vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
Please correct my credit report and remove all negative information from my report due to data breach. I have supplied necessary information and I want it done based on FCRA laws. 
It should not take more then XXXX days. I expect immediate actions and corrections. 
I need all negative information again, 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 explanation
Consumer complaint received 2025-03-09 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The inquiry was not authorized : The General In Company Date of inquiry is XX/XX/year>XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax has shown an error code " BLNK '' when I sign in for the past year. I have tried repeatedly to call the company and correct the issue but I am treated rudely and have to wait for a very long time before I am answered. The last time I called I was not given sufficient time to gather the needed documents to verify my identity and rushed off the phone. 

The company knows there is an error with my report, I should not have to call a rude overseas callcenter and hand out my ssn only to be unable to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one automatic fraud detection system closed my accounts because they thought my legitimate purchases that were trying to go through on my card were illegitimate. I am traveling through XXXX and I have no access to my credit cards for back up purposes. My cards were illegitimately closed. One card that was considered to have the illegitimate purchase that caused both of my cards to be closed even though I was in good standing. My complaint pertains to the cut off access I was given with no warning and the potential hurt it will have on my credit reports. I cant request a new credit card with capital one because of the closure of my accounts from the system. I will hurt my credit score even more to apply elsewhere and open another credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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.
State: GA

Complaint narrative:
Student Loans from DEPTEDXXXX {$1900.00} and DEPTEDXXXX {$1800.00} has been discharged and ive attached documents explaining also Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are accounts i never applied for and was opened fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
This company is reporting fraudulent information on my credit report, I have requested validation and never received. PLEASE DELETE ALL ACCOUNT FROM MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving Equifax Data Breach ( Case No. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year> Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of the law. T

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any 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 consumer reporting agency shall ( i ) 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 ( ii ) 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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.

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 2025-03-09 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: DISCOVER BANK
State: NH

Complaint narrative:
XX/XX/XXXX Received XXXX email stating I owed money and to call ph # XXXX right away which I did. Told that I owed {$6000.00} to their company, XXXX, and that I would go to prison if I failed to make the payment within 24 hrs. They wanted {$6000.00} in cash which I didnt have so I was terrorized into obtaining gift cards. I was only able to obtain gift cards for XXXX, XXXX, XXXX for a total of {$1700.00} which I charged to Discover credit card. They then told me to scratch off the card number then text a copy of front/back of each card which I did to # XXXX. 
They then told me that we were done for the day and they would be in touch again tomorrow until XXXX received all of the {$6000.00}. 

XX/XX/XXXX : Contacted Discover to dispute charges and cancel credit card. At time of call, only {$500.00} XXXX gift card showed pending transaction. No record of the remaining {$1200.00} in gift cards. 
XX/XX/XXXX : {$1200.00} first noted on Discover card for the remaining gift cards. Contacted Discover to dispute these charges and advised to contact Trade Commission and/or Federal Communications Commission which I accessed online. Was then directed to Consumer Financial Protection Bureau which brings me to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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.
State: TX

Complaint narrative:
I BEEN AFFECTED BY THE DATA BREACH AND I HAVE INQUIRIES THAT WAS UNAUTHORIZED BY ME 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing XXXX XXXX. XXXX and XXXX XXXX. XXXX, I am entitled to request and receive specific information related to this debt. 

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices. 

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : XXXX. The date of first delinquency. 
XXXX. The date of the last payment. 
XXXX. The date of charge-off. 
XXXX. The chain of assignment for this debt. 

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. 

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Fraudulent activity on my personal checking account resulting in closure of account and multiple stopped payment one from Synchrony bank of payment exceeding XXXX XXXX XXXX XXXX XXXX Synchrony didnt reach out prior to closing all my credit cards and placing a hit on my credit with the reason of you made a dishonored payment. I would like this removed from credit. I received letter in mail from all the retailers from Synchrony saying my accounts were closed in attempt to settle with Synchrony I paid all my debt with them but was still hit with this on 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 explanation
Consumer complaint received 2025-03-09 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: Happy Money, Inc.
State: OK

Complaint narrative:
Loan paid off XXXX XXXX XXXX XXXX  received payoff letter Disputed with XXXX XXXX XXXX  still not showing paid off XX/XX/XXXX information sent to XXXX still showed a balance. Dispute denied Company reporting incorrect information Attached payoff letter and dispute results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX ExperianXXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2025-03-09 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: AL

Complaint narrative:
Account Information Credit Reporting Agencies : Equifax, Transunion & Experian Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-09 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: Experian Information Solutions 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 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 2025-03-09 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: TX

Complaint narrative:
I wrote trans union requesting they remove 6 various names on my report that I have never gone and I asked them to remove 14 addresses They removed both however put it all right back on. I wrote another dispute letter asking them to remove XXXX XXXX XXXXXXXX XXXX of being late I have remained in college this entire time and should have XXXX late payments They told me they verified and kept the late payments from XXXX XXXX XXXX on my report. I am the victim of identity theft and have 2 accounts, one in collection that I have no knowledge of and it remains on my report with no correspondence with me. Please help me rectify this situation I have been denied my house and other loans that I would have gotten if they were not publishing lies.

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I been with capital one for almost 1 years. I paid my credit card on time never missed a payment. Back in XXXX, I decided to pay the minimum amount of the credit card balance. Everything went through fine. On XX/XX/XXXX I decided to pay off the entire balance, but for some reason the bank capital one rejected it even though there was money in the bank account to cover the entire thing. Three days later, I received a notice from capital one Credit Card that my Account was canceled. Which by the term and condition of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Being told from XXXX and XXXX also XXXX that they cant remove these negative reports from from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Subject : Request for Deletion of Inaccurate Account FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) I am writing to formally request the deletion of an account from my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has already been deleted by XXXX as inaccurate, and under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), this deletion should be reflected across all credit bureaus.

Legal Basis for My Request According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), if an account is found to be inaccurate and deleted by one credit bureau, the furnisher of the information is required to notify the other credit bureaus to which they reported the incorrect data. Since this account was deemed inaccurate and removed from my credit file by XXXX the same deletion should be applied to your records. 
Supporting Documents Enclosed To support my request, I have included : A copy of the deletion confirmation letter from XXXX A copy of my credit report highlighting the inaccurate account Requested Action I request that you : 1. Delete this account from my credit report immediately, in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( D ).

2. Send me a written confirmation once the deletion is processed.

3. Provide me with an updated copy of my credit report reflecting this correction.

Deadline for Response Under the FCRA, you are required to investigate and respond within 30 days. Failure to remove this account may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for noncompliance.

Please confirm the deletion in writing and send me an updated copy of my credit report. If you require any further details, you may contact me at the information provided above. 
Sincerely,

Company response to consumer: Closed with explanation