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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.

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: OK

Complaint narrative:
This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I check my report frequently, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a system error, but the inaccuracies remained. Therefore, I request that my submitted documents be thoroughly examined so I no longer have to worry about 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 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no clue how they appeared. I check my report regularly, yet these discrepancies suddenly showed up. I even tried refreshing my browser, hoping it was just a minor glitch, but the errors persisted. Because of this, I ask that the documents I provided be carefully reviewed so I can have peace of mind.

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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Been consistently making payments to this credit card company called XXXX  XXXX who admitted on call which I have a recording of that they are an offshore company in the XXXX, ive been consistently making them payments that are XXXX  the amount of the minimum payment on most months and my balance is still completely maxed out. It hasnt gone down a dime. Its still at {$1500.00} and in the past year Ive made about {$1500.00} worth of payment to them and the amount hasnt gone down at all. Theyre just scamming me and then when I requested information from them generally related to the company all they told me was it was an offshore company in the XXXX  and they did not give me any other information and I am not paying them a dime anymore and I should not have it affect my credit. theyre scamming American people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute a tradeline on my credit report that is not being reported with the maximum possible accuracy. The information associated with this account is incomplete or incorrect, and it is in direct violation of credit reporting standards.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the XXXX XXXX entry is inaccurate, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the XXXX XXXX entry is inaccurate, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. I notice collections accounts specifically, whom I did not have a contract or agreement with. If I owe the original creditors, that is one thing. I would like a validation of debt, because if not I will be suing each collections account and company listed. Please remove these from my credit reports immediately and permanently!!!

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: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had paid this account off back in XXXXXXXX XXXX XXXX the amount owed was over XXXX. Later that year in XXXX they had contacted me saying they owed use over XXXX. I had called the company numerous times to make sure this was legitimate. Being told yes they deposited the money. Then come XX/XX/year> they claim that we owe them over XXXX XXXX. I have reported this to be fraudulent as it is and every time I had called to get it taken care of and they say its their fault but still our responsibility to pay this back. Now Im getting harassed by being called everyday 3 plus times in a row and called on weekends and before XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is inaccurately reporting late payments on my XXXX XXXXXXXX XXXX account ( Account # XXXX ), even though the account status is listed as Paid as Agreed. This is a clear violation of 15 USC 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. Despite this legal obligation, TransUnion has failed to correct this error. Both XXXX and XXXX are reporting this account correctly, yet TransUnion continues to misrepresent my payment history. Why is TransUnion the only bureau making this mistake? This raises concerns about their verification process and whether they are properly reviewing data before adding it to consumer reports. This account does not have any late paymentspayments were made on time. However, TransUnion has reported late payments for months that do not match the records from the other credit bureaus. This needs to be corrected immediately. Under 15 USC 1681i, I am disputing these errors and demanding that TransUnion remove the inaccurate late payments and update my credit file. I expect written confirmation once this correction is made. If TransUnion does not resolve this issue, I will take further action to enforce my rights under the law.

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: 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: FL

Complaint narrative:
On XX/XX/year> I looked at my credit report again, and I noticed some inaccuracies, I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts account number XXXX for Florida XXXX XXXX XXXX CHARGED OFF ACCOUNT DEPOSIT RELATED and account number XXXX for XXXX XXXX Charged off account and I sent a Certified letter here is my tracking number XXXX on XX/XX/year> they sent me their investigation and said those accounts are verified and accurate. and according to 15 USC 1681i ( 5 ) see it states after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, An item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.

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 — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : * XXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures * 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors * 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : * A copy of my government-issued ID * My EWS  report * A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution. 
Failure to comply may result in legal action. Thank you for your prompt attention to this matter.

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: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. Total net revenue XXXX XXXX XXXX. Total deposits was XXXX XXXX XXXX XXXX. Loans held for investment is XXXX XXXX XXXX XXXX. There is a XXXX XXXX XXXX XXXX allowance for credit losses. Total cash and Cash equivalent is XXXX XXXX XXXX XXXX. There is a XXXX account for XXXX XXXX XXXX XXXX. 4TH QTR 2024 I applied for a Student Card ( Savor ). It said my income was too low. Capital One products ( cards, bank accounts ) are frequently recommended by other websites or banking tools for customers who credit is not superior. 
securitized debt obligation XXXX XXXX XXXX XXXX. 
Liquidity Fourth Quarter 2024 Highlights Average quarterly Liquidity Coverage Ratio of 155 % Occurred XXXX. XXXX got the email. I believe applied on same day or XXXX It didn't ask the amount of credit I wanted. I figured since it was a XXXX  ( and I am admitted to a college but not enrolled in classes ) Card that the credit line would be low enough but sufficient for my needs. 
Copied for AI Generated Response The average credit limit for the Capital One Savor Cash Rewards Credit Card is {$8500.00}, with {$1000.00} being the most common. However, credit card issuers may offer higher credit limits to applicants with excellent credit, high income, and low credit utilization.

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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a auto loan account account opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ), This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Further this account are now considered in litigation. 

I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: GA

Complaint narrative:
Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
I got a new phone and switched service from XXXX to XXXX. I was trying to access my USAA account, but was locked out XXXX XX/XX/year> I tried to access account, but the service from the application did not help. I called XXXX XX/XX/year> and they told me to access USAA website and submit a request to change information. The site does not provide an option to contact via chat or email. I am XXXX XXXX who is stationed overseas, and I am told to call during business hours. Which means they want me to call during the time that I should be asleep.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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