vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted XXXX, Equifax and XXXX to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, XXXX, XXXX and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that XXXX, XXXX and Equifax has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1. ) Account Name : XXXX  XXXX AUTO FINANCE Date XXXX Balance reported : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Balance Reported : XXXX XXXX. ) Account Name : XXXX COLLECTIONS XXXX Date XXXX Balance Reported : XXXX INCORRECT ADDRESSES LISTED : 1. ) XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. ) XXXX XXXX XXXX XXXX, VA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX. ) XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX, FL XXXX INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : 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 2025-04-10 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
Servicing Solutions is illegally reporting a business credit card account ( originally issued by XXXX under XXXX, XXXX ) on my personal XXXX credit file. The account was in good standing, active on AutoPay, and never in default. Without notice, XXXX closed the XXXX XXXX XXXX XXXX program and transferred the balance to Servicing Solutions, who began unauthorized ACH debits from my XXXX XXXX bank account. 

I had never heard of Servicing Solutions, never agreed to this transfer, and was never properly notified. They failed to provide written documentation despite my repeated requests. They are now reporting the account as a personal " joint '' credit card with 30-day late payments and a past-due balancedramatically dropping my XXXX score from XXXX to the low XXXX. 

They also misrepresent themselves as a " servicing agency '' while acting like a collection agency. This account is being falsely reported as " closed at grantors request '' and is the only negative mark on my credit. 

I have already filed a Regulation E dispute with XXXX XXXX and initiated stop payments. I demand this account be removed from my personal credit and all unauthorized activity and false reporting be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Please block and remove the accounts listed on my ftc report off my credit report. Those accounts do not belong to me and they are fraudulent! I need them removed immediately 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 2025-04-10 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: FL

Complaint narrative:
Please block and remove the accounts listed on my ftc report off my credit report. Those accounts do not belong to me and they are fraudulent! I need them removed immediately 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 non-monetary relief
Consumer complaint received 2025-04-10 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: NJ

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 2025-04-10 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: NJ

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear whom it may concern, I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear whom it may concern, I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

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 2025-04-10 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: MI

Complaint narrative:
Subject : FORMAL DEMAND FOR INVESTIGATION & DELETION Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681i ] regarding the account listed below : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account # : XXXX Reported Balance : {$330.00} Date Opened : XXXX  Payment Status : Reported as " Seriously past due / Collection '' I dispute the accuracy, validity, and completeness of this account. This account is not mine or was reported inaccurately, and I am demanding the following actions be taken : Immediate reinvestigation into this account per FCRA 1681i.

Provide full verification and documentation including : A copy of any contract bearing my original wet signature Complete payment history Proof of ownership and authority by the furnisher to report this debt Evidence that you are authorized to collect debts in my state If this account can not be fully verified and documented within 30 days, it must be permanently deleted from my credit file. 

A copy of your investigation results must be mailed to me. 

You are not allowed to continue reporting unverifiable, inaccurate, or outdated information. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and state attorney generals office. You may also be held liable for damages under FCRA 1681n and 1681o, which allows for actual damages, punitive damages, and attorneys fees. 

This is also a CEASE AND DESIST notice. Do not share, sell, or reassign this account until you resolve this dispute with proper documentation. You are to return this account to the original creditor immediately if you can not prove full verification.

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 2025-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
On the week of XX/XX/XXXX, I was provided a {$50.00} gift/depit card by a Florida resort ( XXXX  XXXX XXXX XXXX XXXX XXXX ) for time provided to them. The card had to be used on the resort during my stay. I purchased items on the card in the amount of {$26.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to make a purchase at the resort store but the card was blocked. The resort cashier tried to contact the company directly and was told that there was no balance. Since I was leaving the resort that day and traveling there was nothing more I could do. 

On XX/XX/XXXX I called the company at the number on the card. They confirmed that there was a remaining balance of {$23.00} on the card but that there was a hold for a pending transaction on the card so it was not available. I informed them that there was no hold and the only transaction I attempted to make at the resort store was blocked and that the pending transaction was most likely the store sale that could not go through. They told me that I had to call them back in 8 - 10 days to have it cleared. I advised them that I had left the resort and would not be able to use it. They would not do anything until the time period elapsed. 

After the waiting period I called back and got a run around. I advised them again of the situation and they said I could now use the card but had to use it by XXXX. I told them that this was not acceptable because I was no longer at the resort and that this was their system error. They said there was nothing they could do. After much back and forth and several phone calls I was told that I had to wait until AFTER the time period for the card expired and then call to request a one time extension, which was fine for me as we planned to return again in XXXX. I also asked what happens to the money on the card when it expires and they claimed that it went back to the resort or whoever purchased the card. 

After waiting until the card expired I called to have the card extended and could not access the company through the number on the card because it was no longer active. Once I found a way to reach someone there I was told that the card is not active and they could do nothing. They refused to escalate my call, provide any information other than they work for a company called ONBE with no address or phone provided. 

With several lies and false statements, difficulty reaching someone and their outright refusal to provide any help in resolving this relatively minor issue I have to believe that this company is running a financial scam of a XXXX larger magnitude and request that it be investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No other information available from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and financed it through Capital One Auto Finance. I was verbally told the total loan would be no more than {$15000.00}, with monthly payments not exceeding {$350.00}. I made a {$1500.00} down payment. I later discovered my loan was for {$33000.00} and monthly payments are {$450.00} which I never agreed to and was not shown in any documentation at the time of purchase. 

Additionally, a loan processor from the dealership instructed me to falsely tell Capital One I had made a {$6000.00} down payment, which I refused to do. I was also never provided a bill of sale or loan agreement to review. 

This situation has caused financial hardship and delayed the launch of my mobile business, XXXX XXXX XXXX XXXX, due to the vehicles failing transmission. I am requesting a full investigation and cancellation of the loan due to misrepresentation and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
I would like you to please remove the information from these accounts, they contain incorrect and negative information, which is affecting my credit file, account charge off with balance, charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Please investigate this accounts properly this inaccurate information violated my rights. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. this account Purchased by another lender XXXX XXXX XXXX XXXX was file in court was dismissed I attach the letter XXXX XXXX  Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. this is another account was report activity after the charge off, I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXXXXXX mortgage with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


XXXX XXXX XXXX mortgage with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I noticed that there was inaccurate accounts opened on my credit report with XXXX XXXX. I reported the accounts as fraud and identity theft and I awaited some kind of response from the company but never got it. Im unable to see the amount that they are claiming to be owed because the person who use my identity has all that information and I am unavailable Unable to get this resolved and it negatively reflecting 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