vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/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

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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Date Opened and Last Active Date Across Experian and XXXX I am writing to file a formal complaint regarding multiple inaccuracies on my credit report that are affecting my credit profile. The account in question has discrepancies regarding both the Date Opened and Last Date Active across the credit bureaus Experian and XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that these issues be deleted immediately. 

Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Inaccuracies in Reporting : Date Opened Discrepancies : Experian : The date opened is listed as XX/XX/XXXX. 
XXXX : The date opened is listed as XX/XX/XXXX. 
These XXXX reported dates can not both be accurate. The information reported must be correct and consistent across all credit bureaus. I am requesting that the inaccurate date opened entries be deleted from my credit reports. 

Last Active Date Discrepancies : Experian : The last date active is listed as XX/XX/XXXX. 
XXXX : The last date active is listed as XX/XX/XXXX. 
The inconsistency between the last active dates on Experian and XXXX is also inaccurate and requires that the incorrect entries be deleted from my credit reports. 
Legal Reference : Under XXXX XXXX XXXX XXXX ( FCRA ), when a consumer disputes inaccuracies on their credit report, the credit reporting agency is required to conduct a reasonable investigation and delete any inaccurate information. Specifically, XXXX XXXX XXXX XXXX ( a ) mandates that : The credit reporting agency must promptly investigate the dispute ( typically within XXXX  days ). 
Any inaccurate or incomplete information must be deleted.

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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They keep Call me, XXXX XXXX hours, wanting me to pay some dept Ive never heard of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I'm Requesting an inquiry removal in regards to the inquiry made on XX/XX/year>. I was sent a promotional email for a credit card. But I was not given the correct product that I intended/ applied for. I called navy federal to resolve the issue and was given specific instructions which included waiting for a response/ resolution which never occurred- ( all calls are recorded please refer to the call that was made ) I am writing to formally file a complaint regarding an unauthorized or incorrect inquiry on my credit report. I believe that this inquiry is the result of an error made by Navy Federal in relation to a product that was not what I had requested or applied for. 

I applied for a credit card with XXXX interest for XXXX months but was mistakenly provided with a different product, which led to the credit inquiry being performed. I did not authorize an inquiry for this specific product, and it does not reflect my intentions during the application process. 

I have contacted the company, and despite my efforts to resolve this issue, the inquiry remains on my credit report. This incorrect inquiry is adversely affecting my credit score and creating potential issues with my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of this incorrect inquiry from my credit report. 

Please let me know if any further information or documentation is required from me to facilitate the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 2025-02-17 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
hello. first know that i have let the director XXXX XXXX XXXX know i dont want this complaint returned. iwth a script as you have many of mine. nothing is resolved since last answer. i have no statements, no information on fees and on private mortgage insurance and i ask fay servicing why they sent me an inadequTE INSURANCE NOTICE SINCE i believe based on what they have done to me which i will pursue and their reputation they will try to charge me PMI at exorbitant rates at this time i have received and asked for NO statements none. i want all of them. XXXX XXXX telling you i ask and he sent or they sent is useless and i wont let these be closed. just like i wont let them get away with the breach of TPP, the un necessary foreclosure they filed NJ does not protect me from and they try to hide. i will do what it takes and as a XXXX individual with a lot to do and stress i ask for mroe time to submit documents if needed to support. I have no information on what they are charging, how much no statementss no answers on insurance they have been instructed based on all their trasngressions in an attempt to protect them to send all emails i send to their lawyer i demand statements and answers to XXXX XXXX XXXXXXXX i sent and will send.I want stmts too and i want answers on insurance. Nothing is reoslved and i will make sure you cant close this or accept closure on other without proper investigation. and full whatever you need from me ask if you close this i will send it to director. nothing is resolved i dispute his answer and most important hvae no information to which i am entitled i submit like they have done elsehwere they denied my loan mod improperly will not share NVP calcualtion afforded no ability to appeal and breached trial payments plan wherein they are required to offer perm mod they have not. I wont stop til proper action is taken here and wlsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I filed 4 reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : 1. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXXXXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX on XX/XX/XXXX. 
2. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} 3. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} 4. 5 student loan accounts opened at DEPT OF EDXXXX  on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
5. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at NISSAN MOTOR ACCEPTANCE on XX/XX/XXXX for {$11000.00} 7. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} 8. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} 9. a credit card opened at XXXX XXXX XXXX XXXX XX/XX/XXXX for {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I walked into a local branch in XXXX CA to pay off my wells Fargo card and at a later date reapplied for a credit card..they denied me for not paying my credit card balance off..I received a receipt at the bank and requested a pay off letter however did not receive the letter..to this day, XXXX years later it Appears unpaid on my credit reports..

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 2025-02-17 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: MO

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  XXXX XX/XX/2015 {$0.00} 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 ( FCRA ), 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 under federal law.

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 2025-02-17 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I filed XXXX reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : XXXX. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from XXXX XXXX under the account XXXX  on XX/XX/XXXX. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at DEPT OF ED/XXXX  on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank, XXXX XXXX XXXX in XXXX, MA. Accounts compromised, third party app/ online banking compromised, data and personal identifying information stolen, leaked. False deceptive practices, denied services in person, treated as if I was a criminal. Providing documents with incomplete information nor explanation and denied copies of my information. I am a victim of identity theft I have reported this to CFPB since XX/XX/year> and many companies this is just XXXX that caused me 3 years of issues and I had to close XXXX account after another as access was granted without my consent or without a timely notice to dispute leading to false accusations. XXXX gained unconsented access to bank account information, and adversely charged me. XXXX aa victim of identity theft had protections as freeze was in place but adversely used to access all my data to the XXXX of Massachusetts that has now through housing caused me to be falsely accused of crimes. I requested account be closed they linked accounts and unethically did not close account but instead appear to have allowed embezzlement/ fraud that I am being accused for within housing court. Privacy act, equality and FCRA act violated as well as protections. Information with-held from me again deception by Bank and giving mis-leading information, including to reach out to a local FBI agent on XXXX XXXX in XXXX, MA where more of my life was compromised and pain and suffering continues. I have been denied my own documents, and believe this matter should be investigated as different accounts and cards were made and given even XXXX taken by inside representative XXXX. XXXX that normally helped me with a letter of current balance. I am a victim of identity theft and on going activities at the bank show I was token advantage of and treated adversely. XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove

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 2025-02-17 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
capital one auto loan was paid in full and late payments was not removed. 
other accounts information was leaked on the dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My credit report has been flagged for a suspicious student loan that is not mine! This student loan is in the amount of over XXXX. I do not have a student loan with the " Department of Education '' nor do I have a student loan with " XXXX ''. Both of these student loans keep showing up on my credit report. I have been disputing these loans for years. I have made a fraud alert on all three credit bureaus as well as alerting the credit bureaus of this fraudulent error. These student loans are not in my name. XXXX XXXX XXXX who is the sole owner of the social security number XXXX My DOB is XXXX. I have no student loans with any school or college. And this is not my debt!

Company response to consumer: Untimely response
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation