vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX NEXUS SAGE STREAM CORELOGIC ARS, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : 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 XXXX XXXX XXXX XXXXXXXX ). THESE ACCOUNTS WERE OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND INQUIRES ARE FRAUDULENTLY MADE WITHOUT MY AUTHORIZATION. PER FCRA 605B ( 15 U.S.C 1681c-2 ) YOU MUST BLOCK AND DELETE WITHIN 4 BUSINESS DAYS OF THIS THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I want to emphasize that this complaint is intentional and valid. My credit report includes inaccurate information that does not meet the required standard of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial stability and overall well-being. 
This situation is creating an unnecessary burden during an already challenging period in my life.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a checking account with Navy federal credit union that I barely used because there is not a location close to me. When I go to use the account, my account was restricted. I reached out to them but was transferred to fraud/security. Each time I was on hold for about 2-3hours waiting to get someone on the phone. I was told that someone opened another account in my name fraudulently. I verified all of my real info & was told to submit a security form ( done it 3 times ), & im still not able to access or use my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I want to emphasize that this complaint is intentional and valid. My credit report includes inaccurate information that does not meet the required standard of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial stability and overall well-being. 
This situation is creating an unnecessary burden during an already challenging period in my life.

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 2025-05-29 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: NC

Complaint narrative:
Upon reviewing my consumer report, I discovered some instances of late payments on an account for which I have always maintained timely payments.Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with upmost accuracy.I have never missed a payment on my XXXX XXXX account. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating, the lateness of these payments.If unable to furnish such proof, I demand that these payments be promptly updated, to reflect their true status as on time, As I have constantly upheld my payment obligations without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX. XXXX, XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : CXXXX 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 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 2025-05-29 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hard inquiries on my credit report I do not recognize, nor have I apply for credit with these company. I am a victim of fraud. I now took extra measure to freeze my account, so no one can access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

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



List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This is a formal request to delete an account currently listed on my credit report that is in pending litigation. Given its legal status, the information being reported is not only inaccurate it's entirely inappropriate to include in my credit file at this time.

This account should not be reflected on my report while its under dispute through the legal system. Reporting it now is misleading, potentially damaging, and absolutely unjustified.

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 2025-05-29 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: PA

Complaint narrative:
In 2020, I properly gave written notice to vacate my apartment at XXXX XXXX XXXX in XXXX. Despite this, they claimed I owed rent for the following month and sent a {$3900.00} balance to collections via XXXX XXXX. I have a dated copy of my move-out notice and an email thread documenting this. I disputed the collection with TransUnion and provided all documentation, but XXXX verified the debt without offering any proof. I also sent a formal debt validation request to XXXX, and they did not respond. This debt is invalid and should not be reported.

