vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: DE

Complaint narrative:
XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries & Demand for Immediate Removal To Whom It May Concern, I am writing to formally dispute unauthorized inquiries on my Equifax credit report. I recently reviewed my credit file and found inquiries from " XXXX '' that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances, including with the explicit authorization of the consumer. I have never given such authorization for these inquiries. 

Equifaxs response stating, " XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' is unacceptable. The FCRA mandates that only inquiries made with a permissible purpose, such as with my explicit consent, can remain on my report. Since I did not authorize these inquiries, their presence constitutes a violation of my consumer rights. 

I demand the immediate removal of these unauthorized inquiries from my credit report. Additionally, I request a written confirmation of their deletion within 30 days, as required under 15 U.S.C. 1681i of the FCRA. Failure to comply with this request will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Furthermore, should Equifax continue to report unauthorized inquiries in violation of the FCRA, I will pursue monetary relief, including but not limited to damages for negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, which allow for statutory damages up to {$1000.00} per violation, in addition to court costs and attorneys fees.

Please treat this matter with the urgency it deserves. I expect a full resolution within the statutory timeframe. If no action is taken, I will have no choice but to escalate this matter through legal means. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Never received a response about my compliant that the XXXX XXXX Account had changed and offered a higher interest rate. I made XXXX attempts to have someone contact me. No one ever has. I only found out about the change when I called in and was asking a question about my account, The representative I spoke to ask me to go to my account, and that's when he informed me that they had changed to a better Money Market Account offering a higher return. He said it was about 2 years since the changed, but I was never contacted or informed in any way. I feel this cost me over {$2000.00}. 
I feel CapitalOne is more interested in getting new customers than taking care of existing customers. I found no email I could use, no chat line, and only could leave a message in hopes someone would care enough to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Bank Account # XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-25 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Bank Account # XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
I do not want XXXX obtaining my personal information for my student loans. I believe that I have a right to privacy, including my financial information. I do not know who is overseeing this organization and I do not give my consent to release it to anyone. I am worried about how my information may be used by the Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian block the following fraudulent accounts, inquiries, and associated addresses from my consumer credit report. These accounts, inquiries, and addresses are the result of identity theft and fraud. 

As mandated by the FCRA, I expect Experian to take action within four business days of receiving this complaint. 

The following names have been fraudulently associated with my credit profile and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at nor used the following addresses, and they must be removed from my credit report : XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX The following employers were fraudulently added to my credit report and should be removed : XXXX XXXX XXXX XXXX XXXX I did not authorize the following credit inquiries, which resulted from identity theft. They must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX following accounts were not opened, made, or initiated by me and must be permanently blocked from my credit report : XXXX Acct XXXX XXXX XXXX Balance : {$0.00} | Opened : XX/XX/XXXXXXXX XXXX  XXXX Acct : XXXX | Balance : {$1200.00} | Opened : XX/XX/XXXX Capital XXXX Acct : XXXX | Balance : {$1600.00} | Opened : XX/XX/XXXX Capital XXXX Acct : XXXX | Balance : {$2400.00} | Opened : XX/XX/XXXX XXXX Acct : XXXX | Balance : {$3100.00} | Opened : XX/XX/XXXX To support my claim, I have attached the following documentation, which has previously resulted in the successful removal of these fraudulent accounts, inquiries, and addresses from other credit bureaus : Illinois XXXX Drivers License Social Security Card FTC Identity 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the inaccurate personal information listed on my consumer report. My correct and only address is XXXX XXXX PL XXXX, Unit XXXX, XXXX XXXX, FL XXXX, and all other addresses must be deleted to ensure compliance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Additionally, my full legal name is XXXX XXXX XXXX, and any other name variations must also be removed to prevent confusion or potential misattribution of accounts. My current employer is XXXX XXXX, and any other employer listings must be updated or removed accordingly. Failure to correct these inaccuracies constitutes willful non-compliance with the Fair Credit Reporting Act and may result in liability under 15 U.S.C. 1681n, entitling me to statutory damages of {$1000.00} per violation, along with punitive damages and legal fees. I request the immediate deletion of all inaccurate personal information and written confirmation once this correction is made.

