vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : Account Name : XXXX XXXX XXXXXXXX Type of disputed information : secured card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Type of disputed information : child support Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.

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 2025-04-16 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-16 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:
I am a documented victim of identity theft ( FTC Report # XXXX, filed XX/XX/year> ) and have submitted multiple police reports, an identity theft affidavit, and formal disputes to Affirm regarding a fraudulent transaction made by XXXX XXXX, an individual who had full access to my home, wallet, computer, and personal information. 

Affirm has refused to honor its obligations under FCRA 1681c-2 and 623 ( a ) ( 6 ) by continuing to report the account ( Loan ID : XXXX ) to Experian as open, despite the account having previously been charged off, closed, and sold to a third-party collector ( XXXX XXXX ). This re-aging and continued reporting constitutes a clear Metro 2 violation and a willful misrepresentation of the tradeline.

I have requested Proof of Validation and Method of Verification on several occasions but have received nothing more than generic internal notes and unverifiable system datano wet signature, no IP logs, no user authorization, no purchase confirmationyet XXXX continues to push the narrative that the account is legitimate. 

XXXX then sold this disputed account to XXXX XXXX, who is now attempting to collect on it, despite the identity theft being formally documented. This constitutes a violation of FCRA 623 ( a ) ( 6 ), FDCPA 809, and my right to have fraudulent information permanently blocked. 

I am requesting : Full deletion of this fraudulent tradeline from Experian Cease and desist from XXXX XXXX XXXX action against Affirm for knowingly reporting and selling a fraudulent account Immediate investigation into Experians compliance with reinsertion and fraud response procedures Formal penalties against all involved for willful violations of the FCRA, FDCPA, Metro 2 reporting guidelines, and state consumer laws I have exhausted all other dispute avenues and will pursue civil litigation. All documentation has been provided and XXXX continues to ignore my rights as a consumer and identity theft victim.

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 2025-04-16 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: January Technologies, Inc
State: GA

Complaint narrative:
I am a documented victim of identity theft ( FTC Report # XXXX, filed XX/XX/year> ) and have submitted multiple police reports, an identity theft affidavit, and formal disputes to XXXX  regarding a fraudulent transaction made by XXXX XXXX, an individual who had full access to my home, wallet, computer, and personal information. 

XXXX  has refused to honor its obligations under FCRA 1681c-2 and 623 ( a ) ( 6 ) by continuing to report the account ( Loan ID : XXXX ) to XXXX  as open, despite the account having previously been charged off, closed, and sold to a third-party collector ( January Technologies ). This re-aging and continued reporting constitutes a clear Metro 2 violation and a willful misrepresentation of the tradeline. 

I have requested Proof of Validation and Method of Verification on several occasions but have received nothing more than generic internal notes and unverifiable system datano wet signature, no IP logs, no user authorization, no purchase confirmationyet XXXX continues to push the narrative that the account is legitimate. 

XXXX then sold this disputed account to January Technologies, who is now attempting to collect on it, despite the identity theft being formally documented. This constitutes a violation of FCRA 623 ( a ) ( 6 ), FDCPA 809, and my right to have fraudulent information permanently blocked.

I am requesting : Full deletion of this fraudulent tradeline from XXXX  Cease and desist from January Technologies Enforcement action against XXXX  for knowingly reporting and selling a fraudulent account Immediate investigation into XXXX  compliance with reinsertion and fraud response procedures Formal penalties against all involved for willful violations of the FCRA, FDCPA, XXXX XXXX reporting guidelines, and state consumer laws I have exhausted all other dispute avenues and will pursue civil litigation. All documentation has been provided and XXXX continues to ignore my rights as a consumer and identity theft victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Dear AMERICAN HONDA FINANCE ; On or about XX/XX/XXXX, I reviewed my credit reports and was alarmed to discover that American Honda Finance reported a 30-day late payment for XX/XX/XXXX on my auto loan account. This reporting came as a complete shock, as I believe all payments were made in good faith according to my understanding of the billing cycle and prior communications. 

During this time period, I was experiencing significant medical emergencies and was also traveling internationally. It is possible that either : My billing statement never reached me due to a temporary address change or mailing disruption. 

My bank account may have been temporarily frozen due to suspected fraudulent activity, impacting the automatic payment process.

Regardless, I have maintained a strong and responsible payment history with American Honda Finance and have consistently managed this account in good standing. This isolated instance is not reflective of my overall payment behavior.

As such, I respectfully request a goodwill removal of this isolated 30-day late entry from all three credit bureausEquifax, Experian, and TransUnion. I am also requesting a refund of any late fee that may have been assessed. I trust that American Honda Finance, known for its commitment to customer satisfaction, will consider this request as a courtesy to a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To whom it may concern, I recently reviewed copy reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of identity theft. these accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is in clear viloation of my Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have made too many attempts to resolve this issue. It has been two years, and it looks like they are avoiding trying to resolve this. This was a charged-off fraudulent account that the debt collectors will not respond to. I have no legal binding with them yet, and XXXX XXXX will not fix this even though they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I don't know this company. I have never received notice about sending anything to collections. 
I sent the validation letter to this company second time. I have not received any answers to my request to provide the documents. my name is XXXX, not XXXX. 
I ll attach the validation letter. 
Thank you

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 2025-04-16 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of fraud. A company posed as if to give me a small loan. I accepted the offer and gave my information to pay them back on certain dates. 

I received a {$500.00} dollar loan and the fraudulent group : Not only reverse to payment they reverse all point of sales back to themselves!

I have banked with CHASE for over 10 years solid! Never did anything illegal or stupid on my account, ever!

However, although CHASE could see all the illegal activities from where I do not know!

They still not only took {$1000.00} 's from my account. They also said they could do nothing about it! WHAT??? 

I currently still owe {$300.00} plus dollars & I just found out about your service via XXXX! 

This took place during the Holidays of XXXX! And I have been fighting ever since! 

Unbelievable! I am in need of * URGENT ASSISTANCE *. And provide all documentation from CHASE FRAUD DIVISION. Many calls no help, just " We are Sorry This Happens a Lot ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-16 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:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : Inquiry - XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I talked to Capital One and they said they would put it in investigation but they couldn't really give me any other info they told me about the three bureaus and that I can file a police report. I never applied for an account I have a credit card I don't need another one and when I received all these notifications it was while I was asleep and I woke up to them. Then I received a ton of other emails about a XXXX XXXX  signing me up for all these foreign companies that I have no clue what they are and it was a hard inquiry that I do see in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). XXXX tracking confirms it was delivered on XX/XX/year>. As of XX/XX/year>, the company has failed to provide any response, documentation, or validation. 

Under federal law, all collection activity must cease until the alleged debt is validated. Their failure to respond within the XXXX period constitutes a direct violation of XXXX ( b ). Continued reporting to the credit bureaus without proper validation also violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 

This noncompliance warrants immediate regulatory review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
In XX/XX/XXXX, I paidXX/XX/XXXX, a {$1500.00} retainer and an additional {$6000.00} for various projects to be completed at my residence at XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. These projects included specific tasks that were never executed. Despite repeated requests for refunds on the retainer and services unrendered, as well as the return of project funds, XXXX XXXX ceased all communication. She even went as far as disputing several transactions through Citibank, claiming payment for services she never completed. Ultimately, Citibank reversed my disputes in her favor, further exacerbating the situation by closing my account and reporting negative remarks on my credit for the past year. I requested XXXX XXXX, XXXX XXXX  XXXX, Citi for time to dispute charges related to this and my XXXX XXXX being hacked later in XXXX. Not only did they not remove the charges from my account but I incurred late fees, interest charges and ultimately charge-offs related to balances/ payments not being made, as I refused to pay the vendor for work not completed. After closing the accounts, XXXX XXXX refused to provide online statements and an opportunity to work with their disputes department. They immediately sold the account off and listed derogatory notes on my report. XXXX, XXXX XXXX had similar responses While working on my home, XXXX XXXX engaged several contractors who were not licensed, despite her assurances that they had valid business licenses. When I requested verification of their licensing, itemized receipts for the work performed, and a 1099 form for tax reporting purposes in XXXX, XXXX XXXX failed to respond. My investigation uncovered that her pattern of opening various unlicensed businesses and misrepresenting qualifications may be impacting other individuals in the XXXX XXXX XXXX XXXX communities. Her actions highlight not only a disregard for legal requirements but also potential harm to others in these communities who may unknowingly engage her services.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and my only address is 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've disputed this account with Equifax several times but the dispute continuesto come back reflecting a {$440.00} blance, the account was paid off on XXXX.

Company response to consumer: Closed with explanation