vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-02-08 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 2025-02-08 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: FL

Complaint narrative:
I have made consistent payments on my account and throughout the years I barely keep a big balance unless its holiday or special events, when making a payment there have been times I would schedule it where it supposed to come out on the same day but depending on what account I used it would take longer for one account to even process although they state if its made before a certain time it should be withdrawn in the same day which wasnt always the case with one account. Which would lead to a reversal in payment. Although it would occur numerous of times on one account I always made a payment towards my credit card account and mostly cut down what I owe out of no where my account was closed on XXXX XXXX stating a fraud letter. Which is strange because it was just showing when I logged in that my account was suspended on that next day I had a transaction on XX/XX/XXXX which that shows on my account so even that alone threw me in a trans. I called on XX/XX/XXXX and they let me know because of reversal of payment too many times resulted in me getting my account closed. When looking for an explanation they send me to a consumer agreement that states they can close my account for any reason at any time. I believe that it was closed because each year I kept asking for an increase in my account but was never able to get one due to vauge reasons which I just feel discriminated and discouraged about the whole situation. To make things worse I just re applied which they let me open another account a few days later with a XXXX dollar less for credit its just very confusing to how they are treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-08 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:
I am writing to dispute an account listed on my Experian credit report that does not belong to me. The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Owed : {$340.00} Date Last Updated : XX/XX/XXXX I did not authorize or recognize this debt, and I believe it has been reported in error. This inaccurate information is unfairly impacting my credit score and overall creditworthiness. 

Also 2 hard inquiries from XXXX XXXX XXXX XXXX date XXXX XXXX and XXXX XXXX XX/XX/XXXX. I did not authorize these or apply or have accounts from these places Desired Resolution : I am requesting that Experian remove these immediately I expect it to be immediately deleted and removed from 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 2025-02-08 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: FC HoldCo LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed immediately : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 
2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 
3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. 

Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Please send me a written confirmation once these inquiries have been removed. If I do not receive confirmation within 10 business days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this urgent 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 2025-02-08 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: Mercedes Benz Financial Services
State: TN

Complaint narrative:
To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed immediately : 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 XXXX MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 
2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 
3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. 

Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Please send me a written confirmation once these inquiries have been removed. If I do not receive confirmation within 10 business days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I was denied loan and credit card based on false credit score. My info was hacked during XXXX data breach and during XXXX data breach. Me being denied based on a score that incorrect not by my doing is WRONG. It should be based on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute multiple inaccurate items appearing on my credit report that do not belong to me. These items include collections, charge-offs, and unauthorized hard inquiries that are damaging my credit profile. Below are the details of the accounts and inquiries in question : Collections/Charge-Offs : 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 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 Desired Resolution : I request a thorough investigation into the above-listed items. If the creditors or financial institutions can not provide valid and verifiable proof of my authorization or ownership of these accounts and inquiries, I ask that they be immediately deleted and removed from my credit report. 

These inaccuracies have caused undue harm to my creditworthiness, and I expect this matter to be addressed with urgency and fairness.

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 2025-02-08 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: TX

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-08 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: TX

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 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-08 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: IA

Complaint narrative:
Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX XXXXXXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.

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 2025-02-08 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: MI

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submissions, Equifax always responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene with the Consumer Financial Protection act, as highlighted in the CFPBs recent administrative proceeding. ( File number XXXX XXXX ) against them for similar violations. I request the the CFPD take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.

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 2025-02-08 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:
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. 
Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$1000.00} I looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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 non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I have several accounts that are being reported and they don't belong to the consumer and the information requested to validate the debt has not been provided. XXXX  account reference a date of birth that is incorrect and the date of the age for account is incorrect. A XXXX more or less is being reported by a unknown party that has been sending letters of collection, the request for validation of debt has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
To Whom It May Concern Due to the recent lawsuit filed against Experian for Sham investigations, filed on XX/XX/year>. I insist that EXPERIAN conduct an investigation as you are required By the FCRA Law.

I will explicitly say, do not accept the findings of the furnishers Who do not provide thorough results of their investigation Which i ask that you provide to me in exact ddetail vvia usps mail and Not through your online portal.

Please Delete the disputed information within the required Timeline of 4 days as set forth per the FCRA which is federal Law.

I am invoking 15 U.S.Code $ 1681c-2- Block of information resulting from identity theft.

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