vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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 am writing to have the following information removed from my credit file, the items that Ineed deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, 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 2025-01-10 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-10 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: MI

Complaint narrative:
These account were comprised some are very old and is hindering me from future endeavors. 
XXXX Bank closed XX/XX/XXXX not sure why this account was closed. Some of the info on this account is not correct. 
XXXX Bank XX/XX/XXXX this checking account was comprised by someone. 
XXXX bank XX/XX/XXXX this account was comprised by identity theft. 
XXXX XXXX opened XX/XX/XXXX this account was comprised and I informed them several times for this matter. And also a lot of inquiries XXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX bank XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 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: CA

Complaint narrative:
Those XXXX accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. CAPITAL ONE- Closed XXXX. XXXX BANK - XXXX XXXX. XXXX XXXX XXXX - Closed Balance {$4500.00} Updated on XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am writing to express my extreme frustration with the ongoing lack of resolution regarding my request for a written confirmation of my repayment plan. I have made several attempts over the past months to speak with Mohela to get clarity on this matter, but despite countless hours spent and numerous attempts I am still without the required documentation. 

After finally being able to speak with a XXXX on XX/XX/XXXX, we discussed my repayment plan, and I explicitly requested a memo confirming my repayment amount under the agreed plan. However, due to system issues, the XXXX had to manually calculate my repayment, which resulted in a completely different figure than the one provided by XXXX online simulator. I was informed that I would receive this document within XXXX to XXXX business days, and I have yet to receive any correspondence or documentation. I know now, with experience that they will never reach out to me as I have previously attempted to receive this document via email which they never replied to. 

This delay has directly impacted my ability to secure housing, as the document is a critical requirement for my housing approval process. Because of this, I have been denied housing for XXXX, XXXX and XXXX. I have been trying to resolve this issue since XXXX, even submitting my XXXX application multiple times. Each time, I was told it was under review for months, which has added even more frustration to an already difficult situation. Noting, my lease ends in XX/XX/XXXX and I have no idea what to do. 

This ongoing lack of communication and failure to deliver on promised timelines is unacceptable. I need this documentation as a matter of urgency to move forward with my housing application. 

I kindly request immediate intervention so I XXXX be contacted ASAP I can expect to receive the written documentation of my repayment plan. If this matter is not resolved promptly, I will have no choice but to escalate my concerns further. I have attempted to seek help from XXXX but that attempt failed and was redirected to Mohela ( my loan servicer ). 
Thank you for your attention to this matter. I expect a swift and satisfactory resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, has violated my rights. 



I have never been late on these accounts You stated the account information was verified. I then specifically requested additional information about the XXXX of XXXX used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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 2025-01-10 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: NY

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entry on my credit file. Despite multiple attempts to request the deletion of this negative entry, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mi XXXX In accondance with the Fair Credt Reporting act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

Accounts name : Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( XXXX ) 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 consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 








Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED * 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, from my credit report, because of multiple violations 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mi XXXX In accondance with the Fair Credt Reporting act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

Accounts name : Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX, after any reinvestigation under paragraph ( XXXX ) 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 consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 








Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED * 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, from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
sent a referral bonus to my sister and brother in-law he signed up for and received a credit card from capital one he was suppose to receive {$300.00} I was suppose to receive {$100.00} I have called several times they refuse to send anything confirming I will be getting it or record of it brother in law was also denied and was told he would be given {$200.00} not the {$300.00} to settle the matter meanwhile they are telling me I get nothing can not do nothing till XXXX weeks and no proof of anything to show I even get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I request that [ EXPERIAN ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

XXXX XXXX : Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Dear CFPB, I am submitting MY second formal dispute regarding an alleged debt reported by Caine & Weiner Company on my credit report. I have already requested them to verify their ownership of the debt and they responded that they would reach out to a different company for verification detailsand mail me the XXXX Caine & Weiner is the original creditor on my report. If Caine & Weiner can not provide proper validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), they are legally required to REMOVE this from my credit report. According to their response to my first dispute submitted through the CFPB, If they do not remove the collection they are in direct violation of Con-spiring according to 18 USC 894 . 

The details of the account in question are as follows : XXXX XXXX Name : Caine & Weiner Company Account XXXX : N/A Amount in Dispute : {$100.00} Request for Validation : I am requesting that Caine and Weiner provide the following information to validate their claim of ownership and the accuracy of this debt : XXXX. A copy of the original signed agreement or contract that establishes my obligation to pay this debt. XXXX. Proof of their legal ownership of the debt, including the full chain of title and an assignment contract demonstrating their authority to collect on this debt. XXXX. A detailed accounting of the debt, including the original balance, any fees, interest, and other charges added. XXXX. Documentation verifying that the debt is within the statute of limitations. Without this documentation, I believe this account has been wrongfully reported to the credit bureaus and request its IMMEDIATE REMOVAL if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Deleted inaccurate accounts reappeared back on my credit report after deletion please remove this inaccurate information asap. 



I am writing to formally dispute the reinsertion of an item that was previously deleted from my credit report. Upon reviewing my recent credit report, I noticed that a negative entry, which was removed from my credit history, has been reinserted. 

As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), if a previously deleted item is reinserted into a consumers credit report, the XXXX XXXX XXXX is required to notify the consumer in writing within XXXX business days of such reinsertion. I have not received any notification from your agency regarding this reinsertion, and I believe this is a violation of the FCRA. 

Account Details : Full Name : XXXX XXXX Date of Birth : XXXX/XXXXXXXX  ] Social Security Number : [ XXXX ] Credit Report Reference Number : Reinserted Item Information : XXXX. Creditor Name : XXXX Bank Account Number : XXXX Requested Action : XXXX. Please immediately remove the reinserted item from my credit report. 
XXXX. Provide a copy of the notification required under FCRA Section 605 ( b ), confirming that I was informed of this reinsertion. 
XXXX. Provide me with a corrected version of my credit report showing that the item has been removed.

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 2025-01-10 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: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
After noticing several errors on my credit report I disputed the collections listed and the hard inquiry that I had no ownership and/or knowledge of with the credit Bureau TRANSUNION XXXX I disputed these items several times and each time the company doesn't provide proof of ownership or verification of listed collection accounts, accounts and hard inquiries. The company did not properly verify these accounts before delivering a decision on my dispute.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I want the collection agency to prove to me I owe them this money

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 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
Not only is this debt potentially not even mine.I have filed a dispute for this debtit is ON MY CREDIT REPORT and it says XXXX XXXX ( XXXX ) is whom is owed. I DO NOT KNOW WHAT OR WHO THIS IS. I get phone calls on early mornings during work and late nights and weekends.for again a debt I have never heard of and it appears XXXX  and has impacted my XXXX XXXX to the tune of 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 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This debt is not mine. I have filed police report for fraud and every complaint was submitted to XXXX. Every year, XXXX will put this in my credit report without valid proof of debt. Capio collection will call me 3-4 times every day with different generated phone numbers. Im so scared and its embarrassing. I have never ever been to this hospital. I dont know why I have to be bullied every year for what I do not know anything about. I reached out to XXXX to provide proof of debt and nothing was ever done.

Company response to consumer: Closed with non-monetary relief