vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Information showed up on my credit report. I had never received notification of the attempted collection. Called the company and they claimed they sent it but refused to provide proof. They had an old address. My current address is easy to find with a XXXX search. They had my phone number and email address and confirmed that they had not used either to contact me. This is an incorrect debt that I have disputed at least 3 times before. They refuse to remove from my credit report. 
I am sending them proof it was paid, however they will not let me know when the negative information will be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: SC

Complaint narrative:
XXXX XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Complete Review of all American Express credit card accounts for SCRA Relief from active duty military service of XXXX XXXX XXXX to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
I was involved in a scam where someone gave me a check, and i gave them cash and then their check bounced. I made full restitution to XXXX XXXX XXXX. Chex systems is saying it is not on their end yet I am still unable to open and account XXXX XXXX XXXX XXXX XXXX is saying Chex system is stating do not open account.

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 2025-02-21 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-02-21 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NM

Complaint narrative:
My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is both misleading and damaging to my financial reputation. This level of inaccuracy is unacceptable, and I demand immediate corrective action. 

For TransUnion, the disputed accounts are XXXX XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX account XXXX, and XXXX XXXX XXXX account XXXX. Despite my diligence in maintaining a responsible financial record, these errors are creating unnecessary and unjustified obstacles for me. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure the accuracy of my credit file. Any outdated, incorrect, or unverifiable records must be corrected or removed without delay. I expect swift action, as any further failure to rectify these errors will only escalate the harm already caused.

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 2025-02-21 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: WV

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received an email from my bank in XXXX of 2024 saying " Congratulations on your new account! '' I never opened a new account. The process began. I learned I was a victim of XXXX XXXX. Someone opened a Capital One card in my name, and I later learned had a savings account in my name that was years old. I was receiving the notifications for their bill to be paid timely to stay in good standing with the credit bureaus. I started with XXXX and had some success. I tried XXXX, and to this day, despite having submitting a police report, I can not contact them on the phone or log into my online account. Whoever stole my identity has their phone number as the 2 step verifier. The other two bureaus- XXXX and XXXX I was able to gain access to my online accounts and begin disputes- some were in my favor, some not. During this weeks long adventure I learned the person bought a car, car insurance, a Kohls store credit card, and was in the process of waiting for application approval on other store cards. As I mentioned, I have had some successes with the two bureaus, none with XXXX. I am down to a zero credit score as a result. Currently the phone numbers, addresses, and employers I have disputed that were never mine, some are still not resolved. I spoke with Capital One fraud department on the phone and even though I told them I never opened an account, therefore I do not nor have I ever created an online account / profile with them - they said they could see 'I ' logged in just a few days prior. They launched an investigation, but I don't yet know the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected 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 non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was informed via emails dated XX/XX/year> and XX/XX/year> of the unlawful sale of my personal and private information from XXXX XXXX XXXX  to Resurgent/LVNV Funding LLC . 

XXXX XXXXXXXX XXXX had no right nor my permission to sale my information to an entity that I have never been associated with. 

This entity is now unlawfully soliciting payment from me due to their unlawful purchase of my information. 

Resurgent/LVNV Funding alleged that I am indebted to them for the amounts of {$1300.00} and {$1000.00} regarding to their unlawful purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Review of SCRA relief of all accounts for my XXXX XXXX XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$22000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX Account type Auto Loan XX/XX/XXXX {$7400.00} XXXX XXXX Account type Secured Card Date opened XX/XX/XXXX {$380.00} Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the **Fair Credit Reporting Act ( FCRA ) ** for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach

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 2025-02-21 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: TX

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
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX XXXX XXXX XXXX HARD INQUIRY : RESIDENT VERIFY XXXX EXPERIAN INFORMATION SOLUTIONS INC credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 
I have disputed the above information with EXPERIAN INFORMATION SOLUTIONS INC This company has affirmed in writing to me that my disputes are FRIVOLOUS and that they will not research the dispute I request EXPERIAN INFORMATION SOLUTIONS INC supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

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 2025-02-21 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX XXXX XXXX XXXX HARD INQUIRY : RESIDENT VERIFY XXXX EXPERIAN INFORMATION SOLUTIONS INC credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 
I have disputed the above information with EXPERIAN INFORMATION SOLUTIONS INC This company has affirmed in writing to me that my disputes are FRIVOLOUS and that they will not research the dispute I request EXPERIAN INFORMATION SOLUTIONS INC supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$22000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX Account type Auto Loan XX/XX/XXXX {$7400.00} XXXX XXXX Account type Secured Card Date opened XX/XX/XXXX {$380.00} Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the **Fair Credit Reporting Act ( FCRA ) ** for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$22000.00} Original creditor CONSOLIDATED DIRECT LOANS XXXX XXXX XXXX Account type Auto Loan XX/XX/XXXX {$7400.00} XXXX XXXX Account type Secured Card Date opened XX/XX/XXXX {$380.00} Formal Complaint Against [ Credit Bureau Name ( s ) : Equifax , Experian, TransUnion ] for Failure to Remove Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally file a complaint against [ Credit Bureau Name ( s ) ] under the **Fair Credit Reporting Act ( FCRA ) ** for their repeated failure to investigate and remove fraudulent and inaccurate information from my credit report, despite providing evidence of identity theft linked to a data breach

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 2025-02-21 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-21 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: CA

Complaint narrative:
They are furnishing addresses that are not mine! I have never lived at those address. they are none mailing address for 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 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Contacted company ( C.A.C. ) in XXXX for vehicle title. 
Loan paid off XXXX. No response after several years of attempts. Finally XX/XX/year> was notified of error. 
After further research..was severely overcharged for financing, Breach of contract, falsely e-signed my signature of documents for add-on services. And claimed my vehicle was a total loss following a accident. But every filed report claimed " minor damages '' in which this action significantly lowered the value of my vehicle.

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