vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CL Holdings LLC
State: TX

Complaint narrative:
I consistently get calls from spam accounts with my name and information about accounts that were never mine! I feel my identity has been compromised, I have already filed a identity thief report and nothing has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a premier  account with Equifax. $ XXXX. Had it for 20+ years. Attempted login XX/XX/XXXX to check current report and score. Unable to login. Website would indicate all okay, but no access. Fearful they had been hacked again, I clicked to reset password. Received confirmation reset successful. Used new password, Still can not access. Tried resetting again. Ultimately received a box stating they had locked my access for failed attempts. Only resolution to call customer service. It is offshore. I called XX/XX/XXXX. I was told my issue was escalated and I would receive an email in 2-3 hours. No email. No resolution, still locked out, 2 days later XX/XX/XXXX, I tried access again. Same result. Called again. Per their instructions I cleared my cache and used incognito. Nothing. Told they had problems and it was escalated. Tried again XXXX. Same result. Now 5 days later no email, no access. I have tried with XXXX different browsers on 3 different devices. I have my credit frozen. Without access I can not unfreeze. Im paying $ XXXX for a service I can not access. Besides all of this, I can not get my guaranteed free credit report. A quick internet search details this is a common issue with Equifax impacting thousands of people. How can a credit service tasked with such an important job not provide access required by law? How can Equifax continue to bill me for a service I can not access? I have now spent 10 hours trying to gain access via a non functioning login and an offshore XXXX customer service that really doesnt care. FYI, I do NOT have any problems accessing the other credit reporting agencies. They are fully functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL CREDIT SYSTEMS regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATLCRSYS  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$12000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL CREDIT SYSTEMS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I am writing to formally dispute the validity and ownership of the following account, which appears on my credit report and is listed with the following details : XXXX XXXX XXXX I want to make it clear that I have no knowledge of this account, nor have I ever opened or authorized any such account. This account does not belong to me and appears to be a result of identity theft or reporting error. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting the immediate removal of this account from my credit file and a thorough investigation into the origin and authorization of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I am writing to formally dispute the validity and ownership of the following account, which appears on my credit report and is listed with the following details : XXXX XXXX XXXX I want to make it clear that I have no knowledge of this account, nor have I ever opened or authorized any such account. This account does not belong to me and appears to be a result of identity theft or reporting error. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting the immediate removal of this account from my credit file and a thorough investigation into the origin and authorization of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint Against : Equifax, Experian, TransUnion Summary of Complaint : I am submitting this complaint regarding the failure of the above credit reporting agencies to conduct a reasonable reinvestigation of disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I disputed the following accounts : - XXXX Charged-off Account - XXXX XXXX XXXX Collection Account Despite my formal disputes, the credit bureaus responded that the accounts were verified without providing any documentation, account-level evidence, or meaningful investigation. It appears the bureaus merely relied on the furnishers confirmation ( parroting ) without obtaining supporting records or examining the underlying validity, which is a violation of FCRA 1681i ( a ).

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 2025-05-02 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: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 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: OR

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 2025-05-02 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: OR

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX Equifax, and XXXX  for continued reporting and collection of XXXX XXXX  debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus contin

ue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights , or servicing obligations in light of the agencys abolishment. 3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection ef
forts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OR

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX XXXX and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan
servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 non-monetary relief
Consumer complaint received 2025-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I notice a Hard Inquiry from Capitol One. I called Capitol One customer service. I do have Capital One XXXX line of credit. They stated that they did not make the inquiry or show I requested a line of credit or apply for another card under them. They asked if I had any other Credit Cards. I named a few. I mentioned Kohls as one and I stated, " I believed they closed my account though due to not utilizing the card for an extended period of time. '' The rep suggested she forward me to Kohls customer service and check with them. The Capitol One rep forwarded my call to Kohls Customer Service. A Kohls rep answered. I explained my concern of a hard inquiry that I did not have knowledge of or give consent for. After she placed me on a few minutes hold she came back and said, " Yes, you may see that inquiry as we make the switch to Capitol One. '' I asked her 3 separate times, " So, you're saying that Kohls made the hard inquiry? '' She avoided all 3 times until I said, " Ma'am, it's a simple yes or no question. Is it a yes or no? '' She responded, " Yes ''. She then went on to try and tell me that it shouldn't impact my credit score for too long. I asked to speak to a supervisor. I was placed on hold for a bit and when the supervisor appeared on the phone, she tried talking over me and not hearing my concern. I finally got a word in edge wise and asked her when I gave consent for them to check my credit and place a hard inquiry on my report. She stated that she can't discuss the matter with me, I will need to file a complaint, and she will need my information to discuss further. I explained to her that I have already shared all my info with them except for my blood type and kohls has my info on file if they can do a hard inquiry without my knowledge or consent. I asked her to transfer me to the department at kohls that handles these kinds of disputes, and she told me they don't offer that type of support. I explained to her that they are not a government agency, debt collector, or bankruptcy firm and it's not legal for them to do hard inquiries with consumer knowledge and consent. I hang up on her. I tried to dispute with Transunion directly. They said their process is that I have to report it as fraud to the XXXX XXXX XXXX and show proof I did this before they can dispute a hard inquiry. So, here I am. I did not give consent or have knowledge of the Capitol One inquiry made on XX/XX/year>. I have not applied for a credit line increase or a credit card this year of XXXX  with any company or lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
do not recognize this debt or debt collector. did not do any type of business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

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

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Removal of Inaccurate Personal Information To Whom It May Concern, My name is XXXX XXXX XXXX XXXX XXXX Below is my identifying information for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( This is my correct and current address ) I am writing to formally dispute the inaccurate personal information currently listed on my Equifax credit report . The following items are incorrect and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my file to reflect only my correct legal name and current address as listed above. I am requesting that these incorrect records be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and verifiable. 

Please complete this investigation within the 30-day period as required by law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Unauthorized Hard Inquiries Request for Immediate Removal To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. Below is my identifying information for your reference : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX I am writing to formally dispute unauthorized hard inquiries listed on my TransUnion credit report XXXX I did not authorize or initiate the following inquiries and therefore request their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated by me, nor did I provide written authorization for these institutions to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), a credit reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and proper authorization. Furthermore, Section 604 ( c ) ( 1 ) ( A ) states that for a credit or insurance transaction not initiated by the consumer, written permission must be obtained from the consumer before a hard inquiry is made.

These unauthorized inquiries have negatively impacted my credit score and should be removed immediately as they are in violation of my consumer rights. Please conduct an investigation as required under Section 611 of the FCRA, and provide the results within the 30-day time frame allowed by law.

Attached are my identifying documents to assist in your investigation.

Thank you for your prompt attention to this urgent matter. 
Sincerely, 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 explanation