vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally request the removal of adverse credit information from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXX XXXX, I am exercising my right under this provision to ensure that inaccurate or unfair information related to my experience is removed from my credit history. 
Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) supporting Documentation : I have enclosed the required documentation to verify my status as a XXXX XXXX XXXX XXXXncluding [ list the specific documents you are including, such as court orders, law enforcement records, or affidavits ).

Requested Action : I respectfully request that you : 1. Remove all adverse credit information related to these accounts.

2. Update my credit report to reflect this removal promptly.

Under Section 605C, the law permits victims oXXXX XXXX XXXX XXXXo block adverse information resulting from their victimization. I trust that you will handle this request with the care and urgency it deserves. 
Thank you for your understanding and cooperation. Please confirm receipt of this request and provide updates on your progress within the XXXX investigation period required by the FCRA. 
Sincerely, 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 2025-02-01 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 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
This company just swooped in to add me in their frivolous claims that I owe them when I never had business with them. After careful investigation, I found that KikOff is a company that reports fake credit of the amount of {$2500.00} on individuals credit report for a fee. This service a scam to manipulate the real credit scores of unworthy individuals so that they can get credit extended to them by creditors. The address they have on file for me is a address that I was never associated with and the email address used was also a email address that I wasn't affiliated with. I am a victim of fraud, and my information was stolen along with my purse. The person that stole my purse has opened several accounts in my name. I've been fighting for years to fix my credit. I need this fake account removed from my credit profile immediately. Here is my police report number is XXXX the detective that handled the case is Detective George of The Miami Police Department. His direct line is ( XXXX ) XXXX. This information and a affidavit of identity was sent to KikOff support on XX/XX/year> and they been ignoring me ever since and never replied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Unauthorized Credit Report Activity Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute and demand the removal of any unauthorized accounts, inquiries, or other credit-related activities on my credit report that may have resulted from the XXXX XXXX Breach XXXX I invoke my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), which allows me to block information resulting from identity theft. The accounts that these apply to are listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under permissible purposes, none of which apply to instances where my data was compromised without my explicit written consent. Additionally, under 15 U.S.C. 6802, financial institutions are required to protect consumers ' nonpublic personal information and obtain explicit consent before disclosing such information. My personal and financial information was accessed without my authorization due to the XXXX XXXX XXXX, violating these statutes.Moreover, the unauthorized access and potential misuse of my personal identifying information fall under 18 U.S.C. 1028A, which criminalizes aggravated identity theft. I never provided written consent for my personal information to be compromised, obtained, or used by unauthorized parties, and any accounts or inquiries on my credit report resulting from this breach should be immediately removed. 

I demand that your agency take the following actions : Remove all fraudulent accounts, inquiries, or information associated with the XXXX XXXX XXXX from my credit report. 
Provide a written response confirming the actions taken and a corrected copy of my credit report. 
Ensure that my credit file is protected against future fraudulent activities. 
Enclosed are copies of my identity documents and any supporting evidence to assist in the resolution of this matter. If this dispute is not resolved within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 
Please acknowledge receipt of this letter and confirm the resolution of my dispute in writing at your earliest convenience. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My card was used for XXXX XXXX dollars unauthorized by me, my XXXX  was hacked and used almost XXXX times for {$250.00} multiple times, i contacted chase got a new card changed my banking details, just to get declined since chase added charges before the unauthorized transactions, such as uber eats, online shopping to purposely deny the case adding charges that i made to deny crediting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally request the immediate deletion of an account from my credit report that has already been removed from my XXXX report after a completed investigation. The account in question is : Creditor : XXXX XXXXXXXX XXXX  Account Balance : {$2700.00} Type : Charge-Off I disputed this account with XXXX, and following their investigation, they determined that the information was unverifiable and subsequently deleted the account from my XXXX credit file on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), all credit reporting agencies are required to maintain accurate and verifiable information. If XXXX has deleted the account after their investigation, this indicates that the information could not be verified. As a result, the same should apply to your records, and you must remove this account immediately. 
Additionally, per FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers are required to provide only accurate and verifiable information to consumer reporting agencies. If an account has been deemed unverifiable by one agency, it is reasonable to conclude that it should not be reported by any other credit bureau.

I request that you complete your reinvestigation and remove this account from my credit file within 30 days, as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply within this timeframe will constitute a violation of the FCRA, and I will pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under FCRA 616 ( 15 U.S.C. 1681n ) and FCRA 617 ( 15 U.S.C. 1681o ), which provide for civil liability and damages.

Please provide me with written confirmation of the deletion or the results of your reinvestigation. If you choose not to remove the account, I request a detailed explanation along with all supporting documentation used to verify the accuracy of this account. If you fail to comply, I will have no choice but to escalate this matter further. 
I appreciate your prompt attention to this matter.

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 2025-02-01 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: TX

Complaint narrative:
Multiple disputes still showing after they have been resolved/removed due to fraud and in one instance even paid in full. Have made several disputes dot have them removed/investigated with no luck. One has even come back on my report after being removed due to fraud/identity theft

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 2025-02-01 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

I request that Experian, as well as Transunion and Equidax 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandatory by law. Several letters have been sent and no reply back has been received.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ' s recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I have marked as inaccurate : Applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within 4 business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to ^r 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Every negative inquiry on experian and equifax has been submitted by XXXX  companies which has obtained my information illegally has been invading my credit accounts! XXXX XXXX XXXX ( XXXX dollars ) and XXXX XXXX XXXX XXXX ( XXXX dollars ) also XXXX  negative remarks from XXXX XXXX XXXX XXXX XXXX My rights have been violated as a consumer and violated federal laws I've disputed multiple times with no information or proof of authority from these companies whish has constantly put me in a credit bind to I would like to have all corrected and removed immediately seeing that my information has been breached.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax states there is a freeze on my account ; I am unable to access my account online and can only obtain information via phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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 2025-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/XXXX from the previous loan servicer XXXX advised {$0.00} due as recorded in the statements attached. After XXXX, Services were in a transitional period till XXXX to EdFinancial. 
Payments made from XXXX and not transitioned to EdFinancial or show past transactions : XXXX : XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed EDFINANCIAL : XX/XX/XXXX - {$50.00}, Payment reversed XX/XX/XXXX of the same transaction. 
XX/XX/XXXX - {$300.00}, Payment reversed XX/XX/XXXX of the same transaction. 
XX/XX/XXXX - {$300.00}, Payment reversed XX/XX/XXXX of the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed my account with capital one back in XXXX, its XXXX and Im still receiving emails about that account, when I called the bank in XXXX they told me the account was in the negative about {$500.00}. I dont know how when the account was closed for the past 3 years. I recently received a email saying that {$50.00} was sent to the account. When I tried to logged in the account said it was now in the negative {$85.00} dollars. How is money still going into the account when I havent used it? Now when I try to login XX/XX/XXXX it says the account can not be accessed I have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at XXXX Equifax report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information.In general after any reinvestigation under paragraph ( XXXX ) and information dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my TransUnion credit report, I noticed multiple fraudulent accounts and inquiries that I never authorized. These unauthorized items have severely affected my XXXX XXXX and financial stability. 

The following accounts are fraudulent and should not be on my credit report : XXXX XXXX  - Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX These fraudulent items have negatively affected my credit score, making it difficult for me to secure financial opportunities such as renting an apartment, applying for credit, or obtaining loans. This has caused unnecessary stress and financial hardship.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently was notified that CFPB has filed a lawsuit against XXXX. they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of purchasing a home. XXXX denied to follow up with the investigation. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation