vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-06 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: AZ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I went through the Capital One credit card website, signed into my account and selected a Cap One offer ( not Capital One Shopping ) for XXXX XXXX XXXX Was to receive a XXXX XXXX cash back once XXXX XXXX transaction posted ( + up to 90 days ). 
Best Western transaction posted XX/XX/XXXX. 
Received a PARTIAL cash back of {$7.00} on XX/XX/XXXX. 
I should have received cash back of {$13.00} - a difference of {$6.00} I called Cap One on XX/XX/XXXX. XXXX transferred XXXX. Was on hold for XXXX minutes!!! 
When the last associate said she had to transfer me one more time, I said 'never mind ' Enough is enough I want Capital One to refund me the {$6.00} they owe me. This is NOT a dispute with XXXX XXXX. I received the service from them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
These accounts were opened without my permission and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-06 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: NJ

Complaint narrative:
XXXX XXXX D.O.B XX/XX/XXXX SSN XXXX After reviewing my credit report online, I've noticed a late payment on one of my accounts. I have never been late on any of my accounts and I know for a fact that this is more than likely a billing error on the company 's part. 
XXXX XXXX XXXX 
Account number XXXX dates reporting late inaccurately XX/XX/XXXX2025. 
I demand that is late payment be reversed and by UPDATED to paid on time never late!

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 2025-05-06 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
When applying to refinance our home loan through XXXXXXXX XXXX it was found out that XXXX XXXX was an authorized user on a card for XXXX XXXX. Thats already in debt counseling with guardian litigation. XXXX took XXXX off as an authorized user and was asked to get a letter from the company saying what date that happened so his credit report could be corrected. After three phone calls that totaled about two hours they refuse to give the information or the letter it said that something they dont do. They said refer to the statement that its on there, but its not. The account is now closed for XXXX to access online data. It is still in the credit counseling stage with guardian litigation. 

this is what XXXX our mortgage lender is requesting for XXXX XXXX. 

I need a written statement confirming that I have been removed as an authorized user from credit card account ending in XXXX. My mortgage lender requires the exact wording : 'XXXX has been removed as an authorized user on this account. ' Please understand this is a critical condition for mortgage approval. '' I tried to call Bank Of America credit counseling again today to see if I can get information to escalate this and its only recordings and will not let you talk to a person. 

This escalation path did not work part of it is filing the complaint. 
Even though front-line reps are refusing, Bank of America can issue a letter, but it usually requires escalation. Heres how : Escalation Paths Executive Customer Relations : Call BofAs Office of the CEO at XXXX. 
Ask to speak to the Credit Bureau Reporting Department directly.

File a complaint via CFPB if they continue to refuse ( www.consumerfinance.gov/complaint ) BofA typically responds within 710 days and often provides written confirmation when pushed through that channel. 

The number that was phoned above goes to the credit counseling department. It doesnt even go to the CEO. 

Thank you so much. We just need this letter to be able to proceed with refinance of our home. Thank you, XXXX XXXX. 

XXXX XXXX address is XXXX XXXX XXXX XXXX CO XXXX. The letter would need to be mailed to XXXX. Ss number is 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 2025-05-06 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX on all three credit bureaus. I have asked both this company and the credit bureaus for the original documents and something showing that this debt is owned by me. I have asked Experian, Equifax and Transunion to produce documents that they used to verify this information, and I have yet to receive anything. This item shows written off, but I have not received a 1099 for it or anything, and the debt was supposedly written off last year. Per the Internal Revenue Service, Creditors are required to issue a 1099-C for the tax year in which an identifiable event took place. I plan to report this to the IRS and let them know this company has committed tax fraud. 15 U.S. Code 1692g - Validation of debts. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I still have not received this information. I never received written notice about this debt.

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 2025-05-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX on all three credit bureaus. I have asked both this company and the credit bureaus for the original documents and something showing that this debt is owned by me. I have asked Experian, Equifax and Transunion to produce documents that they used to verify this information, and I have yet to receive anything. This item shows written off, but I have not received a 1099 for it or anything, and the debt was supposedly written off last year. Per the Internal Revenue Service, Creditors are required to issue a 1099-C for the tax year in which an identifiable event took place. I plan to report this to the IRS and let them know this company has committed tax fraud. 15 U.S. Code 1692g - Validation of debts. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I still have not received this information. I never received written notice about this debt.

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 2025-05-06 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:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
ACCOUNTS XXXX XXXX XXXX {$3700.00} XXXX {$11000.00} XXXX {$2100.00} XXXX {$1600.00} XXXX {$1700.00} XXXX {$130.00} XXXX XXXX {$3500.00} XXXX XXXX {$1800.00} XXXX {$410.00} XXXX XXXX {$2400.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> ; I wrote Hi, I just received a notification that {$520.00} will be deducted on XX/XX/XXXX but my remaining balance is less than that. Could you check and confirm? 

XXXX AM XXXX XX/XX/year> ; XXXX from Volvo responded Thank you for your recently submitted inquiry. 
Our records indicate the balance is less than your monthly payment of {$520.00}. We will only draft the balance left to close out your account. 
If you have any other questions, please refer to our online Help Center. You may also respond to this inquiry or call our office. 

XXXX XXXX XXXX XX/XX/year> ; I wrote back Hi, you confirmed that only remaining balance will be deducted from my account but still I see a deduction of the entire {$520.00} from my bank account. Could you check and refund the excess amount? 

XXXX AM XXXX XX/XX/year> ; XXXX from Volvo responded We apologize for our system being drafted as authorized versus the amount due. 
An overage of {$300.00} is already in process and scheduled to be regularly mailed XXXX business days after XX/XX/year>. 
We are very sorry for any inconvenience. Please allow time to receive it. 

XXXX XXXX XXXX XX/XX/year> ; I wrote back Thanks for your response, I'll get back my additional money deducted almost 1 month later due to your system error. How much interest is going to be paid on that? 

XXXX PM XXXX XX/XX/year> ; XXXX from Volvo responded We apologize for our system being drafted as authorized versus the amount due. 
An overage of {$300.00} is already in process and scheduled to be regularly mailed XXXX business days after XX/XX/year>. 
We are very sorry for any inconvenience. Please allow time to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX

Company response to consumer: Closed with non-monetary relief