vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Credit Bureau Reporting Agencies : 1. The correct balance for Capital One account ending in # XXXX is {$6400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on XXXX and by XXXX point on XXXX which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. Capital One has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance. 

XXXX. The correct balance for Capital One account ending in # XXXX is {$3400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on XXXX and by XXXX point on XXXX which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. Capital One has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CO

Complaint narrative:
Credit Bureau XXXX XXXX : XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$6400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance. 

XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$3400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance.

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 2025-02-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXXXXXXExperian Information Services XXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies.Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$4000.00} CXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$4400.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding a tradeline currently listed on my credit report. Upon reviewing the details, it is clear that this tradeline has not been reported with the maximum possible accuracy, which is in direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ). This error has the potential to significantly distort my credit profile and affect my financial standing.

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 2025-02-15 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-15 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding a tradeline currently listed on my credit report. Upon reviewing the details, it is clear that this tradeline has not been reported with the maximum possible accuracy, which is in direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ). This error has the potential to significantly distort my credit profile and affect my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$4600.00} XXXX XXXX XXXXXXXX - XXXX - {$4100.00} XXXX XXXX XXXXXXXX - XXXX - {$2100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against TransUnion for FCRA Violations Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against TransUnion for its continued failure to remove fraudulent accounts from my credit report despite multiple disputes, submission of a police report, and several FTC Identity Theft Reports. TransUnion has also failed to provide any accurate or verifiable proof of its alleged investigation into these disputes. These ongoing inaccuracies are causing me significant financial and personal harm. 

The following accounts were fraudulently opened in my name due to identity theft and should have been permanently blocked from my credit file under the Fair Credit Reporting Act ( FCRA ) : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Despite my numerous disputes and supporting evidence, TransUnion continues to report these accounts, which is a direct violation of the FCRA, particularly 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ). Additionally, TransUnion has failed to provide proper documentation proving a legitimate investigation was conducted as required by law. 

Due to these violations, I am seeking legal damages of {$1000.00} per inaccuracy, as these accounts are actively causing me harm, including damage to my creditworthiness, emotional distress, and financial hardship. I demand : 1. Immediate and permanent removal of these fraudulent accounts from my TransUnion credit file.

2. A formal written response confirming that these accounts have been permanently blocked.

3. A full and transparent explanation of TransUnions failure to comply with the FCRA and properly handle my disputes.

I expect TransUnion to comply within four ( 4 ) business days from the date of this complaint. If TransUnion fails to take immediate corrective action, I will pursue legal action for FCRA violations. 

Thank you for your prompt attention to this matter. Please keep me informed of any developments regarding my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-15 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: MD

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX  Synchrony Bank attempted to hard pull my personal credit report without my consent. Furthermore, Synchrony Bank did not disclose that they would attempt to pull my personal credit report in any fine print. 

I attempted to sign up for a commercial/business gas card for XXXX XXXX who has partnered with Synchrony Bank for issuance. I was required to provide my social security number in addition to my business EIN however I did not select the option to provide a personal guarantee. 

Links XXXX XXXX XXXX XXXXXXXX [ click apply now ] -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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
I received an email on XX/XX/XXXX, at XXXX XXXX from XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXX, at XXXX XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX -We don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my XXXX loan, which has been paid every month. I believe my identity was stolen during those two breaches. Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on IdentityTheft.gov -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with www.ic3.gov Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus -Contacted Debt Collectors : {$12000.00} XXXX XXXX XXXX Spoke with XXXX to dispute this . She is sending me documents of what I need to inform them of.

NOTE : The person knew my date of birth and SSN {$10000.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$370.00} / {$200.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$190.00} XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN {$100.00} L J ROSS ASSOC Called and left a voicemail. They did not answer.

-I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial
Protection Bureau ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau. Hass recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward, consumer provided evidence to furnisher, accepting unreliable responses and and failing to adequately notify consumer of dispute outcomes. These failures align with my experience where Experian neither corrected or resolved disputed items despite evidence I have provided causing harm to my credit standing. I am requesting. Immediate corrective action. To amend or correct the disputed items. As experians actions, violate federal law, and my right as a consumer.

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 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently noticed fraudulent inquiries on my credit report. There is someone trying to open up credit cards with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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