vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
I am filling 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 that 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. 2025-CFPB-0002 ) 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.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear CFPB, I am filing this complaint due to gross inaccuracies in my credit reporting that have resulted in severe financial harm, including excessive interest charges, wrongful loan denials, and ongoing financial hardship. These errors have artificially lowered my credit score, preventing me from obtaining fair credit terms.

Key Issues : Inaccurate Reporting of Account Details : Account Balances & Payment History : Loan balances are inflated, and on-time payments are misreported as late.

This misreporting has led to higher interest rates and unjust loan denials.

Negative Accounts : Two negative accounts appear incorrectly or are unverifiable and must be removed immediately.

A previously disputed and removed negative account has reappeared, violating FCRA compliance.

Credit History Length : My oldest account is reported incorrectly, shortening my credit history and unfairly lowering my score.

Resulting Financial Harm : Thousands of dollars in overpaid interest.

Denial of multiple loans, making it impossible to buy a car or a house.

Unwarranted fines and penalties.

Continuous mental stress and financial strain.

Previous Attempts to Resolve : I have repeatedly
disputed these errors with Equifax, Experian, and TransUnion, as well as contacted my creditors.

All efforts have been ignored or mishandled, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).

Immediate Actions Required : Remove all inaccurate negative accounts.

Correct account balances, payment history, and credit history length immediately.

Investigate and refund excessive interest charges and penalties.

Hold both credit bureaus and creditors accountable for failing to correct these errors.

Provide written confirmation that my credit report has been fully corrected.

Supporting Documents Attached : XXXX XXXX report showing incorrect information.

Loan statements, payment records, and loan denial notices.

Copies of dispute letters and unresponsive replies.

Correspondence with creditors.

Final Notice : I expect written confirmation from the CFPB within 15 days that all errors have been permanently removed and my credit report corrected.

If this issue is not resolved within 60 days, I will escalate the matter by filing a formal complaint with my State Attorney General, hiring a consumer protection attorney, and pursuing legal action for the financial and emotional damages incurred.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 don't know there to start, because It is so sad being victim of identity theft. My name is XXXX XXXX and I was out of USA around 10 years. I moved back to USA recently and after checking my credit reports was badly surprised. Scam artist theft my personal info from data breach and obtained fraudulent credit under my name. The fraudulent accounts are named as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a call with all companies, described the situation and asked to provide copy of original contract with my verified signatures, they could not do. Also, fraud account are opened under the addresses there I have never resided : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Please delete all the fraudulent information from my credit reports, because I am a victim of identity theft.

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 2025-02-02 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:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report starting with personal information EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
noticed unfamiliar inquiries on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Navy FCU XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2025-02-02 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2025-02-02 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 am reaching out because there are XXXX fraudulent credit card accounts on my credit report that I did not open. These accounts were opened in my name without my knowledge or consent, and I am requesting immediate action to remove them. 

The first account is a Bank XXXX XXXX credit card, opened on XX/XX/XXXX, under account number XXXX, with a high balance of {$2100.00}. 
The second account is another XXXX XXXX XXXXXXXX credit card, opened on XX/XX/XXXX, under account number XXXX, with a high balance of {$1100.00}. 

I want to make it clear that I did not apply for or authorize these accounts, and they need to be removed. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that EXPERIAN block these fraudulent accounts from my credit report within four business days of receiving this complaint. 

I have attached FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts are the result of identity theft. I have also included a copy of my credit report, highlighting the fraudulent accounts. 

Please confirm when these accounts have been removed, and let me know if you require any further information. I appreciate your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Name- XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, assetcare XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I get frequent calls at all hours of the day, everyday. When I ask what the call is about they want to know my private info. First. So I won't answer because it can be anyone. They call me from different XXXX area code numbers XXXX... XXXX... XXXX etc.. and the caller ID always reads " potfoliorecv '' they've been calling me for year 's!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
That is not mine, I never signed up with them or received any products.

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 2025-02-02 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: NC

Complaint narrative:
Name- XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, assetcare XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
Name- XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, assetcare XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize or obtain any goods or services from these companies. These accounts are fraudulent and do not belong to me and should be completely removed from my report on all three 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 explanation
Consumer complaint received 2025-02-02 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:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian 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 you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts, inquiries, and charges : Personal Credit Card Account : Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Auto Loan Account : Company or Organization : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$39000.00} Other Identity Theft-Related Account : Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX In addition, I am disputing fraudulent hard inquiries listed on my credit report from the following entities : XXXXXXXX XXXX These fraudulent accounts, and hard inquiries have been reported on my consumer credit file maintained by Experian and are the result of identity theft. I do not recognize these accounts or inquiries as legitimate, and they were not initiated, opened, or authorized by me. 

I have attached a copy of the FTC Identity Theft Report, case number # XXXX, as evidence that my identity has been compromised and that all the aforementioned consumer credit items are fraudulent.

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 2025-02-02 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 just recently took a look at my credit report and I noticed a bunch of fraudulent activity on it. Im sending an attached PDF file from the FTC to address this matter to be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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 just recently took a look at my credit report and I noticed a bunch of fraudulent activity on it. Im sending an attached PDF file from the FTC to address this matter to be deleted from my 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 2025-02-02 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: IN

Complaint narrative:
To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer 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 2025-02-02 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: IN

Complaint narrative:
To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize or obtain any goods or services from these companies. These accounts are fraudulent and do not belong to me and should be completely removed from my report on all three credit bureaus.

Company response to consumer: Closed with non-monetary relief