vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX, {$880.00} XXXX XX/XX/XXXX, {$1600.00} XXXX XX/XX/XXXX {$650.00} XXXX XXXXXXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX  XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00}

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 2025-05-12 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX, {$880.00} XXXX XX/XX/XXXX, {$1600.00} XXXX XX/XX/XXXX {$650.00} XXXX XXXXXXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX  XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
Today, XX/XX/year>, a company called me and left me a voicemail stating that they were calling on behalf of XXXX XXXX XXXX XXXX XXXX. They said that I needed to call them back or have a lawyer call back on my behalf. This was a medical center that I visited last year, for emergency XXXX XXXX. I am currently on a payment plan with them and have never missed a payment. 

I immediately called the hospital directly and they stated that there was no outstanding balance, and it was not them calling. They told me nothing had been turned over to collections. 

I then called the company back and asked what they were calling about. They told me they were calling about a debt from that hospital, in the amount of {$250.00}. I told them I did not have any outstanding debts and had not received any notices in regard to this. She assured me that many statements had been sent, and she did not know what I had not seen them. She said she would email me a statement. I let her know that I would look at that and compare to my insurance to see if there was something I was missing. She then proceeded to threaten me and told me that this was being turned over to a lawyer for legal action if I did not pay it immediately. I told her I was not going to pay this today and they could go ahead and turn it over. She then threatened me by saying that they were turning it over and police would be at my door shortly. She was being loud and yelling at me. I hung up. 

She then called me back and whispered " you're a real estate agent '' to further threaten me, as if she was looking into my background.

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 2025-05-12 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing a XXXX XXXX XXXX account ( account # XXXX ) that is being reported as charged off with {$3000.00} written off, yet still showing an active balance of {$1500.00} and {$560.00} past due. Additionally, the account has been closed since XXXX, but continues to reflect new charge-offs through early XXXX, which is misleading and inaccurate. This violates the Fair Credit Reporting Acts requirements for accurate and updated reporting. I request immediate deletion of this account or full documentation validating this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-12 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: EdFinancial Services
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that an account reported under my name with EDFINANCIAL Services is fraudulent. I have never applied for or authorized the creation of any such account, nor have I conducted any business with your organization.

This situation began after I was contacted by an individual under suspicious circumstances. I was instructed to receive mail addressed to someone named XXXX XXXX at my home and to take pictures of the mail. I was later asked to forward that mail to another address. Not long after, I noticed a negative entry of - {$34.00} on my credit report, connected to XXXX, for an account I never opened. 

I believe I am a victim of identity theft. This incident has caused undue harm to my credit standing and emotional distress. Attached to this letter are copies of my FTC Identity Theft Report and supporting documentation, including photographs and communications related to the mail I received. 

I respectfully request the following actions be taken immediately : Investigate and permanently close the fraudulent account. 
Remove any and all references to this account from my credit report with all three credit bureaus. 
Confirm in writing that the account has been removed and that I am not responsible for any activity associated with it. 
Please consider this letter a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you need additional documentation or have further questions, I can be reached at the contact information listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXXXXXX

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I started paying my card off in full each month ( starting in XXXX ) and noticed that I was being charged interest still. I called Customer Service, who quickly opened a case to refund the interest charges on the XX/XX/year>, XX/XX/year>, and XX/XX/year> statements. 

I looked back, and saw that the total balances subject to interest charges added up to more than my statements, going back many more months. I called back in and requested that this be reviewed to ensure I was not overcharged interest, but based on the response from the agent, she was reluctant to do so. 

I explained that the first agent who helped with the 3 months opened a case for back office to review and correct, but was told by the second agent that this was not done, and that she just waived the fees instead of correcting the root of the issue.

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 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I am submitting this complaint regarding an alleged debt ( Account XXXX XXXXXXXX ) that does not belong to me. I informed the collection company, managed by XXXX XXXX XXXX, that I was a victim of identity theft. Despite my repeated attempts to resolve the issue, I recently received a default notice and was shocked to find that they sent multiple third-party agents to repossess the alleged motorcycle an act done without a court order, contract, or valid lien. 

I conducted a certified UCC-11 search through the XXXX  and XXXX  XXXX XXXX XXXX, which confirms that there are no valid liens or debts under my name. The Social Security XXXX they used to open the alleged account is incorrect, not active ( verified by the SS XXXX ) and not connected to me which they have a redacted copy of, thus confirming that this debt does not belong me. 

Their actions include : Harassment Reporting false information to credit agencies Failing to investigate identity theft Refusing to validate the debt Refusing to cease collection on a fraudulent account I am requesting that the CFPB investigate this matter and ensure the company removes the false debt, remove my information from their systems with provided proof, stop all collection activity, and stop harassing me. Complaint has also been filed to the XXXX  XXXX Attorney. XXXX XXXX XXXX XXXX are in clear violation of the following XXXX and XXXX laws as follows : XXXX. Violation of Federal laws : 15 U.S.C. 1692 e ( 2 ) ( A ), e ( 8 ), f ( 6 ), c ( c ) / 15 U.S.C. 1681 s-2 ( a ), s-2 ( b ), g / 18 U.S.C 1028A / 15 U.S.C 1601 / 18 U.S.C. 241 & 242 2. Federal Securities Law : 15 U.S.C. 78j 3. Uniform Commercial Code Article 9 : UCC 9-609, UCC 9-513 , UCC 9-502 & 503 4. Civil and Criminal Trespass 5. Defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) XXXXXXXX XXXX XXXX open balance of XXXX XXXX XXXX  open XXXXXXXX XXXX XXXX open XXXX balance of XXXXXXXX XXXX XXXX open XXXX balance of XXXX XXXX XXXXXXXX open XXXX a balance of XXXX XXXX XXXX balance of XXXX open XXXX XXXX XXXX XXXX balance of XXXX open XXXX XXXXXXXX XXXX balance XXXX open XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2025-05-12 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: AZ

Complaint narrative:
I'm an identity fraud victim and I would like for you to help me remove fraudulent addresses that are appearing on my credit profile. Please see attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
A while back, I was contacted by phone by someone saying that I owed money for an apartment lease agreement. Assuming it was a scam, I hung up and blocked the number. They had my phone number and first and last name. Their accusation was 100 % false and had nothing to do with me. Now, years later I run a credit report and see that I have a derogatory mark due to collections. What a total sham. My credit and track record is impeccable.

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 2025-05-12 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: MD

Complaint narrative:
I recently discovered that my personal information was exposed in a national data breach. Upon reviewing my credit reports, I found accounts I do not recognize. I requested debt validation from the CRAs, but have not received a response. As a result, I filed an FTC complaint regarding the unfamiliar accounts.

Attached are copies of my ID, the FTC complaint, the XXXX report confirming the data breach, and my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

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 2025-05-12 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-05-12 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: FL

Complaint narrative:
received letter from XXXX XXXX XXXX XXXXXXXX XXXX stating " we didn't open the account you requested '' ... we weren't able to verify your identity. 

I contacted them and they could not give my information on how an application was made. i verified on experian that a soft inquiry was made XX/XX/year> and chase could not give me any information on that either. 

I have not applied for anything from chase or any other companies this year which means a fraudulent identity theft attempt was made. Also, in their system they did see my information listed, but the phone number did not match my phone number. the one in their system was XXXX there was no way for chase to document this internally or flag in their system as 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 explanation
Consumer complaint received 2025-05-12 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: NC

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief