vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX BALANCED - DATE OPEN XXXX XX/XX/XXXX XXXX XXXXXXXX BALANCED {$300.00} DATE OPEN : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BALANCED {$170.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BALANCED {$190.00} DATE OPEN : 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 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 XXXXXX/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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This dispute addresses multiple inaccuracies on my XXXX, XXXX and XXXX credit report, specifically related to late payment reporting on several accounts, including XXXX XXXX, CAPITAL ONE, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit history, I have identified errors where consecutive late payments have been reported inaccurately, unfairly impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX, XXXX and XXXX is required to investigate and correct any inaccuracies within 30 days. The continued reporting of these errors constitutes a violation of federal law and causes unjust harm to my financial standing. If XXXX does not take corrective action, I intend to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

As a resolution, I have requested that XXXX, XXXX and XXXX remove all improperly reported late payments, update my account history to reflect accurate information, and provide written confirmation of the corrections. This ensures that my credit report accurately represents my financial responsibility and complies with federal regulations. I have also provided supporting documentation, including payment records, to substantiate my claim. 

This dispute seeks a fair and timely resolution, ensuring that my credit report reflects accurate and lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This dispute addresses multiple inaccuracies on my XXXX, XXXX and XXXX credit report, specifically related to late payment reporting on several accounts, including XXXX XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX. Upon reviewing my credit history, I have identified errors where consecutive late payments have been reported inaccurately, unfairly impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX, XXXX and XXXX is required to investigate and correct any inaccuracies within 30 days. The continued reporting of these errors constitutes a violation of federal law and causes unjust harm to my financial standing. If XXXX does not take corrective action, I intend to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

As a resolution, I have requested that XXXX, XXXX and XXXX remove all improperly reported late payments, update my account history to reflect accurate information, and provide written confirmation of the corrections. This ensures that my credit report accurately represents my financial responsibility and complies with federal regulations. I have also provided supporting documentation, including payment records, to substantiate my claim. 

This dispute seeks a fair and timely resolution, ensuring that my credit report reflects accurate and lawful 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 non-monetary relief
Consumer complaint received 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX, Social Security XXXX, Date of Birth : XXXX XXXX.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal mobile phoneline account at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, with the balance of : {$2300.00}. A mobile landline service account opened at XXXX XXXX XXXX, opened on XX/XX/XXXX, account number XXXX, with a balance of {$530.00}. These accounts have resulted in several fraudulent hard inquiries which were : XXXX, XXXX, XXXX XXXX XXXX, and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax and Experian for failing to immediately and permanently remove fraudulent accounts from my credit report, despite having provided all necessary documentation to prove my identity theft claim. 

The fraudulent accounts in question were opened without my knowledge or consent, and I have already filed a report with the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report is attached as evidence of my identity theft. 

The specific fraudulent accounts that need to be removed are as follows : Account Name : XXXX XXXX XXXX XXXX ( XXXX Card ) Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX And all inquiries on my report. 

Despite the Fair Credit Reporting Act ( FCRA ) and Identity Theft Enforcement and Restitution Act of XXXX, which mandate the permanent removal of fraudulent accounts upon submission of an FTC Identity Theft Report, Experian and Equifax has failed to act within the legally required time frame and has not removed these accounts from my credit report. 

In light of recent lawsuits involving Experian and Equifax regarding failures to handle identity theft cases accurately, I am taking this issue seriously and seeking your immediate assistance in ensuring that my rights are upheld.

I request that the CFPB intervene to ensure that Experian and Equifax complies with federal law and removes these fraudulent accounts from my credit file immediately and permanently.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
When I looked at my credit report was when I saw a collection from I C system stating I owed {$480.00}. Never heard of this company before. Never received any information from this company, saw info on my credit 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 explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX fraudulent auto loan accounts opened at XXXXXXXX XXXX XXXX XXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX on XXXX XXXX under the account number XXXX and another auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. As well as XXXX more fraudulent accounts XXXX being a credit builder account with XXXX XXXX XXXX opened on XX/XX/XXXX and a personal credit card opened at XXXX XXXX, XXXX on XX/XX/XXXX. These accounts have resulted in continuous negative reporting on my report and fraudulent late payments. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and these erroneous accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX XXXX are the result of identity theft and fraud. These items have been removed from XXXX and XXXX already per my request but your company has denied me my consumer rights to deletion for over 6 months. If you deny my rights as a consumer i will have no choice but to Involve my Consumer Law lawyer and bring up litigation against Experian. You failure to accurately verify these accounts as fraud have resulted in my failure to obtain credit and several missed opportunities to improve my financial standing. Failure to respond in a timely matter will put you in violation of FCRA law and will require you to pay all fines associated with a litigation. As a consumer I would prefer to avoid this route but you are leaving me with no choice.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over a XXXX-year period, from XX/XX/XXXX, to XX/XX/XXXX, unauthorized XXXX debits totaling {$18000.00} were made to XXXX XXXX  XXXX XXXX I did not detect these fraudulent transactions until XX/XX/XXXX due to XXXX XXXX XXXX 's perceived reliability, the seemingly routine billing pattern, and the gradual escalation of charges that concealed the fraud. Upon discovery, I promptly contacted Chase and XXXX XXXX XXXX. While Chase permitted disputes for a portion of the unauthorized transactions, XXXX XXXX XXXX confirmed my checking account was on their billing system but could not provide details about the specific accounts associated with my checking information or confirm if any account was under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that XXXX have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX FIN Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account

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 2025-03-24 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: CO

Complaint narrative:
I pulled my experian credit report, they have my credit score lower than the others and it has minus at least XXXX delinquent account. If I pay to boost my score, that is disturbing to me because why is it a lower number with less stuff.

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 2025-03-24 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concerns regarding potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ) related to the unauthorized access and mishandling of my personal data. It has come to my attention that my sensitive information may have been accessed by an outside party without my consent. 

XXXX. Unauthorized Access : The FCRA prohibits any entity from accessing a consumer 's credit report without a permissible purpose. The unauthorized access of my data is a violation of this provision. 

XXXX. Improper Disposal of Information : If my data was mishandled or not properly disposed of, this violates the FCRA 's requirement for entities to protect sensitive consumer information. 

XXXX. Inaccurate Information : If the mishandling of my data led to inaccurate information being reported about me, this is also a violation of the FCRA. 

XXXX. Failure to Provide Notices : If any adverse action was taken against me based on the mishandled data without providing the required notices, this constitutes another violation. 

Additionally, under FERPA, I have the right to access my educational records and request corrections to any inaccuracies. If my personal information has been disclosed without my consent or if my educational records have been accessed improperly, this is a clear violation of my rights as a student. FERPA ensures that my educational information is protected, and any unauthorized access undermines that protection. 

Due to these serious concerns, I am requesting the removal of my student loans. The mishandling of my personal information and the potential breach of my privacy rights have caused me significant distress. I believe that the circumstances warrant a review of my student loan obligations. 

I urge the Department of Education and the credit bureaus to investigate these matters thoroughly to ensure that the rights of students are upheld and that their personal information is not being misused. I appreciate your attention to this important issue and look forward to your prompt response regarding the steps that will be taken to address these concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report, I want immediate removal of these negative accounts affecting my credit profile.

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 2025-03-24 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:
Hi my name is XXXX XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report, I want immediate removal of these negative accounts affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I refinanced my vehicle and Westlake refuses to credit my account. I verified with my credit union that the payoff check cleared on XX/XX/year>. I have spoken with several representatives at Westlake and they say that the check was received but is not being credited to my account. I was told they would look into the issue however I continue to get daily collection calls even after I speak with the calling representative. They have now also added a late fee to my account because a minimum payment was due on XX/XX/year>, however the payoff check would cover this obviously. I am getting tired of daily called even after I pick up and explain it over and over with the representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Last year I finished paying off a XXXX XXXX  XXXX. It has been paid in full and XXXX. Equifax has the paid-in-full bankruptcy listed as a new XXXX  and has all the paid-out creditors listed as delinquent accounts. My scores with Experian and Transunion have decreased, instead of increased as well. My credit is worse than ever since I paid the XXXX  in full. I do not have a great deal of debt. The score should have gone up but it went down. Please assist me with this awful misfortune.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Last year I finished paying off a XXXX XXXX  XXXX. It has been paid in full and XXXX. Equifax has the paid-in-full bankruptcy listed as a new XXXX  and has all the paid-out creditors listed as delinquent accounts. My scores with Experian and Transunion have decreased, instead of increased as well. My credit is worse than ever since I paid the XXXX  in full. I do not have a great deal of debt. The score should have gone up but it went down. Please assist me with this awful misfortune.

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