vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the company several times to request that a copy of my credit report be mailed to my address, but it has never been mailed to me. I strongly request that my credit report be mailed to my XXXX XXXX XXXX XXXX CA XXXX. 
The company has multiple accounts registered in my name. I hope to delete other accounts registered in my name and only keep the account I registered in early XX/XX/year>. 
It was so difficult to resolve the issues that they refused to even mail a credit report to my home. 
The car loan and mortgage problems using my name have not been resolved yet, and the company has all this information. 
I should also be notified when the problem is solved. So far, no notification has been given, which means it has not been solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

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 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 2025-05-04 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: CO

Complaint narrative:
I am submitting this request to dispute and seek the removal of inaccurate information currently reported on my consumer credit file. Specifically, I have identified entries that are incorrectly categorized including accounts and late payments that are wrongfully listed as inquiries. These entries are both incomplete and inaccurate, and they do not reflect any actions I have authorized or initiated. 

I respectfully request a thorough investigation into these discrepancies and the prompt deletion of any unverifiable or misrepresented items from my credit report. 

Thank you for your attention and assistance in helping ensure the accuracy and fairness of my consumer credit 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 non-monetary relief
Consumer complaint received 2025-05-04 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: Aargon Agency, Inc.
State: SC

Complaint narrative:
Upon reviewing my credit report, I noticed there was a collection account reporting that I was unaware of and had no knowledge of this account. I then placed a dispute with all reporting agencies to include XXXX XXXX XXXX XXXX  I then sent a validation on debt letter to this agency with no response. I have never done business with this company and have no contracts or agreements and did not give them permission to access my social security number or any confidential information. There is no written signature of any kind of my ever authorizing such instances.

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 2025-05-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXXfor 2 years i've been trying to get XXXXXXXX XXXX  & AMEX to investigate and fix the information erroneously put on my credit report, for a month or two it was removed from my credit report only to be put back months of being removed.I've never experienced anything as such, XXXX XXXX removed the accounts but only XXXX kept\nreporting the erroneous even after proving they made a mistake they only updated and commingled other info with my information. I believe XXXX never investigated the facts about these accounts. \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
XXXX XXXX BANK # XXXX needs a thorough investigation TransUnion EXPERIAN AND EQUIFAX must report fairly and accurately according to the FCRA 15 USC 1692g ( a ). I demand a proper investigation of the method of verification which should include the following : Purchase Agreement with signature : procedure on how this information was verified with names addresses : A complete itemized breakdown of the debt : Documentation of the method that was used to verify the debt

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 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX BANK # XXXX needs a thorough investigation TransUnion EXPERIAN AND EQUIFAX must report fairly and accurately according to the FCRA 15 USC 1692g ( a ). I demand a proper investigation of the method of verification which should include the following : Purchase Agreement with signature : procedure on how this information was verified with names addresses : A complete itemized breakdown of the debt : Documentation of the method that was used to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by Experian, XXXX and XXXX Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. The inaccurate information includes : Incorrect reporting of XXXX, XXXX, and XXXX late payments for my student loan, which are false and should not be reflected on my credit report. Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. Failure to update or verify the accuracy of the reported delinquencies. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. A formal investigation into why this false information was reported. Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. I am requesting that the CFPB investigate this matter promptly and ensure that Experian, XXXX, and XXXX  correct their records. I would appreciate a timely response and resolution to this issue. Thank you for your time and assistance. Attachments : Screenshot of the inaccurate credit reporting ( 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
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by XXXX, Equifax, and XXXX. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. The inaccurate information includes : Incorrect reporting of XXXX, XXXX, and XXXX late payments for my student loan, which are false and should not be reflected on my credit report. Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. Failure to update or verify the accuracy of the reported delinquencies. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. A formal investigation into why this false information was reported. Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. I am requesting that the CFPB investigate this matter promptly and ensure that XXXX, Equifax, and XXXX  correct their records. I would appreciate a timely response and resolution to this issue. Thank you for your time and assistance. Attachments : Screenshot of the inaccurate credit reporting ( attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by XXXX XXXX, and TransUnion. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. The inaccurate information includes : Incorrect reporting of 90-day, 120-day, and 150-day late payments for my student loan, which are false and should not be reflected on my credit report. Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. Failure to update or verify the accuracy of the reported delinquencies. These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. A formal investigation into why this false information was reported. Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. I am requesting that the CFPB investigate this matter promptly and ensure that XXXX XXXX and TransUnion correct their records. I would appreciate a timely response and resolution to this issue. Thank you for your time and assistance. Attachments : Screenshot of the inaccurate credit reporting ( 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 non-monetary relief
Consumer complaint received 2025-05-04 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from 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  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding an account XXXX  XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX The account is listed as Paid as agreed, but it continues to have a negative impact on my credit report due to late payments, missed payments, or other negative marks. Although the account is paid in full, I believe the negative entries inaccurately affect my credit score.

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 2025-05-04 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: GA

Complaint narrative:
I am writing to file a complaint regarding an account XXXX  XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX The account is listed as Paid as agreed, but it continues to have a negative impact on my credit report due to late payments, missed payments, or other negative marks. Although the account is paid in full, I believe the negative entries inaccurately affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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 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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Attempted to use my debit card this morning for a {$3.00} purchase of bananas. My card declined twice so I called Chase, I was told my card wasnt active and that they had just reactivated it. I went back in to use my card again, it declines twice. I call back and was told they had closed my account, 4 years with the same bank account and they just closed it for trying to buy bananas. So not only do I not have a bank account anymore they will have my funds tied up for 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
I was sued by First National Bank of Omaha in the state of Missouri. They won judgement back in XXXX. There was an arrangement of me paying monthly payments. I made payments every month until I got my second XXXX diagnosed and lost my job in XXXX. I contacted First National Bank of Omaha and told them of the situation. They never nor I conversed. I got married and changed my name, moved to XXXX XXXX. On XX/XX/XXXX, my bank calls and says that {$5400.00} was being garnished out of my husband 's savings account, which I am on, but he contributed mostly to that savings account. I never received notice from First National Bank that they were going to garnish. I have had no written letters or calls to me stating this. I should have been notified or issued something from the courts or First National. This debt occurred before I was married, but just took the money out of our savings account.

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 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-04 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:
Department of EducationXXXX - XX/XX/XXXX {$5400.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$700.00} - XX/XX/XXXX {$3300.00} - XX/XX/XXXX {$2000.00} - XX/XX/XXXX {$4100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$1800.00} - XX/XX/XXXX {$2100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$4400.00} - XX/XX/XXXX {$3700.00} - XX/XX/XXXX {$20.00} My personal and financial data was compromised violating FERPA.

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 2025-05-04 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: GA

Complaint narrative:
Department of EducationXXXX - XX/XX/XXXX {$5400.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$700.00} - XX/XX/XXXX {$3300.00} - XX/XX/XXXX {$2000.00} - XX/XX/XXXX {$4100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$1800.00} - XX/XX/XXXX {$2100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$4400.00} - XX/XX/XXXX {$3700.00} - XX/XX/XXXX {$20.00} My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Department of EducationXXXX  - XX/XX/XXXX {$5400.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$700.00} - XX/XX/XXXX {$3300.00} - XX/XX/XXXX {$2000.00} - XX/XX/XXXX {$4100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$1800.00} - XX/XX/XXXX {$2100.00} - XX/XX/XXXX {$2300.00} - XX/XX/XXXX {$2400.00} - XX/XX/XXXX {$4400.00} - XX/XX/XXXX {$3700.00} - XX/XX/XXXX {$20.00} My personal and financial data was compromised violating FERPA.

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