vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Charge off was to be update and or removed by kia finance. Amount showing incorrect along with days showing incorrectly. I spoke with a XXXX XXXX in their office who stated to me that paperwork was submitted to remove this due to me being on XXXX XXXX status no payments were late and vehicle was turned in XX/XX/year>. Kia auto sold vehicle without knowledge of anyone.

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 2025-01-10 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Experian Consumer Solutions XXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Va XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX TE XXXX, Fl XXXX XXXX Accounts in Collections XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Fraudulent Closed Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. To support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by

15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at w
hich point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-11 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: NC

Complaint narrative:
I recently discovered that my credit card information was stolen, and Ive contacted the relevant agencies, including XXXX, XXXX XXXX, XXXX, and XXXX XXXX after learning about their data breaches. Despite being part of a settlement for these breaches, the theft has had a significant impact on my credit score, which is now being negatively affected.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and the credit reporting agencies are required to investigate and correct any errors. The FCRA also mandates that consumer reporting agencies maintain accurate information and resolve disputes within 30 days.

I am taking all necessary steps to protect my identity and credit, and I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The money network told me someone had hacked into my account on XX/XX/year> and made two purchases for whop.com one for XXXX the other for XXXX I had a remaining balance of XXXX dollars that I have not received yet I think money network steals peoples money and needs to be investigated for criminal activity

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 2025-01-10 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There should only be one name and one address on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There should only be one name and one address on my credit report. 

XXXXXXXX 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Dad died ( XXXX XXXX XXXX ). His funds go to me upon death. I have not received them, and I have tried multiple times with no luck. Probably 20 visits to the branch, checking mail each day, emails, phone calls. Chase Bank has all the legal paperwork. I wait in their lobby, I have to take off work each time. My child is on tow, XXXX XXXX XXXX XXXX old each time. I could be using this money for hurricane Milton damage, this is ridiculous, that nothing is being done beyond the declass lost check form. Does it work on the tenth time the form is submitted? I had to follow up on another account too, but I did finally get the funds for that one. I talked to a couple other branch managers today at XXXX locations via the phone and they say just to deal with same branch. I have done that ... .that did not work. The problem I was told several times has also been escalated, whatever that means, because still no check. What isn't something else being done? What is this taking so long? Why is the same solution being done over and over, but getting zero results to resolve this? I do not know what else to do, but file this complaint and hire an attorney. I have copied my dad 's death attorneys on the letters I have written. Tomorrow, I also plan to write the corporate office in XXXX, as well as XXXX XXXX. I am going to keep going till this issue is resolved. I can't believe banks get away with this kind of treatment. Account number XXXX his dob. XXXX his ss XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-10 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: MI

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their return, nor have I received any correspondence about this through the mail.

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 2025-01-13 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: FL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
These Inquiries listed are unauthorized and fraudulent, as I did not authorize these inquiries.

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 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
A woman named " XXXX '' called from the number XXXX, and XXXX, and XXXX as well as XXXX. 

She called repeatedly from different numbers, then called all XXXX of my children and my spouse. XXXX XXXX ID said " XXXX XXXX ''. She left a Reference number, when I called the XXXX number and spoke to a man he claimed this was an old XXXX XXXX from XXXX from Americredit Financial. 

I asked for the name of their company and his name and he would not give it. I asked for written proof, he lied and claimed that because it was auto debt, he was not required to send that, he then lied and said that they have already mailed it numerous times, which is not true. I told him that this was time barred debt and that the Statute of Limitations in Texas is ( 4 ) years, he said that did not apply to auto loans, which is also a lie.

He said that I would be served legal papers for court and that we needed to come to an agreement before that happened, I hung up. 
Calling my entire family and telling multiple lies and threatening to sue for time barred debt is XXXX. XXXX XXXX just lost a $ XXXX lawsuit for this exact tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
Attention General Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. 

In Connection With CFPB Complaint : XXXX + XXXX + XXXX Case XXXX XXXX. In addition to transmitting misleading, confusing, or inaccurate dispute codes to furnishers, Experian also fails to always include relevant consumer submitted documentation with the XXXX transmitted to the furnisher, despite XXXX policy requiring agents to do so. Relevant consumer documentation often contains information that is not conveyed elsewhere on the XXXX, including probative evidence that supports the merits of the consumers dispute. As a result, Experian fails to provide the furnisher with all relevant information about the consumers dispute and fails to fulfill its reasonable reinvestigation obligations. 


I Have Enclosed Exhibits On XXXX XXXX XXXXXX/XX/year>, at XXXX XXXX  XXXX, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a XXXX XXXX had already been placed on my file, Experian inexplicably reinstated the fraudulent account.

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 2025-01-10 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: VA

Complaint narrative:
Attention General Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. 

In Connection With CFPB Complaint : XXXX + XXXX + XXXX Case XXXX XXXX. In addition to transmitting misleading, confusing, or inaccurate dispute codes to furnishers, Experian also fails to always include relevant consumer submitted documentation with the XXXX transmitted to the furnisher, despite Company policy requiring agents to do so. Relevant consumer documentation often contains information that is not conveyed elsewhere on the XXXX, including probative evidence that supports the merits of the consumers dispute. As a result, Experian fails to provide the furnisher with all relevant information about the consumers dispute and fails to fulfill its reasonable reinvestigation obligations. 


I Have Enclosed Exhibits On XXXX XXXX XXXX, at XXXXXXXX XXXX XXXX, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/scrub>XXXX XXXX XXXX after a XXXX XXXX had already been placed on my file, Experian inexplicably reinstated the fraudulent account.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Bank sent us credit cards we did not ask for, we are able to close them out by contacting Citi Bank

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