vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Via Dealer, Rocket Mortg, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-28 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: GA

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute an inaccurate late payment Experian is reporting on my credit file by XXXX XXXX XXXX XXXX for XX/XX/year>, Acct : XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, and this late payment does not meet that standard. 
Specifically, the report inaccurately reflects that I was late on my Navy Federal account in XX/XX/year>. However, I have verified this information with both XXXX and XXXX, which accurately report this account as " Current/Never Late '' for the same time period. I have attached a screenshot of my XXXX credit report as evidence, clearly showing that I was never late in XX/XX/year>. 
It is not possible for me to be reported as both late and current at the same time. This conflicting information highlights a clear inaccuracy in your records. Furthermore, this false late payment entry is negatively impacting my credit score, and I am concerned about the effect it could have on my ability to secure a new employment opportunity.

In accordance with the FCRA, I demand that Experian conduct a thorough investigation of this disputed information, immediately delete the inaccurate late payment, and update my account status to " Paid as Agreed. '' I further request that you provide me with an updated copy of my credit report reflecting this correction. 
Please note that I have attached the following documents to support my claim : A screenshot of my XXXX credit report showing " Current/Never Late '' for XX/XX/year>. 
Documentation demonstrating my consistent payment history with Navy Federal Credit Union.

This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
Please confirm in writing when this matter has been resolved and provide an updated copy of my credit report for my records. Should you require any further information from me to complete your investigation, you may contact me directly.

Thank you for your prompt attention to this matter. I look forward to your immediate resolution. 
Sincerely, Attachments : Screenshot of XXXX Credit Report Supporting Documentation ( if applicable )

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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was notified that an order I had placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, {$870.00} with order # XXXX ) ) would be arriving to my house from XXXX, Arizona via XXXX with tracking number XXXX. To my surprise the order was never delivered. When I tracked the order, it reflected that there was an " Address Correction '' issue, and the order was being returned to the sender. I called XXXX XXXX customer service and spoke to an agent named XXXX who told me that the order would be reshipped to me for a {$66.00} charge. When I protested, she stated that was my only option. I refused that option and requested a refund. She stated she couldn't refund the order until it was received by their warehouse. 
On XX/XX/year>, online tracking with the carrier stated the order was received to their warehouse and signed by XXXX. I again called XXXX XXXX and was told that they couldn't refund me to my original payment ( XXXX XXXX credit card ) type but could issue me a gift card. I asked to speak to a supervisor and was connected to XXXX. She also confirmed that my refund requested in the amount of {$870.00} could not be applied back to my XXXX XXXX credit card as they could only issue a gift card. 
On XX/XX/year>, I filed a dispute with the bank that issues the XXXX XXXX credit card which is Capital One. I was issued case # XXXX. I was informed that the amount of {$870.00} would be credited back to my account while the dispute was investigated. 
On XX/XX/year>, I received an email from Capital One informing me that my dispute had been denied as XXXX XXXX stated that mattress orders can not be returned as this is clearly on their website. I called Capital One, spoke with XXXX and advised him that I didn't return the mattress as it wasn't ever delivered to me. I let him know that XXXX XXXX would charge me {$66.00} for a new shipping charge and I refused this option. I further advised him that they had the mattress and while they would make an exception to their no return policy they could only issue a refund in the form of a gift card. He refiled my dispute and it was denied again on XX/XX/year>. 
Since that time, I have been paying for merchandise and finance charges for an order that I never received nor have been refunded for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was offered for several months to ENROLL in their Balance+ {$200.00} Overdraft Line of Credit. After much consideration and couple months later i agreed to accept this JUST IN CASE. I accepted XXXX offer and QUICKLY the Balance+ XXXX XXXX SHOWING I HAD {$200.00} LINE OF CREDIT AVAILABLE TO ME AT TOP OF MY 1st page screen on my Discover Bank ET AL Checking & Savings Accounts . I felt like all my hardwork paying on time my bills was paying off. Then when i received NOTIFICATION that i had been UNENROLLED from Balance + due to NOT RECEIVING MY MONTHLY AUTO DEPOSIT from the government- WHICH I RECEIVED MY MONTHLY DEPOSIT EARLY, which means deposit was made at end of prior month- i have always received my monthly government deposit!! Therefore the Discover Bank ET AL NOTIFICATION WAS NOT TRUTHFUL! When i sent a secure message to Discover Bank ET AL inquiring about same - their customer service representative who responded said we are aware tgat MANY CUSTOMERS HAVE RECEIVED SAME NOTICE AND OUT IT DEPARTMENT IS WORKI G TO CORRECT THIS FOR ALL WHO RECEIVE THEIR SSA PAYMENTS EARLY. Mine HAS BEVER EVER BEEN ADDED BACK TO MY ACCOUNTS, & DISCOVER BANK ET AL HAS NEVER ISSUED ME ANY MORE NOTIFICATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-28 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX my fico scored decreased by XXXX points because of XXXX XXXX XXXX XXXX  XXXX and power that I self reported they stated that I owed XXXX dollars which was incorrect XX/XX/XXXX I made a with Experian dispute and my points decreased by XXXX points and the account disappeared off my Experian account Experian provided a number when I disputed this but when I called it said out of service Here is the number XXXX I believe Experian has been hacked because they recently had a data breach Im dealing with identity theft

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 2025-01-27 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: MI

Complaint narrative:
I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access. 

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information. 

I apologize for any inconvenience this XXXX cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access. 

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information. 

I apologize for any inconvenience this may cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-28 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-28 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I am not familiar with them. I have asked the CRAs for debt validation ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC report complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, and a copy of the XXXX report showing my information has been exposed in a national database and a validation of debt letter.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-28 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: NJ

Complaint narrative:
I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( XXXX, TransUnion, and XXXX ) under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 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: NJ

Complaint narrative:
I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( XXXX, XXXX, and Equifax ) under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation