vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-03-31 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These accounts are XXXX XXXX XXXX, located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XXXX, XXXXXXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person.

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 2025-03-31 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: FL

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 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 2025-03-31 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Sunday, XX/XX/XXXX Target credit card opened without my authorization Balance of XXXX $ Contacted target fraud department to close account Froze credit through all XXXX and disputed Hard Inquiries made through XXXX Credit Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: FL

Complaint narrative:
Theres and account on my report that I dont know of or did not open, and its hindering my credit. This has been an issue since 2022 and Im just now noticing. There has been an account open on my credit profile XXXX XXXX XXXX XXXX XXXX. Saying that I have a charge off for the amount of {$390.00} but Ive never opened the account. I would like for this to be resolved by permanent deletion from my credit report. 

Account : XXXX XXXX XXXX  XXXX XXXX Charge off Amount : 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 2025-03-31 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-31 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: SC

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

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 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IA

Complaint narrative:
I purchased a 2025 XXXX XXXX new in XX/XX/year>. Financed through NMAC. I recieved my initial loan documents and downloaded the application to manage my account. Created profile, logged in, and was watching the main dashboard for a few weeks. 

During this time, it showed a payment due on XX/XX/year> but total due as {$0.00}. Today I logged on and it showed the same. 

I had a recollection of the dealership mentioning initial payment in XXXX, so I called to be certain. ( Better safe than sorry ). The man on the phone confirmed the statement showed a balance due of {$780.00} and agreed he was seeing the same thing I was in the app, total due {$0.00}. 

I advised that I was concerned because had I not called i would've trusted the app and missed my payment. He stated that the app is " always wrong ''. He stated this is a known issue. I advised I was concerned that my payment wouldn't be applied properly because the app shows total due as {$0.00}. He had to place me on hold. When he returned, he told me he didn't know, but to just put in the payment for what I wanted to pay. 

I told him to escalate this as theyre noncompliance with FCRA and he said something to the effect of there's nobody to tell and nobody to help with it. 

I am furious- their mistake could have cost me my credit, my transportation or more. Because of their app showing XXXX $ due, i also made a payment to something different and am now in a precarious position to make this payment timely. Im lucky to have called but an investigation is needed to figure out how many people have been harmed by this application. How many late fees? How many repossessions? This is poor business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

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 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 2025-03-31 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: CA

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 2025-03-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent 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 explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX, if you require any further information. 

Sincerely, 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 2025-03-31 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:
I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX, if you require any further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I reported my credit as being fraud and accounts open in my name complies wont allow me to dispute and constancy keep calling

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 2025-03-31 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've reached out for Several months trying to get information on my credit report corrected!? XXXX reached out to All three credit Bureaus writing certified letters. Sending these Bureaus the only one the complied is XXXX!? TransUnion still reporting inaccuracies on my Outdated report no changes have been made. Equifax has breached my information I received a XXXX XXXX from them cause of that but they're still reporting inaccuracies. My report hasn't been updated, I have multiple names on both Bureaus report, multiple addresses and jobs that I didn't authorization to put that on here. Under 15UscI681 ( a ) 1- 30 day response 2. 15Usc1681I ( a ) 6 ( b ) 3- that's the Investigation protocol 3. 15Usc1681I ( a ) ( 5 ) B- reinsertion protocol 4. Usc1681 ( o ) - negligence non compliance XXXX 2024 is long enough for the Bureaus to comply. I've sent ID, letters with current address on it and they still report wrong informationXXXX XXXX was Closed/Charged off as a bad debt sold it to Conserve, under Usc1681 ( c ) now both creditor and Collection Agengy is reporting 15Usc1681q obtaining information under false pretenses. XXXX XXXX XXXX. I've Never had an account with this company # XXXX XXXX account under 15Usc1692 ( g ) I don't own this debt. XXXX XXXX closed/ Charged off.under 15Usc1681 ( c ) 2 I want it deleted. XXXX was a paid charged off I want it deleted. XXXXXXXX XXXX XXXXXXXX are the same but reporting like it's 2 two different companies this under 15Usc1692e false and misleading information I want both deleted.I want all addresses removed off my report except current address multiple names removed off my report too. XXXX XXXX Closed/Charged off under 15Usc1682 ( c ) 2 I want it deleted. These companies and Bureaus are still reporting please remove what I've stated.

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