vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 tried to create an account, but it states I have another

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CAINE WEINER regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CAINE WEINER  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CAINE WEINER but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
My credit was pulled at several car dealership without my knowledge the dealership never gave a written copy of any of the loan processor/financial source who would receive my information, I was never shown any vehicle of interest they would not allow me to proceed without them running my credit. I started receiving mail from all over the place from finance companies that I did not even know, had my social security number I don't know who hands my personal information was place in I contacted Experian and disputed this is fraud they did not care they left all these inquires on my credit report I never authorize these inquires. Inquires : 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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYSTEM regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFERSON CAPITAL SYSTEM but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally has negatively impacted my credit with reporting on my credit that I owe them for a car that I voluntarily gave back. 
My other had a major XXXX in XXXX. I lived in XXXX and she lived in XXXX XXXX! XXXX her only child, I dropped everything to support my mother. She is currently XXXX XXXX XXXX, she is XXXX XXXX  as well! I list my job at XXXX due to me having to relocate. It's been a XXXX XXXX! My credit took a hard hit and it's not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-05-22 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: IN

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Apple Financing LLC
State: CA

Complaint narrative:
Apple keep charging me for scripts that I have already canceled reoccurring subscriptions that are not authorized for XXXX XXXX in XXXX XXXX XXXX. I've already paid for it that never worked and they charge me again for the same type of script unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX * * * * Balance : {$910.00} XXXX XXXX * * * * Balance : {$33000.00} SEZZLE XXXX * * * * Balance : {$76.00} XXXX XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * Balance : {$730.00} NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX * * Balance : {$5600.00} XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate and unauthorized information that appears on my credit report. I recently obtained a copy of my credit report from your bureau and found the following discrepancies XXXX This account is not familiar to me and I did not authorize its opening or any activity associated with it. 

Please provide documentation showing my signed authorization. If no such authorization exists, I demand the removal of this inquiry and correction of my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or has been fraudulently added. I am requesting that these items be investigated and removed or corrected as appropriate.Please investigate these matters and delete or correct the disputed information as soon as possible. 

According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter. 
Please provide me with written confirmation of your findings and the results of your investigation. If the disputed information is removed or updated, please send me an updated copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate and unauthorized information that appears on my credit report. I recently obtained a copy of my credit report from your bureau and found the following discrepancies XXXX This account is not familiar to me and I did not authorize its opening or any activity associated with it. 

Please provide documentation showing my signed authorization. If no such authorization exists, I demand the removal of this inquiry and correction of my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or has been fraudulently added. I am requesting that these items be investigated and removed or corrected as appropriate.Please investigate these matters and delete or correct the disputed information as soon as possible. 

According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter. 
Please provide me with written confirmation of your findings and the results of your investigation. If the disputed information is removed or updated, please send me an updated copy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate and unauthorized information that appears on my credit report. I recently obtained a copy of my credit report from your bureau and found the following discrepancies XXXX This account is not familiar to me and I did not authorize its opening or any activity associated with it. 

Please provide documentation showing my signed authorization. If no such authorization exists, I demand the removal of this inquiry and correction of my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or has been fraudulently added. I am requesting that these items be investigated and removed or corrected as appropriate.Please investigate these matters and delete or correct the disputed information as soon as possible. 

According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter. 
Please provide me with written confirmation of your findings and the results of your investigation. If the disputed information is removed or updated, please send me an updated copy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On the date of XX/XX/year> a used car dealership XXXX pulled my credit report and thereby had a car financed through GM financial at 19.2 % interest. This interest rate is well in excess to what is allowed by state and federal law., 12 USC 85

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
As far as the bill passed in XXXX for all medical bill be delete from your credit report, XXXX XXXX XXXX is still reporting on my credit report ( TransUnion, Experian ) for XXXX from XXXX XXXX XXXX. Im demanding it be remove or delete.

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 2025-05-22 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:
On XX/XX/year>, I filed a dispute with the credit bureaus regarding this account. 
I requested full verification under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ). 
No documentation or proof of legal authority was provided within the required 30-day period. 
This account is still reporting inaccurately and negatively impacting my credit.

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 2025-05-22 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX, XXXX has XXXX medical accounts on my credit report for XXXX  and XXXX. I have done a few disputes through the credit reporting agencies and these accounts still have not been removed from my report. 
Current remarks on accounts state : Placed for collection Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees These are medical debts and due to the new rule titled " Prohibition on Creditors and Consumer reporting Agencies Concerning Medical Information '' these should no longer show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX, I signed up for a credit card processing service under the email XXXX. After a few months, I closed that business and I thought I canceled the service. I didn't notice their charge on my chase statement so I assumed the cancellation worked. 

However, I recently discovered Ive been charged every month since then under the billing descriptor " XXXX XXXX XXXX XXXX '' with CCD ID : XXXX. 

I initially misunderstood these charges, thinking they were ATM-related due to the vague descriptor. However, when the charge increased to {$230.00} per month in XXXX and XXXX, I realized it was not what I thought. I contacted Chase Bank and filed a dispute on XX/XX/XXXX, and submitted supporting documentation. Chase later responded that the transaction was authorized, but they refused to provide the merchants name, or account records. They only gave me an XXXX number to call and the person who answered the phone said he worked for many companies and that I needed to know my account information to get any further information. 

The email I originally used ( XXXX ) is no longer active ( for 10 years already ). The domain is now defunct, and emails to that address bounce so I can't go looking through my old emails to find their name and contact info. 

I have no way to reach the merchant, stop the billing at the source, or request a refund. I never consented to the ongoing charges under the new name or rate, and I was never notified due to the inactive email ( if they sent an email it most certainly bounced ). I believe the merchant continued billing without valid consent or adequate communication. 

Chase will only give me statements dating back to XXXX - I would like them dating back to the beginning of XXXX so I can see exactly how much they've been charging me since then, but for now I can tell you the following : I've been charged somewhere between $ XXXX ( XXXX ) and $ XXXX ( XXXX ) since I signed up in XXXX. I got the bank to stop payment temporarily for any transaction in the amount of {$230.00} which is only a temporary fix. 
The chase bank representative told me the only thing I can do is to close my bank account. But they still won't give me the name and proper contact info for the merchant! 

I request a full investigation, the release of merchant details, and a refund of these unauthorized or improperly disclosed charges which add up to more than {$14000.00} after all these years.

Company response to consumer: Closed with explanation