vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> I had received a call from an automated message saying my card, ending in a specific XXXX numbers, had suspicions activity on it. I Ignored because I had no cards matching that number and thought it was a spam call. 
XX/XX/year> I get home from work and get the mail. In the mail i find information and a card linked to an account from US Bank that I did NOT open on XX/XX/XXXX. I have not banked with US Bank once. I call the bank immediately and report that the account is not mine, i did NOT open it. The banker asked me some verification questions like name, address, SSN and they did indeed use my name, social security number, & address to open an account. But they did use another phone number and email to create the account. He then told me that the account was opened at a branch off of XXXX, which is only a couple miles from where I lived. He then told me that the account would be on lockdown and they were to do an investigation and get back to me. I then contacted to the police to report identity theft and was told to go to the bank to find out what's happening. I then proceed to the bank with my fiance. After asking for the XXXX we sit down with her and I explain the situation. As I'm explaining and asking questions about what is going on she's sitting on her computer on XXXX sending messages to people, I can see the screen where I'm sitting. She the proceeds to tell me that indeed my identity was taken but i had misinformation about how the account was opened and that it was " opened online ''. She proceeds to tell me that anyone can open an account but they do not need to show proof of identification when opening an account and they don't need to verify their identity until having the account for XXXX months. She also tried showing me on the computer as i then again saw her messaging on XXXX before getting in contact with someone about my account. I then ended the conversation receiving no answers to anything but rather more questions to what's going on at US Bank. I then have to proceed to lock everything down and buy special protection for my identity. 
XX/XX/year> I have not heard anything back.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has been reported to XXXX since 2019. Whenever the company is asked to delete fraudulent file it attempts to Manipulate data instead of complying with FCRA standards which require they delete. Company then send out false reports in the mail as well as to CFPB. As seen in the credit file attached all other cards are reporting but XXXX has not since 2019XXXX  This is both due to the file already being fraud and the companies manipulative practices. The company has stated they have updated and reviewed all request but its very clear that is not happening.

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 2025-03-29 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:
Equifax XXXX XXXX  confirmation number XXXX what is this XXXX, { XXXX } what was the name on the dispute you report information as accurate, updated verified as accurate but you do not show the account information to see if the investigation was done I request the investigation and the company name and account The results of your investigation you have reviewed the identification information { THE RESULTS } member number submitted not reporting as inquiry on credit file please verify the member number and resubmit your dispute online Name on document enclosed is right ssi #, birthday right SO how did you investigate anything stating my information is wrong it was submitted on line. this is a still tactic that is against the FCRA you were sued for this type of reporting ON line the confirmation number will not let you see anything this is a big joke I hope the CFPD looks at this WHAT EVER THE ACCOUNT IS REMOVE IT AT ONCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 am writing to formally report inaccuracies on my credit report. I recently reviewed my credit report and found discrepancies that I believe require correction. The inaccurate information is adversely affecting my credit score and may also impact my ability to access credit, loans, and other financial services. Seen in the attachment screenshot XXXX is reporting a 90 day late in XX/XX/XXXX on Experian, Trans Union , and Equifax but in XX/XX/XXXX TransUnion & Equifax does not report 90 days late but yet Experian does. A 30 day or 60 day late notice was never issued by XXXX. My three active loans from XXXX have been reported inaccurately. You'll also see some inaccuracies Dating back to XXXX of XXXX as well. I don't see how this is possible if all three credit bureaus should be reporting the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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 am writing to formally report inaccuracies on my credit report. I recently reviewed my credit report and found discrepancies that I believe require correction. The inaccurate information is adversely affecting my credit score and may also impact my ability to access credit, loans, and other financial services. Seen in the attachment screenshot XXXX is reporting a 90 day late in XX/XX/XXXX on Experian, Trans Union , and Equifax but in XX/XX/XXXX TransUnion & Equifax does not report 90 days late but yet Experian does. A 30 day or 60 day late notice was never issued by XXXX. My three active loans from XXXX have been reported inaccurately. You'll also see some inaccuracies Dating back to XXXX of XXXX as well. I don't see how this is possible if all three credit bureaus should be reporting the same 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 non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As a victim of identity theft and the Data breach, I have identified the following accounts as fraudulent.

Under federal law, you are required to block and remove these accounts within four business days of receiving this request AS THIS ISSUE IS HURTING MY FAMILY FROM HAVING A HOME AND JOBS FOR MYSELF Fraudulent Accounts for Immediate Removal The following accounts were fraudulently opened or contain inaccurate negative reporting due to identity theft and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As a victim of identity theft and the Data breach, I have identified the following accounts as fraudulent.

