vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-22 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
They reportedly missed some steps with a claim I submitted in XXXX and my mobile app access is messed up. I call to remedy it and because I didnt record the conversation to repeat everything I told them in XXXX Im now suspicious and locked out my account. The branch is XXXX from me and they are holding my money hostage. The lady hung up because I was rude allegedly. This whole situation is rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Acquisitions Group
State: GA

Complaint narrative:
I contacted them about a debt that they were reporting to XXXX, and no other credit agency. I asked them for the original documents from the original creditor. They sent me a few documents from the original account and then a judgment against me from back in XXXX from the original creditor. Which is a company that is in litigation for suing service members in states and cities they do not live in. So it's pass the drop off date that it should no longer be on my credit report. But they're reporting an open date in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has been harassing me daily about my credit card. Calling me uncontrollably at all hours of the day begging, demanding me to pay my account that I do not agree with! Capitol one has charged excessive fees to my account making it impossible to pay. Fees such as past due fees, interest fees, cash advance fees. Which sky rocketed the amount I owe I " ve never had a late payment with capital one. I have always had payments on auto-pay which helped me to keep my card current and up to date. When I contacted capital one about this issue with auto pay they declined that I had auto-pay enrolled. By this time I had already racked up interest fees, and past due fees on my account. This damaged my consumer report in the past 3 months. Capital one has ruined my reputation as a consumer. I have never been late on this account for the XXXX XXXX plus I've had it open. 
Also I am not able to view any of my statement 's through capital one portal! 

unexspected fees and interest as follows- XX/XX/XXXX {$29.00} Past due fee XX/XX/XXXX {$62.00} interest charge, {$3.00} interest charge XX/XX/XXXX {$40.00} Past due fee XX/XX/XXXX {$71.00} interest charge, {$3.00} interest charge XX/XX/XXXX {$40.00} Past due fee XX/XX/XXXX Interest charge {$71.00}, Interest charge {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
XXXX XXXX  is not furnishing accurate information on my credit report & file. They are still reporting that I'm disputing these accounts : APPLE CARD - GS BANK USA & XXXX XXXX XXXXXXXX. I wrote to these companies that I'm no longer disputing these account which they stated that they put in a request to have the dispute remarks removed from all the credit reporting agencies. TRANSUNION XXXX is misleading new potential creditors into thinking I'm disputing these accounts by keeping those comments on my credit report and file when that is not accurate or true. I have included screenshots of my credit reports that shows the remarks for APPLE CARD - GS BANK USA on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I reached out to APPLE CARD - GS BANK USA ( Case # XXXX ) on XX/XX/XXXX & XXXX XXXXXXXX XXXX  ( Case # XXXX ) on XX/XX/XXXX via CFPB to inform them XXXX I am no longer disputing any information on this account at this time, due to being in the process of getting a mortgage and that the dispute wording on these accounts were preventing my loan approval. I then asked them to please remove the dispute comments with all of the credit reporting agencies, which included XXXX  XXXX. I have attached this initial complaint letter titled : Initial Complaint Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. APPLE CARD - GS BANK USA responded on XX/XX/XXXX. This is part of their response, On XX/XX/XXXX, the Bank submitted a request to remove the dispute comments from the Customers credit reporting. The Customer should allow up to 30 days for the change to reflect on the credit reporting. Based on the above details, the Bank kindly requests for this complaint to be closed. I have uploaded the complete response titled : Response Goldman Sachs XXXX. Upon checking my credit report for XXXX  XXXX, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what APPLE CARD - GS BANK XXXX said that they did. XXXX XXXX XXXX responded on XX/XX/XXXX. This is part of their resonse, The dispute removal has been completed and we report every Monday and to our understanding... it takes about XXXX days for a reflection on your credit report. I'm sorry for any inconvenience this might have caused. I have uploaded the complete response titled : XXXX XXXX XXXX XXXX pdf. Upon checking my credit report for XXXX  XXXX, it shows that they added the dispute remarks instead of keeping it off of my credit report & file ; the complete opposite of what XXXX XXXX XXXX said that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
I was denied credit due to Experian showing 3 liens on my property. I only have one lien. I had a title search done which only showed 1 lien.This prevented me from purchasing another home. I attempted several times to get hold of them. The first phone number was automated and stated they could not transfer me to a live person. The second phone number I found stated they have more than usual activity and there was a wait. This message is on daily. I was on hold for 30 minutes when " XXXX '' picked up the phone. Once I explained the situation he transferred me to the XXXX dept. Another XXXX minutes on hold and " XXXX '' picked up. She asked if I could hold for a minute. I said yes and she disconnected me. I called a number XXXX digit up from the second number and immediately reached someone in the data breach dept. He could not help me and offered to transfer me. After over an hour on the phone I asked if I could file a complaint. He took the complaint with my info and promised I would receive a return call within 24-48 hours. The call never came. I attempted to call back twice more and was disconnected each time. There is incorrect information on my report. I proved it through a title search. 
I do not know the specifics on this because it isn't listed anywhere except through Experian. This info does not show up on my credit report.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit reported to all three credit bureaus of XXXX different accounts that they claim I owe them money for. I never had or have an account with MIDLAND CREDIT nor did I have a verbal or written contract with MIDLAND CREDIT. They keep reporting negative remarks on my credit report affecting my ability to financially improve the quality of life of my family and myself. The dates that are reflected on my credit report are XX/XX/year> and XX/XX/year>. I've disputed these items on numerous occasions with all the credit bureaus for them to verify false and fraudulent information providing no proof of their investigation. XXXX XXXX did a hard unauthorized credit pull resulting in a hard inquiry as well as XXXX XXXX XXXX which was not verbally or written consent for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive been a victim of identity theft for years. The credit bureaus are reporting multiple fraudulent accounts on my credit including a bankruptcy, which I have not had any bankruptcy proceedings or in any court. 
But the credit bureaus are reporting this. 
These inaccurate reporting are hindering my life and any forward financial steps. All bureas are still reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been a victim of identity theft for years. The credit bureaus are reporting multiple fraudulent accounts on my credit including a bankruptcy, which I have not had any bankruptcy proceedings or in any court. 
But the credit bureaus are reporting this. 
These inaccurate reporting are hindering my life and any forward financial steps. All bureas are still reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN CREDIT BUREAUS MISSING ACCOUNT INFORMATION ON MY CREDIT REPORT IVE ATTACHED A COPY OF MY CREDIT REPORT SHOWING XXXX AND XXXX REPORTING MY AUTO LOAN.

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 2025-04-22 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:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I have never opened this account, and I have no knowledge of its existence or any activity associated with it. I am puzzled as to how it was created, as I do not recall any steps taken to establish it or provide any personal information related to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I was a victim of XXXX XXXX and the guy forced me to open a lease account with XXXX XXXX with out my consent..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  and Experian 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 a personal credit card account.

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.

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