vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good Evening, I am writing to file a formal complaint regarding a delinquency claim on my credit report related to a loan originally obtained from XXXX XXXX XXXX  in XX/XX/XXXX. The loan was under a five-year term with scheduled automatic payment drafts from my savings account. All payments from XX/XX/XXXX to XX/XX/XXXX were made promptly and diligently. 

After the final payment in XX/XX/XXXX, I believed the loan was fully settled. It was only later that I learned XXXX XXXX XXXX  had merged with XXXX XXXX XXXX  in XXXX detail that was not communicated to me. This lack of communication led to complications in XX/XX/XXXX, when I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX  regarding an outstanding payment. Unaware of the merger, I mistook the call for a scam and blocked the number. 

In late XXXX or early XX/XX/XXXX, I received another communication from XXXX XXXX about an outstanding balance. Concerned, I attempted to contact XXXX XXXX XXXX  but did not receive a response until XX/XX/XXXX. Upon finally speaking with the bank, I was informed that the issue stemmed from a policy requiring the final payment to be made in person, a requirement I was unaware of. 

After clarifying the situation, the bank promptly drafted my final payment over the phone in XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX, the Dispute Department Manager. XXXX confirmed the presence of an error on XXXX XXXX XXXX  part concerning the incorrect address listed in the system, which has resulted in my failure to receive any communication regarding the servicing of my loan by XXXX XXXX XXXX. 
XXXX assured me during our conversation that my address had been updated in their system. He also promised to send a letter confirming that my account had been paid in full. Unfortunately, I have not yet received this letter, and XXXX has not responded to my subsequent calls and emails. 
This issue has consequently led to an erroneous delinquency report on my credit history, which resulted from the banks failure to inform me of critical policy following the merger with XXXX XXXX XXXX. I have always maintained a stellar credit record, and this oversight has unfairly impacted my XXXX XXXX. 

I hereby request the CFPB to intervene and assist in removing the erroneous delinquency from my credit report. Additionally, I ask for an official letter from XXXX XXXX XXXX, confirming that the debt is paid in full and that my account is in good standing. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores and reflects the accuracy of my credit history. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently had a credit score of XXXX, but an incorrect dispute was made without my knowledge against one of my accounts with capital one causing me to go from a score of XXXX to have no credit or credit history at all. I have been diligently trying to reach someone who can assist me with correcting this information. dispute number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: WI

Complaint narrative:
There are address on my credit report that I do not recognize. I would like for it to be removed. The correct address is XXXX XXXX XXXX XXXX. There should be no other addresses on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently had a credit score of XXXX, but an incorrect dispute was made without my knowledge against XXXX of my accounts with XXXX  XXXX causing me to go from a score of XXXX to have no credit or credit history at all. I have been diligently trying to reach someone who can assist me with correcting this information. dispute number is 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 2025-03-05 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: MA

Complaint narrative:
there's several inquiries I came across on my transunion and equifax account that was there due to fraudulent activities, It was removed from XXXX but equifax and transition never updated the accounts and inaccurate inquiries wasn't removed. 

I've circled and underlined all the inaccurate inquiries that was added to my account in the image below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been led 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 XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX  on XX/XX/XXXX, an auto loan opened with WFBNA HL on XX/XX/XXXX, appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is 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 2025-03-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item 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 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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My card was used fraudulently. I had called Vystar informed them I think my card may have been compromised I told them I moving everything to my savings so nothing in my checking. Instead of letting payments not go through Vystar decides to take the money from my checking account to cover the transaction that is not being made my me. I paid there {$5.00} for a new card disputed the payment of {$120.00} for chips sports which is a company I never bought from a day in my life. Just for them to recharge the payment to my account. I will be moving all my money out of Vystar account and no longer using there 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 monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align which my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violations federal law and my rights as a consumer.

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 2025-03-05 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: VA

Complaint narrative:
XXXX XXXX {$2400.00} I have no knowledge of this account. Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX  XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX  - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX  XXXX - Date of Inquiry : XX/XX/year>

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 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I made a payment from my usual account on XX/XX/XXXX, it cleared on XX/XX/XXXX and reflected on the mortgage company 's portal in my account. 
I had my closing on XXXX XXXX, when the closing checks and final payoff amount was sent to mortgage company they suddenly changed the status of last made monthly payment to " Reversed '' and also charged me a fee. They sent me a letter stating I made a payment with dishonored check. Which is not the case. The money went through the same account as I have been paying from all previous months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OneMain Finance Corporation
State: WI

Complaint narrative:
I have XXXX closed accounts that resulted from identity theft. I just recently looked at my credit report and seen incorrect information. I do not recognize the accounts.I am filing a complaint regarding identity theft, as my personal information has been used fraudulently without my consent. I recently discovered that someone has falsely used my identity, leading to unauthorized activities that may impact my financial and personal records. 

I request an immediate investigation into this matter and assistance in resolving any fraudulent accounts or transactions linked to my name. Please advise on the necessary steps to protect myself from further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have XXXX closed accounts that resulted from identity theft. I just recently looked at my credit report and seen incorrect information. I do not recognize the accounts.I am filing a complaint regarding identity theft, as my personal information has been used fraudulently without my consent. I recently discovered that someone has falsely used my identity, leading to unauthorized activities that may impact my financial and personal records. 

I request an immediate investigation into this matter and assistance in resolving any fraudulent accounts or transactions linked to my name. Please advise on the necessary steps to protect myself from further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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:
All of this began with the data breach at Experian. Now, by credit card had been running high usage for up to XXXX percent, so I paid XXXX XXXX dollars on the XXXX to begin to address that issue. Experian and XXXX used the closures of XXXX  XXXX cards as a reason to drop my limit to leave me at the same credit usage percent as before. Remember, I've never missed a payment ever. This drops my credit score my XXXX points. 
All because I wanted people who had breach my information and using credit cards under my credit profile to be removed.

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 2025-03-05 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: TX

Complaint narrative:
Upon reviewing my credit report, I was alarmed to find an inquiry that I do not recognize and never authorized. I have never applied for credit with this company, nor have I given permission for them to access my report. This unauthorized inquiry is causing me significant stress and concern, as I have no idea how or why it was made.

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 2025-03-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-05 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: CA

Complaint narrative:
I recently discovered unauthorized accounts on my credit report that resulted from the fraudulent use of my personal information. I have never had any association with these accounts, nor have I benefited from them in any way. Recognizing the seriousness of this matter, I immediately filed a report with the Federal Trade Commission, following the proper steps to address the fraud. However, despite my efforts, these fraudulent items still remain on my credit report. This ongoing issue is extremely frustrating, as I continue to face the consequences of someone else misusing my identity.

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