Under federal law, you are required to block and remove these accounts within four business days of receiving this request AS THIS ISSUE IS HURTING MY FAMILY FROM HAVING A HOME AND JOBS FOR MYSELF Fraudulent Accounts for Immediate Removal The following accounts were fraudulently opened or contain inaccurate negative reporting due to identity theft and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
1- Well Fargo broke a modification contract I had and removed me from the agreement ; this happened in XXXX. XXXX They lied to the federal court and the XXXX XXXX XXXX XXXX using an altered property title that was not registered with the lender. I have a letter they sent us stating they did not have the original title. 3- They deceived the property insurance company by lying that the house was empty. 4- Through threats and blackmail, they sent the full payment for the house and charged us a high percentage of 9.3 % on the mortgage. 5- They used employees to do robo signings to take us to foreclosure. This bank did many injustices by lying to the court without being owners of the mortgage loan. I also have information from XXXX people who suffered the same situation as us. Well Fargo needs to stop taking all actions against its citizens, so I'm asking for your help. I want to bring all the documents I have so you can verify that what I'm saying is true. My husband died, and now I no longer trust them because of everything we went through in XXXX and XXXX. I also have information about the assistance provided by former President Obama, where he was helping homeowners make modifications, and the federal government would pay the rest of the money. They broke that agreement with us, and now I want to share this information with you. I'm requesting an appointment at your office so I can give you all the documentation I have. Please, I ask for your help. I'm a XXXX  and I'm very stressed about this situation.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I have received several phone calls from FCS calling from a local number XXXX and they leave a message for me to return their call to XXXX ... the last call I received was on XX/XX/XXXX and the person identified himself as " XXXX '' asking for me to contact him or other representatives... I do not have any accounts with this company and they are constantly calling my phone... and in accordance with US law " 42 U.S. code 1983 - civil action for deprivation of rights '' I would like them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate personal information and addresses listed on my credit report. On XX/XX/year>, I applied for a mortgage loan to purchase my home and discovered these errors. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I request an immediate investigation and correction of these inaccuracies. 
Corrections Requested : Name : The only correct name that should appear on my report is XXXX XXXX XXXX. Please remove all incorrect name variations, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : The only correct address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MO

Complaint narrative:
XXXX XXXX XXXX Formal Dispute and Request to Remove Inaccurate Information Under FCRA 605B and 611 To XXXX I am filing this dispute to demand the immediate removal of fraudulent and inaccurate information on my credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ). The listed accounts below are not valid and must be investigated and removed. Disputed Items The following accounts appearing on my XXXX credit report are fraudulent : 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 Violations of the FCRA and FDCPA 1. Failure to Investigate : Under FCRA 611, XXXX must investigate any disputed information. If the furnishers can not verify the accounts, they must be removed. 2. Failure to Notify : Under FDCPA 1692g, debt collectors are required to notify me within five days of their first contact. This notification did not happen for the accounts above, making these debts unverifiable and invalid, must be removed immediately. 3. Insufficient Validation : A breakdown of charges is insufficient for verification. Validation must include documentation proving the debts are mine, including my wet-ink signature on the original agreements.

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 2025-03-30 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: CA

Complaint narrative:
Hello, I submitted a dispute with XXXX XXXXXXXX XXXX, Experian & Equifax XX/XX/XXXX. 

They are still supplying CRAs with inaccurate information on my credit report that is a violation 15 U.S.C 1681s-2 ( 1 ) ( a ).

They have the wrong date of delinquency which is a violation of 1681s-2 ( 5 ) ( A ) see case XXXX XXXX V performance capital mgmt., Inc., F.T.C File No 982-3542.

15 U.S. Code 1681e ( b ) - Compliance procedures of accuracy and procedures.

15 U.S. Code 1681i ( 5 ) ( ii ) states this information must be promptly deleted.

15 U.S. Code 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages.

I want my case to be completed by 30 days as the CRAs are allotted by law.

Equifax & Experian have different dates and inaccuracys of payment history Equifax states my payment history is paid never late as of XX/XX/XXXX but Experian states Im charged off, date of delinquency is inaccurate, date of last activity on both accounts are inaccurate, and last reported date. 


Account on my credit report is XXXX I am submitting a picture of my credit report and inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to you to request the removal of an inquiry appearing on my credit report. In accordance with current legislation and my rights under the Fair Credit Reporting Act ( FCRA ), I would like to request that this inquiry be removed from my report, as I believe it was made without my explicit consent or under circumstances that do not meet the requirements established by law for its recording. 

I would appreciate it if my case could be reviewed and the aforementioned inquiry removed from my credit report. 

ONEMAIN FINANCIAL Personal Service Reseller Individual XXXX XXXX. 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I do not have a contract with this company nor any accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I am reporting a tradeline associated with XXXX XXXX XXXX XXXX XXXX XXXX ), which was shut down and issued FDIC enforcement orders in 2008 to cease reporting and delete certain accounts. Despite this, a related account is still appearing on my credit report under XXXX XXXX XXXX ( XXXX ). I have requested verification and removal, but the account remains. I believe this violates FDIC orders and possibly the Fair Credit Reporting Act ( FCRA ).

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 2025-03-29 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/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 2025-03-29 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: MD

Complaint narrative:
I did not approve this inquiry and had no discussions with the lender at the mentioned time.

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