vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is for Complaint ID XXXX XXXX reopening this complaint because XXXX XXXX  XXXX XXXX not only dismissive, but it completely missed XXXX XXXX of my dispute. I provided clear documentation, and instead of reviewing the facts, they gave a copy-and-paste answer that failed to acknowledge or address their reporting inconsistencies. 

I have XXXX Smart Option Student Loans with XXXX XXXX. I was making a single monthly consolidated payment that was applied across all XXXX loans. In XXXX and XX/XX/year>, I missed two payments due to personal hardshipbut XXXX XXXX reported seven late payments across the five loans. That is excessive, misleading, and unfair. A single missed payment should not trigger multiple delinquencies. 

Even worse, XXXX XXXX claims they are prohibited from correcting this, even when the information reported was clearly inconsistent with my actual payment activity. Let me be clear : I made a payment on XX/XX/year>, and another on XX/XX/year>. Yet they still marked me delinquenteven though they confirmed my deferment started on XX/XX/year>. A late payment should not be reported when the account was in deferment and a payment was still made. 

Their refusal to fix the issue is not just frustratingits negligent, incompetent, and ignorant. They keep repeating that their reporting was accurate at the time, but accuracy doesnt expire. If new, verified information proves an error, they are obligated to correct it. Instead, they ignored the documentation I submittedjust like they ignore the consumer behind the loan. 

Its insulting to ask for supporting documents only to overlook them like theyre irrelevant. I took the time to provide VALID receipts and payment history, only to be met with a response that feels robotic, rushed, and disconnected from reality. If thats what they call customer service, then there is a much deeper issue here. 

Also, the comment about the address change? Irrelevant and a deflection. The address currently tied to the account is likely my co-signersmy motherwhich is my permanent address for all major records and correspondence. The newer address XXXX XXXX is referring to reflects a temporary move made for safety reasons, which is exactly why I missed ( quotations intentional, since nothing has been accurately tracked on their end ) those two payments. Do they care at all about a persons basic hierarchy of needs? Or is everything second to profit? If this is the kind of compassion and logic consumers are met with, then its no wonder mistakes like this go unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was deleted off of my credit report due to it being over XXXX XXXX XXXX. The account was picked up by this new collection agency and the dates were changed they added it back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: DC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, and incomplete and inaccurate information. You are in serious violation of the United States XXXX Law ( TILA ) XXXX XXXX Code XXXX ( b ) billing error.

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 2025-04-09 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: TX

Complaint narrative:
I never applied for XXXX XXXX credit card and Ive asked them to remove this inquiry but they denied the request and never sent information about verification since they denied request to remove.

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 2025-04-09 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:
I take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( ii ) ( XXXX ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation.

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 2025-04-09 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: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-09 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: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX Im writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-09 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: HI

Complaint narrative:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. 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 non-monetary relief
Consumer complaint received 2025-04-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XXXX XXXX Subject : Request for Investigation and Correction of Inaccurate Credit Reporting ( 15 USC 1681i ( 5 ) ) Dear CFPB, I am writing to formally dispute an entry on my credit report and request an investigation of the account associated with XXXX XXXX. Under the Fair Credit Reporting Act, specifically 15 USC 1681i ( 5 ), I am requesting that you investigate this entry and ensure that the information is accurately reported. 

Here are the details of the account in question : XXXX XXXX : XXXX XXXX. 
Account Number : XXXX Account Type : Collection Status : Collection Account Past Due Amount : {$1500.00} Date Opened : XX/XX/XXXX As of XX/XX/XXXX : The account shows a balance of {$1500.00} past due. 
I request that you conduct a thorough investigation into this matter and correct or remove any inaccuracies. Under 15 USC 1681i ( 5 ), if the information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed from my credit report.

I have not had any direct dealings with PLUSFOUR, and as such, I believe there may be an error in the reporting or that the account is being incorrectly attributed to me. Please provide me with documentation proving that this account is indeed mine, including any signed agreements or verification of debt. 

If you are unable to verify the information, I respectfully request that the account be removed from my credit file. 

Please send me written confirmation of the actions taken in response to this dispute, as well as a copy of the updated credit report reflecting these changes. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX - XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-04-09 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX  business days with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX  ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX Balance : {$3200.00} XXXX  XXXX XXXX Balance : {$51.00} XXXX XXXX XXXX Balance : {$32.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX  XXXX XXXX XXXX : {$240.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX  XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$6300.00}

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is refusing to give me my money after closing my account. I deposited a XXXXXXXX XXXX XXXX  Check for {$1000.00} on XX/XX/XXXX. I have contacted them repeatedly by phone and email and they still are holding my money. They did however send me a check for {$9.00} on XX/XX/XXXX for another deposit made the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$170000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Name ] [ Your Signature, if submitting via mail ]

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