vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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 am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report it says that there are late payments on my XXXX XXXX credit card accounts. All payments were made on time and there were no late payments on any of my XXXX XXXX XXXX. Kindly delete these late payments from my credit report and update the accounts to paid as agreed and or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
On my credit report it says that there are late payments on my XXXX XXXX credit card accounts. All payments were made on time and there were no late payments on any of my XXXX XXXX XXXX. Kindly delete these late payments from my credit report and update the accounts to paid as agreed and or delete these accounts from 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 2025-03-30 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2025

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 2025-03-30 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-30 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I went in to my local truist bank to apply for a loan. I was in encouraged to apply for a credit instead. I thought it was a good idea. I applied and submitted every documents requested. She stated everything looked good until she pulled up my credit. She stated I had a high XXXX XXXX of XXXX She laughed it off. She made a call for back up. She requested a XXXX  months electric bill. I submitted it the next day. She told me she would submit to underwriting depth and I'll receive a call personally from her. I never received a call after several attempts as well as truist XXXX. I was told my I was told my application was never submitted and she also sent a unprofessional letter to my address stating I can dispute if I like concerning having a high XXXX XXXX. I called customer service they said I was never in the system or apply for a loan stated by customer. I was told to send all Info back to the underwriting debt XXXX denied it until I get more info about the bank representative at I local bank to make sure my credit I fo was not tampered with. This is discrimination.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : PROGRESSIVE Collection XX/XX/XXXX Collection account. {$2800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2800.00} XX/XX/XXXXXXXX XXXX XXXX {$2800.00} {$2800.00} 1 Month Individual Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
At few months ago I keep recipe a letter from XXXX XXXX XXXX. They say I have owe XXXX different company money XXXX XXXX XXXX XXXX XXXX XXXX XXXX them talking about my information theft XXXX send the police report for them but I still have recipe debt collection letter XXXX owe At & T {$1500.00} and my XXXX XXXX reduced. Please help me solution this problem!!!

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 2025-03-30 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-03-30 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: FL

Complaint narrative:
On my credit report it says that there are late payments on my XXXX XXXX credit card accounts. All payments were made on time and there were no late payments on any of my XXXX XXXX XXXX. Kindly delete these late payments from my credit report and update the accounts to paid as agreed and or delete these accounts from 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
Creditor : XXXX XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally XXXX my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CO

Complaint narrative:
I applied for a credit card through first digital credit card company I clicked the link and submitted a payment of {$95.00} for my first yearly activation fee as which you normally do with any credit card company. I never received my credit card so I contacted them and they told me that I needed to provide proof of identity. They requested me to send a copy of my physical drivers license a copy of my physical Social Security card and a copy of a piece of mail I provided all three documents and was still never provided my credit card so I contacted the company again and they informed me that they never received any application from me for any credit. after they looked up my information when I gave him that reference number they were like oh yeah we found your application. We see you already submitted everything. Your credit card will arrive. It never arrived. I ended up canceling the account with them and they said they would refund me my {$95.00} within 10 to 15 business days. It has exceeded more than a month and when I contacted them regarding that they told me that they had deposited my {$95.00} back into my debit card on XX/XX/XXXX my bank wouldve informed me when I contacted my bank. They told me there was no pending transactions for any money credited back to my account. The bank is also doing an investigation himself and have been provided documentation. In the meantime they told me to keep contacting the credit company. I have done so in the credit company has now started to ignore me or give me the runaround or tries to say that I need to work with my bank because they already sent the money back when the bank verified they have not sent the money back. This credit card company is a scam company and filled with a bunch of XXXX that answer their phones. Im not trying to be XXXX, but I feel like I was scammed because I have never in my life had to submit a copy of my ID Social Security card or piece of mail to validate who I am for a credit card. I think I made a big mistake and I sent {$95.00} to first digital which is a fraudulent credit card company I also have a video recording from my other phone, recording my phone on speakerphone with their number displayed and the lady stating who she represents multiple times through first digital and stating that the money had been refunded, which never had been this is a video recording that I was taking with the conversation with first digit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NM

Complaint narrative:
My personal information was impacted by the Transunion XXXX XXXX which violates the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Federal Trade Commission Act ( FTC Act ) and Consumer Financial Protection Act - 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

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 2025-03-30 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: KY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MD

Complaint narrative:
I've been harassed from IQ Data International since the beginning of the year, multiple phone calls from different numbers. Recently I received a notification from my bank ( XXXX XXXX ) that my credit score had dropped several points. I logged in and saw " XXXX XXXX XXXX '' as the interested party for {$350.00}. I had moved out of this apartment last year and paid all of my closing costs ( last utilities, closing costs, etc ). I reached out to XXXX XXXX to ask what they're saying I owe, only to find out the property was sold within weeks of me moving out to new management. The previous owners when I lived there were XXXX XXXX XXXX, and now they are XXXX owned. They said they have no records for the previous tenants and could not help me. I called IQ Data International using the phone number on their website on XX/XX/XXXX @ XXXX. I gave them my name and said I was only calling to get a PO Box or mailing address to send a letter requesting verification of this " debt ''. The associate began to berate me saying they would destroy my credit, I'd never be able to purchase a house or rent again, and refused to give me a mailing address. I asked again for the address to which they replied " XXXX XXXX XXXXXXXX XXXX  '' ( a fake address ). 
I emailed XXXX XXXX XXXX who sent me a falsified bill that shows they took my entire deposit ( {$400.00} ), ignored my payment of utilities ( which I retain record and receipts of ), and charged the additional {$350.00} under " Miscellaneous Maintenance ''. They ended the email with XXXX XXXX leasing office information if I had " any further questions '' ( again, complex they no longer own ). I responded with a email saying I disagree with the falsified bill and will be pursuing legal representation if we can not come to an agreement. No response. 
My credit score continues to go down on XXXX XXXX and they're now claiming it is {$360.00} owed. It would appear XXXX XXXX XXXX and IQ Data International are partnering in illegal billing and billing collection, refusing to provide verification or communication and tanking someones credit who has never held debt.

Company response to consumer: Closed with explanation