vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX with a balance of approximately {$950.00}, last updated in XX/XX/XXXX. I submitted a dispute with Experian in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and requested proper validation. 

The bureau verified the account but failed to provide sufficient documentation, including original creditor records, proof of ownership, and accurate reporting details. This violates the FCRA requirement for a reasonable investigation. I am requesting permanent deletion of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Here 's the information formatted for the CFPB, based on your provided details : What happened? 

On XXXXXXXX  the was a vehicle accident involving my XXXX XXXX. The vehicle was totaled. I was not at fault for the accident. 

XXXX XXXX XXXX XXXX XXXX, paid a portion of the vehicle loan. 

XXXX XXXX XXXX XXXX misreported the loan. The XXXX XXXX XXXX also paid their portion. The remaining balance was paid by the GAP Insurance, a subsidiary of XXXX. 

Despite these payments, XXXX XXXX XXXX XXXX delayed processing the insurance claim. As a result, negative information related to the vehicle loan ( past due balance, '' " delinquent account, etc. ) was reported on my credit report. This negative reporting is inaccurate because the loan balance was ultimately satisfied by the insurance payments from XXXX, the XXXX XXXX XXXX, and XXXXXXXX XXXX GAP Insurance. The XXXX # is XXXX Furthermore, the XXXX XXXX XXXX represents a service agreement for which payments were made. Given that these services were prepaid, the subsequent reporting of late payments or delinquencies associated with the XXXX XXXX XXXX is incorrect. This misreporting violates the Fair Credit Reporting Act ( FCRA ), which governs the collection, use, and reporting of consumer credit information. 

The inaccurate reporting has negatively impacted my credit score.

Relevant Statutes : Federal : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This act protects consumers from inaccurate information in their credit reports and requires that credit reporting agencies and furnishers of information ( like XXXX XXXX XXXX XXXX ) ensure the accuracy of the information they report. 

State : Texas Finance Code Chapter 348, Motor Vehicle Installment Sales. This chapter governs retail installment transactions for motor vehicles in Texas, which may be relevant to the financing and reporting of the vehicle loan and any related products like the XXXX XXXX XXXX. 

Texas Business and Commerce Code, Chapter 24, Deceptive Trade Practices-Consumer Protection Act. This act provides protections against false, misleading, and deceptive practices, which could be relevant if inaccurate information was reported as a result of such practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Here 's the information formatted for the CFPB, based on your provided details : What happened? 

On XXXXXXXX  the was a vehicle accident involving my XXXX XXXX. The vehicle was totaled. I was not at fault for the accident. 

XXXX XXXX XXXX XXXX XXXX, paid a portion of the vehicle loan. 

XXXX XXXX XXXX XXXX misreported the loan. The XXXX XXXX XXXX also paid their portion. The remaining balance was paid by the GAP Insurance, a subsidiary of XXXX. 

Despite these payments, XXXX XXXX XXXX XXXX delayed processing the insurance claim. As a result, negative information related to the vehicle loan ( past due balance, '' " delinquent account, etc. ) was reported on my credit report. This negative reporting is inaccurate because the loan balance was ultimately satisfied by the insurance payments from XXXX, the XXXX XXXX XXXX, and XXXXXXXX XXXX GAP Insurance. The XXXX # is XXXX Furthermore, the XXXX XXXX XXXX represents a service agreement for which payments were made. Given that these services were prepaid, the subsequent reporting of late payments or delinquencies associated with the XXXX XXXX XXXX is incorrect. This misreporting violates the Fair Credit Reporting Act ( FCRA ), which governs the collection, use, and reporting of consumer credit information. 

The inaccurate reporting has negatively impacted my credit score.

Relevant Statutes : Federal : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This act protects consumers from inaccurate information in their credit reports and requires that credit reporting agencies and furnishers of information ( like XXXX XXXX XXXX XXXX ) ensure the accuracy of the information they report. 

State : Texas Finance Code Chapter 348, Motor Vehicle Installment Sales. This chapter governs retail installment transactions for motor vehicles in Texas, which may be relevant to the financing and reporting of the vehicle loan and any related products like the XXXX XXXX XXXX. 

Texas Business and Commerce Code, Chapter 24, Deceptive Trade Practices-Consumer Protection Act. This act provides protections against false, misleading, and deceptive practices, which could be relevant if inaccurate information was reported as a result of such practices.

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 2025-04-30 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: TN

Complaint narrative:
Upon review of my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This situation is causing undue stress and is negatively affecting my financial standing.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX, XXXX I was alerted by XXXX XXXX XXXX that my score had dropped. I looked into my reports at the three agencies Equifax, Experian and Transunion. I filed a dispute with Equifax on XX/XX/XXXX. I also contacted the Bank responsible for issuing a credit card in my name without my consent ( XXXX XXXX XXXX Bank ) and filed a dispute. I also filed a report with the FTC for identity theft. Equifax denied my complaint on XXXX, XXXX without any reason being given. I opened new complaints and sent supporting documentation through the mail which was confirmed as delivered by the USPS tracking on XX/XX/XXXX. I am still waiting for a decision by Equifax. I also filed disputes with Equifax requesting correction for incorrect information on address ( in Kentucky ), incorrect employment information ( XXXX XXXX and XXXX XXXX ), and incorrect hard inquiry ( XXXX XXXX XXXX XXXX ) in my report and today I re-filed the online complaint to Equifax again regarding the identity theft opening of a credit card from XXXX XXXX XXXX  in my name. 

I also contacted Experian online and filed a dispute regarding the XXXX XXXX XXXX  card identity theft ( card is not mine ) and am waiting for a reply. 

I contacted Transunion as well and was told I could only file a dispute through the mail. The dispute documentation was confirmed as received by USPS tracking on XX/XX/XXXX, I have yet to get a reply. 

I called XXXX XXXX XXXX XXXX  again today XX/XX/XXXX and filed another dispute. I have yet to receive even a confirmation email of the dispute filed. The attendant would not let me speak to the fraud department and I did not have any information for me regarding how they can open a card in my name and what information they verified to do so. 

It is incredible difficult to get any information from the credit reporting agencies and the Bank as to what I can do, including what supporting documentation I can provide to prove that none of this information was provided by me ( address, hard inquiry, employment history ) and that I did not apply, take out and receive the XXXX XXXX XXXX XXXX  card, especially since I have never been to Kentucky and have lived in XXXX for the past 20 years. I have excellent credit history and running up a credit card without paying it timely is totally out of character which should have been a red flag for everyone involved! I've NEVER been late on a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
contacted Radius Global Solutions LLC and they tell my to contact XXXX my original creditor but XXXX is saying Radius global solutions is handling my loan but won't tell me enough if any information.

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 2025-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Key 2 Recovery, Inc.
State: PA

Complaint narrative:
i was contacted by the debt collector about my student loan debt. the first interaction went fine, but once i told them i would need documentation validating the amount of the debt, etc, the agent named XXXX XXXX XXXX, became extremely heated and rude. he told me i " could have told him this XXXX weeks ago '' and continued to speak over me and proceeded to yell at me when i asked for documentation. he started reading off my personal information to try to intimidate me and then hung up on me when i did not comply. 

all i asked for was documentation to prove this wasn't a scam and all he could do was tell me " this is not a scam '' as if i should simply take his word for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AL

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Please be advised that I have formally initiated arbitration with the XXXX XXXX XXXX XXXX XXXX ) concerning the ongoing credit reporting and consumer protection violations related to the alleged deficiency account. As part of my initial submission, I included the copy of the Retail Installment Sales Contract ( XXXX ) previously provided by XXXX. However, due to the poor image quality of that version, I have informed the XXXX that I am attempting to obtain a clearer copy for proper recordkeeping and verification purposes. 

Accordingly, I am requesting that UACC provide an unaltered, legible copy of the fully executed XXXX within XXXX ( XXXX ) calendar days. If XXXX fails to comply and XXXX declines to proceed due to a deficient arbitration agreement, such noncooperation will constitute a waiver of your right to compel arbitration, and I will file this action in federal court, where I will also seek sanctions and costs associated with the unnecessary delay and obstruction. Please treat this request as time-sensitive and ensure your legal department is aware of the pending matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a joint account holder on a Bank of America account with my husband, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, more than {$68000.00} was transferred to XXXX and used for online gambling. 
I did not authorize these transactions, nor was I aware the funds were being used this way. 
I never consented to the use of our joint funds for gambling. 
Bank of America told me they can not help and referred me to XXXX. 
I am requesting a full investigation and a refund for the unauthorized transactions under Regulation E and the UIGEA.

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 monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I am writing to formally dispute the furnishing and/or access of my consumer credit report without my knowledge or written authorization, as required under 15 U.S. Code 1681b of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
For several months I was aware of accounts opened in my name without my knowledge or authorization. 
I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc.
State: MN

Complaint narrative:
For several months I was aware of accounts opened in my name without my knowledge or authorization. 
I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief