vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep noticing that my credit report contains incorrect personal information, which has led to accounts appearing that I have no connection with. I am a victim of identity theft, and my personal information was used fraudulently, resulting in these unauthorized accounts being added to my report. Following the proper steps, I filed a report with the FTC as advised by Experian and submitted all necessary documentation. Yet, despite my efforts, these fraudulent accounts are still on my report. This is extremely frustrating and is negatively affecting my financial standing. These accounts and data are already deleted by both XXXX and XXXX for being erroneous, unauthorized and fraudulent yet you keep reporting it on my credit, this is a blatant violation of my rights as a consumer.

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 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A debt was sold to National Credit Systems and I received no information or signed anything that stated I agreed to pay them. The account was opened in XX/XX/XXXXXXXX  and just popped up on my credit report XX/XX/XXXX, there is no binding agreement from myself to the collection agency that I agreed to pay National Credit Systems. Also they have violated my rights by unlawful communication according to 15. U.S.C 1692C from the parties of National Credit Systems to XXXX. 

I have disputed the collection and requested proof, I have emails with me attempting to make contact every time I try to contact my representative XXXX XXXX XXXX via phone she is away from her office or on lunch. Thank you your assistance is greatly appreciated.

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

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the 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 explanation
Consumer complaint received 2025-03-03 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:
there are problems with these accts they arent reporting correclty i need them right

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
there are problems with these accts they arent reporting correclty i need them right

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

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company 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 2025-03-03 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: IN

Complaint narrative:
i have attempted to get the inaccurate activity removed from my account i have sent 2 letters in my 609 letter and a 30 day demand and comply no response these inaccurate information on my account is causing me distress for me and my family

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

Complaint narrative:
I have been part of several data breach incidents.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX According to codes 15US CODE {$1600.00} 15 US CODE $ 1681b According to the fair credit reporting act section 15 USC 1681C-2 AND 605B, It is illegal to report information on my credit report without my permission. Please remove this 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX According to codes 15US CODE {$1600.00} 15 US CODE $ 1681b According to the fair credit reporting act section 15 USC 1681C-2 AND 605B, It is illegal to report information on my credit report without my permission. Please remove this from my credit report.

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

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My son and I traveled with XXXX XXXX XXXXXXXX XXXX XXXXXXXX and we paid in full and usually they will hold your credit card for any charges if you buy something on the cruise. 
when we arrived on this cruise the following day I have noticed the there were {$17.00} per person charges for Crew Appreciation on our cruise account and we went to front desk and asked them to please remove those charges since we decided to tip the crew with cash and also front desk assured us that they will remove those charges. After couple of days on the cruise we have notice the charges was not removed and for each day they have charged us $ XXXX per person again so we decide to go back again to front desk to ask them to remove these charges and the front desk / customer service on the ship assured they will be removed. On final onboard account last day we asked again why the charges are still showing up on our cruise account the front desk for XXXX time assured us no worries there will be remove and released to our credit card company capitalOne credit card ending in # XXXX but it will take 14 days of the final onboard account. Well after we came home I have noticed they have charged us {$230.00} on my capitalOne credit card mastercard ending # XXXX then I have notified both companies XXXX XXXX customer service/ Guest Relations representative.they gave me a case # XXXX and of course i have notified capitalOne which we believe they were no help to us. At the end It is not mandatory to pay crew appreciation or tip but we decided to thank each crew tip with cash and also to thank them, I am disputing these charges on my capitalOne credit card ending in XXXX  XXXX also we have notified them both several times. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I received a debt statement in XX/XX/2024 saying I owed {$390.00} for an over payment to us dept of education. Failure to pay could result in offset of state tax return and social security benefits. I requested proof that an over payment was made. My state taxes of {$75.00} was taken last year for this, I received a form 1098t saying only {$20.00} was received. I received a letter XXXX XXXX  saying my request for a hearing regarding objection to offset taxes would be placed on hold. The following month this appears on my credit report negatively. It was charged off 4 days after sending letter and added to my credit report. Never gave me proof of over payment the amounts are not correct if took my whole state tax return prev year.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

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

Complaint narrative:
there are problems with these accts they arent reporting correclty i need them right

