vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
* I do not want a copy of my credit report mailed to me, I can view it online * I have contacted all 3 credit bureaus numerous times due to a XXXX account that was used fraudulently when I was the victim of identity theft and had multiple accounts opened and also my accounts taken over, I was told I needed a police report and an FTC Identity Theft report and I have both of them. It clearly shows in the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
In spite of this, the credit bureaus continue to not block the XXXX account that was hacked into and used fraudulently when my identity was stolen. The account has been reporting for months after I have submitted all the necessary documents and nobody from the bureaus has reached out to help or gather more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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 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 2025-05-16 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: CA

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 15 USC 1681i ( 7 ). 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 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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> : I received notification from my bank that funds had been seized by a writ of garnishment. 
The funds were seized from my daughters account which I am secondary on in which the funds are for her VA Education benefits. 
I was informed to contact XXXX XXXX XXXX  who proceeded to tell me if I wanted my daughters funds released I had to sign a payment plan. I asked for verification of the debt in which they just provided me a court judgment awarding the settlement to LVNV funding in which I was NEVER notified of occurring.

I am now past the court time to appeal this judgment and the debt is past the Statute of Limitations. In addition, the debt was incurred during my marriage which it states in my decree that my ex spouse is liable for all debt incurred during our 25 years together. ( Texas is a community property state ). However, my ex spouse only receives VA and Social Security benefits which are protected by law. This law firm made me and my daughter ( who is not legally liable for this debt ) provide three months worth of bank statements. They spoke to my daughter about my account in which my whole family was made aware when they called them as well. They are in violation of the fair debt practice and as such identify theft for disclosing personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MO

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 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: MO

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY RIGHTS WERE VIOLATED AS A CONSUMER UNDER 15USC1681B AND I NEED THESE ACCOUNTS BLOCKED AND REMOVED FROM MY REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX listed on my credit reports with several inaccurate information. I took out this auto loan in XXXX of XXXX. The first delinquent payment was made in XXXX. I have made multiple attempts to resolve how this account is reporting on my credit reports with XXXX XXXX XXXX but they failed to update my account, and they are refusing to remove this account from my credit reports as directed by the courts that allocated the lawsuit. Loan Forgiveness and Car Title : For certain consumers, XXXX sent the consumer title to the car and forgave the balance of the loan. XXXX did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} XXXX. XXXX will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from XXXX in XX/XX/XXXX. 
The consumers who qualified for this relief : Defaulted on the loan but the vehicle was not repossessed ; and Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator knows consumers internal scores. 

In addition, the account is reporting inaccurate on my credit reports and is not reporting all historical data. My report is missing loan payment information stating back in XXXX when I started got my auto loan. I have attached both credit reports to show how XXXX XXXX XXXX not reporting XXXX and is only showing XXXX  months of data for XXXX. Because the reporting is so derogatory I have been turned down for credit and denied on my credit applications.

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 2025-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX listed on my credit reports with several inaccurate information. I took out this auto loan in XXXX of XXXX. The first delinquent payment was made in XXXX. I have made multiple attempts to resolve how this account is reporting on my credit reports with XXXX XXXX XXXX but they failed to update my account, and they are refusing to remove this account from my credit reports as directed by the courts that allocated the lawsuit. Loan Forgiveness and Car Title : For certain consumers, XXXX sent the consumer title to the car and forgave the balance of the loan. XXXX did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} million. XXXX will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from XXXX in XX/XX/XXXX. 
The consumers who qualified for this relief : Defaulted on the loan but the vehicle was not repossessed ; and Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator knows consumers internal scores. 

In addition, the account is reporting inaccurate on my credit reports and is not reporting all historical data. My report is missing loan payment information stating back in XXXX when I started got my auto loan. I have attached both credit reports to show how XXXX XXXX XXXX not reporting XXXX and is only showing XXXX  months of data for XXXX. Because the reporting is so derogatory I have been turned down for credit and denied on my credit applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has kept a fraud alert and credit file block in place that is preventing me from accessing my credit report, which I need to repair and monitor as part of my credit restoration process. Despite providing my identification and utility bill, I have been unable to get them to lift the block or remove the alert. 

Description of the Problem : I have made multiple attempts to resolve this issue directly with Equifax. A fraud alert and block were placed on my credit file, and I am now unable to access my report through any of the usual credit monitoring platforms or tools. I am actively working on repairing my credit, and this restriction is interfering with my ability to apply for credit products, check my scores, and monitor for errors or updates. 

I sent Equifax the required documentationmy government-issued photo ID and a recent utility billbut my file remains blocked, and I have received no confirmation or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: TX

Complaint narrative:
I sent a letter to Credit Services International XXXX  days ago on XX/XX/year>, requesting the following information.

1. A copy of the original medical bill from the healthcare provider, including a detailed itemization of charges.

2. Documentation showing that I agreed to pay for these services.

3. Proof that you are authorized to collect on this debt.

4. The date of service and the name of the medical facility involved. 

I have not received a response to date. Please note that I have proof of delivery confirming that the letter was sent and received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Card has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a ballon payment at the end of my loan, I bought my house XX/XX/year>, I have not even seen a decrease in my mortgage balance at all, I received several checks stating that there was an error money was due to me, bc of the modification. I was even told the second loan would be forgiven and it was not forgiven as they told 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 2025-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
There was a fraudulent account opened at capital one at the end of XXXX, XXXX. 
I discovered this after checking my credit report on XX/XX/XXXX of XXXX. Charged at approximately {$12000.00}. 

I have since called and made several disputes with capital one. All to be closed saying that no fraud was found. 
Capital One also gave no explanation of how they came to that conclusion through any investigation. Merely denying any form of fraud. 

I mailed a letter to capital one with a police report, identity theft report and proof that XXXX  had deleted the fraudulent account .. asking them to delete the account and cancel the fraudulent debt. 

Capital one did not send back my return receipt attached to the letter and later sent a reply stating no fraud was found, that they couldnt give me bank statements and that the contract was signed over the phone and legitimate. 

They also sent back a letter mentioning that the debt has gone to collections and I will be notified if and when the debt is sold to a third party. 

I recently have mailed another letter with an updated police report, identity theft report, copy of my ID, copy of their denial letters, copy of my previous letter to them. 

I make this complaint merely as the last step before I am forced to take lawful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

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 15 USC 1681i ( 7 ). 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 non-monetary relief
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-05-16 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I opened my checking account at XXXX XXXX XXXX on XX/XX/year> at XXXX XXXX, XXXX branch. 
Im was not abble to access to my online banking using my user name XXXX. I calles today XX/XX/XXXX to XXXX XXXX but they couldnt help me because I dont know my account number and they coulndt search using my phone number or email regitered with the bank

Company response to consumer: Closed with explanation