vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I found out that someone had stolen my social number and checked up credit on Bank of America. I discovered that hard inquiry recorded.

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 2025-02-20 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive come across multiple errors on my credit report that need to be fixed right away. These inaccuracies, which I strongly suspect may be the result of a data breach, are unfairly damaging my financial standing. 

XXXX XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$650.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX XXXXXXXX - XX/XX/year> Even after numerous disputes, supporting documents, and follow-ups, nothing has been corrected. Its beyond frustrating to see the same mistakes persist despite my efforts to have them removed. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate credit report. Im demanding that these errors be properly investigated and corrected immediately. If they can not be verified with solid evidence, they must be removed without delay.

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 2025-02-20 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
A closed and unpaid account from 2022 is showing up in my Experian credit report ( not in XXXX or XXXX ). This account was opened in XXXX of 2022 and written off in XXXX of 2022. The creditor is XXXX XXXX XXXX I have never authorized any purchases or loan with this company. I noticed several smilar complaints under the XXXX website about this company. 
I also discovered another person 's name, an adress in a state I never lived in, and a SSN that is not mine are showing up under my personal information. This addressand name are linked to the written off account that the lender Im working with requires proof of payment for.

Experian has no explanation or information on why this account or this erroneous information are linked to me. 
It is extremley frustrating and ridiculous that Experian has no checks in place to avoid entering incorrect 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 2025-02-20 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: IL

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
American Express says I have an account and I owe {$8300.00}. I have never had an American Express card. I have contacted XXXX  and XXXX XXXX. I have reported it to the police for a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: WV

Complaint narrative:
Someone started a WiseXXXX account under my name. The only reason I know is because I received an email asking me to confirm my address. I dont know anyone internationally and Im about sick of whoever has my network hacked stealing my identity. I couldnt log in because they have the account with multi factor authentication to my old phone number which Ive not had for almost 3 years, so who knows how long theyve been using this account without my knowledge. I knew they had committed some crimes in the US under my identity and when I went to the local sheriffs department, they said it was a mess because state lines had been crossed so I got in touch with IC3.com and filed a report. Now this person or persons has access to all my information and they could have stopped the response from ic3 from getting to me, but Im going to call them when Im done with this. My life has been ruined over this. Ive had XXXX different cell phone carriers since 2021. Ive had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all which have been compromised. Ive gone to all my cell phone carriers, and XXXX and XXXX only to no response. My attorney is looking to file a lawsuit against all of them due to their compliance and collusion with these hackers as theyre open source and put the codes out for everyone to see so we can get hacked. I want my life back. Back to the situation that Im caused this today. In the email I received from wise, I dont have access to my old phone number and was asked for a selfie with me holding my id. Thats when I figured it was fraud. Please ask them if theres any other way I can verify as Im not comfortable doing that because its been used against me before. Please help me get my life back! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
Equifax is not updating the correct balances on revolving accounts which causes inaccurate credit utilization. Lenders have confirmed the date information was sent to all 3 bureau. However, Equifax has not updated this information since XXXX of 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: MT

Complaint narrative:
On XX/XX/XXXX I received a letter from debt recovery solutions working with Pendrick Capital partners to get {$2300.00} for debt collection. They gave me the option to dispute the debt by XX/XX/XXXX. I selected this is not my debt and I sent it back. On XX/XX/XXXX I received another letter from debt recovery solutions that said I had 30 days to contact the office while they had it on hold to move forward. It included random codes with charges amounting to {$2300.00}. They also included an address I had as a child and havent lived at for over 15 years. I called debt recovery solutions on XX/XX/XXXX and the gal said that it wasnt in their system and it was with Pendrick Capital partners. I know the debt is not mine as the date they are using is for a medical procedure that was covered in whole XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
These credit reporting agencies are inaccurately reporting charged-off accounts while showing a balance that is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
I am a victim of identity theft, and despite multiple disputes, TransUnion continues to report a fraudulent XXXX XXXX account on my credit file. This is unacceptable. I have already provided a police report and all required identity theft documentation, yet this account remains. XXXX and XXXX have correctly deleted it, so why is TransUnion refusing to comply? Under 15 USC 1681c-2, TransUnion is legally required to block and remove fraudulent accounts once I submit proof of identity theft, yet they have blatantly failed to do so. Their continued reporting of this account also violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. By ignoring my disputes and allowing this fraudulent account to remain, they are in further violation of 15 USC 1681i ( a ), which requires a proper reinvestigation when a dispute is submitted with supporting evidence. Additionally, 15 USC 1681b ( a ) states that no account should be reported without my written consent, which I never provided. I have exhausted every reasonable effort to resolve this, yet TransUnion continues to ignore clear violations of federal law. Their refusal to remove this fraudulent account is reckless, harmful, and a willful disregard of my consumer rights. I demand the immediate and permanent deletion of this account, as required by law, and a written confirmation that it has been removed. Failure to comply will result in further action.

