vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : HARRIS & HARRIS LTD Account Number/Reference Number:XXXX Date the Account Was Opened : XX/XX/year>2024 I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly withXXXX & XXXX XXXX, buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
Ive requested that Equifax conduct a thorough investigation numerous times and they clearly have not. They continue to report numerous inaccuracies on my credit profile in direct violation of the FCRA and is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>2025, I received an alert from my credit monitoring service that a bank account had been opened at Bank of America. I do not have any legitimate accounts at Bank of America, so this was a fraudulent account opened under my identity. I quickly called Bank of America on XX/XX/scrub> 2025 to close the account. The person who I talked to was very inexperienced with this situation, and I spent over XXXX hours on the phone with them to submit the fraud investigation request. They gave me a case ID of XXXX for the request. 

I subsequently received a letter in the postal mail saying, we've canceled your claim as you requested. The letter was dated XX/XX/year>2025, with Claim number of XXXX, for an amount of {$100.00}, for account ending in XXXX. So I called Bank of America again to ask them about this, as I thought the perpetrator may have called in to cancel my account close request. The workers at Bank of America I talked to during this call indicated that the account was indeed frozen, and that they were still investigating the situation. 

I have not received any additional info from Bank of America regarding this fraudulent account opened under my identity.

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 2025-03-20 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: NC

Complaint narrative:
All three major credit bureaus TransUnion, Equifax, and Experian are still reporting a medical collection account from XXXX XXXX XXXX XXXX, originally from XXXX XXXX, on my credit reports. Under the CFPBs finalized rule effective XX/XX/2025, medical debt is prohibited from being reported on consumer credit reports used for credit decisions. Despite this, all three bureaus continue to report this medical debt, which violates the current federal regulation. I am requesting that this account be removed from all of my credit reports immediately in compliance with the CFPBs rule.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All three major credit bureaus TransUnion, Equifax, and Experian are still reporting a medical collection account from XXXX XXXX XXXX XXXX, originally from XXXX XXXX, on my credit reports. Under the CFPBs finalized rule effective XX/XX/2025, medical debt is prohibited from being reported on consumer credit reports used for credit decisions. Despite this, all three bureaus continue to report this medical debt, which violates the current federal regulation. I am requesting that this account be removed from all of my credit reports immediately in compliance with the CFPBs rule.

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 2025-03-20 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 on my credit report, and I have no idea how they appeared. As part of my usual routine, I checked my report, but this time, I found unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents I submitted to ensure this issue is permanently resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both shocking and infuriating. I always monitor my report, and this has never happened before. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inquiry remained. This needs to be resolved immediately, and I expect my documents to be carefully reviewed to ensure this does not happen again.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It is very disappointing that I have been a Capital One customer since I was XXXX XXXX XXXX and now that I am XXXX XXXX XXXX I am still dealing with my finances and identity not being protected. Unfortunately, I had to close my checking account with Capital One back in XXXX due to scammers accessing my account/personal information and now it seems in XXXX that I may have to cancel my credit account with Capital One too. Since XX/XX/XXXX, my family and I have been receiving several phone calls, XXXX XXXX calls, and text messages beginning at XXXX CST and lasting until late at night from a random individual asking to urgently speak with me. This all started on when I paid my monthly Capital One account on XX/XX/XXXX and saw that a {$7000.00} payment was made from a XXXX XXXX XXXX  XXXX XXXX XXXX that was somehow linked to my credit account. I attempted to call Capital One on XX/XX/XXXX at XXXX CST and work with XXXX and her supervisor XXXX XXXX however, they both indicated that they did not see any issues with my account nor any notes on my account even after I informed the XXXX representatives that I felt that I was a victim of fraud and that I needed them to please check my account. After frustration with receiving no help from the XXXX ladies, looked up another way to get assistance with fraud on the Capital One site and sent an email along with a screenshot of the text messages received to XXXX at XXXX CST. I was then sent a general response email indicating that my email was received and to do not reply to the email. At XXXX CST, I called another number that I found on the Capital One site just for the fraud department directly. I was able to learn that a case had been open at approximately XXXX CST and is awaiting bank statement proof from XXXX  XXXX XXXX XXXX XXXX XXXX and that my account was marked as activity of an Unauthorized Payment Account. I was also told by the fraud department representative, XXXX, who was extremely helpful, that I will be receiving a call from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I will make this very simple The dentist can only bill whats approved by NY MEDICAID. IF THEY FILLED OUT INSURANCE FORMS WRONG TWICE,.. THEY CANT CHARGE ME ANYTHING. 

PLUS THEY CHARGED ME {$5000.00} BEFORE THE INSURANCE WAS SENT IN. FROM CREDIT CARDS THEY HAD OR WERE IN ANOTHER DEPT OF THEIR HUGE NY MEDICADE CHURN MACHINE. 

CHASE AND CFPB RECEIVED NO RESPONSE. SO, CHASE NEEDS TO REMOVE {$5000.00} IN CHARGES ( between XXXX Chase credit cards ) THAT THEY TURNED INTO COLLECTIONS MALICIOUSLY WITHOUT RESPONSE TO ME OR CFPB. 

ALL NOTICES TO CREDIT BEUREAUS NEED TO BE RESCINDED FOR CHASE CREDIT CARDS # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX CHASE CREDIT CARD NEEDS TO BE INVESTIGATED FOR DOXXING ARTICLE PUBLISHED IN FOREIGN COUNTRY SPREAD ON INTERNET since 2013. CHASE HAS THIS FOREIGN COUNTRY FALSE ARTICLE AND HAS ACTED UPON IT BY ALLOWING THESE FRAUDULENT CHARGES THROUGH TO RUIN MY CREDIT REPORT ( XXXX MY NAME )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
On XX/XX/year> I requested a review of payday loan interest rate because rate is higher than Indiana law allows. The company declined to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: WI

Complaint narrative:
My payoff amount for my auto loan is {$13000.00} but its being reported as $ XXXX have updated my payments over the last year and half as accurate as {$550.00} when I only owe {$530.00} but they refuse to update the proper 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 2025-03-20 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: DC

Complaint narrative:
I am receiving emails from an unknown source, but some how they have access to my email. They are sending emails from within my email. This has been going on for months. This didn't start until the data breach that occurred with EQUIFAX. I have tried to get them to remove information that is not mine, or accounts that I didn't open. Under section 605B i demand the immediate removal of these accounts. Equifax negligence is harming me financially, and I am physically stressed. I have attached the emails, and my FTC report. I have changed my password several times, but for some reason, they still have access. I don't have BITCOIN, yet the unknown source has threatened me with extortion of XXXX. I would like the following accounts REMOVED. If this information is not removed, I will start the arbitration proceedings. 
Installment Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-20 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-20 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-03-20 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX digits of my social : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report. pursuant to to my rights under the fair credit reporting Act ( FCRA ), specifically XXXX U.S.C XXXX ( a ), I am requesting an investigation of the following item : Creditor : XXXX XXXX XXXX XXXX Account XXXX Description of Inaccuracy : account is reporting charged off/open Charge Off Accounts Are Considered Income By The IRS! XXXX is forbidden to be on a consumer credit report. 
I should have gotten a XXXX & from any creditor who reported a charge off/Written off on my consumer ( credit ) report. 
This means that the creditor wrote it off on their taxes and received a profit. 

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I XXXX provide to support my claim of inaccuracy. 
I understand that, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to complete the investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. I have attached a copy of my driver license and social for proof of my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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