vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach and subsequent identity theft, the following accounts and inquiries were fraudulently opened without my knowledge or consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report. 
Fraudulent Accounts 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 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 Unauthorized Inquiries 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I recently discovered that Radius Global Solutions. accessed my credit report on XX/XX/year>. I am unfamiliar with this company and did not authorize them to pull my report. Additionally, they did not have a valid purpose for accessing my credit information. 
I request that Radius Global Solution. provide a valid reason for pulling my credit report. 
Thank you for your attention to 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 2024-12-02 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: TX

Complaint narrative:
I am filing a complaint regarding XXXX inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates. 



These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case. 



I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds. 



Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am filing a complaint regarding XXXX inconsistent and inaccurate reporting of my account across multiple credit bureaus. Specifically : 1. On some credit bureaus, the account is reported as Paid as Agreed, Never Late, while on others, it is reported as a Collection.

2. There are discrepancies in the reported amount owed, account status, and other key details, such as missing information or differing dates.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting. The inaccurate reporting negatively affects my creditworthiness and causes confusion. 



I request that XXXX and the credit reporting agencies correct these discrepancies to ensure uniform and accurate reporting across all bureaus. Attached, I have provided : 1. Copies of credit reports showing the discrepancies.

2. Any available documentation supporting my case.

I request the CFPBs assistance in resolving this matter and ensuring compliance with the FCRA. Please confirm receipt and provide updates as the investigation proceeds. 



Thank you for your attention to this issue.

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 2024-12-02 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:
ive checked my credit report and you are presenting misleading and false information as this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Acting as the authorized agent of the consumer, submit this affidavit to address the continued unauthorized reporting of an account under the consumer credit profile by Equifax Inc. Despite prior written notice instructing Equifax to remove this account on the grounds of lack of authorization, the account remains on the consumer ( profile ) report. As such, this continued reporting constitutes identity theft, as defined under federal law, and represents a willful violation of my rights pursuant to the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies are explicitly prohibited from including any information on a consumer report without the explicit written consent of the consumer. Furthermore, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to the immediate removal of any fraudulent or unauthorized accounts to protect the integrity of the consumers credit file and personal identity. 

The account at issue is as follows : XXXX XXXX XXXX XXXX Account No. XXXX This account was reported without my knowledge or authorization and continues to appear on the credit report despite previous demands for its removal. The continued reporting of this account constitutes identity theft under the FCRA, as Equifax has failed to act upon prior notice and continues to unlawfully maintain and disseminate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally dispute the auto refinance agreement I entered into on XXXX XXXX for my XXXX XXXX XXXX. I believe this agreement was obtained under false pretenses and through unfair business practices. 
I was presented with an auto refinance loan with an extremely high APR of 16.9 %, significantly higher than my current rate of 6.9 %. Despite expressing concerns about the rate, I was pressured into accepting the terms under the false pretense that it was a competitive After closing the loan on XX/XX/XXXX, I realized the unfavorable terms and sought to cancel the agreement within the XXXX cancellation period. However, my request was denied, despite the fact that the XXXX period had not yet expired due to the XXXX holiday weekend. 
I believe this denial of my right to cancel is a clear violation of consumer protection laws. 
I demand that OneMain Financial immediately cancel the auto refinance portion of the agreement and refund any fees or charges associated with it. I expect to be able to proceed with the personal loan portion of the agreement, but at a more reasonable rate. 
If this matter is not resolved promptly and fairly, I will be forced to escalate this issue to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my state 's attorney general 's office. 
I look forward to a swift and satisfactory resolution to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: WA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, multiple fraudulent accounts have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit report. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: WA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, multiple fraudulent accounts have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit report. 
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 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

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 2024-12-02 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: CA

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate XXXX XXXX compliance guidelines : XXXX  ( Account # XXXX ) : 1. Inconsistent High Balance Reporting : High Balance is reported as {$400.00} ( XXXX ) but {$390.00} ( XXXX and TransUnion ). 
2. Date of Last Activity Conflict : " Date of Last Activity '' is inconsistent across bureaus, conflicting with the account closure status.

3. Discrepancy in Comments : Remarks such as " Closed or Paid Account/Zero Balance '' conflict with late payment history. 
XXXX  XXXX ( Account # XXXX ) : 1. Conflicting Late Payment History : Late payment updates are inconsistent with payment cycle data. 
2. Missing Past Due Amount : No " Past Due Amount '' is provided despite late payment history.

3. Comment Conflict : Remarks such as " Account Previously in Dispute - Now Resolved '' are ambiguous and contradictory. 
XXXX XXXX ( Account # XXXX ) : 1. Inaccurate High Balance Reporting : " High Balance '' is reported as {$0.00}, while the account balance is {$12000.00}. 
2. Payment Frequency and Past Due Amount Conflict : Monthly payment of {$250.00} is reported without past due amounts or supporting payment history. 
XXXX. Discrepancy in Account Remarks : Comments like " Consumer Disputes- Reinvestigation in Progress '' do not align with account status.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department

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 2024-12-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
ON XX/XX/year> THE IRS SENT A CRIMINAL REPORT TO THE VICTIM of IDENTITY THEFT / CHARACTER ASSINATION By WELLS FARGO XXXX XXXX XXXX  in CRIMINAL IRS XXXX XXXX with AN UNAUTHORIZED {$XXXX} REFUND XXXX AND XXXX FRAUD MY NAME ANE EXCELLENT CREDIT RATING IS HACKED by THIS HORRIFIC CHARACTER ASSIGNATION INVESTIGATE WITH IMPUNITY by WRITTEN CRIMINAL DISCLOSURE AS REQUIRED by FEDERAL LAW WITHIN XXXX BUSINESS DAYS

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding an issue that has significantly impacted my credit and living situation. My children 's father had an apartment at XXXX XXXX in XXXX XXXX, XXXX, and I was required to be on the lease as a co-signer since I would occasionally stay there. Unfortunately, the apartment had a severe mold problem, which posed health risks, especially as I was pregnant at the time and had a newborn baby. 

Despite multiple requests and reports made to the property management at XXXX XXXX to address the mold issue, no effective action was taken. We filed a XXXX motion in court to compel them to fix the problem, but they failed to do so within the stipulated time. A second XXXX motion was filed, and although they eventually attempted repairs, the mold was merely painted over and quickly reappeared. 

According to the XXXX notice, tenants were not obligated to pay rent until the issue was resolved. However, after moving out, we discovered an unpaid balance on the lease, which has adversely affected both my credit and my children 's father 's credit. This unresolved debt has created significant challenges for me in securing housing for myself and my son over the past XXXX years. 

I kindly request your guidance and support in resolving this matter, as it continues to hinder our ability to find stable housing. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation