vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NV

Complaint narrative:
First of all, I have only one mortgage with XXXX XXXX XXXX Mortgage Company, however, there are two mortgages that reported to my credit report from all Credit Report Bureaus Companies. Moreover, my mortgage is closed and my property is sold to someone else and I have been forced out and I am now homeless. No one in the XXXX XXXX worker is willing to help fix the problem and they are not giving me any assistance whatsoever to help my situation. 
I have many more loans that are applied with XXXX XXXX XXXX Mortgage and XXXX XXXX XXXX XXXX. I will not give up my right when someone is abusing my identity against my mortgages and treating me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
First of all, I have only XXXX mortgage with XXXX XXXX XXXXXXXX XXXX XXXXXXXX, however, there are XXXX mortgages that reported to my credit report from all Credit Report Bureaus Companies. Moreover, my mortgage is closed and my property is sold to someone else and I have been forced out and I am now homeless. No one in the XXXX XXXX worker is willing to help fix the problem and they are not giving me any assistance whatsoever to help my situation. 
I have many more loans that are applied with XXXX XXXX XXXX Mortgage and XXXX XXXX XXXX XXXX. I will not give up my right when someone is abusing my identity against my mortgages and treating me unfairly.

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 2025-04-29 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
First of all, I have only XXXX mortgage with XXXX XXXX XXXX XXXX  XXXX, however, there are two mortgages that reported to my credit report from all Credit Report Bureaus Companies. Moreover, my mortgage is closed and my property is sold to someone else and I have been forced out and I am now homeless. No one in the XXXX XXXX worker is willing to help fix the problem and they are not giving me any assistance whatsoever to help my situation. 
I have many more loans that are applied with XXXX XXXX XXXX Mortgage and XXXX XXXX XXXX XXXX. I will not give up my right when someone is abusing my identity against my mortgages and treating me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 have sent multiple letters to credit reporting agencies that there was a data breach and my information has been stolen and also inaccurate. They are also reporting information without my consent committing fraud which violate my rights under the FCRA. There are also closed accounts being reported as a similar name and different addresses or with a totally different name. Under the FCRA I deserve 100 % accuracy. Some of the credit reporting agencies are using stall tactics to continue to report fraud on my reports which is causing great harm and damages to my credit worthiness.

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 2025-04-29 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 have sent multiple letters to credit reporting agencies that there was a data breach and my information has been stolen and also inaccurate. They are also reporting information without my consent committing fraud which violate my rights under the FCRA. There are also closed accounts being reported as a similar name and different addresses or with a totally different name. Under the FCRA I deserve 100 % accuracy. Some of the credit reporting agencies are using stall tactics to continue to report fraud on my reports which is causing great harm and damages to my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One after being informed that my account was permanently restricted from opening a checking account. When I called, I was told that this was a final decision but was given no specific reason only that the matter was confidential. I was not accused of any wrongdoing directly, but the lack of transparency makes it feel as though I am being treated as if I engaged in illegal activity. 

The issue appears to stem from payments I received that Capital One found suspicious. However, I fully explained the nature and legitimacy of those transactions, and there were no chargebacks or disputes involved. Despite providing clarification, my account was still permanently restricted, and no further review or explanation was offered. 

I attempted to escalate the matter through customer service, but they were unable to assist or provide any meaningful response. At this point, it is unclear why this action was taken, and I feel I am being unfairly penalized without due process or the opportunity to resolve the concern. 

I am requesting a detailed explanation for the restriction and a reevaluation of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
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 explanation
Consumer complaint received 2025-04-29 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: MD

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Experian continues to disregard federal law by allowing non validated debts to be reported to my credit file.

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 2025-04-29 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$280.00} XXXX XXXX * * * * Balance : {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-29 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: GA

Complaint narrative:
Identity Theft, Fraud, reported to my credit reports, I have challenged this account multiple times and writing in care of the CFO of both, XXXXXXXX XXXX and XXXX, both refused to remove the account that they willfully have been reporting on my XXXX credit reports Experian, Equifax, and TransUnion. I have filed multiple police reports and been denied here recently XX/XX/year>. 
Secondary, they are reporting a CHARGE OFF which by IRS definition is considered income and CAN NOT be reported by the Credit Reporting agencies as a debt as it was already accounted for as taxable income or write off. This is illegal and unlawful.

