vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: MS

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

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> 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 2025-03-06 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: MI

Complaint narrative:
I received a notification from Experian than my credit was ran on XX/XX/year>. That was odd to me so I reached out to their collections department, and they said that they were unsure, they would only pull my credit for a loan. On XX/XX/year>, XXXX XXXX  XXXX called my job for an employment verification for a loan- thank goodness I am HR and I receive those calls. I was made aware that a loan is being attempted to get taken out in my name at XXXX XXXX XXXX and XXXX other banks. I put a freeze on my credit ASAP and will be making a police report. I am not sure how to proceed with getting the hard inquiry off my 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 2025-03-06 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not been able to get a credit report but more importantly, my credit score has not changed since XX/XX/XXXX. I contacted Experian on Tuesday, XX/XX/XXXX, I was told that my address was not on my report which caused the problem. They asked me to upload my identification as proof of my current address. I uploaded my driver 's license while I was speaking to the customer service agent. He said that it takes XXXX days to update. I keep getting disconnected when I attempt to contact Experian. I believe that I can not get an updated credit report for the same reason.

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 2025-03-06 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 did not open any of these accounts it is fraud XXXX XXXX XXXX Acct # XXXX Balance XXXX XXXX  XXXX  XXXX  Acct # XXXX XXXX XXXX  XXXX  XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX : XXXX  XXXX  XXXX bank Acct # XXXX  XXXX XXXX  XXXX  XXXX XXXX Acct # XXXX XXXX We XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
This credit card was open fraudulently under my name. It is not mine, I didn't open It. I sent them the police report showing it's not mine. When I found out about It, I closed the account. They will not remove this off my credit report, or reopen the investigation. I even told them who I banked through which is not my bank. Please help me get this removed off my credit report. I even told them there were XXXX other cards opened under my name that got removed. I had identified theft happen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: 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 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 2025-03-06 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Transunion Dispute Department Subject : Demand for proper reinvestigation and removal of inaccurate items. XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX. To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report, I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for XXXX  XXXX, failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process. I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with FEDERAL LAW. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit reporting and proper handling of disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing complaints with the CFPB, the ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. I expect your full cooperation in this matter and require written confirmation of the actions you have taken within XXXX  days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
I noticed a large amount of fraudulent hard inquiries on my credit report today XX/XX/year> and this keeps happening ; I need a solution as soon as possible because this is affecting my reputation tremendously.

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 2025-03-06 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2025-03-06 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 ( 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: WA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to 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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Dispute of Alleged Debt To Whom It May Concern, I am writing in response to a recent communication from your agency regarding an alleged debt with account number XXXX. I dispute the validity of this debt and am requesting that you provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under the FDCPA, I am entitled to a detailed verification of the debt. To fulfill your obligations, please provide : XXXX. The name and address of the original creditor. 
XXXX. A detailed accounting of the alleged debt, including principal, interest, fees, and penalties. 
XXXX. A copy of the original agreement or contract that demonstrates my legal obligation to pay this debt. 
XXXX. Proof that your agency has been assigned or has purchased the debt and is legally authorized to collect it. 
Please note that mere account statements or payment histories are insufficient to meet the requirements of debt validation. I am requesting proper documentation to establish the validity of the alleged debt. While I await your response, you must cease all collection efforts, including reporting this alleged debt to credit reporting agencies. Be advised that continued collection attempts without proper validation violate the FDCPA and may be subject to legal action. If you can not provide the requested validation, I expect you to cease all collection activities, remove any negative reporting from my credit file, and confirm this in writing. This is a formal dispute of the alleged debt. I reserve all rights under applicable federal and state laws, including the right to seek damages for violations of my rights. Please respond to this request in writing within XXXX  days of receipt of this letter. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and the Federal Trade Commission ( FTC ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I already had disputes with Concora due to giving me CC then locking me out and wanting me to send ID to some random place. 

Eventually I caved. 

Even got XXXX cards. 

Been paying perfectly. Same exact checking account. 

Got a third card. 

Paid all three. 

Now frozen for XXXX weeks and maybe gon na lock me out. 

Not used online due to how touchy this company is. 

Literally froze me out due to paying off my balance. 

Maybe they're afraid XXXX close the account and this is their way of holding funds? 

XXXX either way. 

Been a customer half a year. 

Took you almost XXXX months to request ID through XXXX .... and you got it. A XXXX citizen 's ID sent through an XXXX center. Real secure. 

And you lock another card. 

No answer except " it may happen ''. 

After " XXXX questions '' basically they say that if you pay a card, they may randomly hold your money for XXXX weeks, period. Deal with it. 

I woulda paid a different card..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc.
State: NV

Complaint narrative:
This company and I never did business together. I never held a contract of any sort with Midwest Specialty Resale. This is FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts Impacted : XXXX XXXX XXXX Account # XXXX XXXX  XXXX  XXXX  Account # XXXX** XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX inquired on XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  inquired on XX/XX/year> Please see all documents attached

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