vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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:
Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year> followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>. Registered number XXXX, Registered number. XXXX, Registered number XXXX 1099-A form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( XXXX  ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at US Secretary of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, Washington DC 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 2025-03-10 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:
Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year> followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>. Registered number XXXX, Registered number. XXXX, Registered number XXXX 1099-A form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( XXXX  ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at US Secretary of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, Washington DC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year>2025 followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>2025. Registered number XXXX, Registered number. XXXX, Registered number XXXX 1099-A form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( XXXX  ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at XXXX XXXX of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, Washington DC 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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An unauthorized person used my debit card number to deposit money in my checking and savings card accounts and then withdraw far more than they deposited. They also purchased gift cards and forged checks. The forged checks spelled my name wrong. 
All of this happened XX/XX/year>. 
I have been arguing with the bank every XXXX to XXXX business days since then. 
They accuse me of using my debit card myself or letting someone else use it. This is absolutely false

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 2025-03-10 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-10 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: FL

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 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 2025-03-10 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:
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 2025-03-10 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: KS

Complaint narrative:
I received a phone text message from XXXX. The text stated " Dear XXXXX '', to avoid non compliance and escalation please call XXXX. '' I called this number, and they identified them self as XXXX XXXX XXXX and i was told that on XX/XX/XXXX I took out a {$500.00} loan under my name. XXXX XXXX provided the last XXXX digits of my correct social security number and correct address. Initially I thought It was fraud/scam. I called back on Monday, XX/XX/XXXX, and spoke with XXXX XXXX, Employee number XXXX. She reinforced a loan was taken out at XXXX XXXX on XX/XX/XXXX. The person applying for the loan said their employer was " XXXX XXXX. '' She told me the XXXX address of the person who took out the loan was XXXX. She stated the money was deposited into a XXXXXXXX XXXX account and the routing number was XXXX. XXXX stated the person who took out the loan had a Texas ID XXXX. 
I then called XXXX XXXX at phone number XXXX. I spoke with XXXX, who would not provide a last name or employee number. I recorded these conversations. XXXX confirmed what was provided by XXXX about the loan, but would not elaborate on the address of the person who took out the debt, and she would not confirm the TX ID used. XXXX said if I didn't pay the settlement of {$180.00} dollars, I would have to get a lawyer and defend it in court. This is to notify I have never taken any loan out like this. This is fraudulent and an unknown person has stolen my identity to get a loan from XXXX XXXX. I have the XXXX XXXXXXXX account number upon request. I am filing a police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-10 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  REPORTING THAT MY ACCOUNT IS OPEN WHEN IT IS CLOSED ALSO REPORTING XXXX UNDER PARTIAL PAYMENT AGREEMENT WHEN ACTUALLY ITS UNDER CREDIT PROTECTION I HAVE DISPUTED THIS INFORMATION OVER AND OVER AGAIN AND XXXX STILL INSISTS THAT ITS VERIFIED WHEN I HAVE CALLED MYSELF AND WAS TOLD IT IS IN FACT CLOSED IF XXXX NOT MISTAKEN BECAUSE THE INFORMATION IS INACCURATE IT HAS TO BE REMOVED FROM MY REPORT. 

MACYS/ CBNA REPORTING CHARGE OFF IN XX/XX/XXXX WHEN I ACTUALLY PAID THEM OFF IN A SETTLEMENT AGREEMENT XX/XX/XXXX AND {$450.00} WAS WRITTEN OFF AS PART OF THE SETTLEMENTAGREEMENT THE ACCOUNT WAS NEVER CHARGED OFF ALSO THEY AR REPORTING WRONG ADDRESS AND NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DID NOT RESIDE AT THESE ADDRESSES ALSO MY NAME IS XXXX XXXX XXXX XXXX HAVE REPORTED ON THERE OTHER VARIATIONS OF MY NAME AS XXXX XXXX AND XXXX XXXX XXXX XXXX HAVE NEVER EVER USED MY NAME IN THESE FORMATS XXXX REFUSES TO PROPERLY INVESTIGATE THESE ACCOUNTS AND PERSONAL INFORMATION EVEN AFTER REPORTING THESE MULTIPLE TIMES AND DISPUTING INFORMATION

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX REPORTING THAT MY ACCOUNT IS OPEN WHEN IT IS CLOSED ALSO REPORTING IM UNDER PARTIAL PAYMENT AGREEMENT WHEN ACTUALLY ITS UNDER CREDIT PROTECTION I HAVE DISPUTED THIS INFORMATION OVER AND OVER AGAIN AND EXPERIAN STILL INSISTS THAT ITS VERIFIED WHEN I HAVE CALLED MYSELF AND WAS TOLD IT IS IN FACT CLOSED IF IM NOT MISTAKEN BECAUSE THE INFORMATION IS INACCURATE IT HAS TO BE REMOVED FROM MY REPORT.

MACYS/ CBNA REPORTING CHARGE OFF IN JXXXX XXXX  WHEN I ACTUALLY PAID THEM OFF IN A SETTLEMENT AGREEMENT XX/XX/XXXX AND {$450.00} WAS WRITTEN OFF AS PART OF THE SETTLEMENTAGREEMENT THE ACCOUNT WAS NEVER CHARGED OFF ALSO THEY AR REPORTING WRONG ADDRESS AND NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DID NOT RESIDE AT THESE ADDRESSES ALSO MY NAME IS XXXX XXXX XXXX XXXX HAVE REPORTED ON THERE OTHER VARIATIONS OF MY NAME AS XXXX XXXX AND XXXX XXXX XXXX XXXX HAVE NEVER EVER USED MY NAME IN THESE FORMATS EXPERIAN REFUSES TO PROPERLY INVESTIGATE THESE ACCOUNTS AND PERSONAL INFORMATION EVEN AFTER REPORTING THESE MULTIPLE TIMES AND DISPUTING INFORMATION

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 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-03-10 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: LA

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 Experian, Equifax & TransUnion 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 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 2025-03-10 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: LA

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 Experian, Equifax & TransUnion 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 non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-10 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: IL

Complaint narrative:
I was surprised to find multiple accounts on my credit report that I have no knowledge of. These accounts were not opened or authorized by me, yet they are being reported under my name, creating a completely false and misleading credit profile. I need to know why this has happened and how these errors can be corrected immediately.

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 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control , LLC. contacted me via email onXX/XX/XXXXXX/XX/XXXX regarding a debt / collections matter for the amount of {$900.00} ( the Correct Debt Amount should have been {$760.00} ). On that same day, XX/XX/scrub>XX/XX/XXXX I recognized the original debt, so I reached out to Credit Control , LLC. to pay the debt. From XX/XX/scrub>XX/XX/XXXXXX/XX/year>, I have made numerous attempts to make contact with Credit Control , LLC. to the phone number listed on their email and my calls have been within the business hours listed in the email to no avail. Credit Control , LLC. has a voice-recorded operator asking to leave a voicemail and Credit Control , LLC. will return your call as soon as an agent is available, but they never return your call. As of XX/XX/year> ; after numerous calls and voicemails with no callback from Credit Control , LLC. to collect payment, I can only assume Credit Control , LLC. is purposely and maliciously ignoring me to keep this account on my credit report, and I also assume Credit Control , LLC. is waiving my financial responsibility to this debt as they REFUSE to communicate with me.

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 2025-03-10 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 XXXX ( MO ) 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 2025-03-10 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: M&T BANK CORPORATION
State: MD

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 2025-03-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

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 response to consumer: Closed with explanation