifiable information being reported on my credit report by [ XXXX of XXXX or XXXX XXXX XXXX XXXX I disputed this information with the credit reporting agency under my rights granted by the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), which requires that they conduct a reasonable investigation and correct or remove any information that can not be verified. 

Despite my dispute and providing supporting documentation, the information remains on my report without evidence that it was properly verified. I have not received an adequate explanation, nor have I been provided with proof that the information is accurate. This inaccurate reporting is XXXX  impacting my XXXX XXXX and financial well-being. 

I am requesting that the CFPB assist in ensuring that the credit reporting agency and/or data furnisher comply with the law by properly investigating my dispute and removing or correcting the inaccurate information if it can not be verified. 

Midland Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX 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 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 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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
An account with Jefferson Capital LL ( account number XXXX ) was reported on my credit report, but I do not recognize or owe this debt. I never had a valid account with this company, and I believe the information is being reported in error. I have not received any documentation validating this debt, despite requesting verification. I am requesting that this item be removed from my credit report, as it is inaccurate and affecting my credit score unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation On my credit report and found several items on there to be an and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items 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 2025-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX XXXXsted below : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies on my account. These hard inquiries are affecting my ability to obtain credit. Here are the following Hard inquires I would like you to verify is accurate : XXXX. XXXX XXXX, Dated : XX/XX/XXXX XXXX. XXXX XXXX, Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX. XXXX XXXX, Dated : XX/XX/XXXX XXXX. XXXX XXXX, Dated : XX/XX/XXXX XXXX. XXXX XXXX, Dated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has failed security system that someone has made fraudulent transactions that was NOT authorized on my behalf. I have put in multiple claims over the past month or so from XXXX and XXXX. Cash app refused to give me back the transfers and withdrawals from my bank card of almost XXXX. Despite sending in documents showing it was not me and I have not used cash app since XXXX. These transactions are fraud and unauthorized due to their insecure and failed system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I received a Right to Cure notice from PNC bank for my account ending in XXXX. It was dated XXXX stating I had until XXXX to make a payment in order for 'no default ' to occur. I made the payments on XXXX and XXXX yet was still reported as late to the credit bureau. I followed their direction and guidance in the notice they sent but they did not follow through with their information stating there would be no default if paid by the deadline. I paid by the deadline and need to the delinquency removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OK

Complaint narrative:
I was excluded from the XXXX XXXX class action even though I meet all the criteria and have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
The accounts listed on my credit report are fraudulent and were not initiated by me. I had no knowledge of these accounts until reviewing my report. I am requesting an immediate deletion of these accounts under my rights afforded by 15 U.S.C. 1681g. Attached are documents that verify my identity and support this claim.

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 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase is XXXX and signed up for a Best Buy credit card. I paid the payment in full on XX/XX/year>. They have not applied my payment to date. I sent my bank statement in XXXX to show proof. My payment has not been applied to my account.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I received a notification that Wells Fargo had reported XXXX  payments on my XXXX XXXX  for XXXX and XX/XX/year>. This is incorrect and a violation of the automatic stay, as I filed for Chapter XXXX bankruptcy on XX/XX/year>, and Wells Fargo was properly listed as a creditor in my petition. 

I called Wells Fargo on XX/XX/year>, at approximately XXXX PM to address the issue. During the call, I was told that they could not remove the XXXX  payment reporting because they had allegedly not received any notice of my bankruptcy. However, this is inaccurate they were included in my bankruptcy filing and should have received official notice via the Bankruptcy XXXX XXXX. 

The account should not have been reported as XXXX after my bankruptcy filing date. I am requesting the CFPBs assistance in having Wells Fargo correct the reporting and remove the post-filing XXXX from all XXXX XXXX. I am prepared to provide supporting documents, including my petition, creditor matrix, and Notice of Bankruptcy 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 non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against XXXX bank for inaccurate and misleading reporting of a closed account on my credit report. 

The account, opened on XX/XX/XXXX, is marked as closed but continues to show a balance of {$1000.00} and 104 % credit utilization. A closed account should not report utilization, and this ongoing balance is inaccurate. 

Additionally, XXXX Bank is reporting late and derogatory payment statuses for XXXX and XXXX, despite no payment activity since XX/XX/XXXX. This extended derogatory reporting after inactivity may constitute improper re-aging of debt, which is a violation of the Fair Credit Reporting Act ( XXXX  ). 

I have already submitted disputes to the credit bureaus requesting a full investigation. Given the ongoing harm to my credit profile, I am requesting the immediate deletion of this account from all credit bureaus. 

I am asking the CFPB to assist in holding XXXX Bank accountable for these reporting violations and to ensure this harmful and inaccurate account is removed from my credit file.

Company response to consumer: Closed with explanation