vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: AZ

Complaint narrative:
THE FOLOWING VIOLATION HAS TAKEN PLAVE AFTER A CEASE AND DESIST XXXX  SENT AN ALERT STATING THE INFORAMTOION WAS BEING ABTAIN FROM EQUIFAX WHEN I HAVE PLACED EQUIFAX ON A CREDIT FREEZE AND A CEASE AND DESIST. I ALSO NOTICED TWO YEARS ALMOST DAILY SOMETIME THREE TIME A DAY  OF INQUIRES FROM THE CREDIT AGENCIES EQUIFAX I ASKED FOR UNVERIFIED LAST NAME CLINKSCALE TO BE TAKEN OFF REPORT AND ASKED SERVERAL TIMES ABOUT THE UNAUTHORIZED ADDRESS THAT HAS NO INQUIRES OR ACCOUNTS TIED TO THIS INFORMATION 
THE FOLLOWING VIOLATIONS HAVE BEEN VIOLATED 15USC1681 E B A Z N  15USC1692C 15USC1666B 15USC1681 B F 15USC6802 15USC1681B 1 F SECTION 604 A 3 604 A 3 ii  SECTION 616 SECTION 632 SECTION 165 SECTION 616

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Please remove these fraudulent inquiries from my credit report, Thank 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 2025-03-31 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:
I have not supplied proof under the XXXX  of XXXX by XXXX, 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 explanation
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the XXXX  of XXXX by XXXX, 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
It was 27 transactions coming from my bank and cashapp that I did not validate or authorize I been trying to get this situated but they denied my request which was a wrong doing I sent proof I dont have access to my bank account because I got it stolen my identity was stolen I had an house fire and all my important documents was gone I really need my funds I just want to get to a resolution and get this fixed I tried all different of ways I just want the money back that was took from me I sold a phone on market place back round XXXX XXXX I dont know if they breached my data or not but I didnt authorize anything I havent had access to any of my funds for months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
to XXXX, XXXX Morning Team, In 2 weeks this application will be going on for 4 months..

PLEASE tell me what's left to supply? 

Come on folks this is your business lending Correct? I dont think we are a credit risk here, we paid back numerous loans with BoA XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX ( 6 days ago ) to XXXX, XXXX Team XXXX I looked on the BoA site and it still shows the 4 things outstanding. I sent it over via email as well to you direct XXXX ( see below ) XXXX I dont think its you, but can I have your supervisor 's name or someone in credit.I could have. I should have applied a XXXX  through XXXX XXXX  where 3 months ago I expect an update by close of business today! 

XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX ( 6 days ago ) One more with BoA 's response today.. XXXX, please confirm you received these documents last week? 

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX XXXX XXXX Team , its ok, I have been leaving a VM for XXXX XXXX X a day 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
I do not owe this amount for this account. This is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting a collection account related to XXXX with account number XXXX I never signed any contract or gave consent to XXXX XXXX XXXX to collect or report this debt. I previously requested the removal of this account from my credit report, but Experian responded that the account had been verified without providing valid documentation or proof of any relationship between me and XXXX XXXX XXXX. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 623, which requires accurate and verifiable information on my credit report. Since there is no valid contract or legal documentation to support this account, I am requesting the immediate removal of this account.

I have attached : A copy of the FTC Identity Theft Report generated on XX/XX/year>. 
A copy of my credit report showing the incorrect information. 
A copy of the dispute letter sent to Experian regarding this issue. 

If this account is not removed immediately, I am prepared to take legal action to protect my rights under the FCRA.

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 2025-03-31 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 have not supplied proof under the XXXX  of XXXX  by XXXX, 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 2025-03-31 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 XXXX  of XXXX  by XXXX, 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 2025-03-31 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: OneMain Finance Corporation
State: LA

Complaint narrative:
I filed a dispute on, one main financial, using XXXX XXXX XXXX denied to follow up with the investigation.i was recently notified that CFPB has filed a lawsuit on this company ( XXXX ) They alleged the company of accepting unreliable information failure to notify consumers disputes results this aligns well with my situation XXXX has not attempted to remove nor correct any information Im requesting for this derogatory mark to be removed or corrected as it is affecting my chances of getting a house, car, XXXX violated my rights as a consumer as well as federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

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 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 2025-03-31 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: Westlake Services, LLC
State: IN

Complaint narrative:
This account has remained on my account for years reporting inaccurate information about late payments. I've disputed with no removal after all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: iQuantified Management Services, LLC
State: TX

Complaint narrative:
I got a call about the debt I asked for itemized charges because this appears to be an old debt they said they sent didn't get it I asked to have it sent again and what I got was a bill threatening bad credit if I don't pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-31 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 a victim of identity theft. There are some credit cards accounts that I didnt authorize or give anyone permission to open.

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 2025-03-31 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 am a victim of identity theft. There are some credit cards accounts that I didnt authorize or give anyone permission to open.

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 2025-03-31 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-31 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 2025-03-31 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
I have fraudulent hard inquires on my credit report XXXX. XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX ( XX/XX/2025 ) XXXXXXXX XXXX XXXX XXXX C ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2025 ) XXXX. XXXX XXXXXXXX XXXX  ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I have fraudulent hard inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 am formally filing a complaint regarding the inaccurate reporting of XXXX accounts and multiple hard inquiries on my credit report by the credit reporting bureaus. Despite my efforts to dispute these errors, they remain uncorrected, negatively impacting my credit profile. The inaccuracies specifically involve the following accounts : XXXX ) XXXX XXXX ( Credit Card, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXXXXXX XXXX ( Credit Card, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX  XXXX XXXX ( Credit Card, XXXX, Joint with XXXX XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX XXXX XXXX ( Debt Buyer, XXXX ), Opened XX/XX/XXXX. 

XXXX ) XXXX XXXX XXXX XXXX ( Collection, XXXX ), Opened XX/XX/XXXX. 

Additionally, I am disputing the following hard inquiries, which are also inaccurately reported : XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ). 

XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ). 

XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ). 

XXXX ) XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ). 

I request an immediate investigation and correction of these inaccuracies per the Fair Credit Reporting Act ( FCRA ). The failure to address these errors has caused undue harm to my credit standing. I urge the bureaus to take prompt action and provide written confirmation of the corrections made. Since this matter is not resolved in a timely manner, I am escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

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