vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$5100.00} XXXX XXXXXXXX BALANCED {$6200.00} XXXX XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$0.00XXXX XXXX XXXX XXXXXXXX BALANCED {$840.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$4100.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$5000.00} XXXX XXXXXXXX BALANCED {$960.00} XXXX XXXX XXXX BALANCED {$770.00} XXXX XXXXXXXX BALANCED {$940.00XXXX XXXX XXXX XXXXXXXX BALANCED {$1700.00} XXXXXXXX XXXX XXXX BALANCED {$770.00} XXXX XXXX BALANCED {$280.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-29 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate, inconsistent, and incomplete reporting of a Syncb/Paypal account across XXXX XXXX XXXX XXXX 

I previously submitted formal written disputes to each credit bureau regarding the following issues : Inconsistent " Worst Delinquency '' Reporting : XXXX  reports " None Reported, '' while XXXX XXXX XXXX report derogatory statuses such as " Bad debt/collection '' and " Charge-off/Other Derog. '' Incomplete Payment History : Across all XXXX  bureaus, the XXXX payment history is missing or incomplete.

Payment Status Language Discrepancies : Each bureau uses different language to describe the payment status, leading to potential confusion.

These inconsistencies and omissions may cause negative impacts on my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. 

Despite my disputes and supporting documentation provided, the bureaus have failed to correct or properly investigate these issues. 

I request that the Consumer Financial Protection Bureau assist in requiring the credit bureaus to : Fully investigate the inconsistencies. 

Correct or remove the inaccurate account information from my credit reports.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to formally dispute fraudulent activity on my credit report as a result of identity theft. I have noticed accounts and transactions on my credit file that were opened without my authorization. I discovered that my personal information had been misused to open fraudulent accounts and/or inaccurate unauthorized debt. I became aware of this issue when I noticed the following unauthorized accounts or transactions : XXXX XXXX XXXX XXXX  I have already reached out to the credit reporting agency, and I requested that the error be corrected, but I have not received a satisfactory resolution. 
I also contacted all involved parties listed below but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I value your help XXXX  REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter XXXX  I am including it once more. I've educated my lawyer regarding my aims XXXX they are eager XXXX consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
Subject : Urgent Alert - Unjustifiable Inclusion of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX * * * * Account Number : XXXX * * * * Amount : {$2000.00} * * * * Date of Account : 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 non-monetary relief
Consumer complaint received 2025-04-29 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: VA

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 account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Using credit without me knowing after Ive been incarcerated since XX/XX/XXXX until XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
HELLO PLEASE ASSIST ME. I SENT OVER TO YOU AND ALSO UPLOADED IDENTITY THEFT DOCUMENTS PROVING THAT I AM A VICTIM. PLEASE SEE MY ATTACHED DOCUMENTS FOR FURTHER SUPPORT AND GUIDANCE, I HAVE REPORTED TO YOU GUYS MULTIPLE FRAUDULENT ACCOUNTS THAT ARE AFFECTING MY LIFE NEGATIVELY. PLEASE HELP ME REMOVE AND BLOCK THESE ACCOUNTS.

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 2025-04-29 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: WI

Complaint narrative:
Upon reviewing my credit report I noticed unauthorized inquiries that need to be removed from my consumer report Equifax dispute Confirmation # 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 2025-04-29 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 am a victim of identity theft, which has resulted in the inclusion of unauthorized and inaccurate information on my credit reports with Equifax, Specifically, my personal identification information, including my Social Security number and other personal data, has been used without my consent. These unauthorized accounts and inquiries have adversely affected my creditworthiness and were reported by the aforementioned agencies without proper verification or my authorization. Despite my prior requests for the removal of this information, Equifax continue to retain and report inaccurate data. I expressly decline the placement of a fraud alert on my file ; rather, I am requesting the immediate deletion of all fraudulent accounts and unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I asked for a letter of XXXX XXXX XXXX and a Chain of Assignment to prove they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I had a voluntary repossession of a vehicle back in XXXX or XXXX with a creditor named XXXX XXXX This debt was charged off and removed from my credit report. Then in early XXXX, a dept collector popped up and garnished my paycheck for this old debt. I never received any notice or validation of debt, no payment history with the original creditor or contract with my signature. I don't know who this collector is and how they were able to get a garnishment against me. The new collection agency is Klima, Peters, and Daly, P.A. XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX. They have me owing a total of XXXX. This has caused me to search for other employment. This garnishment is affecting my income and quality of life. This feels illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
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 account listed without my expressed written 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 2025-04-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally file a complaint regarding several unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I have not applied for credit with the companies listed below. 

The following is a list of the companies and dates associated with these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not applied for or authorized any credit or financial services with these companies. As these inquiries were made without my consent, I believe they XXXX be fraudulent or the result of a clerical error.

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 2025-04-29 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:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally file a complaint regarding several unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I have not applied for credit with the companies listed below. 

The following is a list of the companies and dates associated with these unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 I have not applied for or authorized any credit or financial services with these companies. As these inquiries were made without my consent, I believe they XXXX be fraudulent or the result of a clerical error.

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