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please see attached -- -for complete information What Happened. 
On XX/XX/XXXX a check was mailed by a XXXX XXXX XXXX to BMO bank at Mortgage servicing XXXX XXXX, XXXX .The bank deemed it as fraudulent. They sent me the check ( exhibit XXXX ). I noticed a different lender on it not BMO. Apparently BMO sold the mortgage to XXXXXXXX XXXX XXXXXXXX. BMO did not give me any notice, which is required as 15 days before they entertain another holder. 
The fraud Department got involved and a XXXX XXXX XXXX XXXX XXXX XXXX called and said they were locking the accounts-which is the equity, a personal, a business, and charity account along with this. I informed her that there was NO fraud ever on the other XXXX accounts. She said the bank will close the accounts on XX/XX/XXXX but gave me the option to close before that date.They informed me that my computer was hacked and had to be cleaned and showing me proof and after that all XXXX accounts would be opened, verbally.The fraud department changed my equity account number from XXXX to XXXX the supposedly fraud check copy was sent to me on XX/XX/XXXX and reflected the old account number ending in XXXXExhibit 1. I complied with the banks request to clean my computer. ( XXXX ) Exhibit 8 but there was nothing whereby someone could hack into it. XXXX XXXX send me a letter dated XX/XX/XXXX which stated the closure of the other XXXX accounts ending in XXXX personal, XXXX -charity, XXXX Exhibit XXXX. On XX/XX/XXXX a letter from BMO bank was sent to me removing the restrictions Exhibit 3. It stated there the restrictions were removed after they reviewed it on ACCOUNT ( S ) Plural, Exhibit XXXX. No specific account numbers were shown on that letter. I took the letter to the XXXX XXXX and dropped it off with a XXXX XXXX XXXX XXXX ( Retail Relations manager ) copy of his card Exhibit 4. He said he would fax it to XXXX XXXX, fraud department. He said he would call me -- -he never did. I drove to the branch with my wife and he said the restriction removal was for the personal account.only? He said the charity account was open and never touched but business account is still locked? He said he would open a new personal account -- which he did, with new debit cards. But NO online access? and the new account would be closed on XXXX XXXX? I asked him, why then did you open a new personal account and he had no answer.? He became very rude bluntly saying " Good Bye XXXX "!!? I was handled extremely poorly by this bank with no transparency. They are linking me to fraud on the equity account. The accounts were opened since 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I keep noticing that my credit report contains incorrect personal information, which has led to accounts appearing that I have no connection with. I am a victim of identity theft, and my personal information was used fraudulently, resulting in these unauthorized accounts being added to my report. Following the proper steps, I filed a report with the FTC as advised by Equifax and submitted all necessary documentation. Yet, despite my efforts, these fraudulent accounts are still on my report. This is extremely frustrating and is negatively affecting my financial standing. These accounts and data are already deleted by both XXXX and XXXX for being erroneous, unauthorized and fraudulent yet you keep reporting it on my credit, this is a blatant violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
No knowledge of account. Company dont provided information about the account or proof of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 hope you're doing well. I noticed an inquiry on my credit report that I didnt authorize, and it doesn't seem to have a valid reason or permissible purpose behind it.

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 2025-03-03 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In addition to complaint # XXXX. 
My original complaint where I deposited a check from my old boss that he gave me to repay a loan. {$6700.00} On XX/XX/year> @ XXXX XXXX. 
They said it would be available the next day. 
It was. 
I went to bank and got a cashier 's check for {$250.00}, {$5.00} fee, and {$6200.00} cash. 
On XX/XX/year> @ XXXX XXXX. 
Leaving XXXX to pay some credit card payments. I went about my weekend. 
On Sunday I saw an email and thought I was looking at my deposit I later read my bank messages on my mobile app and found that after the {$6700.00}. Had been cleared into my account, it was a stop PO payment. This was XX/XX/year> @ XXXX pm. 
My XXXX credit card payments since then were returned unpaid, the cash I left in my account disappeared and now on XX/XX/year>, My {$980.00} social security check has also disappeared. I I contacted Social Security right after the bank fraud, and they changed dd to my other bank but could not stop the payment. And I have incurred double the fees for my credit card payments that Wells Fargo also took.

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