vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have a charge off amount of {$160.00} on my XXXX credit report from the company XXXX. I came to an agreement with the debt collector agency called TrueAccord to pay the total of {$100.00} in order to resolve my balance, which was paid on XX/XX/year>. I have already disputed this account to be removed from my credit report since it has been paid already, but it always comes back as remaining in my account and not deleted.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I want reported accounts to be removed. 
Bank : XXXX  XXXX XXXX number : XXXX Balance : {$320.00}

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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme dissatisfaction with the service and billing practices of XXXX, specifically regarding my business internet account. My experience has been a series of frustrating and costly errors, and I demand immediate resolution. 
My issues began when a XXXX subcontractor visited my shop and offered a business internet deal. I accepted, and the equipment was installed the following day. Initially, the service worked as expected. However, when I needed assistance connecting my computer system to the internet, I contacted the subcontractor. He returned and, instead of resolving the issue, completely damaged the modem. 
Following his advice, I returned the damaged modem to a XXXX store, only to be told they could not accept it and that I had to ship it via XXXX, which I did. At the same time, I requested a replacement modem with the same agreed-upon deal. The XXXX representative assured me this would be done. However, the subsequent service and billing were riddled with problems. 
* Misrepresentation of Contract : The new contract I was given differed significantly from the original agreementkf XXXX XXXX The monthly charge was {$90.00}, not the agreed-upon amount. Due to time constraints, I was unable to thoroughly review the contract before signing. 
* Billing Errors and Service Disconnection : XXXX failed to connect my account to my payment method, leading to missed payments. They then disconnected my internet service without proper notification. 
* Termination and Equipment Return : Due to these issues, I decided to terminate my XXXX services. I paid the outstanding balance and requested instructions for returning the equipment. I was told by XXXX a return label would be emailed to me, but it was never sent. After a prolonged wait, I finally obtained a return label through my own efforts and shipped the modem back to XXXX, with proof of shipment. 
* False Debt Collection : Despite returning the equipment and paying the balance, I continue to receive demands for approximately {$350.00}, claiming I have not returned the modem. I have spent countless hours on the phone with XXXX representatives, none of whom have been able to resolve this issue. 
* Financial Loss and Emotional Distress : The prolonged and frustrating interactions with XXXX have caused significant stress and have resulted in a direct financial loss. My husband missed a {$15000.00} cryptocurrency trading opportunity due to the extensive time spent resolving this issue. The difficulty understanding the XXXX representatives due to language barriers added to the frustration. 
I look forward to your immediate attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX allowed criminals to apply for credit cards XXXX different times and add high balances ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). They negligently did not put the property safeguards up to protect my security and prevent future cards to be ordered by others illegally, they allowed others to change the PIN and phone number to my XXXX  XXXX, they caused my credit score to drop from above XXXX to the XXXX range, they allowed someone on XX/XX/XXXX to change my PIN and XXXX someone {$500.00} all while I had a Fraud alert and Credit Freeze with TransUnion, XXXX, and XXXX. They ignored notes allegedly put in my representatives where I begged them to stop allowing others to order 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
These credit inquiries that I do not know about on my report, I believe that my identity has been stolen and some type of way or in a data breach. I would like to remove them please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
These credit inquiries that I do not know about on my report, I believe that my identity has been stolen and some type of way or in a data breach. I would like to remove them please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: MS

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I need to access my tax information. I can not log in after many, many attempts. I've tried to reset my password many, many times. Nothing works. When you call customer service, there is over a, XXXX hour wait and when you do hold, the call is disconnected after an hour or so on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
During the entire XXXX program where I qualify for {$0.00} payments and 0 % interest I have been accruing interest. I have tried contacting Mohela 3 separate times to have the interest taken away. Each time I have waited for hours on hold and was told that the interest had nothing to do with mohela and that I had to contact the department of education to get them to take the interest off. I filed a complaint with the department of education and have never received a response. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX- Email from Capital One stating that they updated my phone number XXXX XXXX- Email from XXXX XXXX stating I have a new credit card inquiry XXXX XXXX- Email from XXXX XXXX stating there was a hard inquiry on my credit XXXX XXXX- Email from Capital One stating I was approved for the Savor Credit Card and that it would arrive in 7-10 days. And that my credit limit is {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate late payments and unauthorized hard inquiries with [ Experian/Equifax/TransUnion ] XXXX They failed to verify or remove them within 30 days, violating FCRA 611. I request immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-15 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: FL

Complaint narrative:
I am submitting this complaint against Experian Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around XX/XX/year>, and XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX account ( Account # XXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? What account-level documents were reviewed beyond the Automated Consumer Dispute Verification ( ACDV ) form? Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? Were ALL payment history details, charges, and credits reviewed thoroughly? Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX  and the credit bureaus have conducted a proper reinvestigation in accordance with federal law.

Company response to consumer: Closed with non-monetary relief