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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiries have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of XXXX XXXX.Dispute and remove following inquiries XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 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 2025-02-20 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: FL

Complaint narrative:
- Credit score dropped more than 30 points back in XXXX XXXX on 2024 - Credit report score not accurate through Experian to XXXX- XXXX? 
- Credit history is more than 18 years old * Credit history showing on my XXXX XXXX credit length one year and half?? 

****As shown on attachment

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CL Holdings LLC
State: TX

Complaint narrative:
My account sold due to me being in the hospital after a XXXX. It became a charge off with XXXX Credit Card back on XX/XX/year>. XXXX would not speak to me as they closed account. 
Jefferson Capital System has been calling and sending letter added all kinds of charges on card that are not accurate amounts I owe them XXXX XXXX are inaccurate amount and dates. 

The dates do not match the amount does not match. I asked the 3rd party to confirm with a valid debt contract for the amount which is in accurate. I asked them to show me a valid debt contract and proof they have the legal right to collect on this debt and the letter I signed. 

XXXX has not provided the information I have requested. They have been harassing with phone calls and letters within accurate information they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: CA

Complaint narrative:
it has come to my attention that this acct attributed to me or either not mine we're not properly investigated or contain an accuracies due to your willful negligence your misrepresentation of the facts has caused me harm and injury and I demand an immediate correction and updating of this account without further delay XXXX XXXX XXXX XXXX  XXXX By me reserving my rights under the administrative procedure you have blatantly failed to follow your own policies this is negligence and it's unacceptable I demand immediate compliance with the proper procedures without exception or delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i recently submitted a dispute with Experian on XX/XX/year> about a charge off account with proper identification documents and this is the XXXX time requesting a dispute that is currently causing harm and hurting my credit standing

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 2025-02-20 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:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have previously submitted this complaint. My credit card was used over the XXXX of XXXX holiday in XXXX for {$1200.00}. I was not in XXXX at anytime over the XXXX nor did I give my card to anyone to use. 

The company removed the charge for {$290.00} on XX/XX/XXXX to the same service provider, XXXX. XXXX is well know on the internet for having fraud issues on the XXXX XXXX XXXX website. I

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
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory items removed from my credit file. 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So I paid off my credit card and I didnt overdraft on the credit card. I didnt overspend and theyre asking me for more money {$1600.00} worth of funds without an explanation. They wont even give me the reason why I owe it and why they shut down my credit account Which is raising suspicion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

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 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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I wanted to buy concert tickets through the capital one portal and went to look at the ticket price to XXXX XXXX in XXXX on XX/XX/year>. The tickets are located in section 307 XXXX XXXX and the price shown on the Capitol One Portal ( {$320.00} ) was 39 % higher than the face value located on ticket master ( {$230.00} ). I reached out and they advised me that they are a resale market and they are only a platform and stand by the price increase. I believe this is to be price gouging and spoke to multiple people in the company such as XXXX in Capitol One entertainment but her manager XXXX XXXX would not speak with me and they would not provide any sort of remedy for the issue. Originally I spoke with some else that simply said it was an option for me to purchase the tickets through them and that was their goal to provide options at multiple price points.

Company response to consumer: Closed with explanation