vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-04 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: IL

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts. As outlined in USC 1681g, I request their removal within 15 days. Relevant documents are attached for your reference.

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 2025-02-04 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:
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 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 2025-02-04 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:
I am a victim of identity theft, and fraudulent accounts have been opened in my name. These accounts have resulted in several negative actions on my credit report, including hard inquiries and fraudulent collections. I discovered these fraudulent activities in XX/XX/XXXX and reported the matter to the Federal Trade Commission ( FTC ), which has confirmed the identity theft through an official report. 

Below is a summary of the fraudulent activity : XXXX XXXX : A fraudulent account was opened in XX/XX/XXXX. It was discovered in XX/XX/XXXX. The amount defrauded is {$200.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$6300.00}. 
XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$2100.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$420.00}. 
XXXX XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$280.00}. 
These accounts were opened without my knowledge or consent. I took immediate action by contacting the FTC, which generated an identity theft report under case number XXXX. 

As a result of these fraudulent accounts, my credit report shows numerous fraudulent inquiries and collections that were not initiated by me. I have taken steps to report this identity theft to the FTC, and I am requesting that these fraudulent accounts be removed from my credit report.

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 2025-02-04 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 a victim of identity theft, and fraudulent accounts have been opened in my name. These accounts have resulted in several negative actions on my credit report, including hard inquiries and fraudulent collections. I discovered these fraudulent activities in XX/XX/XXXX and reported the matter to the Federal Trade Commission ( FTC ), which has confirmed the identity theft through an official report. 

Below is a summary of the fraudulent activity : XXXX XXXX : A fraudulent account was opened in XX/XX/XXXX. It was discovered in XX/XX/XXXX. The amount defrauded is {$200.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$6300.00}. 
XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$2100.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$420.00}. 
XXXX XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$280.00}. 
These accounts were opened without my knowledge or consent. I took immediate action by contacting the FTC, which generated an identity theft report under case number XXXX. 

As a result of these fraudulent accounts, my credit report shows numerous fraudulent inquiries and collections that were not initiated by me. I have taken steps to report this identity theft to the FTC, and I am requesting that these fraudulent accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a Victim of XXXX XXXX / identity theft please block and remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX sold this loan and closed account, the second lender sold it to a third. At this point the debt is no longer being collected. The original lender keeps adding and lowering my credit score malicously when they are no longer the owners of the debt and have not owned it in 3 years. XX/XX/year> they reported inaccurate information that had sat there for 3 plus years with no change. They added information showing they no longer own the debt and added delinquencies and late payments to further lower my score. This is illegal and a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX sold this loan and closed account, the second lender sold it to a third. At this point the debt is no longer being collected. The original lender keeps adding and lowering my credit score malicously when they are no longer the owners of the debt and have not owned it in 3 years. XX/XX/24 they reported inaccurate information that had sat there for 3 plus years with no change. They added information showing they no longer own the debt and added delinquencies and late payments to further lower my score. This is illegal and a violation of the fair credit reporting act.

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 2025-02-04 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In XXXX ( around XXXX ) of 2024, I was interested in a truck XXXX 's XXXX of XXXX XXXX had on their lot. I was speaking with a sales rep about it, but they ended up selling it before I even had a chance to look at it. Now, I see hard credit inquiries from XXXX XXXX ( XXXX XXXX 2024 ), TD Auto Finance ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/year> ) on my credit history. I want these removed as I NEVER gave any permission ( tacit or otherwise ) to do a ( hard of soft ) credit inquiry from this dealership. I have emailed the General Manager and called and left voicemails and can not even get him to answer me or call back for them to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-04 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
I've been trying to get approved for an IDR plan since XX/XX/2024. Mohela tells me over the phone that I'll be approved for a processing forbearance and then the website still shows payments due. It also says over the phone that I have payments due when I've already been told I'll be put on a forbearance. They refuse to help me over the messaging system, telling me that they are in the process of putting me on a forbearance which never happens. Trying to get a hold of them over the phone is almost impossible. They have no agents and make you wait all day for a callback at a random time. I'm working full time and can't sit and wait for a phone call. I need to be put on a permanent processing forbearance until my IDR application is approved and I shouldn't have to keep calling and messaging them daily to ask for this. They are giving me inaccurate information and completely mismanaging my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is a new complaint with new not the same complaint twice There are some fraudulent charges on the account that the bank is aware of. Some of the excuses that they gave me the last time the reason they dont think theyre fraudulent they said that I paid my bill because theres an annual fee on the card, so of course the annual fee belongs to me. I dont understand how that would make you think that the fraudulent charges weren't fraudulent. I knew I owed money on the card paying your fee but the {$10000.00} in other charges have nothing to do with me. You said that I called from my phone over XXXX times you said well I have the phone bill that shows all the calls that I made or received from this phone that proves that I did not call you like you said I did. I know you're keeping your investigation method secret so be it whatever if you don't wan na tell me how you came up to this conclusion then don't tell me, but you can't just make it up and with all due respect some of the stuff you're saying it's just flat out lies may not have my phone bill. You can see that I did not call you over and over again, I don't know what you're talking about and paying part of my bill. How does that lead you to the conclusion that the transactions belong to me?

Company response to consumer: Closed with explanation