vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are reporting FRAUDULENT ADDRESSES on my credit report. The addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.

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 2025-03-09 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: NV

Complaint narrative:
I recently reviewed my credit report, and discovered a unauthorized account that do not belong to me. This fraudulent account have severely tarnished my financial reputation and have caused significant distress, especially as I am currently in the process of purchasing a home. I am requesting immediate assistance in removing this unauthorized 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 non-monetary relief
Consumer complaint received 2025-03-09 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:
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] XXXXXXXX XXXX XXXXXXXX [ XXXX ] XX/XX/year> [ XXXX XXXX. ] [ Credit bureau dispute. ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Billing Error - XXXX Dear TransUnion. ], I am writing to formally dispute a billing error on my account, [ XXXX ], in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

On my most recent statement, I believe there is a billing error regarding the amount of $ [ XXXX ]. Specifically, I believe that the charge reflects an extension of credit that was not made, or the amount charged is incorrect. I respectfully request that you investigate this matter and provide me with the necessary documentation to support the charge ( s ) on my account. 

As per the Fair Credit Billing Act, I am providing the following details for your reference : [ XXXX, XXXX ]. 

The reason I believe this is a billing error : payment was never late. 
I would appreciate it if you could correct this error within 30 days of receiving this notice, as required by law. I also request that you provide me with written acknowledgment of your receipt of this dispute and the steps being taken to resolve it. 

Please ensure that any future actions to collect the disputed amount, or any part thereof, are suspended until the matter is resolved. In addition, I request that you provide me with any supporting documentation or clarification that explains why this charge has been applied to my account. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
Equifax and XXXX has reported XXXX Bank on my credit report as a charge off with the amount of {$760.00} from XXXX that is not mine. This account does not belong to me and I have never had a XXXX Credit Card nor have I done business with them I have tried disputing to Equifax and XXXX but they have not removed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
XXXX and Transunion has reported XXXXXXXX XXXX on my credit report as a charge off with the amount of {$760.00} from XXXX that is not mine. This account does not belong to me and I have never had a XXXX Credit Card nor have I done business with them I have tried disputing to XXXX and Transunion but they have not removed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CT

Complaint narrative:
Transunion is a massive multibillion dollar company without competitors and within a business setting that has no competitors. To justify these massive profits that company needs to address the needs of tens of millions of customers and at least in my case the massive destruction done to my credit has not been addressed.

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 2025-03-09 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and 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 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 non-monetary relief
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: HI

Complaint narrative:
XXXX XXXX, XXXX, XXXX HST, I contact XXXX and spoke to XXXX , who transferred me to XXXX. XXXX at XXXX told me that on XX/XX/XXXX that my account was sold to Crown Asset Management, XXXXXXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, I contacted XXXXXXXX XXXX XXXXXXXX at XXXX, and spoke with XXXX. XXXX, a supervisor, explained to me that my account was " on hold '' for verification of the amount actually owed. Because of this, she was not able to assist me with negotiating a payoff or a payment plan. 

This is not my first time contacting either this company or XXXX to try to negotiate a payment arrangement. I have been trying to accomplish this for a year. I took out this loan in XXXX and made regular payments on this account for two years. After two years, I found what I thought was a discrepancy between my total payments and the balance due. The balance never seemed to go down. Between XXXX to present, I have been in regular contact with XXXX or this company and waiting for information from them concerning my balance and a payment. None of this information was forthcoming. When I spoke most recently with XXXX, I believed we were finally on track. I was stunned when on XX/XX/XXXX, I was served with a complaint, listing XXXX XXXX as a plaintiff and me as defendant, owning more than {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am filling a complaint against Equifax for failing to properly investigate my dispute 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 through investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C which mandates a reasonable investigation 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. 



These are the accounts thats reporting. 
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 non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my dispute 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 through investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C which mandates a reasonable investigation 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. 



These are the accounts thats reporting. 
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 2025-03-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've complained several times about these unverified companies erroneously reporting my my credit report. Please remove them all immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I was checking my credit and I notice some inquires I didn't recognize. They are as followed, Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: IN

Complaint narrative:
I XXXX my vehicle that had a loan opened through XXXX XXXX XXXXXXXX XXXX. I received a letter in the mail from a XXXX asking me to call her. I got in contact with her and I agreed to continue making payments on my vehicle until it was paid off. We can up with a payment plan that would have the loan paid off by the end of the year. She also asked me if I wanted them to place my vehicle with a company they use to auction off vehicles, and I said yes. My vehicle sold and they deducted that amount from what I owed on the loan. I have an account with Experian so I stay up to date on my credit report. XXXX XXXX XXXXXXXX reported that I did not pay off my loan and reported that my vehicle was a charge off, these reports negatively impacted my credit score, and it reduced my credit score. I went in to the bank and spoke with them, the individual I spoke to assured me that my account had not yet been updated, and after it was updated and showed that I paid off the vehicle in full, those negative reports would be removed, and the accurate report would show up, however, that was not the case. They never did report anything positive on my vehicle loan, even though I kept my agreement and paid off my vehicle before the end of the year. This dropped my credit score and it caused me to get a really high interest rate on the next vehicle I purchased, 12 %. I would like the information to be removed from my credit report. I paid the loan in full, and my credit report should reflect so. Thanks for your help.

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 2025-03-09 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: IN

Complaint narrative:
I XXXX  my vehicle that had a loan opened through XXXX XXXX XXXXXXXX XXXX. I received a letter in the mail from a XXXX asking me to call her. I got in contact with her and I agreed to continue making payments on my vehicle until it was paid off. We can up with a payment plan that would have the loan paid off by the end of the year. She also asked me if I wanted them to place my vehicle with a company they use to auction off vehicles, and I said yes. My vehicle sold and they deducted that amount from what I owed on the loan. I have an account with XXXX so I stay up to date on my credit report. XXXX XXXX XXXXXXXX reported that I did not pay off my loan and reported that my vehicle was a charge off, these reports negatively impacted my credit score, and it reduced my credit score. I went in to the bank and spoke with them, the individual I spoke to assured me that my account had not yet been updated, and after it was updated and showed that I paid off the vehicle in full, those negative reports would be removed, and the accurate report would show up, however, that was not the case. They never did report anything positive on my vehicle loan, even though I kept my agreement and paid off my vehicle before the end of the year. This dropped my credit score and it caused me to get a really high interest rate on the next vehicle I purchased, 12 %. I would like the information to be removed from my credit report. I paid the loan in full, and my credit report should reflect so. Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
Multiple inquiries fraudulently  used without my 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 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX has placed a collection on my credit report XXXX in the amount of {$120.00} through a collection agency called South west credit systems. This debt is not mine, I have never had XXXX before and this needs to be removed immediately. I have tried disputing through XXXX and through the collection agency, but they have failed to remove the collection from my credit. So, I am submitting this complaint to get some results and a deletion of this false collection on my credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I wrote the company about the improper information being reported on my consumer report. The company has violated my consumer right by furnishing inaccurate information furnished by another company. 15 USC 1681 B2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are reporting FRAUDULENT ADDRESSES on my credit report. The addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief