vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX XXXX XXXX XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX ( opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXXXXXX XXXX XXXX  accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXX XXXX  opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX  opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX ), XXXXXXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXX  ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

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 2025-05-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from Experian, TransUnion, and Equifax. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXXXXXX XXXX XXXX accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), ADS/ XXXX XXXX XXXXXXXX XXXX XXXX  XXXX opened XX/XX/XXXX )XXXX XXXX XXXX XXXX opened XX/XX/XXXX )XXXX XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, two loan accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, and two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
Im a cobuyer for a vehicle me and my daughter own .. my daughter and I purchased vehicle in XXXX XXXX XXXX down the road she had a couple insurance policies on vehicle because she primary driver .. she was facing hardship and ended having an affordable insurance policy on vehicle XXXXXXXX XXXX XX/XX/year>.. but it was not full coverage policy and she didnt know what policy she had .. she received a call or mail from the finance company found she didnt have full coverage and needed to provide full coverage documentation .. she then purchased full coverage insurance since XX/XX/year> and emailed finance company and over the phone she talked to agents and they stated the format on sendind the documents had to be on XXXX  form or just cleared pictures to show proof .. that being said shes been sending documents and calling the agents on the phone to see if they received it and if she was missing anything but they are horrible they hardly answer ther companys phone and when they do they transfer the call and then the other line hangs up .. always transffering us to voicemails so we had left voicemails and never get a call back?????? we have all the proof of monthly payments we been doin to the finance company and we carry full coverage insurance but they seem to not adjust our loan amount because it keeps showing higher amount balance!!! its not fair ther not in compliance i dont know whats going on and why we havent gotten answers or a call back or emails!!! we dont want to stop payin for the vehicle because we dont want to damage our credit!!! we want for them to adjust our loan balance so we can refinance somewhere else

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), 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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, two loan accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, and two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'Capital one closed my account sir so they said they did in XXXX XXXX No activity until  a deposit from irs landed XXXX   The bank failed to notify me that they received a deposit. I had no knowledge of the deposit till I did some digging and found out where my money went. I contacted capital one to settle payments. Capital one would not take payment to close account. Owing them less than XXXX. While the deposit was for XXXX They proceeded to tell me that I cant access my funds. They had no right to keep money that was not owed to them. Withholding XXXX They took the money owed and refused to return funds amounting to XXXX for no legal reason. They failed to notify me that they received funds from the federal government and processed to used thosed funds with out my knowledge and refuse to release funds that they have no right to beholding seeing that the past due amount on the account has been taking care of.  So they are stealing lying and using my funds and my account I have no control over. Which I believe is identity theft. I have phone records of me trying to pay the XXXX owed and beginning to close the account to receive funds they have no legal right to beholding seeing that withholding from me. I tryed to do this for a total of XXXX XXXX XXXXours and they still refused.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I am reaching out regarding my credit report, I am a victim of the EQUIFAX DATAT BREACH. And I am requesting that your agency cease and decisitthe reporting of this account. 15 USC 1681c ( 2 ) 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 in an alleged identity theft not later than 4 business days after the date of receipt. That time has passed and you are in fact In violation of my consumer rights.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I was scammed out of {$350.00} via XXXX money transfer. The transaction was a half payment upfront for truck front and rear XXXX  shocks and the remainder once I received the item. The listing was through XXXX XXXX and was {$650.00}. The listing owners name was XXXX XXXX from Wisconsin. His phone number I was text messaging him through is XXXX. The XXXX payment was made to his wife XXXX XXXX. The XXXX confirmation ID is XXXX. XXXX XXXX phone number is XXXX. I found out after the payment was made that it was a scam by finding another listing with the same pictures by a different alias. The alias name is XXXX XXXX in Mississippi. I posted the scam information in other XXXX groups and XXXX member said they were scammed the year prior to this. XXXX more aliases were mentioned in the group post. XXXX alias was XXXX XXXX from XXXX, Wisconsin and the other was XXXX XXXX from Wisconsin. I have contacted XXXX and contacted my bank which is USAA Bank and have not had any updates nor refund. I have not received the item that was in the listing, and the listing owner has not contacted me after the scam.

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 2025-05-01 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: TX

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 explanation
Consumer complaint received 2025-05-01 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:
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 2025-05-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-05-01 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the XX/XX/XXXX Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: GA

Complaint narrative:
When student loan payments resumed after the COVID-19 payment pause, I was not notified by MOHELA. The contact information on file was outdated an old address, phone number, and email and I received no billing statements, emails, or alerts indicating that payments were due. As a result, I had no way of knowing that my federal student loan was active again and required payment. 

I became aware of the issue on XX/XX/XXXX when I received a notification from a credit bureau alerting me to a drop in my credit score. After a thorough investigation, I was able to locate my MOHELA account, update my contact information, and initiate autopay on Friday, XX/XX/XXXX. 

I was and remain financially capable of making my loan payments. Had I received any notification or bill, I would have paid on time. The 90-day late payment mark on my credit report is deeply damaging and was entirely avoidable had proper communication been in place. 

I am respectfully requesting that MOHELA remove the late payment from my credit reports as a one-time courtesy due to the unusual circumstances and lack of notification. I would also appreciate confirmation that my contact details are now current to prevent any future issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
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 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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