vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
This CFPB complaint has been submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian and Equifax, as a credit reporting agency, block the fraudulent information on my consumer credit report within four business days of receiving this complaint. The following accounts do not belong to me and were fraudulently opened without my authorization : These accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. All of the listed accounts, collections, and inquiries are the result of identity theft and fraud. As evidence, I have attached a copy of the FTC Identity Theft Report from the U.S. Federal Trade Commission, confirming that these items are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 3. Identity Theft XXXX  CARD Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 4. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION 5. Identity Theft XXXX Account Number : XXXX PLEASE BLOCK THIS FRAUDULENT INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: DISCOVER BANK
State: IN

Complaint narrative:
XX/XX/scrub>XXXX {$3000.00}. XXXX CHARGES TO TARGET Consumer XXXX  has all my up loaded information and I even sent it to discover thru the mail because you can not upload info on a cell to there site... .I have fought and will continue to fight it and I refuse to pay a bill I did not create! I called FBI AND GENERAL ATTORNEY, XXXX XXXX, CFPB, ALL EVIDENCE I HAD TO SUPPORT MY CLAIM. The other, bank and paypal have dismissed scam charges on the exact same day as discover scams were made. I told Discover now that the CFPB is dismantled due to politics that they could screw anyone now! They are this old lady but they aren't getting a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I been working my new job for about a year now and ever since the first time I deposited my check for XXXX $ XXXX2024. They flagged me for fraud. I called fifth third we got everything sort out so I thought.They mailed me a new debt card and all but for some odd reason. Every two to three months they would flag my account having me close and open accounts multiple times. To the point where I was on the verge of losing everything. Fifth third says they bare no responsibility for any late fees they cause from holding my checks or closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I'm a longstanding Discover customer. In XXXX, I contacted Discover and advised them I lived in XXXX XXXX, had been directly affected by the fires/evacuaitons and asked them for info about disaster relief being offered, but was clearly told that they were not offering any disaster relief or it would have been automatically applied. Although I was struggling, I went ahead and borrowed money to make the payment. In XXXX, also a direct result of the fires/evacuations, I lost my job. I again contacted Discover, explained the situation and asked for disaster relief. This time, I was redirected to XXXX separate people, and finally transferred to supervisor " XXXX, '' who informed me that all I needed to do was pay the amount that had gone past due of {$270.00} and then they could immediately defer a few payments once the payment posted. I took very careful notes, repeated the terms of this agreement back to her several times ( on a recorded line ) and made the payment. She just said to call back as soon as the payment had posted and there would be no issue. She did not make any mention that I had to do so the following day before the next statement closed. Also, my last payment took XXXX days to clear, so I did not anticipate in clearing the next day. On XX/XX/XXXX, I called back and spoke with supervisor XXXX in the XXXX XXXX. XXXX told me that although the account was notated with my discusson from XX/XX/XXXX and that she could clearly see errors on their part being made, I had waited too long to call back ( XXXX days ) and now there was another past due amount I would have to pay before disaster relief could be applied. I have consistently acted in good faith to try and maintain my account in good standing. Rather than helping me at all during this difficult time, I have repeatedly been kept on hold, transferred around and given blatantly false information that is causing me significant damage. 

I have now had several conversations with XXXX in XXXX 's XXXX Offices ( XXXX ). Besides being told XXXX was not offering any disaster assistance for the fires in XXXX ( which was completely false ), being assured that I was eligible and would receive XXXX to XXXX months of disaster relief if I made XXXX payment to bring the account current ( which they renigged on ), XXXX telling me he would call me back in a few days and me having to call back repeatedly, he is now telling me that although I was never told I had to call back by a certain date to request the disaster relief again, that I have to not only make XXXX payment to bring the account current AGAIN, but have to make XXXX payments, even the current XXXX, and then will only be considered for the disaster relief eligibility, even though I've been repeatedly told in multiple RECORDED phone conversations that I was clearly eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is violating my rights, they have not provided the requested validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several previous attempts to rectify these issues directly with them and they have continued to violate my rights and I am entitled to {$1000.00} for every violation i listed, they can either pay me or delete these accounts from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit reports from Equifax, TransUnion, and Experian and identified multiple inaccuracies, including unauthorized inquiries, outdated account information, and accounts that I have closed but have not been properly updated. 

1. Unauthorized Inquiries The following companies have placed inquiries on my credit report without my authorization. I did not apply for credit with these companies, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) : 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, XXXX. 
XXXX XXXX XXXX 2. Outdated/Inaccurate Account Information I have done business with the following companies, but they have failed to update my account with accurate information. I request that my records be corrected to reflect my current standing, including correct balances, payment history, and account status : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Closed Accounts Not Properly Updated I have previously closed accounts with the following companies, yet my credit report still reflects them as open or active. I request that my records be updated to reflect their closed status : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  I have attempted to resolve these issues directly with the credit bureaus and the companies involved, but I have not received a satisfactory resolution. Please investigate this matter and take appropriate action to correct my credit report. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: DE

Complaint narrative:
On XXXX XXXX I tried logging into my account, which didn't work. I tried re-registering for a new login, which didn't work. So, I tried calling for help and was unable to get through after XXXX hours on hold during business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX Account Number : 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 2025-02-24 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 explanation
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
I did not authorize these financial institutions to run my credit to see if I were approved for a car loan. I know to go through a credit union instead of allowing them to constantly run your credit through multiple banks. I would like these inquiries to be removed from my report, please.

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 2025-02-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize these financial institutions to run my credit to see if I were approved for a car loan. I know to go through a credit union instead of allowing them to constantly run your credit through multiple banks. I would like these inquiries to be removed from my report, please.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against TransUnion for their continued failure to correct inaccurate reporting on my credit report. Despite submitting multiple disputes regarding these accounts, TransUnion has failed to update or remove them, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX Still Reporting XXXX XXXX XXXXXXXX Charged XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORTING XXXX XXXX XXXX XXXX XXXX XXXX were charged-off and sold to third-party debt collectors , meaning the original creditor should be reporting a {$0.00} balance. However, TransUnion has failed to properly investigate my disputes and continues to report an incorrect balance.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) - TransUnion did not properly verify the disputed information.

Failure to Update or Delete Inaccurate Information ( 1681s-2 ( b ) ) - The accounts are still showing incorrect balances despite being sold to a third party.

Failure to Provide a Droper Dispute Resolution ( 1681 * ( 5 ) ) - TransUnion continues to verifv inaccurate data without evidence.

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 2025-02-24 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX  My correct address is: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 2025-02-24 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX  My correct address is: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 explanation
Consumer complaint received 2025-02-24 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:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Bellow are the details of the disputed accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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