vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I had my credit report pulled on XX/XX/XXXX by a single auto dealership. They ran my report through multiple lendersXXXX XXXX XXXX XXXX  recognized these inquiries as all auto financing inquiries and categorized them as such. 
Transunion did not categorized them the same so I have multiple hard inquiries on my report for the same day and same financing attempt. 
There is no way to dispute hard inquiries on Transunion 's website so I had to call them. After multiple department transfers and conflicting information, I was told by a representative in XX/XX/XXXX, that they were looking into this issue and would contact me once they had a resolution in place. XXXX months later, I have not heard back, the problem isn't resolved, and when I called back again, I was getting the same lack of resolution as the other attempts. I need these XXXX hard inquiries from XX/XX/XXXX to be only XXXX. This is affecting my overall credit worthiness and score, and has ultimately affected my interest rates and finances over the past 19 months.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I learned on XX/XX/year> all of my Capital One credit cards were restricted. I called customer service on XX/XX/XXXX and they informed me the accounts have been closed. I had a few returned payments which may have flagged it, but I never received notice and was not given a chance to make the payments right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NM

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Transunion, equifax, and Transunion are reporting inaccurate information on my credit profile. Attached is the documents I sent to them.

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 2025-04-17 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:
Transunion, equifax, and Transunion are reporting inaccurate information on my credit profile. Attached is the documents I sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
i submitted a complaint agaist a crypto exchange for fraudulent taking money out of my checking account XXXX transactions totaling {$18000.00} claim number XXXX i file a dispute with the bank XXXX and they mailed me documents to fill and sign within XXXX  days of receiving those documents, i receive the paperwork and fill them and sign on time and email them back to them per their request via email, XXXX on XX/XX/year>. i Do have a time stamp from the email i sent to them as prove! after i keep calling and ask about my dispute the dispute department said the claim was closed due to time expired because they did not receive the document on time, I did sent all documents on time or before however the dispute department fail to look into their email server and see that those documents were sitting there and the bank fail to retrieve and look at those emails, i continue to call and spoke to a supervisor for that matter and explain what traspire and she understood and ask me to resend to same email on file and i did so XXXX more time and after several months they keep saying that claim was closed due to out of time frame, due to their failure and neglect to look in their email server were those document were! and now they refuse to pay me! shame on them!! 

i will attach the first email with time stamp to show that i did sent per their request and sever time more i keep emailing same documents, you can see how many times i email them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
# XXXX XXXX Compliance Static Removal Letter XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian Information Solutions XXXX. XXXX XXXX XXXX, TX XXXX * * RE : Improper Reinsertion of Previously Deleted Information * * * * Reference : XXXX XXXX  XXXX ( XXXX ) ( B ) * * To Whom It May Concern : I am writing to formally dispute the improper reinsertion of previously deleted accounts on my credit report. This letter serves as my written notice under the Fair Credit Reporting Act ( FCRA ) that accounts were reinserted WITHOUT MY CONSENT in direct violation of XXXX XXXX  XXXX ( XXXX ) ( B ). 

The following accounts were previously removed from my credit report and have been improperly reinserted : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Account Type : Collection Under the FCRA, specifically XXXX XXXX. XXXX ( XXXX ) ( B ), information that has been deleted from a consumer 's file may not be reinserted unless : XXXX. The person who furnishes the information certifies that the information is complete and accurate, AND XXXX. The consumer reporting agency notifies the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. 

I have received NO such notification of reinsertion as required by law. Additionally, these accounts are being reported with inaccurate information in violation of XXXX XXXX reporting standards. 

Therefore, I demand that you : XXXX. Immediately remove these improperly reinserted accounts from my credit report XXXX. Conduct a reasonable investigation as required under XXXX XXXX. XXXX XXXX. Provide written confirmation of the deletion within XXXX  days XXXX. Provide documentation showing the certification from the furnisher authorizing reinsertion ( if any exists ) XXXX. Explain why I was not notified of the reinsertion as required by law Be advised that failure to comply with this request constitutes a willful violation of the FCRA. Under XXXX XXXX. XXXX, willful noncompliance may result in : XXXX. Actual damages sustained by the consumer XXXX. Punitive damages as the court may allow XXXX. Costs of the action together with reasonable attorney 's fees I expect your prompt attention to this matter. Please respond in writing within XXXX days of receipt of this letter. 

Sincerely, XXXX XXXX Enclosures : - Copy of identification - Previous credit report showing deletion of accounts - Current credit report showing improper reinsertion

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 2025-04-17 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OK

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-17 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: NY

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 2025-04-17 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: VW Credit
State: FL

Complaint narrative:
I have one missed payment on my credit report that is inaccurate. The missed payment is on XX/XX/year> that is reporting negative on my credit report. It was disputed and investigated. It was as approved per my dispute to be updated to no missed payment and it still is showing XXXX missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Row A XXXX NJ XXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Experian, Transunion, Equifax Request for Removal of Fraudulent Personal Loan from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent personal loan that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MO

Complaint narrative:
I did not apply for, authorize, or in any way initiate this account, and its presence on my credit report is not only inaccurate but damaging. I take identity theft seriously, and I expect this matter to be treated with the urgency and seriousness it warrants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm account is showing as a loan on my report and its a but now pay later account. Which isn't showing incorrectly on my report and tried to dispute but experian refuses to remove. 

This account is improperly coded. It is currently coded as CFA, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
After reviewing my credit profile report I noticed a few accounts that were opened in my name that I did not open, I contacted the companies and they refused to remove them, I also submitted multiple disputes and the credit agency but nothing happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
After reviewing my credit profile report I noticed a few accounts that were opened in my name that I did not open, I contacted the companies and they refused to remove them, I also submitted multiple disputes and the credit agency but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NM

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me 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 2025-04-17 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/year>, my XXXX  XXXX XXXX was repossessed. At the time of repossession, I had approximately {$20000.00} remaining on the auto loan. After the vehicle was taken, I was informed that it was sold for only {$10000.00}. 

Following the sale, I was told that I still owe a remaining balance of {$11000.00}. I believe this amount is excessive given the original loan balance and the sale price of the vehicle. I have not received a full breakdown of how this deficiency balance was calculated, nor was I provided with proper documentation regarding the sale of the vehicle or any opportunity to redeem the car before it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation