vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1400.00}, XXXX XX/XX/scrub>XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1400.00}, XXXX XX/XX/scrub>XXXX XXXX XXXX XX/XX/year>

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 2025-04-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I pulled my Equifax report on XX/XX/XXXX, and there are a few things that raised red flags for me because they either dont match the other bureaus or are unclear. 

XXXX XXXX shows as charged off for {$55.00}, but againdetails are sparse. Theres no consistent payment history, no dispute note, and the reporting feels vague. Its confusing and doesnt help me understand where I stand with the account. 

XXXX XXXX XXXX is listed as charged off with a balance of {$490.00}, but like the other bureaus, it keeps showing as updated every month with a CO even though it was closed back in XXXX. If nothings been paid or changed, I dont see why it should still be showing activity. That kind of reporting feels misleading. 

XXXX XXXX XXXX is marked as closed on Equifax, while its open on XXXX. That inconsistency worries me because it impacts how my creditworthiness is judged, depending on whos pulling the report. I didnt get any notification or explanation for the differences. 

Lastly, the XXXX XXXX collection account for XXXX XXXX  XXXX is just missing from my Equifax report altogether. Im not sure if it was removed, suppressed, or never reported, but it adds to the confusion when the other two bureaus have it listed. If its legitimate, it should be uniform across all three. If not, then maybe it shouldnt be there at all.

Im requesting a formal review and investigation to make sure my Equifax report reflects accurate and complete data, and that any Metro 2 or FCRA violations are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
Subject : Formal Complaint Against Equifax Information Services for FCRA Violation Unauthorized Reinsertion of Previously Removed Account Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Equifax Information Services for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed several inaccurate accounts on my credit report due to identity theft. Equifax Information Services investigated the matter and subsequently removed the following account from my credit file : XXXX XXXX XXXX XXXXXXXX However, I recently discovered that this account has been reinserted without any prior notification, which is a direct violation of FCRA regulations. 

As you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within five business days if previously deleted information is reinserted. XXXX failed to provide me with such notice, causing undue stress and potential damage to my credit profile. 

I have attempted to resolve this issue directly with EQUIFAX, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Equifax Information Services complies with the law and removes these unauthorized reinsertions immediately. 

Enclosed with this letter are copies of : My initial dispute letter regarding the above accounts Confirmation from EQUIFAX of the accounts removal Documentation proving the unauthorized reinsertions My recent dispute with EQUIFAX regarding this issue I appreciate your prompt attention to this matter and your assistance in holding EQUIFAX accountable for this clear violation of federal law. Please let me know if you require any additional information to proceed with the investigation. 
Sincerely, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$890.00} Open Date XXXX XXXX, XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXT Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
XXXX XXXXXX/XX/XXXXXX/XX/XXXX, 2024/ XX/XX/XXXX XX/XX/year>2024 /

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: PA

Complaint narrative:
my payments sent from my checking to XXXX XXXX XXXX have not been applied at all, or if they were applied they were not applied in a timely manner. i have requested approx three years of payments to this vender ( amount, date i made payment, date of delivery of payment ) several times and have not received the information. its been 3 weeks. i have been lied to repeatedly. these are the records and interactions. 
XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX XX/XX/XXXX ref XXXX XXXX XXXX on XXXX i spoke with XXXX XXXX and he refused to provide interaction numbers, even though Ive been provided this information previously. these are additional individuals ive spoken with : XXXX XXXX on XXXX, XXXX XXXX XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist.

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Fecha : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX A XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
hello, it seems my XXXX XXXX was compromised and hacked i believe. i received text from XXXX XXXX and capital one within 10 minute time frame, and a credit card was applied and approved for instantly, this occurred on XX/XX/XXXX, the credit card amount approved for was {$3000.00}. i contacted capital one and they have froze the card and sent over to fraud department. i have contacted the 3 credit bureaus and set fraud alerts on my credit report. i am seeking to get the hard inquiry removed off my credit has i had over XXXX score before the fraud took place. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
XXXX XXXX ( XXXX ) XX/XX/XXXX, 2024/ XXXX XXXX XXXX XXXX XXXX XX/XX/scrub> 2024 /

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 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: AZ

Complaint narrative:
When I was looking into this I was told to complete a form. I was misled and was not told that they would be automatically giving me a loan. I did not once agree and the agent lied to me about the process of seeing if I prequalified. On top of that they do not even know who has my loan and they are not helping me to cancel the loan. 

I just want to cancel all of this because they lied to me and are ignoring me. 

They lied to me and also did not tell me what the rate would be. The agent made it seem like it was all okay. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They said suspicious activity, I answered their questions, Im a XXXX XXXX, they will not give me info or any access to my account. I cant pay my Rent, or get my Meds or food. This is my only account I told them my life is connected to this account, my rent was due XX/XX/XXXX unable to pay. They told me they cant help me till an agent looks at my account. Its been 10 days. I told them close my accounts and send me my money. PLEASE HELP ME!!! 
I started this on XX/XX/XXXX and call capital one everyday since with no info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This debt has already been written off on original creditors taxes and sold to collect. This should have been resolved because was written as a loss. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not make the charges, attached. I am requesting to have the following inforation removed from my file. The items I require removal are inicated in the report. I am an identity theft victi and did not incur the charge. I am requesting the items be remoed to rectify my credit report. I have already informed the Federal Trade Commission of the identity theft and I have also atached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove the items at your earliest convenience.

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 2025-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$11000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$890.00} Open Date 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 2025-04-02 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: DC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation