vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I am writing to formally dispute the reporting of an account from First Nation Bank of Omaha that has negatively impacted my credit report. This account was closed without my knowledge and was subjected to multiple unauthorized and unjustified fees, which I was not informed about and did not consent to. 

I believe this account has been reported inaccurately and unfairly due to the following reasons : The bank imposed multiple unknown and uncalled-for fees without proper notice or justification. 

The account was closed without my knowledge or consent, preventing me from addressing any potential issues before closure. 

The bank failed to provide transparency in its practices, leading to an unfair impact on my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. I demand that this account be removed from my credit report as it is unjustly damaging my credit standing. 

Please review this information and take the necessary action to remove this account from my credit file. 

I request written confirmation of the removal of this inaccurate information from my credit report. If this issue is not resolved promptly, I am prepared to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. 

Please confirm receipt of this letter and provide a response within the legally required time frame.

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 2025-03-05 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: IL

Complaint narrative:
I've found that my credit report has erroneous information for a several time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the credit bureau must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Late/Close : XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX **** Balance Owed XXXX {$2100.00}

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 2025-03-05 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: AL

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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : XXXX.Confirmation of the corrections made to the disputed item. 

XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXX.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX BANK XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXXXXXX XXXX Section XXXX, XXXX XXXX, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights Account Name XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account number 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 2025-03-05 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:
I am writing to formally dispute The charge of account reported on my credit file upon reviewing my credit report. I noticed that this creditor has reported a charge of under this account, which I believe to be an inaccurate, incomplete or unverifiable Under the fair credit reporting act ( FCRA ) 611 ( 15 U.S.C ) request a re-investigation into this account and that you verify its accuracy. if you can not provide a sufficient proof that this is charge of account is accurate in full validated I request its immediate removal from my credit report. Please provide a verification of charge accurately including the original contract with my signature proof that the debt is valid, including a full itemized accounting of how the balance was calculated documentation that the charge was reported correctly and in compliance with credit reporting loss lastly, confirmation that the creditor followed the proper reporting process, including notice sent to me before the charge was reported

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 2025-03-05 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: TX

Complaint narrative:
I am writing to formally dispute The charge of account reported on my credit file upon reviewing my credit report. I noticed that this creditor has reported a charge of under this account, which I believe to be an inaccurate, incomplete or unverifiable Under the fair credit reporting act ( FCRA ) 611 ( 15 U.S.C ) request a re-investigation into this account and that you verify its accuracy. if you can not provide a sufficient proof that this is charge of account is accurate in full validated I request its immediate removal from my credit report. Please provide a verification of charge accurately including the original contract with my signature proof that the debt is valid, including a full itemized accounting of how the balance was calculated documentation that the charge was reported correctly and in compliance with credit reporting loss lastly, confirmation that the creditor followed the proper reporting process, including notice sent to me before the charge was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One closed my account as noted in complaint XXXX. I paid the account off to a XXXX balance, and after that, Capital One charged interest to my account. Because the account was closed this was never brought to my attention through a statement, bill or the like. I only became aware of this through credit monitoring for the late payment. I received no communication from Capital One about this balance, so it seems predatory to report a balance over due that the consumer is not ever made aware of. 

All fees and interest have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 : INQUIRIES : XXXX XXXX  XX/XX/year> : Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company 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 2025-03-05 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: CA

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 : INQUIRIES : XXXX XXXX  XX/XX/year> : Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company 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 2025-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Misleading information, deceptive lending practices, abuse from management, no phone calls when promised. So much more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 2025-03-05 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: GA

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: WI

Complaint narrative:
An account or anything for that matter cannotreport without your acknowledgement do Look into this law 15 USC 1681b it goes in depth about permissible purpose and it can be used on 28 any derogatory account because you are requesting the documentation provided in order for the account to have received your permission to 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 2025-03-05 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: WI

Complaint narrative:
An account or anything for that matter cannotreport without your acknowledgement do Look into this law 15 USC 1681b it goes in depth about permissible purpose and it can be used on 28 any derogatory account because you are requesting the documentation provided in order for the account to have received your permission to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: CO

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failure to Investigate Disputed Accounts Under XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ) Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint against [ Credit Bureau/Furnisher Name ] for failing to properly investigate and correct inaccurate information on my credit report, despite my formal dispute submitted on [ Date of Dispute Submission ]. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, credit reporting agencies and furnishers are liable for negligent noncompliance, including failure to conduct a proper investigation into disputed information. Despite my request, [ Credit Bureau/Furnisher Name ] failed to take corrective action or provide a reasonable basis for maintaining the disputed accounts on my credit report.

As required by law, they were obligated to : Conduct a reasonable reinvestigation of my disputes. 

Provide a written response with findings and, if applicable, correct or delete unverifiable information. 

Ensure that any inaccurate or unverified information is removed from my credit report. 

Their failure to comply with these obligations has caused undue harm to my credit standing. I am requesting the CFPB to : Investigate the actions of [ Experian ] regarding my dispute. 

Enforce compliance with the FCRA and require them to properly investigate and correct the inaccuracies. 

Consider appropriate penalties for their negligence and failure to comply with federal law. 

I have attached copies of my original dispute letters, supporting documents, and any responses I have received ( if any ). I request that this matter be resolved promptly, as my creditworthiness is being unfairly impacted due to this negligence. 

Thank you for your time and attention to this matter. Please keep me informed regarding any updates or actions taken. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with non-monetary relief