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 2025-05-29 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Debt was paid XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$540.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
I received a phone call from First Source Advantage stating I owed a debt. I was not aware of any debt so I wanted to contact the company " XXXX XXXX XXXX. When I reached out to XXXX XXXX they were unsure why I was being contacted by this company as my subscription had been on auto renew and when payment processed it was drafted from an old account number. I never received any information from XXXX XXXX that stated there was an issue with payment as it was only a few days since it had tried to renew. I paid XXXX XXXX and corrected the banking information right away and have proof of payment. They told me to disregard any communication from First SourceXXXX and now I am receiving a bill from them for a fee of {$50.00}. I do not feel I owe then a fee as there was no need for this to be sent to this company as all of this has taken placed in less than 30 days.Then when trying to speak with someone at XXXX to resolve this issue they are demanding banking information over the phone. I do not feel comfortable sharing this information over the phone to a company that is stating I owe money that I had alreadyt paid and corrected with the orginial source. This was a very bad experience with both First Source and XXXX. I have used XXXX XXXX for years and they seemed very unaware of why these companys would be contacting me so quickly and demanding payment when it had only been a few days and I was not contacted about a payment issue.This was not an outstanding debt owed at all. This was just needing banking infomation updated and corrected. Why this was sent to a collection company so quickly is not understood at all. I am looking to not be liable for a fee from First Source or XXXX as this was wrongfully sent to a collection company and wrongfully billed! Please advise as I would appreciate resolution on this matter asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX2025 I opened a new 360 checking account with Capital One Bank. They were offering a {$300.00} promotion for 2 direct deposits with in 75 days. I called and spoke to a representative to explain the Social Security direct deposit woould take 45 days to begin direct deposit. I wastold that the bank would do an exception because they were aware that it is a process to change banks. The first deposit was made on XX/XX/XXXX and then XX/XX/XXXX abd so on. I called again to ask when I would receive the promotion and was told that the 75 days expired XX/XX/XXXX and the second direct deposit came in XX/XX/XXXX. The escalated my request for an exception and I just was informed that the escalation team did not approve my request. They claimed that they reciewd phone calls and no errors were made. Yes there was an error made because I was told something that indicated it would not be an issue as long as there were consistent direct deposits. The say that they reviewed my phone calls yet they never asked me from what number I was calling from. I have 3 lines. I wouild not have opened an account with CapitalOne if they had told methat I would not qualify. I believe that they have out and out lied to me about reviewing phone calls. I am a legally XXXX XXXX person who has had a great deal of being taken advantage of. I always hear about how rigged and crooked the banking system is and now I have experienced this firsthand and I do not acceot being cast aside as a second rate American. I believe I am due the promotion bonus of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint against Goldman Sachs and Apple Card due to the improper resolution of a charge dispute. On XX/XX/XXXX, I attempted to purchase XXXX XXXX tickets for {$350.00} each. Both transactions were declined, and no tickets were issued, which forced me to make a new purchase later on. I ultimately bought the tickets successfully through XXXX, with a confirmed charge of {$710.00} on XX/XX/XXXX. I provided evidence of this, including the actual issued and used tickets and the successful transaction record. Despite this, my dispute was denied without any clear explanation or supporting documentation justifying the {$350.00} charge, which clearly relates to a failed transaction. I am requesting the CFPB to review this case, as I was charged for a service that was never received and tied to a declined transaction. Amount disputed : {$350.00} Transaction date : XX/XX/XXXX Issuer name : Goldman Sachs Bank USA ( Apple Card )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
On XX/XX/XXXX, I called XXXX to discuss mortgage assistance options for my current home loan due to spouse/co-borrower ( XXXX XXXX ) being deceased as of XX/XX/XXXX. My account has been never late/delinquent before and after my spouse/co-borrower passed away and was advised by XXXX that I did not have to make a payment until XX/XX/XXXX and that the mortgage account was current and would remain current/paid as agreed if I continue to pay as agreed during the " mortgage assistance '' process. The payment that needed to be paid on XX/XX/XXXX was {$2400.00} and was paid as agreed ( see attached screenshot of customer payment portal for XXXX to reflect payments made to creditor ). I called XXXX on XX/XX/XXXX to make payment and discuss my late payments reporting to all three credit bureaus for XX/XX/XXXX and XX/XX/XXXX when I was advised by XXXX XXXXXXXX back on XX/XX/XXXX that I did not need to make a payment until XX/XX/XXXX. I was advised that in order to receive " mortgage assistance '' for my home loan, I had to be 60 days past due on my account to receive assistance, which I was not told back on XX/XX/XXXX verbally or in writing ( see attached mortgage assistance application ). I requested to cancel the mortgage assistance application and make my payment but was advised that I could NOT stop the process and to continue making my payments as agreed to avoid negative credit reporting to my all three credit bureaus. I have paid as agreed and my credit file has reported 30 day late for XXXX XXXX, 60 days late for XXXX XXXX 90 days late for XXXX XXXX, 90 days late for XXXX XXXX  60 days late for XX/XX/XXXX, and 120 days late for XX/XX/XXXX which is inaccurate and reporting negatively on all three credit bureaus. I called XXXX to dispute this inaccurate late payments and was given an apology 4x and advised to dispute all three credit bureaus to correct inaccurate payment history information for my account. I am protected by the 15 U.S Code 1666b-timing of payments and request that this this corrected asap.

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