vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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:
Credit was opened u and used with out my consent.

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 2025-03-07 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: NC

Complaint narrative:
Credit was opened u and used with out my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My specific issue is with Experian ( other credit bureaus are easy to work with ). Using Experian 's website results in an error message every time I try to log in ( mobile app same result ). The only option to resolve this is a phone number provided on the error page which brings you to an automated system. Experian 's automated system is unable to resolve any issues, never connects to a customer service representative, directs you back to the Experian website, and hangs up. The customer service number on Experian 's website results in the same outcome. I have made XXXX phone calls in XXXX weeks to resolve this with the same result. If I had a choice I would never deal with Experian, but they unfortunately hold my credit in their hands ( literally ). For someone dealing with credit theft like myself, being forced to work with Experian is criminal. Trying to deal with Experian is impossible - what some might call illegal with their role as a major credit bureau. I have never spoken to a person at Experian because there is no way to reach a person. As far as I can tell everyone on the internet has the same issue with Experian. Really unfair that this is the company we are forced to use. Accountability on Experian 's part seems to be missing.

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 2025-03-07 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I opened a bank account with everbank in late XXXX, ive been trying to gain access to the account since XXXX, and ive been calling repeatedly since XXXX. They kept saying they will call back. Today, XX/XX/year>, i called again and they stated the account closed and they issued a check in XXXX and notified me. I had deposited money in XXXX, not knowing the account had been closed, and had a total of XXXXXXXX XXXX deposited into the account. They said they will not reissue a check to me since i never received one, and kept stating they informed me the account was closing in XXXX, never got a call, letter, or email stating it. I only got letters and emails stating i had bank statements available on their website which i wasnt allowed to gain access to due to changing my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
Denied they was reporting and good not provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Denied they was reporting and good not provide the information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Inquiry XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Inquiry XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> a teller transferred {$38000.00} & {$3200.00} and on XX/XX/year> the same teller transferred {$32000.00} without my authorization or knowledge while my account was locked I had no access to my card also the tellers name is XXXX XXXX. This is fraudulent and I have made several reports and police reports and disputed this my money has been missing from my account since the teller did these transactions.

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 2025-03-07 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: WV

Complaint narrative:
The medical collection is currently by XXXX XXXX XXXX. The original provider was XXXX XXXX XXXX. I had no knowledge of this collection until I noticed/reviewed my credit report in XXXX, XXXX. There was no communication or direct discussion with the collector. I have sent a certified letter on XX/XX/XXXX requesting for information of the debt and a request to remove this c

ollection since I have not discussed with them regarding this debt. At this point, I have not received a response from the collector. There is no proof of Debt Assignment. The amount of {$1400.00} is very questionable also. This was a XXXX  XXXX through XXXX & a supplemental health coverage through the State of WV. With 2 health coverages, the amount to me is unfairly high. Please help me with this situation. I am XXXX  and XXXX and would like to have this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
The reason I'm contacting you and others is because Citizens Bank ( citizensbank.com ) has left me no other outlet. Against U.S. Treasury Dept. regulations, Citizens bank opened two business accounts ( XX/XX/XXXX ) under one of my companies and seem to now have no record of my identity or connection to accounts in my business on file. I have made every attempt to gain access to my accounts & my funds to view full transaction history to understand what has transpired. After several call escalations ( XX/XX/XXXX ), a Citizens Business Accounts Supervisor validated my ownership through the XXXX XXXX XXXX  XXXX XXXX XXXX. They directed me to visit a Citizens branch with my ID, to verify identity and gain access to my accounts. I reached out in advance to the nearest branch manager ( XX/XX/XXXX ), scheduled a meeting on his calendar for the following week, and provided details of the situation for courtesy and efficiency. I also offered to provide any and all information necessary to make this as seamless as possible.

The branch manager responded with challenges meeting the request such as, short staff & taking days off. I suggested he hand me off to another local branch. He then sent a cryptic, non-professional response with no valid solutions. To make things worse, after I responded to notify him of my need to speak with someone who can actually solve an issue and fulfill my legal rights, I was ignored. The lack of customer experience, common courtesy or acknowledgement of my rights has placed me in the mindset of seething and provoked.

Citizens created the problem through failed federal regulation compliance protocols at the point of inception, had the opportunity to remedy, and instead chose to double-down these violations by pushing me out the door with one foot on my legal rights. Citizens truly had every opportunity to resolve this and now placing me, my family and my business at more risk. I need full and immediate access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
Company keeps calling and sending texts saying I owe around XXXX because of a XXXX bill but I've never been a XXXX customer. I've lost my wallet years ago and I've also reported other fraud as a result of me loosing my wallet. They don't understand that I did not create that account and do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 2025-03-07 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: NY

Complaint narrative:
They advertise theyll give you {$50.00} if youre not approved by a credit card but thats not the case. You have to jump through hoops and still wont receive the {$50.00} be careful dont ruin your credit because they dont hold up to their end of the bargain!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FactorTrust, Inc.
State: NY

Complaint narrative:
FactorTrust, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute the accuracy of specific information on my consumer report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a thorough investigation into the following accounts to ensure compliance with federal reporting standards and to correct any inaccuracies.

Disputed Accounts 1. Child Support Enforcement ( XXXX, XXXX, XXXX ) Account Number : XXXX Status Reported : Collection/Charge-Off Balance Reported : {$12000.00} Remarks : Account seriously past due, assigned to collections I request verification of this accounts accuracy, including the original debt validation and all relevant supporting documentation. If verification can not be provided, I request that this account be removed from my report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) Account Number : XXXX Status Reported : Foreclosure/Repossession Balance Reported : {$6700.00} High Balance Reported : {$44000.00} This account appears to contain inconsistencies between reporting agencies regarding its status and balance. Additionally, I request a review of whether this account was reported accurately under FCRA requirements. Please provide documentation verifying the legitimacy of this entry or remove it from my report. 

Legal Basis for Dispute The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies maintain accurate and verifiable information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Additionally, under the Supreme Court ruling in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX consumer reporting agencies must ensure that their data is accurate and does not cause harm due to inaccuracies. 

Requested Action Conduct a thorough investigation into these disputed accounts. 
Provide me with verification documents proving their accuracy. 
If verification can not be provided, remove these accounts from my credit report immediately. 
Send me written confirmation of the results of your investigation at the address listed above. 
Please consider this letter as my formal request for an investigation under the FCRA. I expect a response within 30 days, as required by law. 

Thank you for your prompt attention to this matter. Attached my state ID Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation