vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Judgment Acquisitions Unlimited Inc
State: CT

Complaint narrative:
debt collection agency { JUDGEMENT ACQUISTIONS UNLIMITED } called my mother threatened her so she would give up my phone number to them. i called them and XXXX XXXX of there fine agents proceeded to call me an XXXX and threatened me repeatedly with jailtime and legal action.

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 2025-04-08 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: MI

Complaint narrative:
Addresses on my credit report that I did not authorize to be on there and some of the information is invalid due me not even resident at the address.

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 2025-04-08 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/year>

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax for reporting an incomplete and inaccurate version of my residential address. My correct and complete address is : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. However, Equifax is currently reporting it incorrectly as : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. This misrepresentation of my address is not only misleading but also poses a risk to my identity verification, credit processing, and overall data accuracy. The error may appear small, but partial or improperly formatted address information undermines the integrity of my consumer file and can lead to unnecessary issues or delays when applying for credit, housing, or employment. Under the Fair Credit Reporting Act, Equifax is required by XXXX XXXX. XXXX ( b ) to ensure the maximum possible accuracy of the information they report. Additionally, reporting a falsified or altered version of my address without my authorization may violate XXXX XXXX. XXXX, which governs the permissible purpose of reporting consumer data. I am demanding that Equifax immediately update and correct my address to reflect the accurate and verified version provided above and permanently remove the incorrect version from my file. I expect this matter to be resolved without delay and to receive written confirmation once my credit file has been properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXXXXXX Account XXXX : XXXX Opened : XX/XX/XXXX | Balance : {$0.00}

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 2025-04-07 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: WA

Complaint narrative:
i have called XXXX for USBANK Reliacard, washington state unemployment benefits card. I was told repeatedly to go onto verify.usbank.com/id to follow the process. I have attempted this many many times, and called the number and went through the initial account verification, then the human asking the same verifying questions, and been directed only back to this unworking website. 

I needed my finances months before and was attempting to pay bills and necessities. I have spent many hours on this and am experiencing late fees and much stress. 

If you already sued them for this during the pandemic, I don't see how nothing has changed. Please help.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2025 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as my formal dispute regarding inaccurate and unverifiable information contained in my LexisNexis consumer file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of the following inaccurate information from my file.

Per FCRA Section 602 ( a ), the purpose of the Act is to ensure accurate and fair credit reporting. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into these inaccuracies, and under FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), LexisNexis must maintain reasonable procedures to ensure maximum possible accuracy. 

Disputed Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Disputed Addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Disputed Phone Numbers : XXXX XXXX XXXX Disputed Email Addresses : XXXX XXXX Dispute of Education Records : Please remove all education records listed within my consumer file, as they are inaccurate. 

Dispute of Insurance Policy Records : First Acceptance GA Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute of Automobile Insurance Claim Record : Claim Number : XXXX I request that these items be investigated, and if you can not verify their accuracy and completeness within the time allowed by the FCRA, they must be deleted from my file. 

Please provide me with the results of your investigation in writing and provide me with an updated copy of my LexisNexis consumer file reflecting the corrected information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: LA

Complaint narrative:
Ok so i was with PNC bank for only XXXX months, mind you i lioove in XXXX, LA and if you look on the map there is no PNC bank located near me. The nearest Bank was XXXX TX. So i ended up answering an advertisment. They had a promotion going on for a checking account. It was new sign ups get a {$200.00} bonus after your make a deposit of an amount larger than that. I used this account for 5 months and then i eneded up cahgning my account and bank becasue PNC bank overdraft fees are {$45.00} each time you swip.The ycharged my account also in guessing let fees build up and now i have XXXX letters stating i owe {$170.00} and the other {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Revolving line of credit was converted into an installment account & is inaccurately reporting as a closed revolving line of credit that is updated monthly reflecting the current balance of the installment account

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 2025-04-07 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: MI

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

XXXX XXXX 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 2025-04-07 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

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 2025-04-08 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$1100XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00}

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 2025-04-07 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: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX made landfall on XX/XX/XXXX in XXXX Texas. As a results, I did not have power for days and suffered damage in my home. I called XXXX XXXX and asked if they were offering payment deferments for their customers affected by the hurricane. I was told yes, after being approved for the deferment. I was told the account could no longer be used. They reran my credit and stated the account would be closed. 

Ive disputed with Experian several times because this account is NOT reporting accurately. However, their investigation came back as accurate. 

As of XX/XX/XXXX, per my XXXX and Experian credit report, Upgrade states the account was petitioned for Bankruptcy in XXXX and sold to XXXX. 
Which is NOT accurate. 

I called XXXX XXXX at XXXX XXXX on XX/XX/XXXX to get an understanding as to why its reporting as such because they closed the account after approving me for the disaster relief payment deferment. XXXX XXXX collection agency stated they can not see into my account because it was sold to XXXX. I was told I needed to call XXXX. 

I called XXXX at the number ( XXXX ) supplied by XXXX XXXX,. I spoke to representative for XXXX and they stated they do not have any accounts under my social security number. 

If the debt was sold to XXXX and the account was apart of a bankruptcy, why are they still attempting to collect funds on their account?

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 2025-04-07 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation