vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SELF EMPLOYEE XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} Chargeoff XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late/Open XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Late/Open XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$80.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9300.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SELF EMPLOYEE XXXX XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} Chargeoff XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late/Open XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Late/Open XXXX  XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$80.00} Late/Open XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} Late/Open XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Late/Open XXXX  XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$9300.00} Late/Open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MS

Complaint narrative:
On * * [ XXXX ] * *, I noticed several inaccuracies and unauthorized entries on my credit report. These include incorrect personal information ( such as old or unknown addresses and name variations ), unauthorized hard inquiries, and accounts that I do not recognize or that are reporting incorrect balances and payment history. 

I contacted the credit bureaus and the relevant financial institutions to initiate a dispute. I provided supporting documentation and requested a full investigation under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the incorrect items remain on my report, and I have not received a proper resolution or explanation within the required 30-day timeframe.

Additionally, I have not been notified of any updates or outcomes regarding the dispute status, which has negatively impacted my credit score and ability to obtain credit. 

* * Actions taken : * * - Submitted dispute letters and documentation to all three credit bureaus ( Equifax, TransUnion, Experian ) - Requested removal of inaccurate personal information - Requested deletion of unauthorized inquiries and unverifiable accounts- Contacted creditors directly for clarification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 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 any 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} - Collection XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} - Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$57000.00} - Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}- Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: CA

Complaint narrative:
I have a Home Equity Line of Credit ( HELOC ) through Fourleaf Federal Credit Union ( formerly Bethpage ). Unfortunately, their current system does not allow customers to make payments exceeding {$10000.00} per month. Additionally, their online and mobile banking platforms do not support transferring funds from an external account into a savings account, which could then be applied to the HELOC. 
As someone attempting to pay off a substantial portion of my balance, this process has proven to be unnecessarily complicated and restrictive. On XX/XX/year>, I intended to pay {$22000.00} toward my HELOC. However, due to the {$10000.00} monthly payment cap, I was limited to only paying {$10000.00}. The remaining amount is now delayed until the following month, causing me to accrue unnecessary daily interest despite having the funds available to settle the balance in full on time. 
Ive spent significant time trying to resolve this issue, including hours on the phone with a supervisor who assured me that the process would work. Despite their confidence, none of their solutions have been successful. I have even provided video evidence demonstrating the failures of the process they described. 
As a secondary attempt, I tried linking my external account directly to Fourleafs savings account to transfer the funds, even though this should not have been required since I already have XXXX external accounts linked. Unfortunately, this method also failed as of XX/XX/year>. Following another 30-minute call with a supervisor on the same date, there was still no resolution.

Every suggested solution has failed, and my own attempts to navigate their system have been equally unsuccessful. Its disheartening to face such barriers when I am simply trying to pay off my loan earlier than required. This situation has turned into an unnecessarily tedious and frustrating ordeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Capital One and the major credit bureaus for their ongoing participation in what I believe to be a pattern of illegal, deceptive, and fraudulent credit reporting practices.

Capital One has been intentionally and exclusively reporting negative information about my account to the credit bureaus, while withholding all positive data, including on-time payments and responsible account management. This selective and biased reporting is clearly intended to harm my credit score and does not reflect a fair or accurate credit history. 

Even more troubling, long before I received a secured credit card from Capital One, someone affiliated with the company had been accessing my credit reports for years without my consent. Additionally, a fraudulent savings account was opened in my name through Capital Oneagain, without my knowledge or authorization.

The credit bureaus have also failed in their responsibility to ensure accurate and fair reporting. Their continued acceptance of Capital Ones incomplete and biased reportingdespite evidence and complaintsmakes them complicit in this ongoing credit fraud. 

The last Capital One representative I spoke with was XXXX from the Customer Service Escalations Department. Despite this escalation, no resolution has been provided, and the improper reporting continues.

Individuals I suspect may be directly or indirectly involved in the misuse of my personal and financial information include XXXX XXXX, XXXX XXXX, and XXXX XXXX, based on their past behavior and access to similar fraudulent activity. 

If the Consumer Financial Protection Bureau does not take swift and thorough action to investigate this matter and hold Capital One and the credit bureaus accountable, I will move forward with filing a federal lawsuit. I am also prepared to take all legal steps necessary to identify and prosecute those responsible for this fraudulent activity and the repeated violations of my consumer rights. 

This is not a misunderstandingthis is a coordinated and deliberate abuse of the credit reporting system, and I will not rest until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
Company refused to acknowledge any laws referring to 15 USC 1681-I, A, C and be also refuse to acknowledge 15 USC 1692 c, f, b these laws have been disregarded completely and totally ignoring the potential for them to remove derogatory complaints the company refuses to acknowledge or even accept the fact that these laws apply to them showing blatant disregard nearby I hold them accountable under the law for each violation and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
Company refused to acknowledge any laws referring to 15 USC 1681-I, A, C and be also refuse to acknowledge 15 USC 1692 c, f, b these laws have been disregarded completely and totally ignoring the potential for them to remove derogatory complaints the company refuses to acknowledge or even accept the fact that these laws apply to them showing blatant disregard nearby I hold them accountable under the law for each violation and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CO

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DEPT OF EDXXXX has an account opened in a XXXX  's name. Never been to XXXX, so there should not be any accounts open under that name and social. This is clearly either a mistake, or 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DEPT OF EDXXXX has an account opened in a XXXX  's name. Never been to XXXX, so there should not be any accounts open under that name and social. This is clearly either a mistake, or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
DEPT OF EDXXXX has an account opened in a XXXX  's name. Never been to XXXX, so there should not be any accounts open under that name and social. This is clearly either a mistake, or 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 2025-04-19 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: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I have listed in my affidavit/demand to comply be removed immediately within four ( 4 ) business days of receiving this notice. In accordance with CRA 605B.

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