vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a XXXX  of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-02-20 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a XXXX  of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-02-20 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: Continental Finance Company, LLC
State: MO

Complaint narrative:
I checked my credit report and saw an unauthorized credit card in my name was opened with Continental Finance.

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 2025-02-20 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-20 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-20 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXXXX/XX/XXXXAccount Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XX/XX/XXXXAccount Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} CollectionXX/XX/XXXX ( OriginalCreditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : XX/XX/XXXXL XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXXXX/XX/XXXXAccount Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XX/XX/XXXXAccount Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} CollectionXX/XX/XXXX ( OriginalCreditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : XX/XX/XXXXL XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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 was a victim of fruad and identity theft. I contacted companies and credit bureau to have the information removed but was unable to do so

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 2025-02-20 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I was a victim of fruad and identity theft. I contacted companies and credit bureau to have the information removed but was unable to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
First, the debt ( XXXX Credit card ) was written off and they still report that I owe them. Which I know is illegal since they wrote the debt off. Secondly, they did not provide me with a copy of the 1099-C for my taxes. 

and third ... my account limit is $ XXXX ... why do i owe them over $ XXXX? They never reported to me, why my account suddenly had a huge increase. I have disputed this event, but all the creditor said was the debt was accurate. No explanation as to why.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove Public Record Bankruptcy filed on XX/XX/year>. It has been XXXX ( XXXX ) years please remove this item from my credit report reported only through Equifax. 

Please remove charge-off from XXXX XXXX due to identity theft and data breach reported only through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: DISCOVER BANK
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Discover, has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A sections 2 : it also reports a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
The company, XXXXXXXX XXXX XXXXXXXX XXXX, claims that I and my dad are joint account holders on my mom 's credit card account. My mom passed away last year, XX/XX/XXXX2024, and since then we have obtained a court order of Year 's Support, signed by a probate court judge, declaring that my late mom 's estate is empty. This order was filed XX/XX/XXXX2024. XXXXXXXX XXXX claims that my dad and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my dad has ever signed a joint account holder agreement, but it is XXXXXXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, my dad did get XXXX representative to describe the signature purported to belong to me. What she described has no correlation whatsoever to my handwriting style. It is my opinion that if such a document even exists, it was my late mom who signed both our names to the joint account document without our knowledge. At XXXX point, another representative said he would file a fraud claim on our behalf for signature identity theft. This claim was dated on XXXX XXXX, 2025 and was subsequently denied by XXXXXXXX XXXX XXXX  fraud department. The disputed amount is appearing on both my and my dad 's credit report scores, and it is preventing me from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.

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 2025-02-20 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: GA

Complaint narrative:
The company, XXXXXXXX XXXX XXXXXXXX XXXX, claims that I and my dad are joint account holders on my mom 's credit card account. My mom passed away last year, XX/XX/XXXX2024, and since then we have obtained a court order of Year 's Support, signed by a probate court judge, declaring that my late mom 's estate is empty. This order was filed XX/XX/XXXX2024. XXXXXXXX XXXX claims that my dad and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my dad has ever signed a joint account holder agreement, but it is XXXX XXXX XXXX contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, my dad did get XXXX representative to describe the signature purported to belong to me. What she described has no correlation whatsoever to my handwriting style. It is my opinion that if such a document even exists, it was my late mom who signed both our names to the joint account document without our knowledge. At XXXX point, another representative said he would file a fraud claim on our behalf for signature identity theft. This claim was dated on XX/XX/XXXX 2025 and was subsequently denied by XXXXXXXX XXXX XXXX fraud department. The disputed amount is appearing on both my and my dad 's credit report scores, and it is preventing me from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Ohio on XX/XX/XXXX. I live in Illinois. The truck was financed through Huntington Bank on XX/XX/XXXX. I am XXXXXXXX XXXX XXXX XXXX  I was not informed either by XXXX XXXX or Huntington Bank that I would be responsible for getting the title transferred to the State of Illinois. After 6 weeks I received a form from Huntington Bank that they instructed me to take to the Ill Secretary of State so that Huntington could obtain the information from the Il. Sec of State to transfer the title. I attempted to contact the Ill Sec of State in person at their office but I could not get the form submitted to the Il Sec of State. 

I then decided to pay off the loan assuming that I would then receive title to the truck and could then get it licensed in Illinois. I paid off the truck on XXXX XXXX through an Electronic Funds Transfer on that date. Huntington has acknowledged receipt of the final payment on XX/XX/XXXX but has not yet issued a payoff letter which is necessary in order for me to get license plates. When I asked when I could expect the pay off letter they told me they could not give me a date. I need to get my vehicle licensed in the State of Illinois. I appreciate any assistance you can offer that would compel Huntington to provide the pay-off letter in a timely manner. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Loan XXXX Huntington National Bank amount Financed {$16000.00} Paid off XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C XXXX Section 604 XXXX Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-02-20 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.

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 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