vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I could not reach all XXXX of the credit bureaus, I could NOT get past the automated system to address this concern. XXXX XXXX shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX. On the XXXX of XXXX, 2025, I will petition the courts to freeze XXXX XXXX assets until they pay me. This document attached is to be sent to all XXXX credit reporting agencies and if they fail to comply and not take this off my reports, I WILL SUE ALL XXXX AGENCIES 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I could not reach all XXXX of the credit bureaus, I could NOT get past the automated system to address this concern. XXXX XXXX shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I will petition the courts to freeze XXXX XXXX assets until they pay me. This document attached is to be sent to all XXXX credit reporting agencies and if they fail to comply and not take this off my reports, I WILL SUE ALL XXXX AGENCIES 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I could not reach all XXXX of the credit bureaus, I could NOT get past the automated system to address this concern. XXXX XXXX shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX. On the XXXX of XXXXXXXX XXXX, I will petition the courts to freeze XXXX XXXX assets until they pay me. This document attached is to be sent to all XXXX credit reporting agencies and if they fail to comply and not take this off my reports, I WILL SUE ALL XXXX AGENCIES AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Chime Financial Inc
State: ID

Complaint narrative:
my identification was hacked and someone opened up a chime debit card in my name chime card XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
They have the information that I reported as identity theft when I was sent to collection by XXXX. I thought this was resolved, but they still have the XXXX, Mississippi address that has NEVER been mine. They have also now added a XXXX XXXX ( I am XXXX XXXX XXXX XXXX, also not me. They don't take responsibility for the errors and it is very frustrating. Feel free to contact me by my landline if it helps. 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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Accounts were created under my name and information fraudulently without my authorization or knowledge. The fraudulent claim account information is for Jefferson Capital Systems LLC one in the amount of XXXX amd the other account is XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: SC

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This is a follow-up to CFPB claim XXXX. 

I was a victim of fraud on XX/XX/XXXX, scammed out of my entire savings account. Today, XX/XX/XXXX, at XXXX XXXX, I received a call similar to the reference scam noted above. First, I received a text message at XXXX XXXX. that read ( Wells Fargo Security : Did you attempt a transaction @ XXXX # XXXX for the amount of {$380.00}? Reply Y for YES ; if you don't recognize this charge reply N for NO & OPT out this message reply STOP. ) I replied NO and received another message ( Freemsg : Thank you for corresponding! This transaction will be blocked, and a call will be generated shortly. ) Then I received a call from XXXX XXXX XXXX XXXX ; the gentleman introduced himself as XXXX from the Wells Fargo Bank Fraud Department. He stated there has been fraud on your account. I immediately informed him that I had been scammed before and that I would call the bank. I hung up and called the bank ; the WF representative verified that I had no fraud notices and stated she would create a case for investigation. I received another call at XXXX XXXX. from the same gentleman, XXXX, repeating the same thing. I told him I was calling WF, and he hung up the phone. I believe this is the scam from 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
My experience with Quality Acceptance has had 0 quality and the only acceptance was that of increasing my payments with an insurance policy that was not needed as I have my own insurance bond to my liability of myself and any vehicle I drive. During the process of trying to find information about my loan from the company I missed a couple of payments and when finally I was able to speak someone about a repayment plan they come and repo 'd the car. After looking at my contract they were not supposed to repo until 90 days had passed without payment. This company has no regard for laws and statues that are there to protect consumers from contracts or predatorial finance companies such as Quality Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: WI

Complaint narrative:
My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed below : University of XXXX Acct # : XXXX, Bal- {$1100.00} Date opened : XX/XX/XXXX University of XXXX Acct XXXX : XXXX, Bal- {$540.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$34000.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$1700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$1300.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$370.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$140.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$65.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct XXXX XXXX XXXX, Bal- {$1400.00} Date opened : 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 2025-01-02 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: WI

Complaint narrative:
My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed below : University of XXXX Acct # : XXXX, Bal- {$1100.00} Date opened : XX/XX/XXXX University of XXXX Acct XXXX : XXXX, Bal- {$540.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$34000.00} Date opened : XX/XX/XXXX XXXX XXXX management- Acct # : XXXX, Bal- {$1700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$1300.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$370.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$140.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$65.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct XXXX XXXX XXXX, Bal- {$1400.00} Date opened : 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at Capital One on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately.

Please provide written confirmation regarding the resolution of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: TX

Complaint narrative:
This company has fraudulent practices. They filed twice my loan in the small claims court. The first time. I had already contacted them to get my account in order. I caught up what was due quickly. They still filed. I continued to make payments through their main office in XXXX XXXX. I finally setup automatic payments because they kept trying to add fees that were not warranted. They changed me XXXX for court cost the first time in XXXX. They filed again in small claims court in XXXX, same judge, saying I never made any payments. This happened in XX/XX/XXXX. Again, I am doing automatic payments. So, this was another action of fraud. I sent response to court stating, I had proof account was current. This made no sense. They have charged me another XXXX for another court cost. My balance should only be {$50.00}. They are saying I owe them the additional court fee of XXXX. They have never reported my account to credit bureau correctly. Though I had account set up to pay automaticly they still show ut every month as past due. I tried to resolve this through them. They insist they did nothing wrong. A criminal organization. I am exhausted! I do not owe them additional fee for something that should not have been filed even once, they did it twice. 
I need help! They depend on people feeling overwhelmed by life to steal from them. I paid the {$51.00} XX/XX/XXXX. I need account reported correctly to credit bureau and additional fee removed of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 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: OR

Complaint narrative:
XXXX. XXXX XXXX - XXXX Violations Identified : Payment History : The late payments reported ( 30/60/90 days ) lack a clear and complete timeline as required under the Metro 2 guidelines.

High Balance/Credit Limit Discrepancy : High balance inconsistently matches the credit limit, creating unclear reporting. 
Date of Last Activity ( DLA ) : Inconsistent reporting of the DLA between the bureaus.

Closed Status : Closed account reflects a {$0.00} balance but retains a delinquent status, which is inconsistent with FCRA guidelines. 
Remarks : Incomplete or conflicting remarks regarding account status ( e.g., " Account closed due to inactivity '' and " Paid as agreed '' ). 
XXXX. XXXX XXXX XXXX  - XXXX Violations Identified : Late Payment Reporting : Late payments fail to reflect uniformity across all three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. 
Date Opened : Inconsistent date opened across bureaus. 
Account Status : " Open '' status while remarks suggest " Closed '' under Metro 2 coding inconsistencies. 
XXXX. [ Account Name, Account Number ( e.g., Navient - xxxx ) ] Violations Identified : Dispute Resolution Status : No " XB '' code indicating investigation under FCRA guidelines, despite a dispute having been submitted previously. 
Payment Frequency Reporting : Missing monthly payment data fields for an account listed as active. 
Credit Limit Reporting : Failure to accurately reflect the balance owed upon closure or reflect true terms of the loan agreement.

Legal Basis : Pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ), information furnished to consumer reporting agencies must be accurate, complete, and verifiable. The identified discrepancies demonstrate violations under : 15 U.S.C. 1681e ( b ) : " Maximum possible accuracy '' standard.

Metro 2 Compliance Guidelines : Uniformity and consistency requirements across credit bureaus.

15 U.S.C. 1681i : Obligation to reinvestigate disputed information.

15 U.S.C. 1681s-2 : Furnisher obligations for reporting accurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
To Whom It May Concern, I recently reviewed my Experian credit report XX/XX/year>25 and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX account shows collection on account type but also show current.. 
Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data.

2. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data.

3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies.

4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate.

I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA.

Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). 
* Notify all furnishers of the corrections made to my file. 
* Provide me with written confirmation that these corrections have been completed. 
Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the 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 2025-01-02 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: CA

Complaint narrative:
TransUnion, XXXX, AND XXXX ARE IN VIOLATION OF US CODE 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX TRANSUNION- XX/XX/XXXX & XXXXREPORTING A LATE PAYMENT- FROM XXXX  XXXX & TRANSUNION- XX/XX/XXXX & XXXXREPORTING LATE PAYMENT- FROM XXXX  THESE ARE NOT CORRECT I HAVR NEVER HAD ANY LATE PAYMENTS I WAS AFFECTED BT THE 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