vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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 have made disputes on what is being reflected on my credit report, requesting proof of ownership, it is also harming my ability to rent and buy a home. Advancing in my carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I have made disputes on what is being reflected on my credit report, requesting proof of ownership, it is also harming my ability to rent and buy a home. Advancing in my carrier.

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 2025-02-21 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: UPGRADE, INC.
State: CA

Complaint narrative:
I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/2022 Balance : {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Account name : SOFI BANK Account number : XXXX Date opened : XXXX/XXXX/2022 Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: SC

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-21 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-02-21 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
There was a data breach in Equifax my information was compromised, I was a victim of identity theft and my information again was compromised. I notified the company of my issues which they resolved only a few items related to the fraud however, they decided to leave inquiries I reported directly connected with unauthorized inquiries into my consumer report. XXXXXX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/scrub> 2024 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX, 2024 XXXX XXXX, and XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX All these companies are in direct violation of my consumer rights 15 USC 1602P, 18 USC 1028A. 15 USC Section 602 A. Clearly states that I have a right to privacy. 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681 ( c ). They are not legally entitled to make the inquiry.

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
{$860.00} as of XXXX XXXX I never opened this account nor did I open this account with spring oaks capital they stole my information and are reporting to the credit bureau false information which is messing with my credit at this point I will sue spring oaks capital if this is not taken care of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
On XX/XX/2025, I scheduled a final payoff payment of {$1600.00} for my auto loan with TD Auto Finance. On XX/XX/2025, TD Auto Finance withdrew {$1600.00} from my account ( Transaction : Td Auto Finance-Web Pay-XXXX ). However, on the same day, they also withdrew an additional {$440.00} ( Transaction : Td Auto Finance-Loan Pymt-XXXX ). 

My account on TD Auto Finances website confirms that I do not have any overpayments or credits, and as of XX/XX/2025, my total balance due was only {$1600.00}. Despite this, TD Auto Finance withdrew a total of {$2100.00} from my personal bank account on XX/XX/2025.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Acceptance Corp AKA Truist Financial Reported incorrect information on my credit on XX/XX/XXXX. I asked about the XXXX insurance in XXXX and why it was not reported on my balance of the account? Account was closed XX/XX/XXXX but as of this date claimed I made a payment of {$430.00} on XX/XX/XXXX. The date updated for this account was XX/XX/XXXX? This changed the balance to XXXX? I tried to get financing and finance manager said that I restarted the time of account even though it was closed XXXX years prior. Regional Acceptance Corporation/ Truist Bank claims the Bureaus reported incorrect information and the XXXX Bureaus claim Regional Acceptance/ Truist made the claims of incorrect reporting. The XXXX, XXXX, XXXX say they can not fix the report only the Creditor can which is Regional Acceptance Corporation/ Truist Bank.as RAC / Truist Bank can make Corrections to my report. This has been an ongoing dispute since XXXX beginning with reporting late payments that has been corrected before XXXX. XXXX XXXX of Regional Acceptance/ Truist Bank will send replies in typed letters that has nothing to do with my account and says the Bureaus are responsible?

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 2025-02-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Reported incorrect information on my credit on XX/XX/XXXX. I asked about the XXXX insurance in XXXX and why it was not reported on my balance of the account? Account was closed XX/XX/XXXX but as of this date claimed I made a payment of {$430.00} on XX/XX/XXXX. The date updated for this account was XX/XX/XXXX? This changed the balance to XXXX? I tried to get XXXX XXXX XXXX XXXX said that I restarted the time of account even though it was closed three years prior. XXXX XXXX XXXX XXXX XXXX  claims the Bureaus reported incorrect information and the three Bureaus claim XXXX XXXX XXXX  made the claims of incorrect reporting. The XXXX, XXXX, Transunion say they can not fix the report only the Creditor can which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX can  make Corrections to my report. This has been an ongoing dispute since XXXX beginning with reporting late payments that has been corrected before XXXX. XXXX XXXX of XXXX XXXX XXXX XXXX will send replies in typed letters that has nothing to do with my account and says the Bureaus are responsible?

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 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I lived at XXXX XXXX , whose owned by XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. I fell behind on rent payments due to covid and the Covid-19 Relief Fund sent the apartment a check in XXXX of XXXX to cover the balance due that the apartment sent them that I owed. I received a letter in XXXX of XXXX from the apartment 's lawyer group, Kimbal, stating that I owed {$25000.00}. I sent them a copy of the award letter, letting them that the apartment was already paid in XXXX of XXXX. It showed up on my credit report instead of them updating the payment that was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-21 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: PA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
On XX/XX/XXXX or somewhere around then. I submitted a dispute for a transaction on my account because I paid for a product that ended up being fake. I requested a chargeback but instead got my account locked. Im not sure why to this day because the fraud happened outside of the app. Nobody had access to my account.

I made the purchase. Now Im completely barred from even proving my account is mine for some reason. The app states they couldnt verify me before I even tried. Nobody to talk too either. Im about lose everything I have including my job because someone made up a fake scenario in their head that my money was being stolen when theres no evidence of that other than me just wanting a charge back for a fake product I bought.

Company response to consumer: Closed with explanation