vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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.

I am filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my consumer FICO credit report, all of which I do not recognize and which are the result of identity theft and fraud. These accounts include : a loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX a loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX a loan account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX  ; loan accounts opened at XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, both under account number XXXXXXXX XXXX XXXX XXXX XXXX  ; a loan account opened at XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX ; and a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my credit report. I hereby demand that all the aforementioned fraudulent items be permanently removed from each of my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-24 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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.

I am filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my consumer FICO credit report, all of which I do not recognize and which are the result of identity theft and fraud. These accounts include : a loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX a loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX a loan account opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX  ; loan accounts opened at XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, both under account number XXXXXXXX XXXX XXXX XXXX XXXX  ; a loan account opened at XXXX XXXX XXXXXX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX ; and a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my credit report. I hereby demand that all the aforementioned fraudulent items be permanently removed from each of my consumer credit reports and that all related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 fraudulent inquiry.

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 non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked I had been the victim of identity theft. I do not recognize these accounts. Please remove it from my credit report because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
This is my second formal dispute of the following fraudulent accounts that were previously removed from my credit report. Shockingly, these accounts have now been reinserted without proper notice or investigation, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Accounts to Be Removed Immediately ( Again ) : XXXX XXXX XXXX Reporting Bureaus : Experian & XXXX These accounts were previously disputed, found to be inaccurate or unverifiable, and removed, only to be illegally reinserted without any written notification as required under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I have not received any proof of validation, such as the original signed contract or application, and yet these accounts have mysteriously reappeared. Violation of FCRA and CFPB Precedent Under federal law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are obligated to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681c-2 : I have the right to block fraudulent or identity theft-related information. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If deleted information is reinserted, the CRA must provide written notice within 5 business days which did not happen. 15 U.S.C. 1681n : I have the right to seek damages for willful noncompliance. Additionally, both XXXXXXXX XXXX XXXX  and XXXX XXXX have come under scrutiny by consumers and regulators for improper credit reporting and deceptive practices. The CFPB has received hundreds of consumer complaints about both companies mishandling credit reporting, misreporting payment status, and failing to validate debt when requested. Demand for Immediate Action I demand the following actions be taken immediately : Permanent removal of both accounts from my credit report. Written confirmation that these accounts will not be reinserted again. An updated copy of my credit report reflecting the deletions. Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Additional complaints to the Federal Trade Commission ( FTC ) and my State Attorney General Legal action under 15 U.S.C. 1681n for willful violations of the FCRA Final Notice You are now on official notice of this second dispute. I expect full and timely compliance with federal law. Any further reinsertion of these accounts without proper validation and notice will be treated as a deliberate violation of the 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 explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Grow Credit Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Formal Identity Theft Dispute Fraudulent Account with Grow Credit I am writing to formally dispute a fraudulent account that has been reported in my name by Grow Credit. I have contacted Grow Credit multiple times to notify them that I did not open this account and that I am the victim of identity theft. Despite my previous outreach, no resolution has been provided, and this matter remains unresolved. 

Let me be clear : I never applied for, opened, or authorized any account with Grow Credit. 

This account is fraudulent and is negatively affecting my credit and peace of mind. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this item be immediately investigated and permanently removed from my credit report. 

This situation is unacceptable. It is beginning to feel as though Grow Credit is either negligent in verifying legitimate identity, or worse, complicit in allowing fraudulent activity to persist. I am requesting that this account be deleted from all credit reports and that Grow Credit cease all attempts to collect or report on this illegitimate account. 

I am also reporting this issue to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) All three major credit bureaus ( XXXX, XXXX, and XXXX  ) The Attorney Generals Office for the State of XXXX XXXX I have attached a copy of my government-issued ID and a signed identity theft affidavit for your reference. I demand immediate action in resolving this matter and expect written confirmation that this account has been deleted from all credit files associated with my name and Social Security number. 

Please treat this matter with the urgency and seriousness it requires. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.

Thank you for your assistance.

Account Name : CREDITACPT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> XXXX ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character

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 2025-04-24 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac, is committing civil theft by not releasing my insurance check settlement proceeds to repair my home. They are refusing to allow a homeowner to do their own repairs which is absolutely nonsense. They use a terrible 3rd party service called XXXX which are simply XXXX workers who know very little. It's extremely frustrating. My home was damaged from a Hurricane. 
I have a public adjuster who helped me and he is stating that he is deals with this everyday and this is the first mortgage company who won't allow homeowner to do repairs. 

I have asked for specific documentation that I signed within the mortgage loan that states a homeowner can't do their own repairs but they have refused to send these documents, if they exist, to me. 

This is a terrible experience that I want others to know about so they don't choose PennyMac for their mortgage company. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One abruptly closed two of my credit card accounts one I had held for over a year, and the other I had opened just a month prior. I was given only three days notice before closure, with no specific reason provided in writing or via phone. Customer service merely mentioned " suspicious activity, '' but refused to provide any details, even after multiple attempts to obtain clarification.

Throughout my time as a cardholder, I always used my cards responsibly primarily for purchasing tools and work-related supplies. I never missed a payment and never carried high balances. There was nothing unusual about my usage. 
This sudden dual-account closure has had a major negative impact on my credit score and history, particularly due to the loss of account age and increase in credit utilization ratio. I believe this action was unjustified and mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
How I got scammed and I send all the information they XXXX and they did deposit my money back on my account or nothing I had paperwork I ask how can we fix the problem or issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$470.00} Open Date XX/XX/XXXX Inquiries XXXX Balance XX/XX/XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXXXXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
Subject : Dispute and Request for Accurate Account Updates To Whom It May Concern, This letter is to dispute and request correction of several accounts on my credit report that currently reflect outdated and inaccurate balance and payment information.

Experian appears to show great attention to detail when reporting activity that may reflect negatively on a consumers profile. However, now that several of my account balances are XXXX out or significantly reduced, that same precision seems to have gone missing. 

Please update the following accounts to reflect accurate, current balances and payment status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, it is your responsibility to ensure the information reported is complete and accurate. These accounts have been updated on my end, and I have verified the correct balances directly with my creditors. 

I expect a prompt investigation and correction. There is no excuse for outdated reporting when timely updates are consistently expected of consumers.

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