vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding fraudulent information on my credit report as a result of the XXXX data breach. My personal information was compromised, leading to the appearance of fraudulent accounts on my credit reports from all three credit bureaus ( XXXX, Experian, and XXXX ). 

To address this issue, I sent certified letters to each credit bureau requesting verification of these accounts. Specifically, I asked for signed contracts or documentation proving my agreement with the listed creditors. Despite following the proper dispute process, the credit bureaus failed to provide this verification within the legally required timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). 

These fraudulent accounts are negatively impacting my credit and preventing me from securing housing, causing undue stress and hardship. The lack of response and resolution from the credit bureaus has left me with no other choice but to escalate this matter. 

I kindly request the following : XXXX. Removal of all fraudulent accounts from my credit reports. 
XXXX. Confirmation of compliance with FCRA requirements to investigate and verify disputed information. 
XXXX. Assurance that my credit report is updated to accurately reflect my financial history. 

I appreciate your assistance in addressing this urgent matter. Please let me know if you require additional documentation or information to support my case.

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 2025-01-10 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-01-10 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 am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-10 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: IL

Complaint narrative:
THESE CREDIT REPORTING COMPANIES CONTINUE TO REPORT FRAUDULENT AND FALSE ACCOUNTS ON MY CREDIT REPORT THAT VIOLATES MY RIGHTS. I HAVE SENT MULTIPLE LETTERS NOTIFYING THESE CREDIT REPORTING COMPANIES THAT THESE ACCOUNTS ARE NOT MINE AND ARE AN ERROR ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
THESE CREDIT REPORTING COMPANIES CONTINUE TO REPORT FRAUDULENT AND FALSE ACCOUNTS ON MY CREDIT REPORT THAT VIOLATES MY RIGHTS. I HAVE SENT MULTIPLE LETTERS NOTIFYING THESE CREDIT REPORTING COMPANIES THAT THESE ACCOUNTS ARE NOT MINE AND ARE AN ERROR ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My husband and I have very similar names ( I am XXXX XXXX XXXX XXXX is XXXX XXXX XXXX and of course the same address. 
Capital One has somehow merged my personal accounts with his and I have lost access to everything. I have tried unsuccessfully for over a month to get this corrected with Capital One. 
Each time I contact them, I must go through a SLEW of holds and transfers, sometimes taking hours. Only to be met with MORE instructions on things that I NEED TO DO and timelines that I have to wait for these changes to be processed. During all this time, I have not had any access to pay my credit card account ( can not find out balance, make payments, etc ). The main issue that I am having and the reason I am making this complaint is because I have also not had access to my savings account. You can imagine during this economy and during XXXX time how having access to my savings account would have been important. Essentially Capital One has over {$10000.00} of my money that I can not access, and no one is capable of helping me correct the issues which were caused by their agency. This honestly seems criminal to me.how can a FDIC insured bank be so irresponsible with someones money and private information and so incapable of making a correction. 
Please see attached list of the NUMEROUS times that I have contacted Capital One and the hours spent speaking to them with no resolve. 
At this point, this is ABSURD that no one can fix this issue and I am still being denied access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Open Citibank checking account through promotional offers. Follow the institution 's instructions to deposit and fund the new account. Activated the debit atm card, activated XXXX payment transfer, and set up the required enhanced direct deposit. XXXX days later was blocked and locked out from mobile and online banking. Customer service did not help or explain the situation. Was told account under review in fraud department. XXXX day later still no access to funds. The next day, I received an email of the account involuntary will be closed and funds would be returned in XXXX  days. 

Reported to with Citi Executive Response Unit Case XXXX XXXXXXXX

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 2025-01-10 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: FL

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
NOTICE OF PRIVACY VIOLATIONS AND DEMAND FOR COMPLIANCE Re : Capital One Auto Finance accounts # XXXX and # XXXX I am disputing excessive sharing of private transaction history while maintaining positive account status : Account Details : XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$2500.00} - Last Reported : XX/XX/XXXX XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$21000.00} - Last Reported : XX/XX/XXXX Legal Basis for Dispute : XXXX. Privacy Act ( XXXX XXXX XXXX ) Violations : Section XXXX ( XXXX ) ( XXXX ) requires " only such information as is relevant and necessary '' Detailed transaction history from XXXX exceeds necessary requirements XXXX demonstrated business necessity for historical details XXXX. FCRA ( XXXX XXXX XXXX ) Violations : Section XXXX ( a ) ( XXXX ) ( A ) prohibits furnishing excessive information Current reporting exceeds standard credit reporting requirements Violation of reasonable procedures requirement XXXX. CFPB Regulations : XXXX XXXX requires accurate, necessary information only No compliance management system demonstrated No privacy protection procedures shown XXXX. Legal Precedents : CFPB XXXX XXXX XXXX : Requires limited scope of reportable information XXXX XXXX XXXX : Establishes standing for privacy violations INCOME REPORTING VIOLATIONS : A. XXXX  XXXX Section XXXX ( a ) ( XXXX ) : " Gross income includes income from discharge of indebtedness '' Charge-offs are XXXX debt XXXX debt becomes income Income can not be reported on credit reports B. XXXX XXXX XXXX : " Any applicable entity which discharges indebtedness of any person during any calendar year shall make a return '' Requirements : Form XXXX must be issued Debt must be reported as income Can not be simultaneously reported as active debt XXXX XXXX  Publication XXXX : Specifies : Cancelled debt is income Must be reported for tax purposes Can not be treated as outstanding debt FCRA ( XXXX XXXX XXXX XXXX a ) ) : " If any person takes any adverse action ... the person shall provide notice '' Violation : No proper adverse action notice provided ECOA ( XXXX XXXX XXXX XXXX d ) ( XXXX ) ) : Required statement of specific reasons not provided PRIVACY ACT VIOLATIONS : For accounts : # XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Must be removed as income # XXXX Opened : XX/XX/XXXX Balance : {$21000.00} Status : Must be removed as income

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
i signed on to complete checking with the intensions of getting a XXXX gift for signing up and to receive it before or on 180 days, i asked about it on the 180 day, the next day they sent a message that i didnt have some paper when i signed up i show the guy the paper and he said i would get this money by 180 days.well i didnt i was just scamed by these rotton bankers, td banking is bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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