vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
XXXX XXXX  had a breach of security to where my personal information has been released to the dark web. I was never notified and they locked my card without reissue of a new one. Thus company continued to draft monthly payments from my checking account. I have been under to use this card to assists in my credit building due to thier actions. I called and spoke to a representative who was automated. Which did not fix the problem. I spoke to three live representatives and they mislead me in telling me my card was not locked when it was. Can someone please help. My personal information has been exposed due to thirr data breach which they inevertanlly locked my card secretly and did not notify me of this.

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 2025-02-08 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: SC

Complaint narrative:
I am a victim of identity theft. Founders flu has several accounts with same account number and different amounts that dont belong to me. These inaccurate accounts need to be removed form all XXXX bureaus. There are also a several inquiries that I didnt authorize that also need to be 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 2025-02-08 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: SC

Complaint narrative:
I am a victim of identity theft. Founders flu has several accounts with same account number and different amounts that dont belong to me. These inaccurate accounts need to be removed form all XXXX bureaus. There are also a several inquiries that I didnt authorize that also need to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi bank had an agreement with me to keep my account open with a payment of {$530.00} - I made {$250.00} of the payment and scheduled the remaining before the due date. They closed my account prematurely and marked it as a charge off. I then signed another agreement to pay {$170.00} a month which has been paid consistently. They are still marking me as late even though the monthly payment shows {$170.00}. They also marked XXXX late for a payment that hadnt even been taken out. They have made the decision against my original contract and caused a credit issue and yet again with marking late fees that are not late.

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 2025-02-08 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: TX

Complaint narrative:
I am writing to formally dispute the accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion Consumer Solutions that appear on my credit report. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), which outlines the protocol for investigating disputes, and 15 USC 1681i ( a ) ( 5 ) ( B ), which addresses the reinserted information process. It is essential that all accounts are reported accurately and consistently across all creditors, and they should all reflect as closed accounts. I would like to draw your attention to 15 U.S. Code 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Recently, I discovered that several accounts that were previously reported as closed with 100 % payment history have now been inaccurately categorized as open. This change is misleading and has negatively impacted my credit score. The accounts in question are :

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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was living with my parents at one point in life. When I was staying with them I was on paperwork as a permitted occupant. I was never an official tenant or signed a lease or had any agreement with the landlord. There is no lease that exists out there with my name on it or signature. This company is trying to say I have an individual responsibility to pay rent owed to these apartments. The only document they have is a statement with my name on it. This is only because I was a permitted occupant. Ive called the apartments and theyve provided me copies of the lease with signatures proving I was never a tenant or had an obligation to pay them rent. This rent recovery company refuses to remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
My car was broken into with all my personal information included and has been since used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these fraudulent inquiries and I demand proof of my full authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
My wife and I opened a new Barclays XXXX XXXX Account ( ending in XXXX ) on XX/XX/2025. We then followed the Barclays process to link our external bank account ( XXXX XXXX savings account ending in XXXX ) to the new Barclays account in order to fund the new account. 

On Wednesday, XX/XX/2025 we received an email confirming that Barclays had successfully verified our XXXX XXXX external bank account ending in XXXX, and that the transfer of funds we had requested on our application would be automatically processed. That same day we also received an email from Barclays notifying us that our request for funds transfer from our XXXX XXXX XXXX bank account ending in XXXX to our Barclays XXXX XXXX account ending in XXXX has been received and successfully processed, and another email confirming that funds transfer had, successfully posted to your Barclays Savings account ending in XXXX on XX/XX/2025. Finally, early Thursday morning, XX/XX/2025, I received an email informing me that, with your most recent deposit, you are now earning a higher savings rate tier of 4.50 % APY on your account ending in XXXX. That is the reason my wife and I opened this account and funded it with a large transfer of {$250000.00} ; to earn the highest tier APY Barclays offers. 

That same morning ( XX/XX/2025 ), I tried to log into my Barclays account online to confirm the deposit, but received the following message : Your account is currently restricted. Please contact customer care at XXXX Monday to Sunday, XXXX am to XXXX pm ET for assistance. I called the customer care three times on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. Each time I was provided very little information and falsely promised that I would be receiving a call from someone who could explain the situation and help get my account unrestricted. Yet, to date, nobody has called and my account remains restricted and inaccessible. I am worried about the status of my account and balance ( {$250000.00} ), and Barclays has been completely unresponsive and unhelpful to date. 

At the suggestion of the first customer care representative, on XX/XX/2025 I submitted copies of my XX/XX/2025 XXXX XXXX bank account statements ( the source of funds savings account ending in XXXX, and a separate CD account ) via email to XXXX to prove that those accounts are titled the same and owned by me and my wife. Yet, to date, I have received no confirmation of receipt or response to my email, and my account remains restricted and inaccessible. 

It is unfair, deceptive, and completely unacceptable for Barclays to indefinitely restrict my account without any further communication.

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My car was stolen. The police won't except my claim so I can't show proof of claim. Also the car was only XXXX put XXXX down and now they are asking XXXX to XXXX they are scamming because I had a XXXX XXXX  the XXXX XXXX the engine blew on the drive home from the dealer ship. so basically I'm being charge inaccurately. XXXX dealership in XXXX XXXX, IL has the records. The car was purchase in XXXX, IL XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the accuracy, fairness, and privacy of personal information 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I was sued by the attorneys office representing a Debt collector. I provided an answer to the suit both to the court and the attorneys office. I have proof for both answers. Then I was send requests to provide documentation which proves that they received my answer to the suit. Later I received a letter from them telling me that they will be applying for a default judgement from the court based on my not providing an answer on time. Once again, I have proof that I did answer and that it was on time. I called the attorneys office to discuss and they said they will not talk to me based on my last conversation with them and that they needed to talk to the owner of the debt, as I was indicating that this claim is in dispute. This is rather crazy as my answer to the suit was that I am in total dispute over this debt due to the scamming operation of the merchant I was conducting business with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: WA

Complaint narrative:
My car was repossessed. I would like to receive via email copies of all the documents, including the retail installment agreement and notice of repossession and deficiency, for my lawyer to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I am filing this complaint about XXXX XXXX, XXXX for furnishing inaccurate and inconsistent information to the credit bureaus regarding my two XXXX accounts. Despite multiple disputes, XXXX continues to report conflicting data on Equifax and TransUnion. One account ( ending in XXXX ) is an open revolving line that TransUnion lists with a XXXX balance and a XXXX limit, while Equifax shows a XXXX balance and does not clearly show the same limit. Additionally, they appear to have reaged the debt by placing a Date of First Delinquency in 2024, which extends the time this negative entry remains on my report. The second XXXX account ( ending in XXXX ) is a closed installment with a XXXX balance but is still reporting as delinquent or 90 days past due on one bureau, which is contradictory since a XXXX balance closed account should not be listed as past due. XXXX previously removed these accounts altogether, suggesting the information was unverifiable, yet Equifax and TransUnion still report them differently. XXXX claims they report accurately but has not addressed the documented inconsistencies. Under the Fair Credit Reporting Act, data furnishers must ensure accuracy and consistency, and they can not illegally reage debts or report a XXXX balance account as delinquent. I am requesting the credit bureaus investigate these specific errors, require XXXX to provide proper verification of the correct dates, balances, and payment status, and delete or correct the tradelines if they can not accurately resolve these discrepancies. The continued reporting of contradictory balances, dates, and delinquency on a zerobalance account violates the FCRA.

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 2025-02-08 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:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. ACCOUNTS : 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 2025-02-08 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:
I found out that I've been a victim of identity theft. these account that Im reporting are affecting my credit report so bad.

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 2025-02-08 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:
I found out that I've been a victim of identity theft. these account that Im reporting are affecting my credit report so bad.

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 2025-02-08 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: CA

Complaint narrative:
I found out that I've been a victim of identity theft. these account that Im reporting are affecting my credit report so bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I have seen an unknown hard inquiries on my credit file first one is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have got my ssn on XX/XX/XXXX but i dont know how can i get hard inquiries without getting my ssn please check this and resolve my problem

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my information has been compromised and my information has been on the dark web for some years

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 2025-02-08 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief