vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , 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. 
The fraudulent, inaccurate, and false information includes the following : A medical services opened at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024 under the account number ( private ). 

These accounts have resulted in several fraudulent collections on my consumer XXXX credit report. I have attached a list of the collection accounts and a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. 
I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud. 
I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud. 
I request immediate removal of these items as per my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my 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 2025-04-16 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: NJ

Complaint narrative:
I'm a surviving victims of human trafficking and uploading the necessary documents in this complaint, for these negative accounts to be blocked and removed off my credit report along with my proof of identity Experian and Equifax have been giving me a hard time with this letter these negative accounts need to be removed and blocked immediately. Experian and Equifax are not doing their proper investigation like always.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I'm a surviving victims of human trafficking and uploading the necessary documents in this complaint, for these negative accounts to be blocked and removed off my credit report along with my proof of identity Experian and Equifax have been giving me a hard time with this letter these negative accounts need to be removed and blocked immediately. Experian and Equifax are not doing their proper investigation like always.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unresolved dispute I filed with Equifax, Experian, TransUnion concerning inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes and respond within 30 days. However, it has been more than 30 days since I submitted my dispute, and I have not received any resolution or update. 

Despite my timely submission and providing supporting documentation, the credit bureau ( XXXX ) have failed to meet their legal obligation to respond within the statutory timeframe. This delay is impacting my credit standing and may be causing financial harm. 

I am requesting the CFPB to investigate this matter and ensure that the credit bureau ( XXXX ) provide a timely resolution to my dispute. I would also like the inaccurate item ( XXXX ) removed or corrected promptly, as required by 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 2025-04-16 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: TX

Complaint narrative:
I am submitting this complaint regarding an unresolved dispute I filed with Equifax, Experian, TransUnion concerning inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes and respond within 30 days. However, it has been more than 30 days since I submitted my dispute, and I have not received any resolution or update. 

Despite my timely submission and providing supporting documentation, the credit bureau ( XXXX ) have failed to meet their legal obligation to respond within the statutory timeframe. This delay is impacting my credit standing and may be causing financial harm. 

I am requesting the CFPB to investigate this matter and ensure that the credit bureau ( XXXX ) provide a timely resolution to my dispute. I would also like the inaccurate item ( XXXX ) removed or corrected promptly, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

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 2025-04-16 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: RI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-04-16 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: RI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: DC

Complaint narrative:
I sent you all of these documents, all of my credit reports with the proof showing you that this is not accurate and its not complete and its not fair I want it delete from my credit report this is my final warning Im not playing with you anymore credit reporting agencies delete it from my credit report immediately or Im going to file a complaint with the CFPB.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A cease and desist was mailed via certified mail this company in XX/XX/XXXX. A representative for the company signed for the letter which meant it was received. On XX/XX/XXXX the representative I spoke with on XX/XX/XXXX emailed me invoices I had requested to proved the debt belonged to me. After reviewing the information received and determining it was inaccurate I sent another cease and desist to her via email. I was again contact XX/XX/XXXX from another representative threatening me. I made this representative aware that I had sent XXXX or XXXX cease and desist and asked if they were going to ignore them and continue contacting me to which this representative replied yes and then began threatening me with legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I had a {$10.00} charge to XXXX XXXXXXXX XXXX XXXX XXXX  declined and my card suspended. A letter followed saying they had security concerns and to call. The representative had me verify the {$10.00} political donation and a {$67.00} charge to an international phone accessories company based in XXXX XXXX that went through with no problem. They were not interested in the {$1100.00} charge across the country made over the phone with no physical card present. 
The trigger was the political donation. 
I actually heard XXXX XXXX mentioned on the news as being targeted by the co-presidents for retribution. 
I always pay my cards off before I am charged interest and have an XXXX XXXX XXXX, so the security concerns can only be political.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year>, when I checked my credit report, it showed about 6 hard inquiries, that I did not make. Someone tried to open new accounts under my XXXX. 


XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. XXXX One- XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX -- This one had ( XXXX ) hits XXXX. XXXX XXXX XXXX Please remove these inquiries from my Credit Report. I did not authorize any of these. I have put a freeze on the Credit report with all XXXX ) credit Bureaus,

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 2025-04-16 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: IL

Complaint narrative:
I was enrolled in a forbearance program with XXXX ( XXXX XXXX ) due to XXXX XXXX and resumed payments as agreed. Despite this, they inaccurately reported XXXX consecutive late payments, XXXX, XXXX, XXXX, and XX/XX/XXXX, while I was still under the approved forbearance. This directly violates XXXX XXXX of the CARES Act, which states that any account that was current before entering forbearance must continue to be reported as current throughout the relief period. 

To make matters worse, the reporting itself is inconsistent and shows clear error : the third and fourth months ( XXXX and XXXX ) are marked only as XXXX days late, which makes no sense, those should be showing as XXXX and XXXX days late if they were truly unpaid. This contradiction alone highlights how inaccurate the reporting is. 

Ive been a loyal XXXX cardholder for XXXX  years with a perfect payment history. To be penalized like this during a national emergency is not only unjust... its ludicrous. From XX/XX/XXXX through XXXX, I have made multiple attempts to correct this. I submitted letters, spoke with upper management, and even contacted XXXX XXXX office, spending hours trying to resolve this. I was also battling a serious health crisis during that time, and still acted responsibly by entering the forbearance agreement and honoring its terms. 

This type of reporting is not only in violation of the CARES Act but also falls under COVID related credit reporting abuse, which the Consumer Financial Protection Bureau ( CFPB ) has warned creditors against. The FCRA holds data furnishers accountable for accurately reporting consumer data, and XXXX has failed to comply with those standards in this case. 
Sincerely, 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