vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
It has come XXXX  my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. 
Due XXXX my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national XXXX XXXX a Validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due XXXX Human Trafficking debt bondage, which falls under trafficking according XXXX Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according XXXX  XXXX ( b ) ( 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 2025-04-28 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:
Could you please take a moment XXXX review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy XXXX completeness. Your feedback XXXX insights would be greatly appreciated. Thank you for your time XXXX consideration in 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 non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing this XXXX you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies XXXX false information. There have been letter received XXXX  them but there are no changes occurred to my credit report as of now. I am attempted XXXX  refute : XXXX XXXX XXXX XXXX XXXX {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$7300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$500.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding fraudulent activity and the mishandling of my credit report. 
Despite a fraud alert being placed on my credit file, Equifax, allowed a company, XXXX XXXX XXXX to report inaccurate and false information. I promptly filed a dispute regarding this erroneous account. However, after completing the dispute process, the item was not only reinserted, but the reported amount was increased, making the situation even more damaging to my credit profile. 
I contacted Equifax directly and requested a fraud investigation. I was informed that the company verified the account, yet no additional information or documentation supporting this verification has been provided to me, despite my formal requests. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive information regarding the source of the dispute verification. Their refusal to supply this information is a violation of my rights. 
I respectfully request that the CFPB investigate this matter thoroughly. This fraudulent account is causing significant harm to my credit standing, and the failure of the credit reporting agency to thoroughly investigate and provide documentation is unacceptable. 
Attached are copies of relevant documents, including my previous dispute letters, the fraud alert confirmation, and records of my communication with Equifax. 
Timeline of Dispute : XX/XX/2025 : I was informed that I owed {$190.00}. 
XXXX XXXX I filed a dispute regarding this amount. 
XXXX XXXX The investigation was completed. After the review, a new balance of {$770.00} was reported. 
I would like clarification on how the amount changed from {$190.00} to {$770.00} following the dispute investigation. 
Additionally, I would like proof that this account belongs to me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
In XX/XX/year>, I discovered a fraudulent personal loan account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft or unauthorized use of my personal information. 

The fraudulent account includes : XXXX XXXX XXXX  Personal Loan {$4900.00} Opened in XXXX This account was added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, XXXX  I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-28 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: PA

Complaint narrative:
I am reaching out for your help XXXX  review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks XXXX updating the accounts XXXX  show positive standing as agreed.

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 2025-04-28 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information appearing on my consumer report. Specifically, the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not accurate and must be removed. I have never authorized these addresses to be associated with my credit file, and their presence misrepresents my residence history. This inaccurate reporting violates the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. Allowing these incorrect addresses to remain on my file undermines the integrity of my consumer report and jeopardizes my personal and financial security. I demand that these addresses be permanently deleted from my consumer report, and that a corrected copy be provided to me once the updates have been made.

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 2025-04-28 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: PA

Complaint narrative:
I am reaching out for your help XXXX review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks XXXX updating the accounts XXXX show positive standing as agreed.

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 2025-04-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence which is essential XXXX 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 XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent XXXX willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-04-28 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: CCM Finance LLC
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts and information reported in my credit file as a result of identity theft linked to the data breach that occurred at XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information in my credit report, and I am asserting my rights under this statute. 

Upon reviewing my credit report, I identified several accounts that I did not open and transactions that I did not authorize. These accounts are the result of identity theft, which I believe is directly related to the information compromised in the Equifax breach. The account names are as followed : 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 and US Department of Education XXXX 

To rectify this situation, I have taken the following actions : 1. I filed a report with the Federal Trade Commission ( FTC ) at XXXX, and I obtained an identity theft report. 
2. I reported the theft to my local police department and have attached a copy of the police report.

3. I have placed a fraud alert on my credit report and notified the other major credit bureaus.

I respectfully request that Equifax conduct a thorough investigation into this matter, as mandated by 15 U.S.C. 1681i, and remove the fraudulent accounts from my credit report immediately. I appreciate your prompt attention to this issue and look forward to your timely response. 

Please communicate any updates regarding the progress of your investigation or any actions taken to the address provided above. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX I am writing to request a reinvestigation of the following alleged account that was reinserted on my consumer report. It is an obligation for the consumer reporting agency ( XXXX XXXX ) to follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer of whom the information relates. I am requesting the method of verification, factors, procedures, and nature of scope of the investigation that certifies the validity of this alleged account. Until I receive the proof of certification, the alleged account being furnished to my consumer file is inaccurate and must be removed immediately! Verified accurate is not proof or certification of the alleged account. Below is the alleged account that is inaccurately being furnished. 

Regards, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX ( Incident Date : XX/XX/XXXX ) Account # : : XXXX Routing # : : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 recently checked my credit report and noticed some incorrect information, which is hurting my ability to obtain credit. Please review this accountXXXX

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received a promotion offer in mail stating a {$700.00} bonus if account is opened and maintained a {$5000.00} balance for 60 days. After 90 days I still had not received bonus so I went back to the branch and was told they would not honor there word. I was directed to fine print stating money had to be direct deposited. I opened the account in person and ask many questions and was walked through the whole process by the banker and told everything was good as long as I maintained the {$5000.00} balance. I went back to the branch after 60 days to see why bonus was not applied and was told it would take 90 days. I again at that time ask and confirmed with them that everything was in order to receive the promotion bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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.

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received my XXXX consumer file, and notice discrepancies from XXXX bankruptcy file. I addressed these discrepancies with XXXX with a formal complaint through CFPB. Not only did they not remove it they sent me a link that didnt have a page. This is a ploy not to do the right thing and remove Bankruptcy. I will file in XXXX XXXX district court. In the meantime CFPB, FTC, and Attorney General will receive letter. 
Whom It May Concernn I am filing a formal complaint against XXXX XXXX XXXX for their failure to correct inaccurate information on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX is inaccurately reporting details regarding my bankruptcy filed on XX/XX/year> in Bankruptcy Court, Case Number [ XXXX ]. I submitted a formal written dispute to XXXX, along with documentation proving the inaccuracies, including my bankruptcy discharge records. Despite this, XXXX has refused to correct or remove the inaccurate reporting. 

Their actions violate their obligations under FCRA Sections 1681i ( duty to reinvestigate disputed information ) and 1681e ( b ) ( requirement to maintain maximum possible accuracy ). As a result, I have suffered emotional distress, reputational harm, and obstacles to accessing credit, which are compounded by my XXXX XXXX XXXX XXXX XXXX 

I respectfully request that the FTC investigate XXXX practices regarding consumer report accuracy and take appropriate enforcement action to ensure compliance with federal law. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received my XXXX consumer file, and notice discrepancies from XXXX bankruptcy file. I addressed these discrepancies with XXXX with a formal complaint through CFPB. Not only did they not remove it they sent me a link that didnt have a page. This is a ploy not to do the right thing and remove Bankruptcy. I will file in XXXX XXXX district court. In the meantime CFPB, FTC, and Attorney General will receive letter. 
Whom It May Concernn I am filing a formal complaint against XXXX XXXX XXXX for their failure to correct inaccurate information on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX is inaccurately reporting details regarding my bankruptcy filed on XX/XX/year> in Bankruptcy Court, Case Number [ XXXX ]. I submitted a formal written dispute to XXXX, along with documentation proving the inaccuracies, including my bankruptcy discharge records. Despite this, XXXX has refused to correct or remove the inaccurate reporting. 

Their actions violate their obligations under FCRA Sections 1681i ( duty to reinvestigate disputed information ) and 1681e ( b ) ( requirement to maintain maximum possible accuracy ). As a result, I have suffered emotional distress, reputational harm, and obstacles to accessing credit, which are compounded by my XXXX XXXX XXXX XXXX XXXX 

I respectfully request that the FTC investigate XXXX practices regarding consumer report accuracy and take appropriate enforcement action to ensure compliance with federal law. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Greetings : XX/XX/year> Capital One Bank Had A System Glitch. The Glitch Caused An Adverse Affect In My Financial Wellbeing. I Asked For Supervisor Assistance. I Had Been Transferred To A Supervisor Who'd Escalated The Matter Because I Needed A Call Returned To Me Immediately By Executive Staff.

As Of Today, Nearly 30-Days Later, I Haven't Received A Call From Capital One. 

I Have, However, Been Hung Up On ; Been Switched To A Number Of Staff All The While On The Phone For Over XXXX ; Been Treated Poorly Based Upon My Initial Matter. 

I Am Willing To Go The Distance To Be Treated Equitably, Especially As A New Banking Customer/Consumer ; And, As One Who Has Totally Switched Their Banking Business From A More Consumer-Friendly Bank To A Shockingly Unprofessional Banking Institution.

Company response to consumer: Closed with explanation