vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. After reviewing my account from XXXX XXXX XXXX XXXXXXXX it appears to be full of inaccuracies. Also I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. This is not the first time that these inaccuracies have been reported to Equifax with nothing done but a shame request on there part for a account number? This is reported by there agency and they should have the information or again inaccurately reporting is a violation of CFPB regulations. I request the inaccuracies corrected or the account deleted immediately. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} - NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All three credit bureaus incurred a breach of credit information. I am citing code 15 USC 1681 as a reason for my credit history to be reviewed. I have received a letter advising me of my personal information and credit information being a part of an identity theft and fraud investigation. I am also a part of a class action lawsuit against the credit bureas for not removing negative inquiries from my credit report that have affected and prevented me from getting a vehicle, cards and, other important items on credit as a result of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, The US Department of Education determined that the federal student loan that I received to attend XXXX XXXX  ( XXXX ), now known as the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on or after XX/XX/XXXX, through XXXX XXXX, XXXX was eligible for a full discharge... And that the remaining balance on the eligible loan ( s ) would be forgiven, and I would not owe any more payments on the loan ( s ). XXXX transferred my account ( # XXXX ) to XXXX XXXX XXXX XXXX ( XXXX XXXX  # XXXX ). They have started sending requests for payments under the account number ( XXXX ) for the loan ( s ) that the US Department of Education discharged. And it is showing up on my credit report as a late payment...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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  XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX aka known as XXXX has closed two accounts credit card account one for XXXX business card and XXXX personal card they never sent me notice of them going to report late payments nor did Transunion, XXXX and XXXX this is a violation of Section 1637 ( b ) and Section 1666 ( b ).

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 2025-03-30 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:
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 2025-03-30 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXXXXXX 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 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 2025-03-31 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: TN

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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: Kovo
State: AL

Complaint narrative:
I have tried to fix this issue by taking action previously in a third party app called smart credit but for some reason my request was ignored by the company. KOVO is saying that I opened this account XX/XX/XXXX and they are reporting that a last payment was made XX/XX/XXXX but they are stating in my payment history that this account has been charged off since XX/XX/XXXX. Which doesnt make sense.. According to the FCRA, any creditor or debt collector suppose to verify and make sure all reportings are accurate before reporting it onto someones credit report. 

Ive allowed this negative inaccurate reporting to be on my report for to long and now I am requesting it to be removed. I technically never received any money from this company, the only things that were made available were access to apply for different loan companies ( in which I still didnt partake in ) and according to KOVO there wasnt suppose to be any penalties for closing an account early but instead my credit report is being damage because of this late payment reporting from KOVO! 
Please remove this reporting immediately. For you have already violated the FCRA by inaccurately reporting Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I was scam and fruad of XXXX XXXX ( XXXX USD ) from my Coinbase Account. On XX/XX/year>, Coinbase Support added XXXX to my Coinbase wallet. They instruction me that in order to transfer the funds from my coinbase account to my bank account that I need to add 10 % of the gas fee ( bnb ) to my wallet. I want to withdraw XXXX from that account and so I will need to pay about XXXX in gas fee in order to retrieved my money. have to sent out the payment through XXXX and than withdraw the money to the coibase wallet as the support team instructed my to do. I deposited the money on Saturday XX/XX/year> and I waited 7 days until Saturday XX/XX/year> for the funds to be available in my Binance.US account. Once it was sented out immediately withdraw to my Coinbase wallet XXXX address. It had arrived in my account at approximately XXXX pm. When it hit my account I informed the support them about this and they told me to not do anything with the account and in their words " Hold on let me work on your account ''. within XXXX minutes later The funds was sent unauthorized to another account. I immediately notices this about XXXX pm and contact the support team to which they responsed by insinuate that I had something to do withthe funds being sent or I allow someone else I know accessed to my account which is untrue. I have repeated to them severely times that I had nothing to do with my wallet being compromised and when I asked for them to investigated the matter and see who hack into my account and send the funds they refused and said that It was my lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
The Loan Agreement that i Originally signed has different information then on the copy that wads sent to me. The charges were to high and the interest had me paying double the price of the Car this was misleading and They also Took a down payment that was left out of the Price of the Vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I provide the company with a copy of my Driver 's License and social Security card to show my correct identity. I also dispute Bank accounts that I never owe or bank at either, or I never worked at this company either. Then I request for these hard inquires to be removed also. They are given me such a hard time with handle the information and keep requesting the same information over and over. I really will like to get this corrected or I will be looking to get and lawyer to handle this for them reporting improper in formation of my personal, banking, employment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
I have been incarcerated for the past 4 years well when I got out I found out that my chime Bank account had been closed. XXXX of XXXX  I called and asked why my checking account had been closed and they responded by telling me that the reason it had been closed was because of some transaction that was made that the merchant supposedly forced the system to approve. My biggest problem with this is if a merchant forced a transaction how is that my fault? They should have declined it. I just feel like I've done nothing wrong and should be able to bank with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( s ) in question are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts.

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

You have five ( 5 ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance.

Please provide written confirmation once the disputed item ( s ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences.

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Harris & Harris, Ltd.
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation information Under CFR 1006.34 ( b ) ( 5 ) they have recently placed a collection on my Consumer reports.. 
I have made attempts to fix this issue with HARRIS & HARRIS LTD. HARRIS & HARRIS continues to violate my rights I am entitled to a {$1000.00} for every violation listed, they either pay the violations or delete these accounts from my credit profiles ASAP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have reported the same accounts on all 3 credit bureaus. XXXX has been great, but Equifax is NOT looking into what I am reporting.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
After applying for a home I was made aware of some accounts that did not belong to me. The report came and these are the findings. I have created a FTC report and am freezing my file to prevent any other issues. I wish could have been proactive with this. I am a victim of the Equifax data breach, just received a settlement paper in the mail from another breach, giving someone access and opportunity for identity theft. 
The inaccurate and fraudulent accounts 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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I dont owe this debt i never received or signed up for anything with this company Ive ask them to send proof of signature and proof of a copy of my identification card and ssi number it was identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation