vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-02-24 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am filing this complaint against HARRIS & HARRIS XXXX for falsely reporting my account as delinquent and sending it to collections despite my continued payments. I discontinued my service with XFINITY but continued to pay my balance. Despite this, my account was wrongfully sent to collections, which has now negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681s-2 ], a company can not report inaccurate information to credit bureaus. XXXX has failed to properly update my account status, violating my consumer rights. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S. Code 1692e ], misrepresenting a debt status is illegal. I formally request the CFPB to take action against XXXX and require them to : 1. Remove the incorrect collections report from my credit file immediately. 2. Provide a written statement correcting the error. 3. Ensure this issue is resolved and prevent further inaccurate reporting. I have attached proof of my payments and account status. Failure to correct this may result in further legal action.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX Balance {$11000.00}

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
My credit card was paid in full with interest before the due date and then I had a credit of 300 then the charged me an interest fee of XXXXafter card was payed off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I never lived here, I have proof of my last lease. I dont understand how this company is harming my credit and the debt isnt owed to them its owed to XXXX XXXX I would like to Cease & Desist & Protect My Credit Under The Fair Credit Act & Cut All communications to this company in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I made a former complaint about this issue, still no resolution to the problem still getting charges. Just received another today from XXXX once again another fraudulent charge. American Express still done nothing to resolve this and let the fraudulent charges to keep rolling into my card and expecting me to pay for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Westlake Financial for Predatory Lending & Wrongful Repossession Dear CFPB , I am filing a formal complaint against Westlake Financial Services for deceptive lending practices and wrongful repossession of my vehicle, which violated consumer protection laws and caused me significant financial and emotional distress. 

Westlake Financial engaged in the following misconduct : Failure to Provide Legally Required Notice : My vehicle was repossessed without prior written notice, violating C.R.S. 4-9-611. Westlake falsely claimed they had notified me about the potential repossession but I was only notified about my late payment ( not repossession ), but I never received any voicemails, emails, or mailed notices regarding the repossession and they had the correct three forms of contact information for me. ( Email, Mail and Voicemail ) Fraudulent Payment Demand : Westlake informed me that paying {$1700.00} would prevent the auction of my vehicle, cover all the repossession fee 's and clear the repossession off of my credit history. I made this payment in good faith, yet they auctioned my car without informing me.

Unjustified Vehicle Relocation : After repossession, my vehicle was first towed to XXXX XXXX, Colorado. Despite paying {$1700.00}, XXXX then sent it to XXXX XXXX XXXX, Utah, when asked why they sent it to Utah they told me because they send it to the nearest XXXX location, even though the nearest XXXX auction location is in XXXX, Colorado ( only XXXX miles away ). This appears to have been an intentional effort to make retrieval difficult. 

Westlake Never Notified Me About the Auction, Violating Consumer Protection Laws After paying {$1700.00}, I informed Westlake I needed one month to save money and travel to retrieve my vehicle.

Westlake agreed to this arrangement.

Despite this, Westlake sold my vehicle at auction without notifying me.

I received no phone calls, emails, or mail notices informing me about the auction sale, violating Colorado UCC Law ( C.R.S. 4-9-614 ), which requires written notice before a vehicle is sold.

Westlakes Fraudulent and Unfair Actions Caused Severe Financial and Emotional Hardship I was preparing for the birth of my son, and this wrongful repossession caused extreme financial and emotional distress.

Losing my vehicle due to Westlakes deceptive practices jeopardized my ability to provide for my growing family.

Failure to Provide Required Post-Repossession Notices : Westlake did not provide the legally mandated notices before auctioning my vehicle, in violation of C.R.S. 4-9-614.

Unlawful Debt Collection Threats : Westlake is now demanding the remaining loan balance and threatening to send it to collections, despite their deceptive actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
Experian, Equifax, and Transunion are all reporting conflicting information concerning XXXX XXXX account opened in XXXX and other accounts that they refuse to investigate. This particular account is closed and is reflecting negatively on my credit. I have reached out to each bureau to correct this error, but have not been successful. The number of late payments should reflect exactly as the company reported from their system. However, the agents I spoke to on Tuesday, XX/XX/XXXX, stated that they would not be able to do anything about this. My last resort is to have the CFPB reach out to each bureau to request a proper investigation into this matter. I would like the addresses, names, and late payments to reflect accurately at each bureau. Also, I would like for my request to delete hard inquiries that I did not authorize. My information has been confirmed as compromised in the Equifax data breach and I am at risk for fraudulent activity.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXXXXXX XXXX  and XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have recently become aware of fraudulent activities carried out using my personal information without my consent. It has come to my attention that several credit card accounts have been opened in my name with XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were unknown to me and as a result they were not maintained and subsequently been CHARGED OFF. Upon discovering this unauthorized account, I immediately contacted each of the companies. After being directed to their fraud department I was advised to file and report on this sight and that is why I'm here right now. I hear by assert that I did not open these accounts, nor have I received any benefits from them therefore I am requesting your immediate assistance in closing these fraudulent account and removing them from my credit file A.S.A.P. I'm also requesting a freeze on my credit file to prevent further fraudulent activities. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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