vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
Incorrect information reporting on my consumer 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX Reported Balance ( as of XX/XX/XXXX ) : {$17000.00} Highest Balance : {$41000.00} Account Opened Date : XX/XX/XXXX Loan Term : XXXX  months ( XXXX  years ) Payment History Reported as : Only 7 % of payments on time Creditor : Bank of America Reported Balance ( as of XX/XX/XXXX ) : {$16000.00} Highest Balance : {$34000.00} Account Opened Date : XX/XX/XXXX Loan Term : XXXX  months ( XXXX years ) Payment History Reported as : Only 2 % of payments on time A police report has been filed multiple times regarding this accounts. However, the company continues to claim that they can not provide any proof or documentation. Instead, they repeatedly state that the accounts is accurate.

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 2025-03-10 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:
I discovered that several closed accounts are being inaccurately reported on my credit report with Experian. These accounts contain inconsistencies, such as incorrect dates, balances, or statuses, which do not align with my records. Under the Fair Credit Reporting Act ( FCRA ) 1681i and XXXX XXXX compliance guidelines, all reported information must be accurate, complete, and verifiable. I submitted a formal dispute requesting the removal of these accounts due to these inaccuracies. However, Experian has yet to properly correct or remove these items, which is negatively impacting my credit profile.

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 2025-03-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. The fraudulent account on my credit report XXXX XXXX XXXX. This is not my account and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AR

Complaint narrative:
I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. The fraudulent account on my credit report XXXX XXXX XXXX. This is not my account and 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 2025-03-10 00:00:00
Product: Credit card — Store credit 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: MN

Complaint narrative:
The Last Time I used my Capital One credit card was XX/XX/XXXX. I had run into health issues and was unable to make the payments early XXXX. 
The Capital one Bank has sold this debt as of recent and it is time barred and showing on my credit report and the company they sold it to is harrasing me to no end. This is after the company never provided proof of debt. The only other thing it may be is from a bankruptcy I had a XXXX  XXXX in XXXX. Either way both are time barred and no longer should be on my credit report. This other company keeps taking it down and putting it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
Greeting, Around XX/XX/XXXX We requested for a mortgage payment with XXXX XXXX mortgage, the company currently holding our Mortgage, to put XX/XX/XXXX and XX/XX/XXXX payment at on the end of our loan. We ask this because we had a medical emergency. They agreed and told us how long it would take, and started the process. after they approved to put a payments at the end they came up with a payment plan, in which then our payment would be {$1500.00} per month for XXXX months. Starting XX/XX/XXXX We started our new payment plan. Then on XX/XX/XXXX, XXXX XXXX loan company contacted us saying our mortgage was being reported as late and did we need help. I responded and told them we are not late and I will get with XXXX XXXX. I called them the same day and they assured me we were not late and not reported as so. 
We got another email from XXXX that stated the same thing we bein reported as late. When I called back I got another associate and she stated that as long as we were on the program we would be reported as late. why didn't they tell us that before offering that program we would have never accepted it. I told them to remove us from the program, and remove the late from our credit report, because technically we have not been nor or we late on any payments. XXXX XXXX Mortgage has done a great injustice to me and my family by putting us on a destructive program that was never meant to help us, but to put us in a debt so deep that it would be hard to climb out of, and destroy our name and Credit Rating! I have lost clients and business deals because we are being reported late on our mortgage. It is a very stressful situation and we want it removed from our credit file as not to cause anymore damage. We believe XXXX home is a deceitful company and prey on elderly Vulnerable people. We did reach out to the Chief finance XXXX XXXX XXXX but have had no response as of this day.Please help, XXXX write this horrible wrong Thank you in advance XXXX and 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 2025-03-10 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: TX

Complaint narrative:
I would appreciate receiving an official letter from your office confirming the cancellation of the debt. 

If this charge-off is found to be inaccurate, I expect it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I would appreciate receiving an official letter from your office confirming the cancellation of the debt. 

If this charge-off is found to be inaccurate, I expect it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX  XXXX 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am XXXX XXXX, my husband XXXX XXXX and I received a balance transfer offer from our XXXX XXXX XXXX card which we accepted and were approved for. We intended to use those funds to pay off our XXXX XXXX  XXXX XXXX ( under Barclays ). On XX/XX/XXXX an electronic transaction was done from XXXX to XXXX ; for {$4000.00} USD. On or about XX/XX/XXXX we checked our XXXX statement which still did not reflect the {$4000.00} credit. We contacted XXXX by phone, and were provided a case number to track XXXX 's investigation on their end. We called XXXX back on XX/XX/XXXX and they had NO RECORD of our issue or case with them nor was the {$4000.00} dollar credit applied to the XXXX account. We provided XXXX the XXXX confirmation number, another were told another XXXX investigation was supposedly started ( Case XXXX ). About the same time we received a letter confirmation from XXXX that the transaction had gone through and that XXXX had deposited it. On XX/XX/XXXX we contracted XXXX yet again : We still do not see a {$4000.00} dollar credit to our account. We did see that XXXX has ( as expected ) added the {$4000.00} to our XXXX balance as this was a balance transfer. Our last call to XXXX on XX/XX/XXXX disclosed they had no information to share with us, and we were informed variously by the call center people at XXXX that their investigation would take one week, two weeks, one billing cycle, two billing cycles. The inconsistency in the response just adds to our complete lack of confidence and frankly the feeling that we are being deceived by XXXX. We have notified XXXX of this issue who is also supposed looking into the matter and XXXX has stated they will work with us to get this resolved- but we have been waiting for resolution since XX/XX/XXXX and its been long enough in our view.

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 2025-03-10 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: FL

Complaint narrative:
Re : Dispute of Reinserted Item on Credit Report Acct # XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XX/XX/2025, please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report on XX/XX/2025 This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it. 
FCRA Section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it.

FCRA Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days. 
The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. 
If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. 
Sincerely, 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 2025-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Dispute of Reinserted Item on Credit Report Acct # XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XX/XX/year>, please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report on XX/XX/year> This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it. FCRA Section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it. FCRA Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days. The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: OH

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 XXXX 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