vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX  for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX allowed this fraud to occur, and both XXXX and Equifax have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My husband is a military veteran, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXX XXXXXXXX XXXX, the charge-off was removed after the filing XXXX XXXX XXXX XXXXm. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX allowed this fraud to occur, and both XXXX and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My XXXX XXXX XXXX XXXX XXXX, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXX XXXXXXXX XXXX, the charge-off was removed after the filing of a 1099 form. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
around early XXXX i got a text from a postal office or so i thought it was. i was in XXXX, XXXX and recently shipped a package so i thought it was legit. i put in my information and of course it was not a real website. couple of weeks went by and i got a text from someone saying charges were being made on my card. i texted NO it wasnt me and i got a phone call from navy federal it was a spoofed call. the mans name was XXXX and he said he was my case provider and that a loan of XXXX was being charged to my account. he then had to go in my XXXX XXXX and transfer money to a card that he listed. yes seems very silly but at that time it wasnt XXXX and i was in XXXX XXXXXXXX in the cold outside because i couldnt get service inside. from there the phone call ended and i thought nothing of it. the next XXXX i then realized i got scammed and i felt so stupid. i submitted a claim and was given my XXXX back and i thought the claim was approved. couple weeks later the XXXX was negative in my account. i called them again and they said it was cuz my claim was denied and i could submit a appeal and so thats what i did. i wasnt going to pay the negative fees in my account but then somehow it went even and i never did it. ive submitted a couple appeals with evidence and its been weeks and ive not heard anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXXXX/XX/year> I seeing that it was reported for information towards a fraud account. Im trying to get information on the chime account that I was applying for which the company say that I already had an account with them that I wasnt aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
Despite notifying the Credit Reporting Agency ( CRA ) the CRA has failed to conduct a proper and thorough investigation into the fraudulent activity. Instead, the investigation was a sham, done with no real effort to uncover the truth or resolve the issue. This negligent handling has caused significant damage to my credit, and I have yet to see any resolution. I believe the CRA has engaged in discriminatory practices, particularly against XXXX individuals like myself. The CRAs failure to properly investigate this fraudulent activity and the harm caused disproportionately impacts people of XXXX, further putting us at risk of financial harm. Please refer to the attached document regarding the Equifax Data Breach, which highlights the systemic failures of the CRA to protect and properly serve people in my community.

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 2025-03-03 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: LA

Complaint narrative:
FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Personal Statement The remaining inquiries listed below : 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 Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. This letter serves as formal notification of this crime and as an official request to block all fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 605B and 1681s-2.Under section 605B of the FCRA, I request the immediate blocking of the fraudulent entries listed above from my credit report. The details of these fraudulent accounts do not pertain to any transactions made or authorized by me.

Furthermore, pursuant to section 1681s-2 of the FCRA, I request that you ensure that information from these fraudulent accounts is not reported to other credit bureaus, and that you conduct a thorough investigation to prevent further erroneous reporting.

Attached, please find a copy of my FTC Identity Theft Report and a government-issued ID for verification purposes.

I understand that you are required by law to comply with this request within four business days of receipt and to notify me of the results of your investigation promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), 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 ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( XXXX account # XXXX opened XX/XX/XXXX ) ( XXXX XXXX Account # XXXX opened XX/XX/XXXX ) ( XXXX XXXX Account # XXXX opened XX/XX/XXXX ) ( XXXX XXXXXXXX BANK XXXX opened XX/XX/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 .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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The information reported on these reports is in accurate. Could you please verify it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information reported on these reports is in accurate. Could you please verify it?

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 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I contacted Southwest Credit Systems about an account with XXXX. Two separate collection accounts were being reported on my credit report. The second account Southwest XXXX did not even have any record of that. This is my second attempt. They could not validate the debt so I am requesting removal or I will be taking legal action and suing for a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Pursuant to 15 USC1681s-2 as of current sit in violation of the furnishing on consumer credit report. As XXXXXXXX XXXX Address reported is indeed inaccurate currently in dispute with inaccurate reporting with credit bureau. These persists error have place me Financial in distress. Accuracy has completely been disregarded on furnishing credit report. Seeking remedy for willfully reporting such inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>25 XXXX XXXX/XXXX/25

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 2025-03-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 non-monetary relief
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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
Consumer complaint received 2025-03-03 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:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 the following accounts : 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 These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. 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 copies of FTC Identity Theft Criminal Complaints # XXXX, and # 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