vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: LA

Complaint narrative:
Account Cherry Technologies Inc # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name XXXX XXXX XXXX NY Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXX CLOSED XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXX CLOSED XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ASKED FOR ADDRESSES TO BE REMOVED THAT I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ASKED FOR ADDRESSES TO BE REMOVED THAT I HAVE NO KNOWLEDGE OF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$8400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$3400.00} Open Date XX/XX/XXXX XXXX Balance : {$190.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$4500.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$6300.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$17000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$6300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$22000.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$30000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$56000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$9400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$23000.00} Open Date 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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: OH

Complaint narrative:
Account with XXXX  card. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please deleted this account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I recently was denied ann auto loan due to multiple fraudulent account on my credit report. On XX/XX/2025 I sent validation of debt letters to all three credit bureaus under the skies of identity, theft and data breach to do a thorough investigation into the accounts that are on my credit report to provide a chain of assignment, provide me with a history of payment, the original contract with my signature in any other information to verify that the debt belongs to me. Neither the credit bureaus, or the companies were able to provide verification of debt owed or if the debt belongs to me resulting in a huge decrease in my credit score a denial in an auto loan in public humiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.com has many support problems with their phone app not connecting to support and their XXXXcrypto.com weblink not working when used on XXXX phones ( 72 % of phones out there. ). People turn to social media to find support and apparently scammers are there as well. 

After reporting a problem one is having on Crypto.com, the social media number one calls says they have reported my account for closure. Then a scammer contacts you representing themselves as Crypto.com support saying that they are verifying my account closure and prevent the closure and take your issue from there forward. This separate number was a XXXX person named XXXX who did all this. 

As they get into your account, they ask you to delete it for 24 hours and then all will be better. When you reinstall, the damage has been done. The scammer could not use a withdrawal account he created due to my security but crypto.com promotes a credit card ( which I never had ). The scammer applies for a credit card while in your account and while the card application is pending, not even complete, they are able to move funds out, make purchases, buy gift cards, pay their cell phone bills, etc. In dealing with crypto.com after this happened, they really don't treat this like any normal credit card would. I need to report this to the FTC as well. Any bank that offers a credit card has a strong requirement to chase fraud, not let charges go onto a newly 'pending ' card. 

BUYER BEWARE - do not get Crypto.com 's credit card as it proves to be a quick backdoor into your financial account, even if you don't apply for the card. It will drain your finances and their support desk seems ill equipped to deal with this credit card scamming issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate and correct inaccurate and inconsistent information on my credit report regarding XXXX accounts : XXXX XXXX and XXXX XXXX. These accounts were previously disputed, but Experian has neither removed the unverifiable data nor provided the required Method of Verification. The continued presence of these errors violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 



Details of the Problem : XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is reporting this account as Closed with a last payment date of XX/XX/XXXX. However, XXXX  reports this same account as Open, with a last payment date of XX/XX/XXXX and an active dispute comment. Additionally, XXXX  reflects a different account closure reason. These cross-bureau inconsistencies are a direct violation of : FCRA 1681e ( b ) : Experian has failed to maintain maximum possible accuracy. 
FCRA 1681i ( a ) : Experian has not conducted a reasonable reinvestigation. 
XXXX XXXX Guidelines : Require uniform reporting across all CRAs regarding account status, last activity dates, and dispute notations. 
FCRA 1681i ( a ) ( 5 ) : Items that can not be verified must be deleted. 
FCRA 611 ( b ) : I formally requested the name of the furnisher, address, method of verification, and documentation, and Experian has not complied. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian lists this account as Closed with a charge-off and a balance of {$330.00}. However, XXXX  reports the same account as Open, with a different date of last activity and status code. XXXX  also shows different payment history, which affects my creditworthiness and overall report accuracy. Despite my initial dispute, Experian has maintained the inaccurate data and added comments such as Account Information Disputed by Consumer or Consumer Disputes This Account Information without conducting a proper investigation or providing documentation. 

This violates : FCRA 1681e ( b ) : Information is not consistent or accurate. 
FCRA 1681i : Experian failed to respond with valid MOV documentation. 
FCRA 1681s-2 ( b ) : Data furnishers and CRAs are obligated to report accurate and verified information. 
XXXX XXXX Format Guide : Requires accurate synchronization across bureaus for account status, payment history, and closure reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
18XXXX XXXX XXXX Code, Section 1030, Please delete all collections off my credit report. All my information was stolen Im the data breach and all my sensitive information has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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