vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I request that the capital one bank account be removed from my XXXX, XXXX, and XXXX credit report for the violations of the Fair Credit Reporting Act ( FCRA ) under 15 usc 168. Which a creditor is legally obligated to report accurate information about a consumer 's credit history to credit bureaus. 
XXXX ) Capital One bank reported to XXXX that the last payment was on XXXX XXXX. However, Capital One bank reported to XXXX that the last payment was on XXXX XXXX. Therefore, it violated 15 usc 1681 to report accurate information to the credit bureaus about a consumer 's credit history.

2 ) Capital One bank also reported to XXXX that the account was closed on XXXX XXXX. However, Capital One bank reported to XXXX that the account was closed on XXXX XXXX. Therefore, that's another violation of the Fair Credit Reporting Act under 15 usc 1681. By again reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My personal information was exposed in the recent data breach leaking my person information on to the dark web/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed that it contains incorrect personal information. This has led to the appearance of unknown and inaccurate accounts that are not mine. This situation is extremely concerning and is unfairly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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 recently reviewed my credit report and noticed that it contains incorrect personal information. This has led to the appearance of unknown and inaccurate accounts that are not mine. This situation is extremely concerning and is unfairly impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a third day dispute under section XXXX this should be removed within XXXX days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXX XXXX XXXX XXXXt I appreciate your prompt attention to this matter and expect a response within XXXX  days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
I am writing regarding the denial of my recent loan application through Affirm, citing issues related to my credit profile, including serious delinquency, lack of recent revolving information, and the number of recent inquiries. I believe this decision stems from ongoing challenges caused by identity theft and fraud, which I have worked diligently to address and resolve. 

To provide context, I have been a victim of identity theft since 2020, which resulted in inaccurate and fraudulent activity being reported under my Social Security number and other credentials. Since discovering this, I have taken the following steps to restore my financial integrity : XXXX. Obtained a new Social Security card. 
XXXX. Renewed my drivers license and ensured all associated records are up to date. 
XXXX. Disputed all fraudulent accounts and activity with XXXX and other credit reporting agencies. 
XXXX. Engaged in a thorough cleanup of my credit files, with many inaccuracies already removed and others currently under review. 

My XXXX XXXX and history are now improving as a result of these efforts. I am confident that my financial circumstances no longer reflect the risks identified in your evaluation. Furthermore, the inability to access financing through Affirm has placed significant financial strain on my ability to move forward with critical personal and professional responsibilities. 

I kindly request that you reconsider my loan application and take into account the mitigating circumstances surrounding my credit history. I also ask that your institution reach out to XXXX to verify the recent updates and adjustments made to my file. My aim is to rebuild my creditworthiness and establish a positive financial relationship with XXXX Bank and Affirm. 

Please contact me at ( XXXX ) XXXX or XXXX to discuss this matter further. I am happy to provide additional documentation or verification as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I went to sign into my mobile banking app and a pop-up came on screen that said too many incorrect attempts logging in please contact customer support so I called customer support on XX/XX/year> at XXXX. The person on the phone said your account has been closed I asked why, and she said you will receive something in the mail I had over {$1300.00} being deposited that day and so I asked what would happen. She said once an investigation is over, we will mail you a check I asked how could you have closed my account if youre still investigating something? She said thats how it works I then received an email at XXXX stating my account was under investigation there was nothing in the email about the account being closed. They will not give me access to my account information to contact the companies I have automatic bill pay from to change to my other bank account. Every time I call Capital One they just say your account has been closed and is still in the investigation process so they wont give me a timeline of when I will receive my own money. I am in financial distress over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 3 late payments on an account that was not in fact paid on time the consumer reporting agency need to report all information with incomplete accuracy. This account has not been late on payment I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. And XX/XX/XXXX and XX/XX/XXXX and now I am requesting you to investigate and provide veritable proof with record showing that I had late pavement. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
Can you please verify that this information is reporting 100 % accuracy and that you can fully verify it? otherwise can you remove it from my credit report. Under the Fair Credit Reporting Act ( FCRA ). The federal law mandate you to report 100 % accuracy to Ensure Maximum Accuracy standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am un aware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act. My information isnt being reported fairly or correctly. This company says I was late and my account subsequently closed and I even though I may have been late paid this account off and my credit reports says otherwise. My credit reports do not indicate that I paid anything to this company. It shows my account as late and closed only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
Keep sending me to sign the loan agreement and never finish the transaction just lies and make you sign for company the credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My home is scheduled for foreclosure XX/XX/XXXX. They attempted foreclosure with a fraudulent robo signed assignment. The deed to secure the deep had been requested and has not been produced. 
I have disputed the amount owed .I questioned this XXXX XXXX standing once I learned that XXXX XXXX  was serving as trustee on this fraudulent transaction that is being used to claim ownership of my property. Fraud cant be the basis of obtaining a deed and this blatant fraud.I also sent a notice of error and no one from their research team or their executive office has responded. Neither has notice of default has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Please delete this collection account from my credit report, as the original creditor, XXXX, sold my account to a collection agency without providing proper notification. This action violates my rights under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IN

Complaint narrative:
Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal car loans Indiana finance XXXX amount XXXX, XXXX sale XXXX amount of XXXX also self XXXX amount of XXXX also personal loan sun loan XXXX amount of XXXX XXXX XXXX amount of XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System Inc is attempting to collect a debt for XXXX XXXX XXXX XXXX. I have never had an account with them. I asked for a copy of the original agreement bearing my signature regarding XXXX, the date the contract was signed by me an other relevant information to verify the debt. They did not respond. They placed this debt on my credit report before validation which is against the law and therefore should be removed and permanently deleted from all credit reporting bureaus and agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I reviewed my credit profile on XXXX, 2025 and I noticed inquires I do not recognize. Additionally, I also noticed personal information that doesn't belong to me.

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