NOTICE To both Trustees and responding letters PROVE ALL the fraud, racketeering, peonage, violence, and harassment that these incompetent Executives have committed by XXXX Bank and XXXX. Their principal Trustee is XXXX XXXX XXXX, XXXX, also known as XXXX XXXX, is a privately-held online retailer. They operate a portfolio of brands, including XXXX, XXXX XXXX, and others, offering a variety of products and services to a diverse customer base, according to 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 2025-04-29 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:
Identity Theft, Fraud, reported to my credit reports, I have challenged this account multiple times and writing in care of the CFO of both, XXXXXXXX XXXX and XXXX, both refused to remove the account that they willfully have been reporting on my XXXX credit reports Experian, Equifax, and TransUnion. I have filed multiple police reports and been denied here recently XX/XX/year>. 
Secondary, they are reporting a CHARGE OFF which by IRS definition is considered income and CAN NOT be reported by the Credit Reporting agencies as a debt as it was already accounted for as taxable income or write off. This is illegal and unlawful.

NOTICE To both Trustees and responding letters PROVE ALL the fraud, racketeering, peonage, violence, and harassment that these incompetent Executives have committed by XXXX Bank and XXXX. Their principal Trustee is XXXX XXXX XXXX, XXXX, also known as XXXX XXXX, is a privately-held online retailer. They operate a portfolio of brands, including XXXX, XXXX XXXX, and others, offering a variety of products and services to a diverse customer base, according to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against P & B CAPITAL GROUP LLC regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PBCAPIGRP ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$2500.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with P & B CAPITAL GROUP LLC but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am disputing late payments reported after closure of my secured account. Regions improperly re-aged the account after applying my security deposit, restarting the delinquency clock. Per FCRA rules, the original delinquency date must be honored and no new late payments should be reported after security deposit application. The secured savings account closed XX/XX/XXXX. For added proof, Regions Bank never accessed late fees to the remaining balance but still reported the late payments. The remaining balance amount should have been sent to collections but it continued to be reported some months negatively for 7 additional months on my credit report. Regions Bank improperly re-aged my secured credit card account after applying my security deposit and closing the associated savings account. They continued to report late payments beyond the original delinquency date, in violation of the Fair Credit Reporting Act ( FCRA ). The original delinquency date must control the 180-day charge-off timeline, and it can not be reset by closing a secured deposit or applying funds. As you can based on my credit report the 180 days started in XXXX of XXXX and ended XXXX of XXXX. I disputed this several times with no action. Regions also failed to properly close the account. I have bank statements for the secured credit as late as XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-29 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:
Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX FTC Identity Theft Report Number : XXXX Date of Identity Theft Statement : XX/XX/year> Subject : URGENT IDENTITY THEFT COMPLAINT REMOVE UNAUTHORIZED CREDIT INQUIRIES IMMEDIATELY To Whom It May Concern, I am a confirmed victim of identity theft, supported by my official FTC Identity Theft Report ( # XXXX ). As part of the fraud, unauthorized inquiries have been made to my credit file without my knowledge, consent, or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681c-2 Blocking of information resulting from identity theft 15 U.S. Code 1681e ( a ) Reasonable procedures to assure maximum possible accuracy The following inquiries were made fraudulently and must be permanently removed and blocked from reappearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) These inquiries were not authorized by me, and I have never applied for credit with these institutions. Their presence on my credit file violates the FCRA and constitutes a breach of my consumer rights. 

I DEMAND the immediate and permanent deletion and blocking of these inquiries from all three consumer reporting agencies under my rights granted by 15 U.S.C. 1681c-2, and expect a written response and confirmation of removal within 5 business days. If you fail to take appropriate action, I will pursue legal remedies including statutory and actual damages under 15 U.S.C. 1681n and 1681o. 

This identity theft has already caused serious harm, and any delay or negligence in correcting these records will result in legal escalation. 

Sincerely, XXXX XXXX XXXX FTC Report Number : XXXX Date : XX/XX/year> 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 2025-04-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief