vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have had XXXX  since XX/XX/XXXX, and I obtained these services online. I secured a loan with Citizens Bank, but my credit report reflected a delinquent account that did not belong to me, nor did I authorize it. I attempted to dispute this information and reached out to the company, but the dispute was unsuccessful. This is against my rights as a consumer, and I request the removal of this invalid account and its associated information from my credit report. This issue is negatively impacting both my business and personal life, making it difficult to obtain additional credit. I am a victim of identity theft, and I reported my personal information being leaked on social media. I contacted my local authorities and filed a police report. Additionally, I filed an identity theft report on XX/XX/XXXX. I have been a XXXX  customer since XXXX and continue to use their services as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-28 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: WI

Complaint narrative:
XXXX XXXX XXXXexperian.comXXXX The report is stating that is closed and a charge I also have disputed this before and they put it back on my report and and the report is listing incorrect address my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Wisconsin and I have disputed them also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
I'm trying to change my address and get in touch with someone for the settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
RE : TransUnion, XXXX, XXXX, FICO, et al, Related to spousal exploitation, attorney malpractice, judicial malpractice, and Civil Rights violations, documented, reported, unresolved. See myriad reports of bad actors resulting in numerous crimes against me including, but not limited to, stalking, harassment, invasion of privacy, intellectual property theft, cybercrime, libel, defamation, fraud, Borrower Defense to university misconduct, etc. Thank you for your attention and protection from this continued abuse, and resolution in the matters with recourse and redress for exponential damages. 

XXXX 2024, I reported the matter of credit reporting to TransUnion disputes , and the erroneous credit rating has since worsened. 

XX/XX/year>, via USPS mail, XXXX XXXX  invited me to apply for a credit card to which I did not respond. 

XX/XX/year>, the XXXX website invited/enticed me to apply for an XXXX XXXX credit card to receive a discount on my order, for which I applied and was rejected, and which presumably further damages the credit report. 

I have already filed CFPB and FTC complaints against these companies/predators to which I have no knowledge, communication, contract, and/or obligation, yet they continue damaging my economic, financial, and personal reputation. 

I am facing imminent eviction, and I can not pass a credit check for housing, or other necessities, meaning that this economic XXXX and Civil Rights violations are creating and ensuring my homelessness while protecting and perpetuating illegal business practices, and illegal judicial practices while the guilty parties proceed with negligence and non-accountability. 

I accept no responsibility and/or accountability for any such debt, credit reporting, and/or any other libel and defamation caused to me by these bad actors including, but not limited to, merchants, banks, credit agencies, credit reporting agencies, collection agencies, loan servicers, government agencies/representatives, et al. 

As a reminder, I dispute the entirety of credit reporting, I take no responsibility and/or accountability for any information therein, and I expect redress for exponential damages and XXXX XXXX 

Given as I take no responsibility and/or accountability for these damaging debts and/or credit reports, I take no responsibility and/or accountability for disputing any such reports in this theft and defamation of my identity, and predatory revenue creation at my expense. 

Be advised, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : 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 2024-12-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 


Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX  XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$11000.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXX XXXX  XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 


Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$600.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX Ohio XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} Ohio XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXXXXXX XXXX XXXX  {$4900.00} Date Opened XX/XX/XXXX XXXX  Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
Equifax is notorious for reporting out dated, fraudulent, inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi there, I have a CapitalOne XXXX credit card. On the CapitalOne shopping portal, I saw an offer to sign up for the XXXX investment platform. The offer stated I would get XXXX CapitalOne miles after signing up for XXXX, and another XXXX miles for becoming an accredited investor on XXXX. 

I saw this offer on XX/XX/XXXX after signing in to my CapitalOne account. I immediately signed up for XXXX, and submitted paperwork required to become an accredited investor. I have confirmation emails from XXXX. 

The CapitalOne shopping portal shows my shopping trip, but does not show it as completed. Either XXXX or CapitalOne is not crediting the signup and accredited investor step. Ive contacted XXXX, they said this is a CapitalOne promotion and I need to contact them. Ive contacted CapitalOne, they said they arent seeing my visit in their system, although their shopping trips function shows it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
Well this was back XXXX XXXX when reached out for help to Lexington law firm, living in a apartment trying to get a house so I contact them to help me remove stuff off my credit they told me to get started i had to pay XXXX an the same each month after that until it was done an they promised to keep me updated on the progress but never did XXXX kept taking money off my card for years then I notice more bad reports going more on my credit reached back out no answer. I don't have any documents for this cause I never got sent anything from them but emails which I no longer have that email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: EdFinancial Services
State: IL

Complaint narrative:
I tired to pay my student loans on Edfinancials website but they keep on reversing my payment even when it was the correct information as they only ask for a routing number and account number as they havent been super helpful on helping me pay my student loans. I have kept trying to pay but it seems they dont understand that the info that is provided to them is correct as I called my own bank if Ed financial even attempted to take money out as they said they have not tried to and told me to talk to a customer service representative to see what is going on as when I did that they just keep saying the same thing which is not helping me to pay for my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Starting in late XXXX, someone used my Citi XXXX and made a lot of purchases. I was not alerted to these charges. When I got the statement I informed them. I tried to go through the charges on the phone that were not valid, but the agent was speaking very fast and had a strong accent. When I got a written statement, I circled all the charges that were valid and paid for them. 

There was one charge for {$54.00} dollars that remained. I did not make that purchase. On the statement it did not say what it was for, but after innumerous phone calls, finally an agent told me it was for a video game. I do not play video games. I am XXXX and barely know how to use my XXXX yr old laptop and phone! 

Citi has had 4 months to investigate this charge, and last week they told me to pay this, plus late fees and interest and if the dispute results in my favor they will reimburse me. I already closed my account. At the time of the first call, they cancelled my card and sent me another. I stopped using Citi completely, but charges continued on my new number. I called to report it. They cancelled that card, and sent me another, which I did not activate. Even without being activated, someone was charging using my number. Those charges were thankfully rejected, because they were made every day, in the same amount to the same place. Something very wrong is going on with Citi XXXX and I want this dispute resolved and my clean. I have a near perfect credit score, now Citi is trying to tarnish charging me for something I didn't buy. I appreciate your help.

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 monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Its been a few years ago but the amount of the money was {$550.00} total for everything they took over a period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
Central Portfolio Control Balance {$1700.00} Open XX/XX/year> I have disputed this twice and the company marked it verifiable with no documentation I requested. I asked them to remove it within 30 days via XXXX XXXX, if no proof was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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