vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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:
These accts arent mine, I have repeatedly showed proof that these accounts are not mine with letters and ftc reports, they have yet to show proof these are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$890.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$550.00}

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 non-monetary relief
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. Despite multiple dispute attempts, the reported accounts contain errors that have not been corrected. I have taken the necessary steps to address these inaccuracies, but the companies involved have either failed to respond appropriately or have continued reporting incorrect information. The Disputes dates are all attached to my Identity Theft 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 2025-02-22 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: NC

Complaint narrative:
I have several collection agencies on my reports with Transunion, Equifax, and Experian which I can not get them to send me a forward flow agreement to validate the debt and that they own it. They continue to keep the information on my report listed and it is inaccurate and causing my report to be reduced.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several collection agencies on my reports with Transunion, Equifax, and Experian which I can not get them to send me a forward flow agreement to validate the debt and that they own it. They continue to keep the information on my report listed and it is inaccurate and causing my report to be reduced.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
Company allowed unauthorized personnel to access information on my accounts. Now my information is compromised

Company response to consumer: Untimely response
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  DATE OPENEDXXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had to leave the US because my XXXX expired and I wasn't able to renew it, so I have to pay my credit card balance from XXXX where I am currently living. 
The problem is that my bank keeps charging me late fees for late payments, but my late payments are because my account has been blocked a bunch of times I have called the bank to fix it, unsuccessfully because they didn't fix the problem. 
The last time it was finally fixed after an hour with customer service, I paid all the late fees and some of my credit and now they are charging me a late fee again. 
I am spending more money between the calls and the unreasonable fees than the credit I have left, so right now I have no job, I can not come back to the states yet, I would rather be blocked from any account or anything in this bank than continue with this. 
So I would like to report this and have my Chase account frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
I have tried calling Experian time and time again about the unauthorized and unverified inquires on my account, but a representative never gets on the line. Its sad that you cant even get in touch with his company reporting false information

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 2025-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My credit report shows the Capital One reported that I had XXXX late payments on XXXX of my cc 's that is completely incorrect I did not have any balance on that card. 

This has been an ongoing issue with Capital One and they refuse to remove that from my credit report this is illegal. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have notified Equifax on at least 6 different occasions in XXXX that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. On 2 occasions they removed them and reinserted the same inquiries within 30 days. Equifax continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request Equifax to remove the following ( 13 ) inaccurate, unverifiable, fraudulent inquiries from my 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perpay, Inc.
State: OH

Complaint narrative:
I lost my purse with all of my personal items including my phone in the middle of XXXX, shortly after I started receiving calls and emails about accounts and payments that are not mine. I received emails saying my information was listed on the XXXX XXXX. I reported the theft and the accounts popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I'm being sued by a law group representing a credit card collection agency. I was served 3 days ago for {$1400.00}. I had XXXX servers waiting at my door when I got home. The credit card is from XXXX and my last payment was XX/XX/XXXX. XXXX hit and I was out of work. They filed a summons and complaint on XX/XX/XXXX. The XXXX statute of limitations is 4 years from your last payment made, plus I received nothing my mail or any other means

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had a care credit account for over XXXX plus years, in good standing. 
Out of the blue, without my permission, the company closed my account, in part saying that I was late on XXXX payment with another credit card ( not theirs ) and that my debit was too high. 

This should not matter since my debit I owe as actually gone down in the last month and my credit score has increased in the last month. 
I understand I haven't used the card in quite sometime, but it is nice to know it is there when I need it to be,

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 2025-02-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Experian, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last XXXX : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account

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 2025-02-22 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: Fidelity National Financial, Inc
State: CA

Complaint narrative:
XXXX loan servicing put XXXX unrecognized inquiries on my XXXX credit report. 

Here are the dates XXXX XXXX, XXXX XXXX and XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
This XXXX XXXX XXXX account was charged off on the following date of XXXXXXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX BALANCE {$27000.00} Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
am writing to formally file a complaint against Apple Card, issued by Goldman Sachs, regarding their deceptive and unethical handling of a dispute on my account. 

After initially notifying me that my dispute was unsuccessful, Apple Card/Goldman Sachs rebilled the amount to my account. However, instead of returning the funds to the merchant, XXXX, as required, they retained the moneyengaging in what appears to be a fraudulent scheme involving double-charging and misappropriation of funds. 

Furthermore, upon noticing this unethical practice, I contacted Apple Card/Goldman Sachs and explicitly requested that they return the rebilled amount to the merchant. Instead of honoring my request, they unjustifiably reopened the dispute, despite my clear instruction not to do so. This blatant disregard for customer instructions and ethical financial practices highlights severe misconduct and potential corruption within their operations. 

Their actionsfailing to return funds to the merchant while simultaneously rebilling meconstitute financial fraud and exploitation. I urge the relevant authorities to thoroughly investigate Apple Card and Goldman Sachs for their deceptive practices and impose appropriate penalties to prevent further consumer harm. 

I request an immediate review of this matter and demand that my rebilled funds be returned to the merchant as initially intended. I also call for stronger oversight and regulatory actions against these predatory financial practices. 

Please let me know the next steps I should take to escalate this complaint. I appreciate your time and assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EQUIFAX, 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, has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
Not happen they failed to even reach back out to me after sending out numerous of letters

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 2025-02-22 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: Kikoff Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : KikOff, XXXX XXXX XXXX XXXX  Inaccuracy : This account does not belong to me Correct Information : This account does not belong to me Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court.

I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on file, or contact me for better contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation