vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During my car loan application process, my credit report was accessed XXXX times in a very short period, all within XX/XX/year>, and XX/XX/year>. I understand that when applying for a car loan, my credit may be checked, but I believe the number of inquiries made in such a short span of time is excessive and has negatively impacted my credit score. 

The details of the inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CAPITAL ONE AUTO FIN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I understand that multiple lenders might check my credit during an auto loan application process, I was not fully informed about how many times my credit would be accessed. As a result, these multiple inquiries have negatively impacted my credit score. Since they all stemmed from the same car loan application process, I believe they should be considered as one inquiry and the additional entries should be removed from my credit report. 

I respectfully request that these inquiries be investigated and deleted from my credit report to reflect the fact that they were related to a single loan application. I also ask for confirmation that the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
Lender can not see score because of block or fraud alert placed from years ago. Address on the file is not correct anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit collections is reporting to my credit report a balance that has been paid in full with progressive directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I tried to access my report and found multiple inaccuracies. Also by using Experian I noticed disputes I sent out arent being 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 2025-03-10 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 tried to access my report and found multiple inaccuracies. Also by using Experian I noticed disputes I sent out arent being 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 non-monetary relief
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
inaccuarate and fraudulent information reporting to consumer 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 non-monetary relief
Consumer complaint received 2025-03-10 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:
* In XXXX, after losing my job, I owed XXXXXXXX XXXX  {$110.00} and entered their hardship program, completing a 6-month payment plan. My balance went back {$110.00}, and I couldnt continue payments due to unemployment. 

* For several months, no payments were made. Multiple agents and supervisors claimed the account should have been written off at that point. Then a couple agents stated the account was closed in XXXX, yet others said it was just closed upon my request in XXXX. 

* Since XXXX, Ive repeatedly contacted XXXX, receiving conflicting information. Multiple supervisors admitted to a system error where my payments werent marked delinquent, preventing a written-off and causing my debt to grow despite no payments. Multiple supervisors stated they had seen the error and would call me back and work diligently to correct it, yet I received no call backs and no corrections. So instead, they never reported correctly and its reporting me as current with no late payments. I have not made a payment since XXXX! But now the balance is over {$1000.00} dollars. I only had a {$110.00} balance! Though they claim to be working on a fix, XXXX still calls for payments, inconsistently documents my case, and continues adding fees and interests. 

* I do not owe the amount shown in their system, and since they acknowledge the error but havent corrected it, what do I do?!

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 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
Some where around XXXX XXXX or couple days after. I was told by salesman that my credit was froze I un froze it and a hard inquiry. Put car in husband name it was my car that XXXX XXXX. XXXX XXXX XXXX  and I told the XXXX everything. He said he had me. I want my {$2500.00} my money for my car that was not put anywhere on car. My husband didn't want to be on car because my car XXXX XXXX and he was there. I have bought new vehicles so many times in my lifetime this is so wrong. Car note ev we n highrt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXXXXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$870.00}

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 2025-03-10 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: SD

Complaint narrative:
Im a victim of identity theft. Upon review of credit report I have several accounts that were not opened by me. The below accounts were not opened by me nor did I authorize them to be opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these tradelines from my credit file. I have reached out to creditors and not able to obtain any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: SD

Complaint narrative:
Im a victim of identity theft. Upon review of credit report I have several accounts that were not opened by me. The below accounts were not opened by me nor did I authorize them to be opened. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these tradelines from my credit file. I have reached out to creditors and not able to obtain any information.

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 2025-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for systemic issues, including its failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not properly notifying consumers of dispute outcomes. These allegations mirror my own experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This ongoing inaction continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the following disputed accounts : Account info Account name XXXX Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$560.00} Account name XXXX XXXX Account XXXX XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Balance {$210.00} Experian 's failure to address these disputes is a violation of federal law and my rights as a consumer. I expect prompt action to rectify 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLLECTION Service XXXX XXXX XXXX XXXX are reporting a collection account on my XXXX and XXXX consumer reports. This information reporting is false and not my account. XXXX after investigation has removed.

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 2025-03-10 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US 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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting a collection account on my Experian and XXXX consumer reports. This information reporting is false and not my account. XXXX after investigation has 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter to Equifax dated XX/XX/year> requesting all information in my credit file, as well as a free copy of all reports. Equifax responded in a letter dated XX/XX/year> stating that " We received your request for a copy of your Equifax credit report. However, we need additional information in order to verify your identity and address ''. " To help us fulfill your request, please send us a letter with your full name, social security number, current address, and your date of birth ''. " Please also include a copy of a document verifying your identity ( ex : driver 's license or birth certificate ), your social security number ( ex : social security card or W2 form and a copy of a document verifying your address ''. " The documents you provided were illegible ''. " Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of two different items ''. My complaint is why did Equifax state in they response letter that " I provided DOCUMENTS that were ILLEGIBLE ''? I never provided any documents to Equifax, I only mailed Equifax a letter, CERTIFIED MAIL SIGN RECEIPT. Secondly, why would Equifax state in they response letter that " Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send either pay stub with complete Social Security number, valid Social Security Card, or W-2 form with complete U.S. Social Security number , ect? XXXX XXXX sent me letters dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> all denying me a CREDIT LINE INCREASE as well as a AUTO FINANCING LOAN based on information obtained in a report from Equifax. As a result, how can Equifax state in they response letter that my request letter sent to them doesn't match the information they currently have on file? I also have a XXXX XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX inaccurate reporting of my auto loan and the fraudulent balance of {$3600.00} that they have placed on my credit report. 

Key Issues With XXXX Reporting : 1. Incorrect Balance Reporting My vehicle was declared a total loss in XX/XX/year>, and my insurance company paid XXXX to cover the loan balance in full. 
XXXX delayed processing the claim until XX/XX/year> and then wrongfully reversed a XXXX insurance payment, leaving an inaccurate balance of {$3600.00} on my credit report. 
2. Illegal Late Payment Reporting Despite the loan being fully covered by insurance, XXXX continued reporting late payments from XX/XX/year> to XXXX XXXX should never have been reported. 
Under FCRA 1681s-2, furnishers must report only accurate information. These late payments are incorrect and must be removed. 
3. Failure to Provide Proper Verification XXXX has failed to provide an accurate breakdown of how they calculated the {$3600.00} balance. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to receive proper verification, which they have not provided.

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 2025-03-10 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Lender can not see score because of block or fraud alert placed from years ago. Address on the file is not correct anymore.

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