vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding an inaccuracy in the reporting of my credit account with Bank XXXX XXXX ( Account ending in XXXX ). Specifically, I have identified a discrepancy between the credit data reported by Equifax and that reported by TransUnion. While TransUnion reflects updated and accurate information as of XX/XX/year> showing a current balance of {$3800.00} and a credit limit of {$8000.00} Equifax continues to report outdated information, showing a balance of {$4000.00} and a credit limit of only {$4300.00} as of XX/XX/year>. This discrepancy has persisted despite both reports relating to the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian deleted my address and date of birth from my credit report. Now I have no address and my dob only shows the year I was born.

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 2025-05-04 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: TX

Complaint narrative:
The account reflects a Date of Last Payment of XX/XX/XXXX, indicating that my last payment was made on that date. 
The payment history reports the account as XXXX days late in XX/XX/XXXX, followed by a Charge off ( XXXX ) status from XX/XX/XXXX onward across all XXXX bureaus ( XXXX, Experian, XXXX ). 
Based on the last payment date of XX/XX/XXXX, the account should have been reported as delinquent starting in XX/XX/XXXX ( XXXX days late ), progressing to XXXX days late in XX/XX/XXXX, and XXXX days late in XX/XX/XXXX. However, the payment history shows no delinquency prior to XX/XX/XXXX, which is inconsistent with the reported timeline. 
The Date Last Active is listed as XX/XX/XXXX, suggesting activity after the last payment, but the payment history does not align with this timeline. 
This discrepancy suggests potential errors in the reporting of the payment history or the Date of Last Payment.

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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I used the atm at the XXXX XXXX hotel by XXXX XXXX XXXX in XXXX Georgia. I withdrew {$200.00} twice. I left my purse in the lobby with my XXXXXXXX XXXX XXXX, and XXXX XXXX. My phone had a slip of paper with all my passwords written down on it and my card had a small post it note with my pin on it. This is the last time I seen my stuff. I sent money to my XXXX  from the app. I normally ignore notifications from my bank because it's normally always about stock options, gains, and losses. A few days later I notice all the different transactions showing up in my account. I contacted Sofi to dispute the transactions and also filed a police report on the stolen card and transactions. The following transactions are the fraudulent transactions. Also no one has access or authorization to use my card or information. 

* * XX/XX/XXXX, {$200.00}, XXXX XXXX XXXX, GA * * XX/XX/XXXX, {$200.00}, XXXX XXXX XXXX, GA * * XX/XX/XXXX, {$200.00}, XXXX XXXX XXXX XXXX, GA * * XX/XX/XXXX, {$100.00}, XXXX XXXX XXXX XXXX, GA * * XX/XX/XXXX, {$71.00}, XXXX XXXX XXXX XXXX MI XXXX, GA * * XX/XX/XXXX, {$1200.00}, XXXX XXXX XXXX XXXX, GA The dates provided are the dates that the transactions cleared my account. All fraudulent transactions took place between the evening of XX/XX/XXXX and XX/XX/XXXX. I use Sofi for my banking needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I DONT RECONIZE THE ADDRESSES AND I WANT IT TO BE REMOVED FROM MY CREDIT REPORT 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

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
XXXX  is continuously reporting fraudulent information false information on my credit report account number XXXX has already been paid it is not supposed to be reported on my credit bureau as collection it's paid, PAID PAID IT'S PAID XXXX  ALONG WITH ADVANCED BUREAU OF COMPANY IS REPORTING FALSE INFORMATION ON MY CREDIT BUREAU THE AMOUNT DUDE IS PAID AND THE CONTINUOUSLY REPORTING ON EXPERIENCE FILE WHERE YOU CAN SEE ALL XXXX  XXXX THAT I HAVE COLLECTION THERE IS NO COLLECTION REMOVED OUT OF MY CREDIT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Within XXXX Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 

The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX CARD XXXX = : XXXX XXXX - XXXX BANK Closed on XX/XX/XXXX = XXXX BANK Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within XXXX days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. 

I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed a report with the Federal Trade Commision for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were created fraudulently without my consent. I have asked these entities to validate the debt, in which I have not received any valid information from any of these corporations. XXXX U.S. CXXXX XXXX ( a ) ( b ) ( c ) ( d ) ( e ) ( f ) ( h ) ( I ). 
I have sent my identity theft report along with my personalized letter NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA to Equifax, XXXX, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
I have filed a report with the Federal Trade Commision for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were created fraudulently without my consent. I have asked these entities to validate the debt, in which I have not received any valid information from any of these corporations. XXXX U.S. CXXXX XXXX ( a ) ( b ) ( c ) ( d ) ( e ) ( f ) ( h ) ( I ). 
I have sent my identity theft report along with my personalized letter NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA to Equifax, XXXX, and Transunion.

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 2025-05-03 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: TX

Complaint narrative:
Experian Several accounts are wrong or not mine I disputed the accounts and experian still leaves them on my credit report. Most are collection agencies I have never heard of. I even sent them the law from the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
Subject : Formal Dispute of Unauthorized Account Identity Theft Victim I am writing to formally dispute and demand the immediate removal of XXXX XXXXXXXX XXXX account. I am a victim of identity theft, and I am invoking my rights under federal law, including the Fair Credit Reporting Act ( XXXX U.S.C. XXXX, XXXX ), and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ). 

In accordance with XXXX U.S.C. XXXX, which allows for the blocking of information resulting from identity theft, I request that you cease all collection activities, close the disputed account, and delete this account from my file immediately. 
Attached to this letter are the following documents : 1. A copy of my FTC Identity Theft Report filed under XXXX U.S.C. XXXX ( e ). 
2. A copy of my government-issued identification ( Drivers License ). 


This account was used fraudulently without my knowledge or consent. I did not authorize any transactions nor benefit from any services or funds related to the account in question. I am exercising my right to dispute the validity of this account, as allowed under XXXX U.S.C. XXXXg and XXXX U.S.C. XXXXi. 
XXXX XXXX Social Security XXXX If you continue to report or pursue this account, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take legal action to protect my rights under federal law. 

Thank you for your prompt attention to this serious 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In XXXX, I submitted a formal dispute and settlement offer to XXXX XXXX XXXX  XXXX regarding a charged-off credit card account ending in XXXX, which continues to be reported negatively on my credit reports. The account was opened and became delinquent during a time when I was XXXX  XXXX as a member of the XXXX XXXX XXXX. Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to certain legal protections, including the ability to seek relief for financial obligations impacted by military service. Despite this, XXXX XXXX XXXX  XXXX failed to engage in good faith or offer any reasonable accommodation or resolution. On XX/XX/year>, I sent a written offer to settle the account in full ( {$1100.00} ) with the understanding that all negative credit reporting ( including charge-off status and late payment remarks ) would be removed. This offer was ignored not denied but completely disregarded. Additionally, my previous CFPB complaint regarding this matter was also ignored by the company, a clear violation of their obligation to respond under 12 CFR 1024.35 ( e ) ( Regulation X ) and Fair Credit Reporting Act ( FCRA ) 611 ( a ). As of today, the account remains on all three credit reports ( XXXX, XXXX, TransUnion ), harming my financial standing despite a documented history of military service and a legitimate effort to resolve the issue. I am requesting immediate action requiring XXXX XXXX XXXX  XXXX to : Cease all negative credit reporting tied to this account, Delete all derogatory tradelines from XXXX, XXXX, and TransUnion, Provide a written response to this complaint, as required by law. Their repeated failure to respond, cooperate, or comply with consumer protection laws is unacceptable and should trigger regulatory scrutiny. I am documenting this not only for resolution, but also to signal a pattern of neglect by this institution toward military consumers.

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 2025-05-03 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:
A few months ago I was told a XXXX XXXX XXXX loan was in my name apparently a check I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is continuously reporting fraudulent information false information on my credit report account number XXXX has already been paid it is not supposed to be reported on my credit bureau as collection it's paid, PAID PAID IT'S PAID EQUIFAX ALONG WITH XXXX XXXX XXXX XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT BUREAU THE AMOUNT DUDE IS PAID AND THE CONTINUOUSLY REPORTING ON XXXX FILE WHERE YOU CAN SEE ALL XXXX XXXX THAT I HAVE COLLECTION THERE IS NO COLLECTION REMOVED OUT OF MY CREDIT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint because Citibank account ending in XXXX is reporting a charge off of an account that are inacurante and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the charge of still remains without proper verification or validation. Under 15 USC XXXX XXXX Furnitures must report accurate information under 15 USC XXXX I The credit bureau must perform a reasonable investigation within XXXX days. Neither of them have provided sufficient documentation or evidence to support the negative reporting.

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 2025-05-03 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: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX am Filing this CFPB complaint request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you XXXX, TransUnion XXXX XXXX  credit reporting agencies, 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. These accounts consist of XXXX XXXX  XXXX XXXXhave 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 copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
I ordered a loveseat and recliner. I paid the recliner off they said I owed for the loveseat. I told them never received it. I also called the day I received the recliner asking about the loveseat seat they said it would be sent separately. The recliner was not on the porch but on a XXXX XXXX between my house and neighbors. I asked several times for proof they never provided one. I turned into XXXX received a response from XXXX that they never answered. This is on my credit report as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
The following account listed are not mine, I have no knowledge of these account : XXXX 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 explanation
Consumer complaint received 2025-05-04 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:
The following account listed are not mine, I have no knowledge of these account : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This complaint is against the CRA 's regarding account XXXX. I sent a dispute to the collection agency, and they said they would remove this account, but I am still seeing it on my credit report. I also sent a dispute letter to the CRA 's in XXXX informing them of this and they still failed to remove this account. The company sent me correspondence XX/XX/scrub>XXXX XXXX XXXX which was forwarded so I'm confused as to why this account is still reporting. Attached is the letter from XXXX XXXX XXXX. I am demanding that this account is removed from my credit report immediately.

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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I would like the XXXX that isnt my inquiry Reported : XXXXXXXX XXXX XXXX removed from my credit report. I never authorized Jefferson Capital Systems , LLC to place anything onto my credit report without validation of the debt. I never owed XXXX {$800.00} out of a {$450.00} credit limit. According to 15 USC 6802 and 15 U.S.C. 1692c my rights have been violated.

Company response to consumer: Closed with explanation