vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft. I have several accounts that were opened unauthorized. Here the list of items to be removed 1 capital one # XXXX 2. XXXX XXXXXXXX XXXX XXXXXXXX {$610.00} 3. XXXX XXXX # XXXX Inquiries 1. XXXX XXXX XXXX 
2. XXXX XXXX 3. XXXX XXXX XXXX Address to be removed 1. XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I keep getting spam scam emails from destiny card. I tried blocking, reporting as spam but I get a ton of misleading scam mail from them every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX CT GA XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-04 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 am a victim of identity theft and have fraudulent inquiries and accounts on my credit report. I have been working endlessly with trans union to get my identity theft matters resolved and they have constantly chose to violate my consumer rights. I have sent them several documents that have supported my disputes and as the consumer law, when identity theft is disputed along with the supporting documents, any fraudulent information should be removed immediately.

Below I have attached another identity theft report in hopes that this matter can be resolved before I take legal action about the violation of my rights as a consumer.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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 2025-01-04 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:
Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It May Concern, I am writing to file a complaint regarding errors on my credit reports with XXXX, XXXX, and Equifax. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the Equifax Data Breach, my information has been online and used numerous times. 

Specific Issues : 1. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : XXXX  XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
2. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
3. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : XXXX : Multiple inquiries from financial institutions like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
XXXX : Unrecognized inquiries from institutions such as XXXX  and XXXX. 
Equifax : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
4. Unfamiliar Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: MD

Complaint narrative:
Accuracy Requirement " Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their reporting. This account contains inaccurate or unverifiable information and must be corrected or removed. '' PLEASE PROVIDE MY SIGNATURES FOR EACH COMPANIES. If each of these companies can not please have them to remove immediately. 

XXXX XXXX ( XXXX ) XX/XX/year>XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> Dispute and Reinvestigation " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing this account. I request that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of this information or delete it if it can not be verified within 30 days. ''

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 2025-01-04 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: MD

Complaint narrative:
Accuracy Requirement " Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their reporting. This account contains inaccurate or unverifiable information and must be corrected or removed. '' PLEASE PROVIDE MY SIGNATURES FOR EACH COMPANIES. If each of these companies can not please have them to remove immediately. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXXXX/XX/year> Dispute and Reinvestigation " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing this account. I request that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of this information or delete it if it can not be verified within 30 days. ''

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 2025-01-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies XXXX and a creditor/collection agency 5/3 BANK, to investigate and correct an unauthorized account ( XXXX ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. 

Relevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : XXXX XXXX XXXX XXXX  ) Under the XXXX  Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.

15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed.

Despite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards. 
Virginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.

Federal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. 
Summary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. 
Shortly thereafter, the unauthorized account ( XXXX ) appeared on my credit report. 
Despite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. 
The creditor/collection agency has not validated the account, as required by the FDCPA. 
These failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
There r accounts on my credit report that doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
There r accounts on my credit report that doesnt belong to me

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 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I reported ilegal credt reports by XXXX XXXX XXXX, XXXX to bureaues and still on my Transunion report, all other bureaues delated from my reports due to incorrect info and I do not have any contract with this collection and they have not provide me with the original signed contract what so ever.

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a critical issue regarding the calculation of payments under the Public Service Loan Forgiveness ( PSLF ) program. Despite my extensive and uninterrupted service of over 13 years with XXXX XXXX XXXX , a qualified employer for PSLF, my payment count towards loan forgiveness remains incomplete.

I have diligently served as a full-time employee for more than a decade, providing essential care and support to individuals and families in need. Throughout this time, I have made consistent efforts to ensure that my payments towards student loan forgiveness are accurately recorded. However, despite exceeding the required threshold of 120 qualifying payments or ten years of service, my loan balance persists, and the burden of monthly payments continues to weigh heavily on me. As the sole provider for two families, the financial strain of ongoing student loan payments is substantial and increasingly challenging to manage. I firmly believe that my diligent service and consistent payments warrant the completion and payoff of my student loan, in accordance with the PSLF program guidelines.

I

kindly request your immediate attention to rectify this discrepancy and ensure that my payment count accurately reflects my years of service and dedication to public service. It is my sincere hope that by correcting this oversight, I can alleviate the financial burden I currently face and achieve the long-awaited relief of student loan forgiveness. I urge you to expedite the review and correction of my payment count, as every month of continued repayment adds to the financial strain I endure. Your swift action in resolving this matter will not only provide much-needed relief but also restore my faith in the integrity of the PSLF program. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX, if further information or clarification is required to facilitate the resolution process. I sincerely appreciate your attention to this matter and look forward to a favorable outcome.

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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