vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
writing to file a formal dispute regarding the inaccurate reporting of my account with XXXX ( Account XXXX : XXXX ) on my credit report. The account is currently showing incorrect information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues need to be addressed : Account Information : Company Name : XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Disputed Issues : 1. Incorrect Payment History : My credit report inaccurately reflects my payment history with multiple entries marked as XXXX for payments from XX/XX/year> to XX/XX/year>, despite having made regular payments. 
XXXX. Incorrect Payment Amounts : The actual payment amounts listed are showing XXXX or incorrect values, which do not reflect the true payments made to the account. I have made payments in XX/XX/year>, XX/XX/year>, and other months, which should be accurately reflected. 
XXXX. XXXX XXXX XXXX : The balance listed for the account seems inaccurate, showing values that do not align with my actual account status. The credit limit of {$7300.00} is listed, but the balance should be corrected to reflect actual transactions. 
4. Association Termination : The report indicates XXXX XXXX, but no clarification is provided on what this refers to. This needs to be properly clarified and updated if there has been any change to my account status. 

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the XXXX XXXX XXXX must investigate and correct or delete any information that is found to be incorrect. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
5/3 bank has frozen my funds of {$500.00} dollars or so after I opened an account online with them. They also locked me out of online access to this account. I made several payments from this account for bills and they are now bouncing back. They claim they want me to come in person to one of their branches to verify my identity with my social security card. The problem is the state I Iive in half of the year has no branches and I will not be in the state that does for several months. This bank did not ask for a copy of my social security card when I opened the account online. I need access to my funds to pay my bills. I am willing to send the bank a copy of my social security card via email, but they refuse to allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

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 2025-03-07 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: MS

Complaint narrative:
I applied for and was approved for a capital one secured XXXX XXXX  credit card with a required security deposit of XXXX dollars which I made using my checking account. Immediately after taking the XXXX from my checking account capital one sent me an email informing me that they have decided to deny my application with no mention of refunding nor sending back my XXXX security deposit. It has been XXXX weeks and I still have not received my security deposit to my checking account. Capital one denied my application yet still took the XXXX dollars from my checking account and has failed to refund my money as of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation.

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 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: MD

Complaint narrative:
This is a complaint against Klarna , Inc. ( " Klarna '' ) and XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) for unapplied payment of {$89.00} towards a debt owed to Klarna. 

Key Facts and Timeline : XX/XX/XXXX : I made a payment of {$89.00} to XXXX XXXX towards a debt owed to Klarna. This payment was a part of a payment plan that included XXXX payments of {$89.00} starting in XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX confirms the {$89.00} payment was sent to Klarna and states it would take up to XXXX business days to apply. 

XX/XX/XXXX : I paid the balance of {$260.00}, which settled the account in full. The {$89.00} payment was not reflected on my Klarna account prior to making this payment. 

XX/XX/XXXX : XXXX XXXX states that the account has been " settled in full and closed out. It confirmed that Klarna would be handling this account, and any refunds due for this account will be resolved with Klarna not XXXX XXXX. 

There appears to be a disconnect between XXXX XXXX and Klarna regarding the payment processing for the {$89.00} payment made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NY

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 2025-03-07 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2025-03-07 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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

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 2025-03-07 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: NY

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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
Consumer complaint received 2025-03-07 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: StellarFinance, Inc.
State: NY

Complaint narrative:
I reached out to experian in regards to alllowing false reporting to the credit bureau and to investigate this matter and to immediately remove from my profile. I requested a dispute and they denied my request as if the reporting was accurate from this company with no evidence provided to me. Which is a improper investigation and failing to remove inaccurate information. Because of this my credit score decreased by XXXX points. with more then 180 days late of a account that is not mines. this has interfere with me purchasing a house due to this matter. I have also sent a letter to stellar fi demanding proof of agreement, investigation an filing fraud via certified mail which they have not responded too. I've also filed fraud with FTC and a complaint with the CFPB complaint id # XXXX which the company have not responded back too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am XXXX and no longer able to work because of XXXX and they have repoed my truck and I had to pay XXXX to get it back now I have to pay more monthly. I have had my truck for 2 years I have already paid over {$8000.00} on a XXXX, and when I asked Credit Acceptance the cash out price so I could have maybe paid it off with my taxes, they told me it was {$9000.00} more. So I would be paying almost {$20000.00} for an XXXX. I know they are unreasonable they have been sued before. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AL

Complaint narrative:
I am disputing a case of fraud on my credit report. Someone used my information to gain accounts that don't belong to me. I had been XXXX for a long time, and my information was tampered with at that moment years ago, and my data appeared in the Equifax breach, which led to me having more identity theft trouble.

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
OUR CHASE CHECKING ACCOUNT WAS ILLEGALLY HACKED AND USED TO PAY A LOAN FROM XXXX XXXX TO XXXX XXXX  FROM XX/XX/XXXX THRU XX/XX/XXXX. A TOTAL OF 11 PAYMENTS WERE TAKEN OUT OF {$260.00} TOTALING {$2900.00}. THROUGH INVESTIGATION IT WAS DISCOVERED THE LOAN WAS USED TO PURCHASE TIRES AT XXXX XXXX XXXX XXXX IN XXXX FLORIDA. OUR RESIDENCE IS IN XXXX XXXX CALIFORNIA AND HAVE NEVER BEEN TO FLORIDA NOR HAVE FAMILY THAT RESIDES THERE. THE TIRE SHOP SELLS SEMI-TRUCK TIRES WHICH I DO NOT OWN OR OPERATE. AFTER CONTACTING XXXX TO LET THEM KNOW ABOUT THE ISSUE THEY GAVE ME A WEBSITE TO GO TO SO I CAN FILE A FRAUD CLAIM, XXXX  WHICH WAS A WEB PAGE THAT WOULD NOT LOAD. UPON DISCOVERING THESE FRAUDULENT CHARGES FROM OUR ACCOUNT I IMMEDIATLY CONTACTED CHASE TO PLACE A STOP PAYMENT ON THE WITHDRAWS. THIS WAS IN XXXX OF XXXX. I ALSO CLOSED OUR ACCOUNTS WITH CHASE IN THE SAME WEEK, CHASE ONLY CREDITED US BACK 4 OF THE PAYMENTS TOTALING {$1000.00}. AND NOT THE FULL {$2900.00}. 

I RECEIVED A LETTER EARLY XX/XX/XXXX STATING I HAVE A PAST DUE AMOUNT OF {$1000.00}. I CONTACTED CHASE COLLECTIONS DEPARTMENT WHO INFORMED ME OUR CLAIM WAS DENIED AND WE OWE THE {$1000.00} BACK. HE SAID THAT XXXX HAS MY WIFES SIGNATURE FOR THE LOAN.WE OBTAINED A COPY OF THE LOAN CONTRACT FROM CHASE AND THERE WAS NO SIGNATURE, ONLY A TYPED NAME. WE HAVE OVER 80 PAGES OF STATEMENTS, RECEIPTS AND DOCUMENTS TO PROVIDE IF NEEDED. A POLICE REPORT HAS BEEN FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I reviewed my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies remained. Due to this issue, I request a thorough review of the documents I have submitted so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 theft and fraud.

Company response to consumer: Closed with non-monetary relief