vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
My information was exposed and used due to a Rhode Island Department of Human Services Date Breach.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
My information was exposed and used due to a Rhode Island Department of Human Services Date Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Nelnet, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same.

Under 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Did I give your company permission to transfer my information to another company? No.

Under 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You have violated my consumer rights. 

The information is inconsistent over XXXX, XXXX, and XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 
Thanks in advance. 
Account Number : XXXX The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls multiple days during the week. They also call from multiple different numbers when calling. I do not answer these numbers as I have no accounts in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I disputed the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit reports and each credit bureau did something different. I attached my credit report to reflect the inaccurate information. These accounts need to me closed and deleted immediately.

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 2025-03-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, my business credit card with Capital One was unexpectedly restricted without any prior notice, preventing me from using the card. This card is used for all of my business transactions, and the sudden restriction has caused bounced payments and incurred fees, negatively impacting my business operations. 

I immediately called Capital One at XXXX PM on the same day and was on the phone for 42 minutes. During the call, I was told that the restriction was due to a need to verify my business ' EIN and that I had to fax supporting documents. The issue was not the verification itself, but the lack of communication from Capital One. I did not receive any email, online message, or mailed notification that documentation was required.

When speaking with the representative on Thursday, they initially claimed that the request was mailed, then changed their story and said it was posted on the online portal, and finally claimed that it was emailed. I received none of these notifications. This misinformation and miscommunication made the situation worse and caused unnecessary delays. 

I faxed the required documents on Thursday, and followed up on Monday, XX/XX/year>, at XXXX AM, only to be told that there is nothing they can do, and I would need to wait 10 days for the verification process. Throughout this process, I have experienced a lack of urgency, transparency, and empathy from Capital One.

The combination of poor communication, conflicting information, and the sudden restriction of my business card has caused financial and operational harm to my business. I am requesting that this matter be investigated and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I was enrolled in a USAA hardship program for my credit card account, which led to the account being closed. The program ended in XX/XX/XXXX without clear notice, and my minimum payment increased from {$120.00} to {$550.00} per month, an unmanageable amount based on our financial situation. 

Since the program ended, Ive made multiple attempts to resolve this with USAA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was transferred between departments with no resolution, held on the line for 20+ minutes, or disconnected. In one instance, an agent claimed he was contacting a supervisor but instead transferred me to a department that had no record of my issue. Despite repeated outreach, no one could explain the drastic payment increase or offer a sustainable plan. 

After filing a complaint with the XXXX XXXX XXXX I was contacted by the CEOs office and finally spoke with someone today ( XX/XX/XXXX ). However, they offered no real assistance and simply routed me back to the departments I had already tried to contact. Ultimately, I was finally connected to the member debt solution department, which offered a long-term hardship program at $ XXXX for 60 months at a 2 % APR. While the interest rate is appreciated, the monthly payment remains unaffordable. 

I want to pay back this debt. It is mine to owe, but I do not understand how USAA can expect such a high monthly payment with almost no meaningful reduction in the payment structure. I have made clear that my XXXX XXXX XXXX XXXXXXXXXXXX XXXX who can no longer work due to a job-related injury, and we now live on a significantly reduced income. 

USAAs only option was to take it or leave it. There was no escalation path, no appeal process for a lower payment, and no flexibility. This approach fails to account for the immediate financial hardship these high payments cause and contradicts USAAs public claims of supporting military families.

I believe USAAs actions may violate the Fair Credit Billing Act and CFPB regulations regarding transparency and fair treatment during financial hardship. I am also exploring my rights under the Servicemembers Civil Relief Act. I remain willing to work with USAA in good faith, but so far, they have not offered any viable path forward.

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 2025-03-24 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: MO

Complaint narrative:
Upon reviewing my Experian credit report, I noticed several unauthorized hard inquiries from the following companies : XXXX XXXX XXXX  on [ XXXX, 2024 ] XXXX XXXX XXXX XXXX on [ XX/XX/year> ] XXXX XXXX  on [ XX/XX/year> ] XXXX XXXX on [ XX/XX/year> ] I did not apply for credit with any of these companies and did not authorize them to pull my credit report. I only submitted one credit application in [ insert month/year ], and I was not informed that multiple companies would be accessing my credit file.

These inquiries were not disclosed to me at the time of application, and I believe they were made in error or without my permission. I am concerned about the impact these unauthorized inquiries have had on my credit score and creditworthiness.

I am requesting that these inquiries be removed from my credit report immediately and that the companies involved provide an explanation and confirmation that no credit accounts were opened in my name as a result.

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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
The business of XXXX is cryptocurrency trading. 
XXXX has all my personal information such as photo, XXXX  of IDs, mailing address in NON-encrypted format. Once hacker access to the account holder, he can do real damage. 

Incidence happened XX/XX/year>, when I logged in account around XX/XX/year>, I found out that someone sold all of my bitcoin, and withdrew all money to his account. 
And then he proceeded transferring money from " my XXXX  XXXX XXXX '' account using " XXXX '' online transaction. And then he bought " XXXX '' ( another cryptocurrency ) I reported to Kraken.com immediately. 
After a week, XXXX says that they don't know where money went, and they need to liquidate my account, and closed my account. 
Inside job can be easily done. 

I reported to local XXXX police about the incidence. But I realized that XXXX XXXX office is nowhere to be found in XXXX. ( it also lists multiple worldwide locations, but I'm sure it's fake ) After the incidence, I ran antivirus/malware, nothing came up. I found out that this company has big history of data leak also when I was running antivirus sofware on their site. Image attached. The resolution that they took for reporting fraud convince me even more than before that this must have been inside job.

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 2025-03-24 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-24 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 discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accounts were closed and not removed from my credit report. Accounts include XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Accounts are no longer valid. Accounts are closed and not removed from my report. Please remove from my credit.

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 2025-03-24 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-24 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: CA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be XXXX XXXX  accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IN

Complaint narrative:
I am a XXXX of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation