vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts appear on my credit reports with Equifax, Experian, and XXXX. Despite submitting disputes and providing proof of fraud, these bureaus have failed to remove the inaccurate information, violating the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act ( FACTA ) XXXX XXXX ( Account # : XXXX ) Collection account for XXXX  XXXX XXXX. 
XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX XXXX. 
XXXX XXXX XXXX  ( Account # : XXXX ) Charged-off credit card. 
XXXX XXXX ( Account # : [ Not listed ) Charged-off installment loan.ns Act ( FACTA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts appear on my credit reports with Equifax, Experian, and XXXX. Despite submitting disputes and providing proof of fraud, these bureaus have failed to remove the inaccurate information, violating the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act ( FACTA ) XXXX XXXX ( Account # : XXXX ) Collection account for XXXX  XXXX XXXX. 
XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX. 
XXXX XXXX XXXX ( Account # : XXXX ) Collection account for XXXX XXXX XXXX. 
XXXX XXXX XXXX  ( Account # : XXXX ) Charged-off credit card. 
XXXX XXXX ( Account # : [ Not listed ) Charged-off installment loan.ns Act ( FACTA ).

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 2025-05-08 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:
My credit report contains incorrect personal details, and as a result, unknown and inaccurate accounts have appeared that do not belong to me. This is not a simple errorit reflects a serious issue of mixed and compromised information, which is now affecting my financial standing and causing ongoing stress.

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 2025-05-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Unauthorized Hard Inquiries from My Credit Report HI, I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries listed on my credit report. 
After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MI XXXX ( XXXX ) XXXX ) Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency is not permitted to provide a consumer report in connection with a credit transaction unless the consumer has given permission. I did not authorize these inquiries, nor did I initiate any business relationship or credit application with these entities. Therefore, these inquiries violate my rights under the FCRA. 

Furthermore, under FCRA 604 ( a ) ( 3 ), only inquiries made with a permissible purpose and consumer consent may be legally included in my credit report. I am requesting a full investigation into these entries, and unless you can provide documented proof that I authorized these inquiries ( including my signature or application ), they must be removed from my credit file.

Please conduct your investigation within the required 30-day period as mandated by FCRA 611, and notify me in writing of the results. 
If the inquiries are found to be unauthorized, I request written confirmation of their removal and an updated credit report reflecting this correction. 

Sincerely, 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 2025-05-08 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Contacted Equifax Credit Reporting Agency - Spoke to Irate/disrespectful employee concerning bankruptcy filed in XXXX. 

Employees name is XXXX XXXX ID # XXXX Phone Call : XXXX - XXXX On XX/XX/XXXX, I contacted Equifax via their toll-free number ( XXXX ) and spoke with XXXX ( Employee ID XXXX XXXX ) regarding an inaccurate bankruptcy entry listed on my credit report. 

I requested to dispute the bankruptcy entry due to the lack of validating documentation or verification from the original source ( i.e., the bankruptcy court or creditor ). 

XXXX refused to initiate the dispute over the phone, in direct contradiction to rights granted under the Fair Credit Reporting Act 1681i ( a ), which allows consumers to dispute inaccurate information by any available means. 

The representative was rude and dismissive, further exacerbating the concern by failing to provide any verification sources or documentation justifying the report of the bankruptcy. 

As per the FCRA and Illinois law, Equifax is obligated to verify public record information directly with the source before listing it. Failure to do so and denying the consumers right to dispute the record violates both federal and state consumer protection laws. 

XXXX refused to accept my dispute, while speaking in a disrespectful manner. I am reporting his behavior and reporting to the Office of Attorney General for further review. 

1. Right to Dispute Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is reported and disputed. Under the FCRA : Consumers have the right to dispute inaccurate information with a Credit Reporting Agency ( CRA ) by phone, online, or in writing.

The CRA must not refuse to take a dispute based on the method it was submitted. 

Upon receiving a dispute, the CRA must conduct a reasonable investigation, usually within 30 days, and provide a response. 

Refusing to accept a dispute over the phone violates this right. 

Relevant section : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Sometime on or about XX/XX/year>, an unknown person without my knowledge or consent, attempted to open a XXXX XXXXXXXX XXXX XXXX XXXX ( Barclays ) under my name ( application # XXXX ). I immediately contacted Barclays, who reported it as fraud. This resulted in a hard inquiry on my XXXX. I checked again several months later, stating it was still on my profile, and they said sometimes it takes 30-60 days. It has now been almost a full year, and is still on my profile.

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 2025-05-08 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: FL

Complaint narrative:
I am formally disputing the reporting of late payments on my XXXX auto loan, account ending in XXXX XXXX 

This account has been paid off in full, and I maintain that I was never late on this account. The payment history shown is inaccurate and misrepresents my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I request full verification of the payment history and supporting documentation showing any alleged delinquency, including : A complete payment ledger from XXXX The original contract A written record of any alleged missed payments If you can not provide documentation verifying the accuracy of this derogatory information within 30 days, I request that all late payments be deleted immediately and the account be updated to reflect a positive payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 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 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 2025-05-08 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: GA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering XXXX assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, XXXX respect for the consumers right XXXX privacy. The banking system relies on accurate XXXX fair credit reporting, XXXX  when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies XXXX report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led XXXX an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related XXXX any transactions made by me. 

The Fair Debt Collection Practices Act was created XXXX ensure that laws XXXX  procedures are in place XXXX protect consumers from abusive, deceptive, XXXX unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means XXXX collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods XXXX collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times XXXX places, in violation of the law. 

XXXX CREDIT - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX - XX/XX/XXXX - {$0.00} XXXX CREDIT XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX OF XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XX/XX/XXXX - {$2200.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXT - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XX/XX/XXXX - {$3000.00} XXXX CARD - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$480.00} XXXX - XX/XX/XXXX TXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX FCU - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering XXXX assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, XXXX respect for the consumers right XXXX privacy. The banking system relies on accurate XXXX fair credit reporting, XXXX  when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies XXXX report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led XXXX an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related XXXX any transactions made by me. 

The Fair Debt Collection Practices Act was created XXXX ensure that laws XXXX  procedures are in place XXXX protect consumers from abusive, deceptive, XXXX unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means XXXX collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods XXXX collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times XXXX places, in violation of the law. 

XXXX CREDIT - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX - XX/XX/XXXX - {$0.00} XXXX CREDIT XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX OF XXXX - XX/XX/XXXX - {$2400.00} XXXX  - XX/XX/XXXX - {$2200.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXT - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XX/XX/XXXX - {$3000.00} XXXX CARD - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$480.00} XXXX - XX/XX/XXXX TXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX FCU - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: PA

Complaint narrative:
I have a XXXX XXXX account. I was solicited by them to lower my car payment. I went onto the XXXX XXXX site and found a 48 month loan with a 5.24 % rate. It was with another lender, Autopay. I began the application process with Autopay. They pulled my credit report. Then, I finally spoke to the loan representative at Autopay and they said that they don't have a 48 month rate at 5.24 %. They said that XXXX XXXX provides information about loan rates across the US. When Autopay put through the application which resulted in a credit inquiry, they told me that for my geographic area, they could only offer me a 5.44 % rate, which is not what was advertised. Also, they pulled my credit knowing they couldn't offer me the rate that was advertised. So, now I have a credit inquiry on my account which negatively affects my credit and I don't have the loan that they advertised at the rate and duration they advertised. 

The Application Number for AutoPay is XXXX Loan officer : XXXX XXXX - XXXX - email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-08 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: AZ

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX, I requested the XXXX XXXX XXXX  ( XXXX ) that our report be forwarded to the Federal Bureau of Investigations to investigate our mortgage loans with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, along with our credit lines ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for which I was a victim of exploitation due to my XXXX and victim of organized crime from the year XXXX  to Now.

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