vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have disputed a charge with capital one against XXXX XXXX for XXXX dollars. I was suppose to hand in the document for the dispute and when I tried to upload the document and thought it attached but it did not because the site was having some technical issues. I was going to follow up but I became very sick and was diagnosed with XXXX  XXXX and was at risk for getting XXXX. When I called customer service they told me to reattach the letter which I did. Then I got an email saying customer service could not do anything. I think this is not cool because I was sick and I also made an effort to follow up and provide the correct documentation. Capital one is also charging me a late fee and finance charges for this purchase. I have written confirmation from the company that they would refund me the money and capital one is not doing anything to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am extremely frustrated with the ongoing errors on my credit report, which have severely impacted my financial stability and creditworthiness. These inaccuracies, including fraudulent accounts and transactions that I have never been associated with or benefited from, continue to harm my ability to move forward. Despite reporting this issue to the Federal Trade Commission, these items remain on my report, causing unnecessary stress and preventing me from achieving financial independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXXXXXX XXXXCCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/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 2025-03-11 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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report.

As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 )XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have tried serval times to reach paypal, to find out why my bank account information was deleted, when i use it to make payments. I have never been late with my payments and was charged a {$41.00} late fee, because they deleted my account, that I use to make payments.

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 2025-03-11 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: CT

Complaint narrative:
Subject : Credit Report Dispute Inaccurate Account Information To Whom It May Concern, I am disputing the following accounts on my credit report due to inaccurate reporting : 1. XXXX XXXX ( Account # XXXX ) Balance : XXXX 2. XXXX XXXX XXXX XXXX  ( Account # XXXX ) Balance : XXXX These are the accounts that I have marked innacurate

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 2025-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$290.00} XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I am filing this complaint regarding an inaccurate item ( s ) and inquiries on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$290.00} XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I am filing this complaint regarding an inaccurate item ( s ) and inquiries on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 2025-03-11 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: CT

Complaint narrative:
I had fraudulent loans put into my name that damaged my credit. Experian said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a XXXX. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account 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
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX 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, 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 a rental account opened up at XXXX XXXX on XX/XX/XXXX. XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-03-11 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: CO

Complaint narrative:
I expect Experian to conduct a thorough and immediate investigation into these fraudulent discrepancies and to permanently remove these unauthorized accounts. These fraudulent accounts were opened in my name without my knowledge and continue to cause irreparable harm to my personal integrity and financial standing. Pursuant to the FCRA, credit reporting agencies are legally obligated to block fraudulent information within four business days of receiving proper documentation. It is evident that Experian has failed to comply with this federal mandate. 
Fraudulent Accounts : XXXX XXXX # XXXX 1. Balance : {$9200.00} 2. Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$500.00} 2. Open Date : XX/XX/XXXXXXXX  Based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for conducting " sham investigations '' and improperly reinserting deleted information, I have serious concerns that Experian failing to fulfill its obligations under federal law. Your inaction and failure to rectify these fraudulent entries have already had a significant negative impact on my ability to obtain credit. I DEMAND that Experian conduct a comprehensive and lawful investigation into these disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts substantiating the legitimacy of these fraudulent entries, and immediately and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I am experiencing XXXX  distress as a direct result of your failure to act in accordance with the law. Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. 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
Consumer complaint received 2025-03-11 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report. 
As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
is a fraudulent entry and does not accurately reflect my financial history. According to the law, if any information on my credit report is found to be inaccurate or unverifiable, it must either be corrected or removed from my report. 
As per 15 U.S.C. 1681e ( b ), I am entitled to have my credit report accurately reflect my true credit history, and under 15 U.S.C. 1681i ( a ) ( 5 ), CAPITALONE XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
I RECNTLY REVIEWED MY CREDIT REPORT AND NOTICED I HAVE SOME FRAUDULENTS ACCOUNTS. PLEASE REMOVE THESE FRAUDULENTS ACCOUNTS.

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 2025-03-11 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: OH

Complaint narrative:
I RECNTLY REVIEWED MY CREDIT REPORT AND NOTICED I HAVE SOME FRAUDULENTS ACCOUNTS. PLEASE REMOVE THESE FRAUDULENTS ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am submitting this complaint to formally challenge the inaccuracies in my credit report and demand compensation from Experian for its ongoing violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further substantiated by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes Experian 's failure to properly investigate consumer disputes and its unlawful reinsertion of erroneous information into credit reports. Below, I have detailed the specific inaccuracies that must be promptly corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate or incomplete information on my credit report. I have recently reviewed my credit profile and noticed that certain information, which should be reflected in my credit report, is not showing up.Despite being present in my credit profile, the following information is either missing or incorrect in my credit report : such as credit card accounts, loan history, or payment records.I have verified this information with the respective creditors or financial institutions, and they have confirmed that the data should be reported. However, this discrepancy is causing an inaccurate representation of my credit history and could potentially harm my credit score.I have attempted to resolve this issue by contacting the credit reporting agency, but I have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
The whole credit report from Experian is wrong, fraud, manipulative. XXXX XXXX  won't let create a bank account because Experian sent a negative ORDEN. 
I have never buyed a single article thought credit. 
I do work for the government. 
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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditors Name ] [ Creditors Address ] Subject : Goodwill Request for Removal of Negative Reporting Dear kick-off I hope you are doing well. I am writing to request a goodwill adjustment on my credit report regarding account XXXX which reflects late payments/charge-off/collection. 

Due to hardship, job loss, medical issues, financial struggles, I was unable to meet my financial obligations at the time. However, since then, I have worked hard to rebuild my credit and maintain timely payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation