vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XX/XX/year>.

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 2025-05-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX XXXX XXXX ) for deceptive and misleading reporting.

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 2025-05-27 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-27 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-27 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-05-27 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: TN

Complaint narrative:
Addresses to Be Deleted : XXXX XXXX XXXX XXXX, TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX Address ID # XXXX Social Security Number Variations XXXX Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular

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 2025-05-27 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: TX

Complaint narrative:
I reviewed my credit report and found inaccurate information regarding an account that I believe is being reported incorrectly. 

Specifically, the report shows two late payments for this accountone in XX/XX/XXXX and another in XX/XX/XXXX. However, I made both of these payments on time. This reporting is not only incorrect but also damaging to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the information they provide is accurate and up to date. I have attached a copy of my credit report for reference, highlighting the inaccuracies. 

I respectfully request a thorough investigation into this account and that the payment history be corrected to reflect on-time payments for the months of XX/XX/XXXX and XX/XX/XXXX. Please update my report accordingly and confirm once the changes have been made. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-05-27 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: STATE EMPLOYEES CREDIT UNION
State: TX

Complaint narrative:
I re reporting this issue as nothing was done. I received no communication or response. I recieces no call or any sort of resolution. The company has yet to reach out after numerous attempts made. I have called and was told that a manager/supervisor would reach out and that was over XXXX weeks ago. I am extremely dissatisfied and would like a response and resolution promptly. 

I have been trying to change the name on my title to my current legal name. I have submitted several POAs and name change documents. I have also requested my ex-husband be removed from the title. He has submitted POAs and name change requests. We reached out to the XXXX and they sent us back to the bank. I am now being told that because I did not legally change my name in XXXX XXXX, I remarried in XXXX, that there is nothing they can do and that the XXXX will continue to deny my request to change the name on the title. I was never told this rule never even knew it existed. This phone call took place on XX/XX/year> at XXXX. I have been fighting this battle for XXXX  years. I spoke with XXXX XXXX in XXXX and she was handling all the documents. I called today and she is now claiming she has no idea who I am and what i am talking about. I have been transferred from branch to branch from XXXX to XXXX  and back and forth. No one is taking accountability or even remotely helping me at all. Just keep hitting walls. My vehicle will be paid off next month and there is nothing I can do apparently. This is utterly ridiculous. What can I do and how can someone help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I was a victim of identity theft so to a data breach in the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FlexShopper, Inc
State: CA

Complaint narrative:
I receiving emails from digital wallet and in my understanding I never opened no digital wallet account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
No knowledge of this account, never did business with XXXX XXXX XXXX Never even heard of this company. Remove it from my credit report immediately!!!! I shouldnt have to keep submitting disputes!!!! Experian and EQUIFAX do a horrible job at investigating these companys who report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-27 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: PA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Inquiries XXXXXXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I originally open XXXX account on XXXX with a {$16000.00} limit. I used the card first half of XXXX  and Wells Fargo made a total of {$880.00} in Interest. All payment were made on time although they told me today when I checked it was paid 3 days late. I believe the payment was made on time and they held it so it would post late. In XXXX XX/XX/year> they reduced my credit limit from XXXX down to {$300.00} XXXX account was opened on XXXX, with a credit limit of {$2000.00}. all payment were always paid on time and in early XXXX they also reduced my credit limit at the same time from {$2000.00} down to {$300.00}. 

at the time the reduced the credit limits I had a XXXX balance on both accounts. I asked Customer service was this done due to my zip code and the transferred me to their executive offices and took two weeks and stood by their decisions. 
Reason : Increased balance on your wells fargo credit card. ( my balances were XXXX and {$77.00} )

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 explanation
Consumer complaint received 2025-05-27 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Payday loan 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
Hello I got a call this morning from a law firm I returned the call because in the voicemail it was stating to legal complaints were placed on my name date of birth and social security and that this was going to be sent over to the county clerk in my area tomorrow morning. I return the calm because I had no idea what this was in regards to and was very hesitant of all the scam calls these days. XXXX XXXX is who I spoke with and he explained that a case was filed on me on XX/XX/XXXX or XXXX can remember which date exactly XXXX XXXX in regards to a loan I received from western finance a couple years back I explained to him my situation in the past few years about the abusive situation I was in and loosing everything having to move back to my hometown to start over he went on to tell me more about the case and that the sheriffs was going to show up at the two addresses on file and I asked him about the two legal complaints that were placed upon me which were not complaints as they were more charges one being a malicious act charge and the other being theft said he hadnt sent over to sheriff department as of yet because when people have previous theft charges on there backgrounds it usually goes another route and out of court settlements usually cant happen so he gave me the opportunity to do the out of court settlement being he hadnt sent over to the sheriffs department yet the amount was able to be split in two one payment being made on the XXXX and the other on the XXXX now with all this being said I was scared and freaking out cause I just recently had a baby and I cant go to jail I have XXXX kids with no one to keep them while I sit in a jail cell! This loan was done a couple years ago and I have been trying not to drown in the world we live in right now with prices as high as they are my rent going up! XXXX XXXX did send over documents to sign upping this two payment agreement which I did sign but my mom reached out having me get ahold of you and a few other agencys because of the threat tactics and being told about sheriffs showing up at my door tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems has reported a collection account to my XXXX XXXX XXXX XXXX credit files stating that I owe {$150.00}. Transworld Systems has no legal right to attempt to collect a debt. There is no debt owed. Transworld Systems has not validated any alleged debt nor sent me a notice of collection. Transworld Systems placing a derogatory file on my credit reports is a violation of the FCRA. With that said I am in request of ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized with signature the alleged debt that Transworld Systems is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
This morning, I saw some incorrect accounts listed on my credit report, and I have no idea how they got there. I checked my report like I normally do, but this time I noticed unexpected discrepancies. I even refreshed the browser thinking it might be a temporary glitch, but the errors were still there. Because of this, Im requesting a thorough review of the documents Ive submitted so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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