vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a XXXX  XXXX XXXX loan opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, account discrepancies and late payment errors. and fraudulent collections appearing on my consumer FICO credit report I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments, 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 # XXXX 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.

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 2025-03-10 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: NJ

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 2025-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your company has placed multiple inquiries on my credit report without my authorization.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> I received a XXXX hard inquiries, one from XXXX XXXX, following with a text message containing a one time verification code. Then I later received a notification that I had another inquiry from JPMCB card. I didnt not authorize either of the two and believe someone is using my information to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hard inquiries that are fraudulent that I didnt give consent and/or authorization to run. 

FI XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023

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 2025-03-10 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:
I am writing to file a complaint regarding a charged-off loan with XXXX XXXX . The loan is currently being reported on my credit report as charged off and written off as profit loss, which is negatively impacting my credit score. 

I contacted XXXX XXXX to request a 1099-C form, as the loan appears to have been forgiven or written off. However, despite my request, they refused to provide this form. Without a 1099-C, I am concerned that the charged-off account is being inaccurately reported on my credit report, especially since it should no longer be showing as an active debt if it has been canceled or forgiven. 

The current reported balance on the loan is {$12000.00}, and it is listed as a charged-off account. This loan is impacting my credit score and financial situation. I believe there is an error in the reporting, and I am seeking assistance in resolving this matter and having the incorrect information removed from my credit report. 

Actions Taken : Date of request : I contacted XXXX XXXX on XX/XX/year> and requested the 1099-C form. 
Outcome of request : They refused to provide the form and did not provide any further clarification on the status of the loan. 
Credit report status : The loan is currently showing as charged off on my credit report as of XX/XX/year>. 

I respectfully request that the CFPB assist in resolving this issue by investigating the inaccurate reporting of this loan on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 am writing to file a complaint regarding a charged-off loan with XXXX XXXX . The loan is currently being reported on my credit report as charged off and written off as profit loss, which is negatively impacting my credit score. 

I contacted XXXX XXXX to request a 1099-C form, as the loan appears to have been forgiven or written off. However, despite my request, they refused to provide this form. Without a 1099-C, I am concerned that the charged-off account is being inaccurately reported on my credit report, especially since it should no longer be showing as an active debt if it has been canceled or forgiven. 

The current reported balance on the loan is {$12000.00}, and it is listed as a charged-off account. This loan is impacting my credit score and financial situation. I believe there is an error in the reporting, and I am seeking assistance in resolving this matter and having the incorrect information removed from my credit report. 

Actions Taken : Date of request : I contacted XXXX XXXX on XX/XX/year> and requested the 1099-C form. 
Outcome of request : They refused to provide the form and did not provide any further clarification on the status of the loan. 
Credit report status : The loan is currently showing as charged off on my credit report as of XX/XX/year>. 

I respectfully request that the CFPB assist in resolving this issue by investigating the inaccurate reporting of this loan on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 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 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-10 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: AK

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : GLOBAL FCU XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-03-10 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: OH

Complaint narrative:
Under FCRA 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of all disputed information and delete or correct any information that is inaccurate, incomplete, or unverifiable. Failure to do so may constitute a violation of federal law. Please provide me with documentation verifying the accuracy of this information, or delete/correct it from my credit report in compliance with the FCRA.

I am aware of recent CFPB investigations and lawsuits regarding inadequate dispute procedures by credit reporting agencies. In light of these developments, I expect Equifax and Experian to fully comply with its legal obligations to conduct a thorough, individualized reinvestigation of my dispute, rather than any cursory or automated process that fails to verify the accuracy of the information in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I got two debit cards that I did not apply for on XX/XX/year>. One from XXXX XXXX XXXX and one from Citicards Mastercard. I immediately called Citicards and they kept transferring me around. I tried calling XXXX XXXX and it was the same. They said that the person that opened the account was from Maine. I live in Ohio. I've lived in Ohio all my life. XXXX XXXX claimed they closed the account and started fraud proceedings, but then sent to again to different departments again, so I don't know if it actually was.

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 2025-03-10 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

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 2025-03-10 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: CO

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 2025-03-10 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: CA

Complaint narrative:
In XXXX i was made aware i was a victim of identity theft. I contacted the collection agencies. they verified that my name was correct and that my information matched up. The only difference was an address that I didn't recognize. I was pretty sure that my ex wife filed for bankruptcy to try and save a property that was in both our names that was in foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX i was made aware i was a victim of identity theft. I contacted the collection agencies. they verified that my name was correct and that my information matched up. The only difference was an address that I didn't recognize. I was pretty sure that my ex wife filed for bankruptcy to try and save a property that was in both our names that was in foreclosure.

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 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute of Alleged Debt To Whom It May Concern I am writing to formally dispute any and all debts allegedly owed to your agency. I do not acknowledge nor have I ever incurred any financial obligation to the Consumer Financial Protection Bureau or any related entity. I request that you provide me with complete validation of this alleged debt, including a detailed accounting, the original creditors information, and any legal documents proving my obligation to pay. 


Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand that any negative reporting related to this matter be removed from my credit report unless you can provide verifiable proof that the debt is legitimate and lawfully assigned to me. Additionally, I request that you cease any further collection attempts until this matter is fully resolved. 

Failure to provide adequate proof of this debt within the required timeframe will result in further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal counsel if necessary. 

Please respond in writing within 30 days of receiving this letter. If this debt is erroneous, I request immediate correction and written confirmation stating that I do not owe this debt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
Gold acceptance have a XXXX debt on my account i call them an let them no that does not belong to me waiting on a supervisor to call me still havent speak to no one its been almost XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation