vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
Hello, on XXXX XX/XX/year> a couple of applications to credit cards were done under my credit. I did not authorize any of these credit applications and tried calling both institutions, getting nowhere. 

One inquiry was from XXXX XXXX with TRANSUNION and the other one was from XXXX with XXXX. 

I tried solving this directly with them, but it has been impossible. I have not applied to any credit with these two institutions, nor im i interested. Please help me removing these two inquiries from my credit file, and most importantly making sure that whoever this impersonator is, does not apply to anything else.

I already logged in to all the credit institutions and froze my credit as well as sent letters to both XXXX and Transunion, but it has been complicated to get a real answer. 

Please HELP! Images attached for both inquiries, i have no idea if they were approved or not, as they wouldn't share this, as well as the amount that they applied for. 

Thanks.

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 2025-03-27 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: FL

Complaint narrative:
Hello, on XXXX XX/XX/year> a couple of applications to credit cards were done under my credit. I did not authorize any of these credit applications and tried calling both institutions, getting nowhere. 

One inquiry was from XXXX XXXX with XXXX and the other one was from XXXX with EQUIFAX. 

I tried solving this directly with them, but it has been impossible. I have not applied to any credit with these two institutions, nor im i interested. Please help me removing these two inquiries from my credit file, and most importantly making sure that whoever this impersonator is, does not apply to anything else. 

I already logged in to all the credit institutions and froze my credit as well as sent letters to both Equifax and XXXX, but it has been complicated to get a real answer. 

Please HELP! Images attached for both inquiries, i have no idea if they were approved or not, as they wouldn't share this, as well as the amount that they applied for. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. dissemination, and use of consumer information, including credit information. It provides consumers with the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable 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 2025-03-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ). I believe that Experian, Equifax & Transunion has failed to comply with its legal obligations, resulting in negligence and harm to me.

Under 15 U.S. Code 1681o, an entity that negligently fails to comply with the requirements of the FCRA is liable for damages, including attorneys fees. The violations in my case include but are not limited to : Failure to properly investigate my dispute regarding [ describe the issue, e.g., an erroneous debt or incorrect personal information ]. 

Failure to maintain accurate records and ensure fair reporting practices. 

Failure to provide proper notification regarding the outcome of the dispute process. 

As a direct result of these failures, I have suffered financial loss, stress and credit denials. I am demanding the following corrective actions be taken immediately : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX A full investigation and removal/correction of the inaccurate information. 

A written statement confirming the resolution of this matter. 

Compensation for damages as provided under 15 U.S.C. 1681o, including legal costs if necessary. 

If this issue is not resolved within 30 days, I will have no choice but to escalate the matter through legal channels. Please consider this letter a formal notification of your non-compliance and an opportunity to rectify the situation before further legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ). I believe that Experian, Equifax & Transunion has failed to comply with its legal obligations, resulting in negligence and harm to me.

Under 15 U.S. Code 1681o, an entity that negligently fails to comply with the requirements of the FCRA is liable for damages, including attorneys fees. The violations in my case include but are not limited to : Failure to properly investigate my dispute regarding [ describe the issue, e.g., an erroneous debt or incorrect personal information ]. 

Failure to maintain accurate records and ensure fair reporting practices. 

Failure to provide proper notification regarding the outcome of the dispute process. 

As a direct result of these failures, I have suffered financial loss, stress and credit denials. I am demanding the following corrective actions be taken immediately : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX A full investigation and removal/correction of the inaccurate information. 

A written statement confirming the resolution of this matter. 

Compensation for damages as provided under 15 U.S.C. 1681o, including legal costs if necessary. 

If this issue is not resolved within 30 days, I will have no choice but to escalate the matter through legal channels. Please consider this letter a formal notification of your non-compliance and an opportunity to rectify the situation before further legal action is taken.

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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i have been waiting to received the check from CITI. my wife and i made over payments by {$10000.00}. my wife did not notified me she made two {$5000.00} ( {$10000.00} total ). it seems that they take advantage by earning the interest by hold my credit balance almost {$10000.00}.

then i decided to closed the account that might quicker for them to send me the check. i kept get disconnect when i was hold for closed account three times. 

thanks. 
my email address XXXX last four # 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 monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Our mortgage company is trying to charge us over {$5000.00} in escrow that should have been calculated and taken out throughout the year. My husband is also a XXXX XXXX XXXX veteran in texas and applied for the texas tax exemption to which was supposed to be applied. We contacted our insurance company XXXX that they first blamed to which they stated our bill only went up XXXX XXXX monthly then contacted our local tax office which stated our taxes only went up around the same. They did not account for taxes or from what we can see paying our monthly insurance payment that is supposed to be icluded in our monthly bill in escrow and are now trying to make us responsible for their mistake. This is XXXXXXXX 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 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB
State: PR

Complaint narrative:
This complaint is about Klarna, and it is very serious. Consistently Klarna told me I have about { {$1000.00} } in credit but recently in 24 hours this changed to XXXX XXXX eventhough I have excellent payment history, pay early, and my credit rating hasn't changed in 4 weeks. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Attached is a FTC REPORT which entails how my identity was used unwillingly and illegally. I request the following information be provided showing how this account was determined accurate and allowed to be reported to my credit.

1. A copy of the original contract or agreement bearing my signature that validates this alleged debt.

2. Detailed records showing how the amount was calculated.

3. Proof of your right to collect on this account. Under the Fair Credit Report Act, the information is my right and it is the responsibility of the credit reporting agencies to uphold this right I demand a thorough and diligent investigation be done and completed within 7 days

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 2025-03-27 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: GA

Complaint narrative:
I RECENTLY NOTICED CREDIT INQUIRIES ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS ATTEMPTED TO GET AN AUTO LOAN IN MY NAME. I CALLED THE CREDIT BUREAUS AND SPOKE WITH SOMEONE IN THE FRAUD DEPTARTMENT AND WAS ADVISED THESE UNAUTHORIZED INQUIRIES WOULD BE REMOVED. I CHECKED REPORT AND NOTICED THEY ARE STILL BEING REPORTED. 

REPORTING THIS INFORMATION TO MY PROFILE WITHOUT MY PERMISSION IS IN VIOLATION OF 15 USC 1681B AND CONTINUING AFTER I'VE ADVISED THAT I AM A VICTIM OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I RECENTLY NOTICED CREDIT INQUIRIES ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS ATTEMPTED TO GET AN AUTO LOAN IN MY NAME. I CALLED THE CREDIT BUREAUS AND SPOKE WITH SOMEONE IN THE FRAUD DEPTARTMENT AND WAS ADVISED THESE UNAUTHORIZED INQUIRIES WOULD BE REMOVED. I CHECKED REPORT AND NOTICED THEY ARE STILL BEING REPORTED. 

REPORTING THIS INFORMATION TO MY PROFILE WITHOUT MY PERMISSION IS IN VIOLATION OF 15 USC 1681B AND CONTINUING AFTER I'VE ADVISED THAT I AM A VICTIM OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I did not authorize these inquires on my credit report please remove from my credit immediately. 

COAF- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-27 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: DC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-27 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I request an investigation into accounts that have been wrongly reported with late payments. Upon checking my credit report, I noticed that certain accounts were inaccurately marked. There should be no late payment remarks on these accounts. Kindly remove them and update the accounts to reflect a positive standing as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: GA

Complaint narrative:
Well Netspend Ace Elite sent me an email stating that they were a problem with my account and to call. I called several times they place you on hold than after 45mins to an hour it hangs up. Its so frustrating because I have a lot of money i. my savings with that account. So when I emailed them they told to me send certain documentation to prove its my account did that they say it wasnt enough and to call. Again they dont answer!!!

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 2025-03-27 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: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-27 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: DC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief