vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I found some paperwork for an XXXX account the XXXX XXXX XXXXXXXX XXXX was the Trustee. I went to Chase Bank since they own it now and they said they couldn't find anything. I would like to know what to do or where to go to get this account. 

Back story, I found old paperwork in a filing draw of my deceased Mother. It was mine and at the time she received it I was out of state in the XXXX. I believe she forgot about it and now that I found it, I want to see what I need to do but the company I worked for was acquired by another and I have nowhere to turn. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting & Demand for Removal To Whom It May Concern, I am writing in response to your recent correspondence stating that you find no errors in your credit reporting and will not update or delete any information. After thoroughly reviewing my credit reports from all three major credit bureausXXXX XXXX XXXX XXXX have found significant discrepancies in the way my account is being reported. Specifically, the reports reflect inconsistent payment histories, including variations in the last payment made and other key account details. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all information you report to credit agencies. Given the inconsistencies I have identified and documented ( see attached supporting evidence ), it is evident that your reporting does not meet these legal requirements. Inaccurate reporting has a direct and negative impact on my credit profile, and I demand that these erroneous entries be immediately removed or corrected to reflect consistent and accurate information across all bureaus. 

Failure to comply with my request will leave me with no choice but to pursue legal action to enforce my rights as a consumer under federal law. I expect a prompt resolution to this matter and a written response confirming the deletion or correction of these inaccuracies within 30 days from the date of this letter. 

Please be advised that I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary. I trust you will take immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. I was a victim of XXXX XXXX XXXXXXXX  XXXX  Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Fair Credit Reporting Act. 
XXXX. 
XXXX XXXX  Account Number : XXXX XXXX. 
XXXX  XXXX BANK Account Number : 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TomoCredit Inc.
State: AZ

Complaint narrative:
TomoCredit, Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Action Regarding Failure to Report Payment History to Credit Bureaus Dear Sir/Madam , I am writing to formally address the issue regarding TomoCredit 's failure to fulfill its contractual obligations as outlined in your Terms of Service. In XX/XX/year>, I enrolled in your credit service, which explicitly stated that past payment history would be reported to the credit bureaus while also paying a higher price for expedited service. 

However, despite repeated attempts to resolve this matter through customer service and filing complaints with relevant authorities ( Arizona Attorney General, California Attorney General, and the Consumer Financial Protection Bureau ), TomoCredit has failed to uphold its promise to report this payment history, which has adversely affected my credit. 

1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The FCRA mandates that companies providing credit services report accurate information to the credit bureaus.

Relevant Section : Section 1681s-2 ( a ) requires that information furnishers must report accurate information to credit bureaus.

2. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) This failure constitutes fraud and misrepresentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), California Business and Professions Code 17200, and the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ). As a result, I am seeking the following remedies : 1. Immediate reporting of my past payment history to the credit bureaus.

2. Compensation for any financial harm incurred due to this failure, totaling XXXX for the two months I applied payments to your company for the service advertised that was not rendered. 

I have also requested arbitration from this business, but no response or contact has been made. 

I request that you address this matter within 14 days of receipt of this letter. Should you fail to resolve this issue within the specified time, I will pursue legal action by filing a claim in small claims court for breach of contract and/or fraud. 

Please consider this letter as a final opportunity to resolve this matter amicably before I initiate legal proceedings. I expect to receive confirmation from you within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I open account back in XXXX  when I initially opened the account I was told for two lines that it would be {$120.00} once I got the account. My phone bill was running like {$300.00} every month. I didnt understand how I explained to them that the service was way too much. I didnt understand how did my bill go from $ XXXX {$300.00} at that point I canceled service I was told my last bill and everything would be in the mail I never received nothing for the last eight years. I have been trying to get this removed off of my credit report. They have been reporting in accurate information. They have been selling my information to other agencies and it has my score down for the last eight years, I have reached out to them several times I have done direct dispute with XXXX XXXX and they keep reporting this almost 9 years old account that is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
IXXXX XXXX XXXX XXXX my identity was stolen. At that time I had a Barclays Jet Blue credit card and 3 other Barclay cards were opened in my name. When I noticed it I reported it to Barclays. They immediately closed all of my accounts. I have spoken to the Barclays fraud department 4 times and was told they are working on it and I would receive a letter in the mail within 10 business days I never received anything from Barclays. Barclays has since reported me to the credit bureaus which has adversely effected my credit score. There is still an outstanding balance of {$1500.00} which is accruing late fees and interest. I don not know what else I can do as Barclays is simply providing me with lip service. I spoke with Barclays today and went through the same drill as I did in my previous calls. I tell them about what happened, have to give them the fraudulent charges, am told they will send me a letter in 10 days. last 4 digits of card is XXXX agent number spoken to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, I received an email from Capital One as a settlement offer for my overdue Kohl 's Card for {$550.00}. 

On XX/XX/year> I paid Capital One {$550.00} on my Capital One Kohls Card to close out my account via Debit over the phone. The process was instant and quick, and the agent assured me that the settlement was accepted and the account had been closed. 

On XX/XX/year>, I received a charge of {$210.00} from Capital One. I then decided to call Capital One and discuss why they charged me again. The agent spent 20 minutes on hold supposedly " Pleading my case '' to someone, and eventually came back to me to say " They refuse to refund you because the account is closed. They said you can dispute this charge with your bank. '' The fact of the matter is, I PAID for my account to be closed already, she pulled up the transaction and everything, in their system my account was paid out. The refusal to refund money that isn't theirs is ridiculous. I have reported the transaction to my bank as fraud, as demanded by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I've been with credit acceptance since XX/XX/XXXX XXXXCredit acceptance is refusing to report my account info. Correctly. I made a {$640.00} payment on XXXX. The XXXX  2025, which brought my account balance down to {$670.00} credit Acceptance is reporting that before I made the payment and after I made that payment That the balance, is still {$1300.00}. They're only reporting to all the credit bureau I made one payment in XXXX of a {$100.00} and they won't report to the credit bureau correctly even when I make fresh disputes All they have to do is verify the information on my account and the balance and they won't do that.They won't even show correct payments that I even made a {$640.00} payment They want me to fill out their dispute form and send them copies of all my credit bureau reports and send it back to them. When all they have to do is verify the info on the account correctly and they're not doing that When you get a fresh dispute all you have to do is send them the updated info on the account and they refuse to do that.

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 monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I information was in a data breach and in return I have thing in my credit that wasnt authorized and need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Supreme Lending
State: GA

Complaint narrative:
Ive received alerts that my social security number and other personal information is on the dark web.. 
Ive in the recent past applied for car loans in which ultimately not purchasing a new vehicle. I am still receiving hits to my credit from my information being checked. No other company was allowed to fun my credit check other than XXXX XXXX XXXX XXXX however I have received letters and hit to my credit due to this Also there was a security breach with information linked actually Im afraid my credit will never reach an amount of over obtained anything due to this mishandling and misusage of my personal information Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive received alerts that my social security number and other personal information is on the dark web.. 
Ive in the recent past applied for car loans in which ultimately not purchasing a new vehicle. I am still receiving hits to my credit from my information being checked. No other company was allowed to fun my credit check other than XXXX and XXXX  XXXX however I have received letters and hit to my credit due to this Also there was a security breach with information linked actually Im afraid my credit will never reach an amount of over obtained anything due to this mishandling and misusage of my personal information Please assist me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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. The accounts are XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback

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 2025-02-13 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: IL

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 explanation