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 2025-02-25 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: OH

Complaint narrative:
I am writing to dispute an inconsistency in my credit report regarding the balance reported for my XXXX XXXX account number # XXXX. After reviewing my credit reports from multiple credit bureaus, I noticed that the balance for this account differs between reports. Specifically : XXXX reports a balance of {$5900.00} Equifax reports a balance of not on there XXXX reports a balance of XXXX I am filling this complaint regarding an inaccurate item on my credit report. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my tue credit history.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Here are the messages : From : You Sent : Friday, XX/XX/year>, XXXX XXXX  ( ET ) To : Comenity Bank Subject : Late Fees or Finance Charges Message ID : XXXX Really I paid on the XXXX and you didn't post till the XXXX and the had the audacity to charge a {$2.00} interest fee on top? I will just close this account and you can write off your ludicrous charges! 
Bread Financial Feedback From : Comenity Bank Sent : Monday, XX/XX/year>, XXXX XXXX  ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. Please accept our apologies for any inconvenience you've experienced. 
You are our valued customer and we want to provide you with the best possible service. I would personally love the opportunity to resolve any issues on your account. 

Please be informed that we charge late fees when the full minimum payment is not received by the posted cut-off time on your scheduled due date. Any payments submitted after XXXX XXXX. EST on your due date will be applied to your account the following day, incurring a late fee. 

We changed the payment cutoff time as a business decision to produce greater organizational effectiveness. 

To make sure your payments post on time, you can pre-schedule one-time payments on Account Center or have you thought about setting up automatic payments? Auto-Pay is popular because it lets you " set it and forget it. '' Also, please be informed that each payment is posted the day it is received, whether a Saturday, Sunday or a holiday. However, we suggest you to make a minimum paym

ent one day before your due date to avoid late fee in future. Your account was assessed a minimum finance charge. Finance Charges are assessed to the account when an outstanding balance is carried over from one billing c
ycle to the next. In the event, a balance is rolled over from one billing cycle to the next, the interest assessed to the account will be a minimum of {$2.00} or calculated on the average daily balance of your account whichever is the greater amount per the terms of your credit card agreement. If the balance is small and the interest calculation equates to less than {$2.00}, the minimum interest charge of {$2.00} will be assessed to the account. We definitely don't want to lose you as a customer. 
Hence, we have credited the finance charge of {$2.00} to your account as per your request. You can expect to see the credit applied to your account in 2-3 business days.

If you still wish to close your account, you may write us back. Thank you for reaching out to us. If you have any questions, please click the reply button. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Now they are charging me {$50.00} a month for a balance I do not owe, they said they credited the balance off. This has messed up my credit horribly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the inaccurate personal information listed on my consumer report. My correct and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and all other addresses must be deleted to ensure compliance with 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Additionally, my full legal name is XXXX XXXX XXXX, and any other name variations must also be removed to prevent confusion or potential misattribution of accounts. Failure to correct these inaccuracies constitutes willful non-compliance with the Fair Credit Reporting Act and may result in liability under 15 U.S.C. 1681n, entitling me to statutory damages of {$1000.00} per violation, along with punitive damages and legal fees. I request the immediate deletion of all inaccurate personal information and written confirmation once this correction is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  XXXX/XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX The following inquiries were not and should not be 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 2025-02-25 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: GA

Complaint narrative:
My credit report is showing fraudulent accounts on it, that have already disputed and had removed from my credit report, since the accounts have returned I have disputed the accounts again and this credit bureau continue to let the fraudulent accounts and information remain on my credit report. 

These accounts have returned on my credit report with fraudulent address and a different company name, and this credit bureau is allowing it to remain. 
Accounts : 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 non-monetary relief