vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
See Attached Documents ... .Identity Theft This CFPB Complaint has been filed to Request Pursuant to FCRA & 6065B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Equifax and Experian Credit reporting agency, block information appearing on my consumer credit report that the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false information Consists of auto loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts resulted in collections or closed accounts on my consumer FICO credit report maintained by you which shows 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 my FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquires are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
See Attached Documents ... .Identity Theft This CFPB Complaint has been filed to Request Pursuant to FCRA & 6065B ( 15 U.S.C. 1681c-2 ) that you, the Transunion Equifax and Experian Credit reporting agency, block information appearing on my consumer credit report that the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, Inaccurate, and false information Consists of auto loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts resulted in collections or closed accounts on my consumer FICO credit report maintained by you which shows 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 my FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquires are the result of Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
Please see supporting documents pertaining to XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT IN MY REPORT.PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had multiple accounts with TIAA for many years. They made a deal with Everbank to take over their banking side. I need access to my bank statements neither bank wants to provide me the documents. Ive made multiple calls to both bank they keep asking me to call the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Experian due to a violation of the Fair Credit Reporting Act ( FCRA ).

Recently, I discovered that a charge-off account ( XXXX XXXX XXXX  ), which had previously been removed from my credit report, was reinserted without any prior notification. This action directly contradicts the requirements set forth in Section 605 ( b ) of the FCRA, which mandates that when a credit reporting agency reinserts information that was previously deleted, it must provide a notice to the consumer within five business days. The lack of notification has caused me undue stress and has negatively impacted my credit score.

Given the circumstances, I hereby demand that this charge-off account be removed from my credit report immediately. The failure to comply with FCRA regulations is unacceptable, and I expect Experian to take prompt action to rectify this situation.

I urge the CFPB to investigate this matter thoroughly and hold Experian accountable for their actions. Furthermore, I would appreciate guidance on any additional steps I should take to ensure my credit report reflects accurate and fair information.

Thank you for your immediate attention to this serious issue. I look forward to your swift response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT IN MY REPORT.PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MI

Complaint narrative:
On my credit report, Mohela is reporting my total loan amount is twice what it is. After researching online, people state after you consolidate your loans mohela is not removing the old loans and only listing the new consolidated loan ( s ). I only have two active loans from mohela after consolidating my loans in mid 2024 but the ones before consolidating still are appearing. I would like all loans that are not active/do not exist anymore after consolidation to be removed from my report. I am trying to purchase a new home.

Mohela is very hard to reach, you are often on hold for hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to Code XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I recently received from your bureau. The item in question is associated with the code XXXX, and I believe it to be inaccurate or erroneous. I request a prompt investigation into this matter and a correction, if necessary, in accordance with the Fair Credit Reporting Act. 

Details of the disputed item : Account Name : capital one Account Number : XXXX Disputed Code : XXXX Date of Entry : XX/XX/year> I request that you review the above-mentioned item and provide me with the results of your investigation. Please remove or correct this entry if it is found to be inaccurate, incomplete, or unverifiable.

In accordance with the Fair Credit Reporting Act, I ask that you notify me of the outcome of your investigation, including any changes made to my credit report, within 30 days. I have attached relevant documentation to support my claim, which includes [ copies of statements, payment records, etc. ].

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this issue.This account has been paid off but still showing up as a negative inquiry on
my credit report I would like for this item to be deleted Sincerely, XXXX XXXX [ Enclosures : Copies of documents supporting your dispute, if any ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-06 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: FL

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-06 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: FL

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 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 2025-04-06 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: Colony Brands, Inc.
State: OH

Complaint narrative:
I would like to bring to your attention that there are 3 accounts on my credit profile that are completely fulse and fraudulent. These accounts, Ginnies, Montgomery Ward, and Country Door, should not be associated with my credit history. It would be greatly appreciated if you could take the necessary steps to remove these erroneous accounts from my credit profile. Your swift attention to this matter would be much appreciated. Thank you for your understanding.

( e ) Advisory opinions of XXXX XXXX. Civil liability No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection I would like to further inform you of the following law.

Any proceedings on the Above Case,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
I would like to bring to your attention that there are 3 accounts on my credit profile that are completely fulse and fraudulent. These accounts, XXXX, XXXX XXXX, and XXXX XXXX, should not be a

ssociated with my credit history. It would be greatly appreciated if you could take the necessary steps to remove these erroneous accounts from my credit profile. Your swift attention to this matter would be much appreciated. Thank you for your understanding. ( e ) Advisory opinions of XXXX XXXX. Civil liability No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection I would like to further inform you of the following law.

Any proceedings on the Above Case,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings.

This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing.

Since uncovering this, I have : Secured all of my financial accounts.

Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law.

Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! I have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! I have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer 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 2025-04-06 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Inquiries that include : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Collection accounts that are not mines nor did I create these XXXX XXXX XXXX  {$430.00} BAL ACCOUNT # XXXX XXXX XXXXXXXX : {$1900.00} XXXX ACCOUNT # XXXX XXXXXXXX XXXX INACCURATE LATE PAYMENTS Account number XXXX SBNASELFLNDR INACCURATE LATE PAYMENTS ACCOUNT # XXXX XXXXXXXX XXXX XXXXNNACURATE LATE PAYMENTS ACCOUNT NUMBER : XXXX {$400.00} Multiple incorrect names and address. 
Please remove immediately.

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