vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX  XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : Unknown XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Theres an entry that doesnt belong to me and is being reported inaccurately. After reviewing my records, I can say with full confidence that the details listed do not reflect my credit history, and I believe this may be due to an error or a case of mixed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediatelyXXXX 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 explanation
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need. Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed two hard inquires from JPMCB CARD and XXXX XXXX XXXX for XX/XX/year>. I have not applied for credit with these companies nor did I provide consent for them to access my credit file.

This appears to be a violation of the Fair Credit Reporting Act, which requires permissible purpose and consumer authorization for such inquiries.

I am requesting that the inquiries be investigated and removed from my credit report. Please also ensure the companies is held accountable if this inquiry was made in error or without proper authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I set up auto pay in the beginning but it did not go through I was unaware until it is now over due. Tried to call customer service but wait time is over an hour and call will drop within XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-24 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: SC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15
U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are fals
ely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-04-24 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was finally contacted by a live person from XXXX XXXX yesterday. The representative was polite and courteous and seemed helpful but I am in the same position I was in with no access to my money and the account remains inactive. Even with the debit card number given to me I still have no way to transfer my funds that remain inaccessible and when I call the toll free numbers it doesnt recognize my card number, social or DOB still in order to speak to a representative. All they did is offer to send us a new card which I had to pay {$8.00} for them to expedite it to me and still wont be delivered until approximately XX/XX/29 The rep helping me said her supervisor told her thats all they could do to help even when I stayed on the phone with her while I tried to transfer my money to my XXXX XXXX account. I cant believe or understand how they can say, Oh well its all we can do! They should not get off the phone with me until I actually have access to move that money! Im almost 30 days late on my rent plus car insurance coverage lapsed plus utilities! I need a supervisor or some who knows how to actually reactivate my account and make sure I have access to my money immediately. Im still in the same position I was before they called yesterday and need to be contactedd today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Caine & Weiner for FCRA Violation Inaccurate Account Reporting To Whom It May Concern : I am filing a formal complaint against Caine & Weiner, a third-party debt collection agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that all information reported to credit bureaus be complete and accurate. 

Caine & Weiner is reporting a collection account on my credit report that I believe to be inaccurate and/or unverifiable. I submitted a direct dispute to the agency and formally requested validation of the account. However, they have failed to provide adequate verification or documentation and are continuing to report the account to the credit bureaus. 

Details of the Disputed Account : Collection Agency : Caine & Weiner Account Number XXXX Date Reported : XX/XX/XXXX Amount : {$2700.00} Under the FCRA, Caine & Weiner is required not only to report accurate information but also to provide the specific documentation used to verify the debt when a consumer submits a direct dispute. I have not received any such documentation, and the continued reporting of this account is harming my credit profile and financial wellbeing. 

I respectfully request that the CFPB investigate this matter and require Caine & Weiner to : Cease all reporting of this unverified account to credit bureaus, Provide me with a complete copy of all documentation they used to verify and validate the account, and Remove the account entirely from my credit report if they are unable to provide such documentation. 

Attached to this complaint are : A copy of the dispute letter I sent to Caine & Weiner, A copy of my credit report showing the disputed account, and Any additional correspondence received from the agency. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Good day, Im writing out of deep frustration and mental exhaustion. I recently discovered a debt on my credit report that Ive never seen beforecompletely unverified and absolutely not mine. Since then, Ive been bombarded with aggressive and relentless attempts to contact me through various channels. Its overwhelming, and frankly, infuriating. I never consented to this, and the threats of legal action have left me anxious and sleep-deprived. As someone who follows the law and takes their financial responsibilities seriously, this experience feels like a direct violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state. 

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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