vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-25 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:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act Section 609 requires TRANSUNION produce physical verifiable proof of the negative events listed and asterisked below. TRANSUNION is held accountable for the negative information put on [ XXXX XXXX XXXX ] credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act Section 609 requires TRANSUNION produce physical verifiable proof of the negative events listed and asterisked below. TRANSUNION is held accountable for the negative information put on [ XXXX XXXX XXXX ] 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 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9400.00} Open Date XX/XX/XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$770.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$510.00} Open Date XX/XX/XXXX XXXX Balance {$440.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$420.00} Open Date XX/XX/XXXX XXXX Balance {$250.00} Open Date XX/XX/XXXX Inquiries XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX 2XXXX

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 2025-04-25 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: TX

Complaint narrative:
An original complaint was submitted to CFPB for Kikoff to show account w

as paid off. Company responded but still has not removed info on credit report resulting in negative affects on credit report. Reasonable time has been given and company still has not updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-25 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 HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX 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. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MI

Complaint narrative:
XXXX XX/XX/year> {$500.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My daughter XXXX XXXX is an authorized user on my Goldman Sachs credit card Her card and license were stolen st the airport on XX/XX/XXXX We were out of the country and unaware that MULTIPLE unauthorized were made using her stolen credit card and license Goldman Sachs has supposedly investigated my disputes regarding the unauthorized charges and they will award a charge made on XX/XX/XXXX in my favor and a charge made on XX/XX/XXXX in my favor but they are stupidly holding me liable for charges made in between those transactions such as a charge on XX/XX/XXXX or XX/XX/XXXX Goldman Sachs is violating the FCRA by reporting unauthorized charges on my card history In addition they are violating the FCBA by holding me liable for fraudulent charges I refiled disputes and advised that I would send in plane tickets and cruise tickets confirming both of us were out of the country the day these charges were made and Goldman Sachs denies my disputed the same day they are filed without properly investigating or waiting to receive additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp.
State: FL

Complaint narrative:
Upon receiving a letter from the credit collection agency, I immediately called to discuss the alleged debt because I knew right away this was not something I had done. I do not bank with XXXX XXXX, and I have never been to a check cashing store.

I followed up with a letter, which I also sent via email. In addition, I had a recorded conversation with the director, XXXX XXXX, during which he assured me that this would not appear on my credit report. There was a clear mismatchnot only with my Social Security number but also with my drivers license number, which the check cashing store had provided to themfurther proving that this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
First time Im disputing this I was going over my credit report and I seen that its on my credit report and I never opened this account. I have file disputes because I was a victim of identity theft and once I start fixing my credit this one popped up once I sent them mylicense and social and fix my address on my credit report other companies started popping up on my credit report and this is one of them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the immediate removal of a bankruptcy entry from my credit report under 15 USC $ 1681c. 
The bankruptcy in question is [ reference # XXXX ]. Please be advised that bankruptcy courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
Recently my home owners jumped drastically again. I got a new insurance company that dropped from {$5300.00} to {$1600.00} I contacted fifth third bank to do a re analysis. They said it will.take 14 days to reflect and I would receive a call when done by multiple employees. I never received a call back. I called yesterday to see if it was done yet they said it was the new amount is now {$3400.00} but that won't take effect until may now. I told them that was unacceptable I was informed by mutual staff members that wasn't the case and they wanted {$4000.00} or they will report it to my credit. They are claiming they sent a imaginary letter out that I obviously never received. I sent back the escrow money and that insurance company hasn't been my insurance all month. I shouldn't have to pay for things that I'm not paying for and gave them all there escrow money back. I was told by multiple employees something different now there playing games and said they refused to take my payment of the proper amount and would just report it on my credit. They were sorry that multiple employees gave me misinformation. Apologies dosent fix the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against Early Warning Services , LLC for reporting inaccurate, unverifiable, and non-compliant banking information furnished by XXXXXXXX XXXX and XXXX XXXX XXXX XXXX. Despite invoking my rights under the Fair Credit Reporting Act ( FCRA ), FACTA, and Metro 2 compliance standards, Early Warning has failed to provide documentation substantiating the derogatory records. These include abrupt status changes, inconsistent and excessive Overdrawn designations, and improper classifications such as XXXX and XXXX that are not supported by any account-level evidence or consumer notifications. 

I have requested full validation of these entriesincluding documented overdraft justifications, Regulation E compliance, and Metro 2 audit integritybut have received no response. These unresolved and unverifiable accounts are damaging to my consumer report and financial standing. I request that the CFPB take immediate action to investigate Early Warnings failure to uphold federal reporting standards and enforce corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called the bank to argue with TWO representatives telling me the {$35.00} overdraft fee was a valid fee. It absolutely is not! According to the second representative, I deposited money into the ATM at XXXX and XXXXXXXX XXXX and my account was positive {$.00} around XXXXXXXX XXXX XXXXhe pending {$12.00} recurring payment had hit my account as pending and so according to Wells Fargo XXXX account was not positive. I received XXXX emails or notifications of the second fee until the morning of XX/XX/year> or I would have added more money via ATM to avoid any overdraft fees. 

The representative said my refund of overdraft fees was denied 1. Because I have had one waived in the last 12 months and 2. Because of the {$12.00} that hit AFTER my deposit to rectify my balance. 

At XXXX XXXX on Wednesday XX/XX/year> I received a phone call from a Wells Fargo supervisor stating the representative I talked to on my lunch escalated my complaint and so to give him 10 business days to refund the {$35.00} overdraft fees. I confirmed with the supervisor this fee will be refunded and he said yes. I let him know if I dont get a resolution in 10 days, I will file a complaint. I received an another call from another Wells representative today, Friday XX/XX/year>, letting me know he has my case and will send me a resolution letter when he is done with his investigation and where I would like it sent to. He stated at this time I might not get my overdraft fee returned. I asked him the time frame of the resolution and he said another 10 business days. Now that I have no definitive answer of MY money being returned to me, I let the representative know to proceed with his investigation and I will continue with my complaint at the same time. This overdraft fee is invalid and wrongfully applied. My account was positive with more than enough money late afternoon on Wednesday 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 monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 non-monetary relief
Consumer complaint received 2025-04-25 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: CT

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX and XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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