vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The inquiry was not authorized XXXX  XXXX WE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate AccounXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

17. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

XXXX. The following is an invalid late payment XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I received the results back from the investigation that I dont agree with the results of your investigation into the negative charged off accounts being reported on my credit report. I would like these accounts to be re-investigated immediately. These accounts and the negative inaccuracies are highly causing a negative impact to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions. 

From Experian please see accounts listed, XXXX XXXX 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 2025-03-19 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: FL

Complaint narrative:
I received the results back from the investigation that I dont agree with the results of your investigation into the negative charged off accounts being reported on my credit report. I would like these accounts to be re-investigated immediately. These accounts and the negative inaccuracies are highly causing a negative impact to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 66, Subsection A-D, please provide the names and business addresses of each individual with whom you spoke to and verified the above accounts with so that I may follow up with them. Please forward an updated credit report after you have completed your re-investigation and made the corrections/deletions. 

From Experian please see accounts listed, XXXX XXXX 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 2025-03-19 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: TX

Complaint narrative:
I have reached out to all three credit bureau, agencies, Transunion, XXXX, and XXXX. I have sent them all required documents for fraudulent information to be removed from my credit report, including police report proof of residency both ID and social second proof bank statement, as well as a letter demanding it be removed as well. All documents stated has been requested per the credit bureaus Ive sent all of those docs along with my FTC report of the fraudulent activities and yet neither has removed the information. Here I am again demanding that all of this false information be removed immediately!

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 2025-03-19 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: TX

Complaint narrative:
I have reached out to all three credit bureau, agencies, XXXX, XXXX, and Experian. I have sent them all required documents for fraudulent information to be removed from my credit report, including police report proof of residency both ID and social second proof bank statement, as well as a letter demanding it be removed as well. All documents stated has been requested per the credit bureaus Ive sent all of those docs along with my FTC report of the fraudulent activities and yet neither has removed the information. Here I am again demanding that all of this false information be removed immediately!

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 2025-03-19 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: TX

Complaint narrative:
I have reached out to all three credit bureau, agencies, XXXX, Equifax, and XXXX. I have sent them all required documents for fraudulent information to be removed from my credit report, including police report proof of residency both ID and social second proof bank statement, as well as a letter demanding it be removed as well. All documents stated has been requested per the credit bureaus Ive sent all of those docs along with my FTC report of the fraudulent activities and yet neither has removed the information. Here I am again demanding that all of this false information be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I have paid my debt in full ( XXXX XXXX : XXXX XXXX XXXXXXXX ) and have attached the Satisfaction of Judgment to this email. However, Slovin & Associates is attempting to collect on this debt again - the original principal sum. I request your assistance in stopping this harassment and fraud. This is an official complaint against 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Slovin & Associates Co., and XXXX XXXX XXXX XXXX for violating the XXXX Consumer Sales Practices Act. Furthermore, Slovin & Associates may be in violation of the Federal Fair Debt Collection Practices. 
I am requesting your Office to investigate this matter. Given that the Satisfaction of Judgment 's postmark date was XX/XX/XXXX, and they filed a motion with XXXX XXXX XXXX XXXX XXXX days later, it appears that Slovin & Associates is attempting to collect a debt that has been fully paid. 
Please investigate the actions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Slovin & Associates Co., and XXXX XXXX XXXX XXXX for their potentially unethical and predatory practices.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CHERRY TECHNOLOGIES INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX stating : Your account with CHERRY TECHNOLOGIES IN has a status of Not more than XXXX payment past due. Upon reviewing my credit report, I was shocked to discover that XXXX has a Sales Contract account under the company Cherry Technologies INC, which was opened on XX/XX/XXXX, and remains active with a late payment status. This account also has a balance of {$9800.00}. 

I want to make it absolutely clear that I did not open this account, I have never done business with Cherry Technologies IN, and I was completely unaware of this companys existence until I received this alert. This account was opened fraudulently under my name, and I believe this is a case of identity theft. 

Upon discovering this, I immediately contacted XXXX to file a dispute and also reached out to Cherry Technologies, informing them that I did not open this account and that it must have been created as a result of fraudulent activity. Cherry Technologies acknowledged my report and stated that they would review the issue and get back to me. 

I was already aware that I had been a victim of identity theft between late XXXX and early XX/XX/XXXX, and to prevent further damage, I had taken the following actions : Placed a credit freeze on my credit report. 
Filed a report with my local police department ( Incident # : XXXX ). 
Submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) ( FTC Report Number : XXXX ). 

I am now awaiting a response from Cherry Technologies and XXXX regarding the resolution of this fraudulent account. I expect this account to be removed from my credit report immediately, as I had no involvement in its creation and should not be held responsible for any associated balance or payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Formal Complaint Regarding Affirm , Inc . Violations of the FCRA To Whom It May Concern : I am filing this formal complaint against Affirm , Inc. ( " Creditor '' ) and the credit reporting agencies XXXX, XXXX, and XXXX ( " Bureaus '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ). This complaint addresses the inaccurate and inconsistent reporting of a charged-off account. 

II. Legal Violations 1. Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to report accurate information : Affirm , Inc. and the credit reporting agencies are required to maintain the highest standard of accuracy in the information they report. The inaccurate reporting of this account as " Charged-Off '' without sufficient basis constitutes a failure to meet this legal standard.

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) Duty of furnishers to provide accurate information : Affirm, Inc. is legally required to ensure that the information it reports to the credit bureaus is accurate and consistent. The account continues to be reported inaccurately as " Charged-Off '' despite the absence of proper validation or justification, which is a direct violation of FCRA 623 ( a ).

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Duty to investigate : The credit reporting agencies have a legal duty to investigate the accuracy of information reported to them. The ongoing inaccurate classification of this Affirm account reflects a failure by the credit bureaus to comply with their obligation to ensure the accuracy of reported data. 

FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ) Obsolescence and Reporting Time Limits Lack of Verification and Supporting Documentation : 607 ( b ) Duty to report accurate information Affirm and the bureaus are reporting contradictory information ( charge-off + payments ) 623 ( a ) ( 1 ) Duty to provide accurate and complete information Affirm failed to clarify the status of the account 605 ( a ) ( 5 ) Reporting requirements for charge-offs Affirm misrepresented the charge-off status by reporting payments 623 ( a ) ( 2 ) Duty to update and correct information Affirm failed to remove the payment activity after the charge-off Affirm, Inc. has failed to provide documentation confirming the accuracy of the reported charge-off and the substantial balance discrepancy. Without proper verification or proof, this reporting is inaccurate, misleading, and unverifiable under FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was instructed by XXXX XXXX to file an identity theft report to have a fraudulent student loan removed from my credit report. I complied with their instructions and submitted the necessary documentation. Despite this, the loan remains on my credit report. I feel this violates my rights as a victim of identity theft and is causing harm to my creditworthiness. I kindly request the CFPBs assistance in ensuring XXXX XXXX removes this fraudulent loan from my credit report immediately

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was instructed by XXXX XXXX to file an identity theft report to have a fraudulent student loan removed from my credit report. I complied with their instructions and submitted the necessary documentation. Despite this, the loan remains on my credit report. I feel this violates my rights as a victim of identity theft and is causing harm to my creditworthiness. I kindly request the CFPBs assistance in ensuring XXXX XXXX removes this fraudulent loan from my credit report immediately

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 2025-03-19 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: CA

Complaint narrative:
I was instructed by XXXX XXXX to file an identity theft report to have a fraudulent student loan removed from my credit report. I complied with their instructions and submitted the necessary documentation. Despite this, the loan remains on my credit report. I feel this violates my rights as a victim of identity theft and is causing harm to my creditworthiness. I kindly request the CFPBs assistance in ensuring XXXX XXXX removes this fraudulent loan from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Address was wrong on credit report amount was also wrong on the last statement I received. Never received charge off notification until they called and they also misrepresented information to me account is also older than 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In my recent credit report from TransUnion Consumer Solutions, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with TransUnion Consumer Solutions, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, TransUnion Consumer Solutions failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I apply for a mortgage loan and the rep took months and keep on asking for the same info over and over, spend money on special reports he asked for and never told me about my application. Called several times no answer and finally started we did qualify, no reason given..

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