vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-03-22 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: OK

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-03-22 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: FL

Complaint narrative:
My report has been used without my consent. My report is currently frozen and someone has been attempting to open accounts under my name.I need these inquiries to be removed as soon as possible and they are a hindrance in my life. Please see there is also a company that shows on my report that I believe is the one using my credit. The company name is XXXX XXXX XXXX XXXX. Also the social security showing in the credit reporting agencies is not mine either. If these inquiries are not removed, I need supporting documentation from you as to why not so I can take legal action. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
My report has been used without my consent. My report is currently frozen and someone has been attempting to open accounts under my name.I need these inquiries to be removed as soon as possible and they are a hindrance in my life. Please see there is also a company that shows on my report that I believe is the one using my credit. The company name is XXXX XXXX XXXX XXXX. Also the social security showing in the credit reporting agencies is not mine either. If these inquiries are not removed, I need supporting documentation from you as to why not so I can take legal action. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint due to the mishandling of a charge-off account associated with my business by American Express XXXX Despite my consistent efforts to resolve this matter directly with American Express since XXXX XXXX XXXX, the issue remains unresolved. 

Issue Summary : 1. Failure to Issue 1099-C : American Express has not provided me with a Form 1099-C, even though the debt was charged off and remains under their ownership. 
I have not received any written notification or documentation confirming the cancellation of the debt or explaining why a 1099-C was not issued. 
If the debt has been forgiven or considered canceled, I require clarification as to why the form was not issued and reported to the IRS as required by law. 
2. Improper Reporting to Personal Credit Report : The account in question was established under my business name. 
Despite being a business account, American Express is improperly reporting the charge-off under my personal credit report, causing unjustified damage to my personal credit. 
I am requesting a clear explanation from American Express as to why this business account is being reported under my personal credit instead of my business credit. 
Additionally, I am requesting this incorrect reporting be corrected and removed from my personal credit report immediately. 
3. Failure to Provide Proof of Ownership : I have repeatedly requested documentation proving American Expresss ownership of the account, along with confirmation that the debt has not been transferred or sold to another entity.

American Express has failed to provide any agreements, contracts, or documentation proving that I am personally liable for this business account.

4. Failure to Provide Complete Documentation : American Express has not provided a complete account history or communication logs related to this charge-off. 
I am requesting a detailed account history, including all transactions, communication attempts, and any internal notes related to the issuance of a 1099-C or reporting of this account.

Requested Resolution : I am requesting American Express to : Provide a valid explanation as to why this business account is being reported under my personal credit report and to correct this reporting error immediately.

Issue the Form 1099-C if the debt has been canceled or provide a valid explanation as to why it was not issued. 
Provide documentation verifying their ownership of the account, including all relevant agreements, contracts, and communication records. 
Provide a complete account history, including payment records, transaction logs, and evidence of all communication attempts. 
Confirm if this matter has been reported correctly to the IRS if applicable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX  opened on XX/XX/XXXX, a credit account with XXXX opened on XX/XX/XXXX, another credit account with XXXX opened on XX/XX/XXXX, a credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, a credit card account with XXXX  opened XXXX XX/XX/XXXX, an auto loan with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX & XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX  opened on XX/XX/XXXX, a collection account with XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXXXXXX XXXX opened on XX/XX/XXXX, another collection account with XXXXXXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX  opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I am filing this complaint because my credit file contains accounts that are being reported without proper authorization. Despite submitting multiple formal disputes, the credit bureau has failed to conduct a reasonable investigation or provide proof that I agreed to have these accounts reported. 

The accounts in question include : XXXX XXXX ( XXXX ) Account Number : XXXX closed with late payments XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX closed by the bank XXXX Account Number XXXX-closed by the XXXX  XXXX XXXX XXXX- Account Number XXXX unfair charge off account XXXX XXXX XXXX collection account with a supposed balance of {$200.00} These entries were added to my report without my knowledge or proper disclosure. Under FCRA 15 U.S.C. 1681b, there must be a permissible purpose for reporting this information, and under 1681g and 1681i, the bureau must provide verification or delete unverifiable data. 

To date, they have not provided any contract or document showing I consented to these accounts being included in my report. Meanwhile, these errors have caused credit denials, increased interest rates, and unnecessary financial stress. 

I believe this is a clear violation of the Fair Credit Reporting Act and related consumer protection laws.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase/JPMorgan had locked me out of all my accounts. I had checking, investments, and retirement accounts in their bank. This all happened on or around the new year XXXX I'm tired of it. Because when it happens ( not the first time ) you have to call the bank. The person on the other line ( after pressing XXXX, & XXXX ) doesn't quite understand the problem. So they look up your account to try and understand. This is just the beginning of the nonsense. 
The CEO of this bank doesn't seem to have a clue. And after doing some research, I've learned his gross income is about $ XXXX. For what? For that kind of money- they want Me to speak to an advisor? I think the CEO needs to speak to an advisor! One final note I almost forgot. I did speak to their advisor. All he wanted me to enroll in a life insurance policy. I told him ten times I already have XXXX XXXX XXXX policy. And I enrolled in this plan as a small boy ( self-employed ) performing tasks for an insurance agent. Age XXXX. And the policy is paid off and in my possession to this day. Thanks for listening!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this dispute regarding an account ending in XXXX, which was associated with PNC Bank. This account was paid ; however, it continues to appear on my credit report. At the time of payment, I was explicitly assured that the account would be removed from all three credit reporting agencies. Unfortunately, this has not occurred, and the account 's continued presence has negatively impacted my ability to secure loan approvals. 

Upon reviewing my credit report recently, I was disappointed to find this account still listed. I respectfully request that PNC Bank honors the commitment made at the time of payment and ensures that this account is promptly removed from all three credit bureaus. 

I trust this matter can be resolved swiftly to prevent further inconvenience or harm to my credit standing. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
Issue : Problem with a companys investigation into an existing problem What Happened : I am submitting this complaint due to Experians repeated failure to remove an inaccurate and unverified account from my credit report, despite multiple prior disputes over the past several months. 

The account in question is : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX Status : Charge-off Reported Past Due Amount : {$11000.00} Last Updated : XX/XX/XXXX Experian continues to report this account as charged off with 9 potentially negative months, severely damaging my credit profile. I have disputed this account on at least three separate occasions, requesting verification of the debt, including signed contracts or documentation proving I opened the account. To date, Experian has failed to provide any such evidence. 
Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) : Experian is required to verify disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) : Any information that can not be verified must be deleted.

15 U.S.C. 1681e ( b ) : Experian must maintain maximum possible accuracy. 

Despite these legal obligations, Experian has failed to verify or remove the XXXX account, nor have they provided any evidence that I authorized or opened this account. Their failure to act is a clear violation of 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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
The car was repossessed XX/XX/XXXX I paid the money to get the car back, but before doing so they change the title and plates over to the dealer name ( XXXX  ) never placed the car back in my name. I never knew about this process now the plates are expired and I cant get valid plates on the car. I cant drive the car and it can be towed any day in my apartment complex due to not being registered. I have to take XXXX  to work and school and they keep calling for a {$420.00} payment on the car note when they keep lying like they gone send me the papers out to register the car then keep threating to take the car if I fall behind payments. which I stated I just paid {$970.00} and will not be making another payment until I can drive the car. This has caused so much stress on me I cant even take my kids to school I have to pay delivery service to deliver groceries this company needs to do better I need the piece of paper to get valid plates and keep saying when they send it out I have to mail it back then they XXXX party vendor work with the state to register the car. also not knowing how long that will take which means whenever they send the paper out I still have to wait at least another 2 to 3 weeks to register the vehicle on top of me buying this vehicle in XX/XX/XXXX and a lot of the features didn't work and the transmission had problems and I just paid {$9000.00} for a brand new transmission and I still cant drive the car because they wont put the car in my name over a piece of paper they lied and said they sent out or will be sending out I heard 6 different stories I supposed to had the form as of Thursday XX/XX/XXXX still haven't been sent out I'm going to get a lawyer to look at this because this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: TN

Complaint narrative:
THERE WAS AN AUTO ACCOUNT OPENED UNDER MY PERSONAL NAME AND SOCIAL SECURITY NUMBER FOR THE AMOUNT OF {$38000.00} ON XX/XX/year>. I REACHED OUT TO THE COMPANY FOR MORE INFORAMTION ON HOW THE ACCOUNT WAS OPENED AND SOMEONE USED MY INFORMATION TO OPEN IT WITHOUT MY CONSENT.

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