vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
They randomly closed my account and wont tell me why or whats the reason. I cried my eyes out cuz I get paid in 2 days and have no idea whats gon na happen with my paychecks. They just told me theyre closing it because of fraud but it was nothing fraudulent going on. Nobody will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my 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 2025-02-03 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:
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 2025-02-03 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:
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 non-monetary relief
Consumer complaint received 2025-02-03 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 2025-02-03 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} SELF / LEAD Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Hard Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX MODEL FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  SER XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX XXXX CARD XX/XX/XXXX SYNCB/XXXX  PLCC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-02-03 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: PA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of today ( Monday XX/XX/year> ) there have been XXXX accounts, purchases attempted by the thief. First being an XXXX XXXX XXXX XXXX XXXX XXXX  store, second being a XXXX XXXX XXXX credit card account and third being a Neiman Marcus Capital One credit card. I received an email at XXXX EST on Saturday XXXX from XXXX regarding the purchase and called the location immediately. They claimed that all ID 's are scanned so the thief must have matched his photo to my information. For the Neiman Marcus account, a sales rep sent me a text on Sunday XXXX at XXXX EST confirming she would put XXXX XXXX  on hold for me. I called her back and warned her of this fraudulent situation. I am unsure if there are any other purchases or accounts that have been opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
Your Name : XXXX XXXX Date : XXXX XXXX Description of the Identity Theft Incident : I am a victim of identity theft, which I believe is connected to a recent data breach involving Equifax XXXX XXXX XXXX. The breach occurred on or around XX/XX/year> during which my personal information was exposed. 

As a result, my personal informationincluding [ list the compromised information, e.g., Social Security Number, financial account details, drivers license number, etc. ] has been misused without my consent. 

Details of the Fraudulent Activity : On XXXX discovered nearly XXXX account opened and misused without my knowledge. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have taken the following steps to address the identity theft : 1. Contacted creditors, banks, or agencies to report and dispute the fraudulent activity.

2. Placed fraud alerts and/or credit freezes with Equifax, XXXX, and XXXX. 

Impact on Me : This identity theft has caused financial loss, damage to my credit score, and emotional distress. I have spent significant time addressing these fraudulent activities and ensuring my information is protected.

Requested Actions : I request that the FTC assist in investigating this matter, providing resources to further safeguard my identity, and ensuring the fraudulent activities are removed from my record. 

Please feel free to contact me at XXXX or XXXX if you need further details or supporting documentation. 

Signature : XXXX XXXX Once completed, this statement will provide a clear summary of your situation for the FTC. Be sure to include any supporting documents or evidence when filing your report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
I am writing to formally request an investigation and validation of all the negative accounts currently reported on my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct a proper and thorough investigation into disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable, inaccurate, or incomplete information must be promptly removed from my credit report.

I hereby demand that you provide verification, including the wet ink signature on any alleged agreements with creditors or collection agencies that have reported negative information against my credit report. If these accounts can not be validated with proper documentation, including my original signature, you are lawfully required to delete them from my credit report immediately.

Furthermore, under 18 U.S.C. 894, any attempt to collect an alleged debt without valid proof, including extortionate credit transactions, is a federal offense. Reporting unverifiable negative accounts without adequate documentation and failing to conduct a lawful investigation may be deemed a violation of consumer protection laws. If the accounts in question are not validated with legally and lawfully sufficient proof, I demand their immediate removal.

Additionally, I request that my personal informationname, address, and contact numberbe corrected. 

I would also like to bring to your attention the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, XXXX, and XXXX, alleging that these agencies engaged in sham investigations, did not properly freeze accounts, and systematically violated their obligations under the Fair Credit Reporting Act ( FCRA ). This legal action further underscores the necessity of complying with federal laws and ensuring that all reported information is accurate and fully substantiated. 

To facilitate the verification process, I am enclosing copies of the following : My government-issued identification card My Social Security card Proof of residency ( utility bill, bank statement, or lease agreement ) I expect a formal response within 30 days as required by the FCRA. Failure to comply with this request will leave me no choice but to seek legal recourse, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

I look forward to your prompt resolution of this matter. Please provide all requested documentation in writing to my address above. 


Accounts associated with disputes 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

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 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 2025-02-03 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: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information on my credit reports with Equifax, TransUnion, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA entitles me to dispute incomplete or inaccurate information on my credit reports and requires credit reporting agencies to correct or delete any information they can not verify. I have identified the following erroneous accounts on my credit reports, which must be removed These inaccuracies are in direct violation of the FCRA, which mandates that all items reported on my credit reports be accurate and verifiable. The continued reporting of these erroneous accounts is causing undue harm to my credit score and financial wellbeing.

I have enclosed copies of my credit reports highlighting the inaccuracies, as well as supporting documentation that clearly demonstrates the errors. I kindly request that the CFPB enforces the following actions : Immediate investigation into the disputed accounts. 

Removal of the inaccurate information from my credit reports with Equifax, TransUnion, and Experian. 

Notification to me of the results of the investigation and subsequent actions taken, in compliance with the FCRA. 

Failure to correct these inaccuracies within the timeframe specified by the FCRA ( 30 days ) will compel me to pursue all available legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages in a court of law. 

Please confirm receipt of this letter and provide updates on the progress of your investigation. If you require any further information, do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : Account number XXXX XXXXXXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My primary bank changed operating system last year. XXXX returned payment for credit card. I manually corrected account information and paid account balances to XXXX  as I normally do. Capital one closed all of my accounts. Including a credit card not used since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 credit report and noticed accounts that was not reporting accurately. I noticed I have fraudulent activities on my account. Consumer reporting agencies need to report all information accurately. Im now requesting you remove all fraudulent accounts. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I FILE A DISTUPE WITH TRANS UNION ABOUT ACCOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX HARD INQUIRES. WITH XXXX XXXX XXXX I FINANCE A CAR FROM THEM I WAS CAR JACKED MY INSURANCE PAID IT OFF XXXXXXXX XXXX GAVE ME A LEIN RELEASE AND TRANS UNION HAS NOT REMOVE THE XXXX DOLLAR DEBT. WITH XXXX XXXX THEY REPERSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER 4 YEARS I GOT EVICTED JUDGE SAID I OWE XXXX XXXX REPORTED XXXX I SENT JUDGEMENT TO TRANS UNION TO UPDATE TO XXXX THEY REFUSE. I SUED XXXX AND THEY FORGAVE ME FOR THE WHOLE BALANCE AND ASK XXXX TO REMOVE BALANCE TRANS UNION SHOULD HAVE DONE IT FIRST I HAVE 4 BRANKRUPITES REPORTING DISMISSED I ASK THEY BE REMOVE TRANS UNION HAS REFUSE I HAVE 4 HARD INQUIRES THATS NOT MINE I FILE POLICE REPORT TRANS UNION HAS NOT REMOVE I FILE LAW SUIT AGAINIST TRANS UNION XXXX AND XXXX FOR VIOATION OF FAIR CREDIT ACT I HAVE SETTLE WITH XXXX AND XXXX THEY HAVE REMOVE ALL ITEMS AND PAIDED ME XXXX A PIECE CASE NUMBER IN FEDERAL COURT XXXX TRANS UNION HAS NOT DID ANYTHING THEY ATTORNEY XXXX XXXX AND XXXX XXXX HAS INGORE ME AND HAS LIED TO ME THIS IS MY SECOND TIME SUING TRANS UNION U GUYS HAVE FINE THEM FOR MISLEADING MARKTING CREDIT SCORES HAD THEM PAY PENATIES FOR REPORTING EVCTIONS WRONG WHICH IS SOME MY LAW SUIT I NEED U GUYS HELP THEY DO NOT RESPNDED TO ME.

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 2025-02-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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