vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My information was stolen in a data breach. And would like for all things 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 non-monetary relief
Consumer complaint received 2025-03-01 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
My information on my credit report was used in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
There was a data breach and all my information was leaked. The FCRA Laws state all information must be deleted immediately you have 30 days to terminate all information on my credit report by law.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The fraudulent collection I have found : XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 of the aforementioned consumer credit hard inquiries are 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
There is a credit card opened in my name through Capital One, and I never opened an account with them. I can not access the account, and I can not get in contact with Capital One, every time I have called they have ended the call without resolution or I have been on hold for over 30min. I want that account closed. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 notifying that I am a victim of data breach and I would like all the accounts mentioned to be blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am notifying that I am a victim of data breach and I would like all the accounts mentioned to be blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have been on the phone for the past XXXX weeks disputing accounts that are not mine. Incorrect information regarding auto loan with XXXX XXXX the loan is reporting on my report as well as XXXX XXXX XXXX notice they made a correction by changing the balance to XXXX and placing the account with XXXX XXXX in collections the account was reported from XXXX as a different account thats the reason I dispute and also ask the company to forward documents I have not receive anything. As I have been explaining to Transunion and Equifax Experion that XXXX of my account in collections and close accounts does not belong to me. They assured me that the accounts are being diluted but when I check 24 hours later they are not in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NE

Complaint narrative:
I have been on the phone for the past XXXX weeks disputing accounts that are not mine. Incorrect information regarding auto loan with XXXX XXXX the loan is reporting on my report as well as XXXX XXXX XXXX notice they made a correction by changing the balance to XXXX and placing the account with XXXX XXXX in collections the account was reported from XXXX as a different account thats the reason I dispute and also ask the company to forward documents I have not receive anything. As I have been explaining to Transunion and Equifax Experion that XXXX of my account in collections and close accounts does not belong to me. They assured me that the accounts are being diluted but when I check 24 hours later they are not in dispute.

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 2025-03-01 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Financial Services has failed to comply with the law and is in fact breaking the law Defamation If applicable, I believe the content violates my rights under state defamation law, which protects individuals from false statements that harm their reputation. Under California Civil Code 45, defamation occurs when false statements are made with the intent to damage someone's reputation.

Right to Privacy Under 42 U.S.C. 1983, I am requesting the removal of any content that constitutes an unlawful invasion of privacy, which may include the disclosure of private personal information or violations of General Data Protection Regulation ( GDPR ) principles, if relevant. 

I affirm that the content in question infringes my rights, and I request that you immediately remove or disable access to this content in accordance with your legal obligations under the DMCA and relevant state laws.

Please provide confirmation that the content has been removed within [ number of days, typically 7-14 days ] from the date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX Opened XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Opened 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 2025-03-02 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: IL

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

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 2025-03-01 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: LEXISNEXIS
State: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX LEXIS NEXUS XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to dispute and request the removal of **unauthorized and inaccurate hard inquiries** from my credit report in accordance with **FCRA 1681b and FCRA 1681c-2**, which state that inquiries must be **authorized and verifiable** by the consumer. I have reviewed my credit report and found the following **hard inquiries** that I do not recognize or recall authorizing : **List of Disputed Hard Inquiries** The following inquiries appear on my credit report and must be investigated for proper authorization : - **XXXX XXXX Experian XXXX - **XXXX XXXX XXXX Equifax XXXX - XXXX Equifax XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX  Experian XXXX - *XXXX TransUnion XXXX - **XXXX  XXXX Equifax XXXX - XXXX XXXX Experian XXXX - **XXXXXXXX  Experian XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX - **XXXX XXXX XXXX Experian XXXX - XXXX XXXX Experian XXXX - **XXXX XXXX XXXXXXXX Equifax XXXX - XXXX  XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX XXXX *XXXX XXXX XXXX Experian XXXX - XXXX Equifax XXXX XXXX XXXX XXXX  **Action Required** Per **FCRA 1681b**, a credit bureau may **only report inquiries that have been authorized** by the consumer. Since I do not recall authorizing these inquiries, I demand the following actions : **Provide documented proof of my written authorization for each inquiry listed above. ** **If no proof of authorization exists, immediately delete these inquiries from my report. ** **Send me an updated copy of my credit report reflecting these removals. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. ** I expect a response and an updated credit report **within the legally required 30-day time frame. **

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to dispute and request the removal of **unauthorized and inaccurate hard inquiries** from my credit report in accordance with **FCRA 1681b and FCRA 1681c-2**, which state that inquiries must be **authorized and verifiable** by the consumer. I have reviewed my credit report and found the following **hard inquiries** that I do not recognize or recall authorizing : **List of Disputed Hard Inquiries** The following inquiries appear on my credit report and must be investigated for proper authorization : - **XXXX XXXX Experian XXXX - **XXXX XXXX XXXX Equifax XXXX - XXXX Equifax XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX  Experian XXXX - *XXXX TransUnion XXXX - **XXXX  XXXX Equifax XXXX - XXXX XXXX Experian XXXX - **XXXXXXXX  Experian XXXX - **XXXX XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX - **XXXX XXXX XXXX Experian XXXX - XXXX XXXX Experian XXXX - **XXXX XXXX XXXXXXXX Equifax XXXX - XXXX  XXXX TransUnion XXXX - **XXXX XXXX XXXX XXXX Equifax XXXX XXXX *XXXX XXXX XXXX Experian XXXX - XXXX Equifax XXXX XXXX XXXX XXXX  **Action Required** Per **FCRA 1681b**, a credit bureau may **only report inquiries that have been authorized** by the consumer. Since I do not recall authorizing these inquiries, I demand the following actions : **Provide documented proof of my written authorization for each inquiry listed above. ** **If no proof of authorization exists, immediately delete these inquiries from my report. ** **Send me an updated copy of my credit report reflecting these removals. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. ** I expect a response and an updated credit report **within the legally required 30-day time frame. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 
I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
This is not a duplicate complaint. I am writing to submit documentation that was requested by SoFi that confirms that the deposits from XXXX are recurring direct deposit from my then-employer. Such documentation was initially requested by SoFi when I asked for the {$300.00} account opening bonus to be honored. However, I had been unable to retrieve said documentation because I left the company. Now in the tax season, I am finally able to obtain it as part of my tax records. 

XX/XX/year> XXXX {$1400.00} XX/XX/year> XXXX {$470.00} XX/XX/year> XXXX {$3400.00} XX/XX/year> XXXX {$150.00} XX/XX/year> XXXX {$1400.00} This would qualify me for {$300.00} opening bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OK

Complaint narrative:
I was charged a XXXX dollar return fee because they tried to take a payment from an account I dont know anything about. They have done this numerous times and refuse to refund the fees.i spoke with a supervisor named destiny and she transferred me to the incorrect department.

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