vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
XXXX XXXX was disputed account that I am told meets FCRA everytime with not additional explantion from any the agencies, it is not my debt. I did not rack up a huge XXXX XXXX XXXX XXXX XXXX XXXX I lived in XXXX  especially since I only stayed/a few weeks at the address listed to get an ID and debit card delivered as I was traveling and had my XXXX XXXX during my time in XXXX, I dont even remember the XXXX  who let me use XXXX XXXX XXXX XXXX  till my debt cards and ID was delivered to me. please remove this from my report and at the vary least don't allow XXXX and XXXX to REAGE my debt its illegal and they are aparently lawyers who should know that doing that and marking it as fresh debt and the credit agencies allowing it and never give an explanation of what FCRA means simply look complicit with each other in violating the FCRA laws.Misrepresenting the date of first delinquency : Re-aging involves changing the original date when a debt became delinquent, often to the date a debt buyer purchased it or a payment was made. 
Extending the time on credit reports : This misreporting makes the debt appear more recent, extending the time it can negatively impact a consumer 's credit score beyond the XXXX-year limit set by the FCRA. 
Violation of the FCRA : The FCRA requires credit reporting agencies to report accurate and timely information, and re-aging violates this requirement. 
Consequences of Re-Aging : Negative Impact on Credit Score :. 
Re-aged debts can significantly lower a credit score, making it harder to get loans, credit cards, and other financial products. 
Legal Penalties :. 
Debt collectors who engage in re-aging can face legal penalties and lawsuits from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
XX/XX/year> XXXX XXXX prime account was established and had a XXXX limit with XXXX cash allowance one online purchase was made for XXXX by myself and I never used it ever again never received any of the cards XXXX proving the card I have is. It the card number that was used doesnt match up .. also none of the buisnesses exist where the purchases where made and also I do not have accounts with any of the other places purchases where made nor do they have card data of the card number ending in XXXX .. XXXX XXXX Sheriffs office investigated all of these places and transactions and they were not made by myself .. this whole account was used by someone else stealing my identity .. this account the last name has been changed fed several times and slate card also was signed up and I never applied for .. very first time I have an account with chase and Ill never ever in my life ever have one they do not keep account secure nor do they keep your personal information from being hacked into because there was transactions going through after it was well over credit limit.. why or how does that happen ..?? Simple answer lack of security of the accounts someone called had this XXXX card in their posession and had all my personal information and they let all of this go through and it was not myself they were talking too I was not in those locations nor did I have any service of any kind to be doing this attached is the police report verified this was not me nor is it my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: IN

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 2025-05-09 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-09 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: AL

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DApps Platform, Inc.

Complaint narrative:
Trust wallet was supposed to send $ XXXX to my bank account with the XXXXXXXX XXXX  XXXX XXXX XXXX This money was a refund from an investment scam. After XXXX  months of back and forth communication and after I paid all the taxes and fees and followed and passed all financial regulations, Trust Wallet failed to deliver the funds to me as promised. Their last email on XX/XX/year> mentioned that the transfer would be completed within XXXX business days after I paid the security deposit. After waiting XXXX  month, Trust Wallet has breached the contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
MY COMPLAINT IS WITH THE GOVERNMENT. 
XXXX XXXX HAD NO RIGHT TO ACCESS ANY OF MY FINANCIAL INFORMATION PERIOD WHAT HE DID IS UNLAWFUL AND A BREACH OF ETHICS.. 
FOR THESE REASONS I WOULD LIKE THE STUDENT LOAN DEBT REMOVED FROM MY CREDIT REPORT AND MY LOAN DEBT FORGIVEN. 
WE CAN NOT HAVE OUR PRIVACY AND DEMOCRACY RIPPED AWAY FROM US JUST BECAUSE HE THINKS HE CAN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I had contracted with a local XXXX company to have my XXXX XXXX replaced. I met with the owner and received e-mails from this company and they did great work! E-mails came from the company 's e-mail address, such that XXXX XXXX sorted them into e-mail threads with the legitimate e-mails the company sent. The e-mails that I now know to be fraudulent directed me to pay 60 % of the total cost as a deposit before work could be scheduled, and mentioned that they accepted Zelle and wire transfer. Because the amount of the repair was {$8200.00}, I said that I would be paying with Zelle. They responded that they would send me the Zelle information the following day. The e-mails were signed by the same person in the office who signed the other e-mails, XXXX. I sent the Zelle to the person listed as the Zelle contact - two payments of {$3500.00}, sent about 25 hours apart, due the the daily limit that Zelle has. XXXX was sent on XX/XX/year> and the other was sent on XX/XX/year>. I also sent a screen shot for confirmation, which they had requested, which they thanked me for. On XX/XX/year>, the XXXX company called me to inquire about when I would be sending them payment. I was shocked because I had already paid them ( at least I thought it was them ) {$7000.00}! I now believe that their XXXX e-mail was hacked and this bad actor intercepted our communication and targeted me. The e-mails appeared legitimate because they originated from their same e-mail address and stayed within the thread that was already in progress from my XXXX When I view the metadata for the e-mails, they do appear suspicious, but they bypassed the XXXX phishing filters. I have reported this to the XXXX Police Department, FBI, and FTC. I also opened a Zelle case through XXXX XXXX XXXX, but they said it would take up to 45 days for the investigation to happen and there was no way to refund my money, even though one of the transfers had happened just a few hours before and was still pending. Both were within the 1-5 day period where transactions are not " final. '' The other person whose name and number were used for the fraud could also be a victim of identity theft if they are not the perpetrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-09 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 recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Multiple attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have failed, leaving these unauthorized entries intact. The impact on my life has been profound, generating significant stress and anxiety that affects my daily functioning. As a victim of identity theft, I must emphasize that I never authorized or consented to having this damaging information associated with my name.

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 2025-05-09 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: KS

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation