vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: DE

Complaint narrative:
I am writing to urgently request your assistance regarding Experians repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 15 U.S.C. 1681i, and Section 611. Experian has not only failed to follow federal law and established protocol, but their actions also undermine the fundamental consumer protections that are essential to fair credit reporting. 

After I disputed certain accounts and personal information on my credit report, Experian removed them. However, they have recently reinserted the same information without notifying me or providing any certification of its accuracy, as the law requires. The items Experian has reinserted, which I am requesting to be removed, are : XXXX XXXX : Account Number XXXX XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXX XXXX Auto : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX La XXXX Also Known As ( AKA ) : XXXX XXXX Experians actions are in direct violation of the FCRAs requirements for handling consumer disputes and for preventing the improper reinsertion of previously deleted information. The CFPB itself has recently sued Experian for failing to properly investigate consumer disputes, using faulty procedures, and reinserting inaccurate information into credit reports without proper checks or consumer notification. These violations not only break federal law but also threaten consumers access to credit, employment, and housing. 

Furthermore, I believe Experians disregard for established protocol and consumer rights undermines constitutional protections for due process and fair treatment. Their failure to properly investigate, notify, and resolve disputes as required by law is an affront to the principles of fairness and transparency that these laws are designed to uphold. 

On XX/XX/year>, I sent Experian another letter, requesting that this information be removed again within XXXX business days. As of today, nothing has changed, and I have not received any response or explanation from Experian. 

I respectfully request that the CFPB instruct Experian to follow the law exactly as it is written and to rectify this matter in a timely manner. I want Experian to be held accountable and to remove the reinserted information from my credit report, following all legal requirements. 

Thank you for your attention to this urgent matter. I have attached copies of my correspondence with Experian for your reference.

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 2025-05-20 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-20 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
The XXXX XXXX XXXX debt I Owe is a result of Identity theft please remove that debt from my credit.

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 2025-05-20 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: KS

Complaint narrative:
There are several companies on my report from which I do not currently have accounts and there are numerous inquiries from the past two years which were not requested from myself or any companies in which I requested credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
There are several companies on my report from which I do not currently have accounts and there are numerous inquiries from the past two years which were not requested from myself or any companies in which I requested credit

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
An entry related to a XXXX  case is currently being reported on my credit file by, Experian and TransUnion. I believe this record Inaccurately reported and not associated with me XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: DE

Complaint narrative:
disputed fraudulent/innacurate item on my report and transunion continues to claim that the item is verified which tells me they are not doing a proper investigation for innacurate information on my report and willlfy neglecting the fcra to not comply and fix my credit report and remove innacurate items

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 2025-05-20 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I created and printed a dispute letter detailing inaccuracies being reported by Experian. I signed and dated the letter by hand, included a copy of my photo id, included a copy of a bank statement containing my mailing address, and mailed it XXXX XXXX class mail, personally at a local post office. 

A week later, I received a letter dated XX/XX/XXXX from Experian, acknowledging that they received my dispute letter but they were essentially going to ignore it. 

" We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' Are they not responsible to investigate and respond to my disputes within 30 days per the federal FCRA? 

Again, I signed and dated the letter, hand-addressed the envelope, and personally went to the post office to mail it. 

Please help 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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
b'On XXXX/25 a check in the amount of XXXX was mailed to was mailed to XXXX PO Box in XXXX XXXX, IL via XXXX  (tracking #XXXX XXXX XXXX XXXX XXXX XXXX). The check was issued by XXXX XXXX for a refinance of the 2025 XXXX loan held by XXXX.  \n\nOn XXXX/25 through Service Request XXXX, XXXX determined that the check was lost in the mail. A stop payment was placed and a second check was then mailed to XXXX for payment.  \n\nThe second check was also for XXXX and looked similar to the first check except there was a letter B in the top right corner. This designator was placed on the check by the bank, XXXX XXXX, that designated that it was a replacement check and would allow the payment of the check when presented.  That check was delivered to XXXX  on XXXX/25 via XXXX (tracking # XXXX). \n\nSomehow the first check, that the XXXX said was lost in the mail, was delivered to XXXX on XXXX25.  They presented the check for payment and eventually it was returned due to the stop payment.  I advised them of the reason why and asked them to process the second check that was mailed.  \n\nChecking my account the payment was never applied.  I made several concerning call and sent messages online to XXXX.  I was told everything from the check would get processed, to there was no record of a second check, to just wait itll take a few days.\n\nAfter weeks of no payment and bad responses, on XXXX/25 I spoke with XXXX  (initials: XXXX). XXXX  stated he was able to locate the second check I sent, it would get sent for processing, the loan would be paid off, there would be no late fees, additional interest, or anything else I needed to do. \n\nBy XXXX/25 the second check hadnt been processed and my account still had a balance.  I spoke with XXXX who stated he would email the appropriate department and filled out the correct forms to ensure my payment would get processed.  \n\nXXXX/25 I spoke with XXXX who stated that the check was returned, to where he didnt know, and that the only thing I could do was to get a new check and have it sent to XXXX for processing.  \n\nHaving a new check sent will not address the late payments that have been reflected in my credit nor the interest that has accrued on the loan.  I would like the loan to be paid off for the balance that was reflected when they received my payment.  I would also like to know where the second check I mailed is currently.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: I.C. System, Inc.
State: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I received a XXXX XXXXXXXX credit card. And I never applied for it the limit was {$700.00} I called to ask why I received this without applying and they wanted a lot of personal information and I refused to give it to them so they would not close it with out all my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal mobile account opened at XXXX on XX/XX/year> under the account number XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. fruad inquiries consumer portfolio XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX  ser XXXX XXXX 2025 XXXX XXXX  XXXX XXXX 2025 XXXX XXXX  XXXX XXXX 2025

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 2025-05-20 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: NC

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
Consumer complaint received 2025-05-20 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: IA

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with Chase J.P. Morgan. 

I deposited a Treasury Check of {$1700.00}, I was told it would be available the following business day by a chase bank manager. XX/XX/XXXX, XXXX  The following day XX/XX/year>XXXX  nothing in the account. 

I called Chase support center and asked why is my check of {$1700.00} still being with held, they proceeded to not tell me why, when I asked can I cancel the check and take it to a nother location they told me no, I may not, they have the check information now and nothing I can do about it. 

I asked what is the hold for, they wouldn't tell me. 

I asked is it legal to do this, and the operator hung up the phone call. 

Money is still being withheld without any reason to me and without a set date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/scrub>XXXX XXXX XXXX XXXX {$340.00} Both of these accounts are XXXX XXXXXXXX XXXX  XXXX I am unaware of both of these companies with false information I've reached out to the company and asked them to send over information regarding the account and letting them know my identity was stolen showing up as Credit Collection and open account on Credit Report I NEVER VERIFIED ANY OF THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
There were 5 fraudulent charges for XXXX on or around XXXX XXXX XXXX  : XXXX XXXX  for {$100.00} XXXX XXXX  for {$56.00} XXXX XXXX  for {$4.00} XXXX XXXX for {$23.00} XXXX XXXX  for {$33.00} All fraudulent transactions were reported on XX/XX/XXXX but for some reason only 3 were included on a claim, that was denied on XX/XX/XXXX and the charges being described as not " an error ''. I escalated the complaint, was told that I could request the documentation as to why the claim was denied. Speaking to a representative she told me that it was denied because the card had been used " at similar places '' - whatever that means. Wells Fargo stipulates that they monitor ALL accounts for unusual spending, which makes it all the more annoying since all XXXX charges go onto a Wells Fargo credit card, and have since XXXX! It is over 6 weeks and there is still no resolution.

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