vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 a personal credit card account opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I submitted a dispute to Barclays Bank Delaware regarding inaccurate reporting of my account ( Account # XXXX, opened XX/XX/year> ) to the credit bureaus, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 ( b ). My XXXX credit report lists this account with a current payment status and on-time payment history, yet it is incorrectly marked as derogatory. Conversely, my XXXX credit report shows a current payment status but includes an inaccurate payment history. Despite providing supporting documentation with my dispute, Barclays has failed to investigate and resolve these discrepancies. 
Under FCRA 1681s-2 ( b ), Barclays is required to conduct a reasonable investigation of disputes, verify the accuracy of reported data, and correct or delete inaccurate information furnished to credit bureaus. The conflicting reports across XXXX and XXXX indicate that Barclays data is either incorrect or unverifiable, violating this obligation. These errors have significantly harmed my creditworthiness, restricting my access to credit, increasing borrowing costs, and causing financial and emotional distress.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have evictions on my credit report and they shouldnt be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 : XX/XX/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 BANK on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  I on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX - XXXX BANK on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX BANK XXXX on XX/XX/XXXX with a balance of {$8000.00} 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 FICO 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Someone use my information without my knowledge at a chase bank the inquiry was on my credit report I didn't apply for no loans so I reporting the case of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
XXXX provided a paid in full letter to me in XXXX then report my payments as late for the month of XXXX after the loan was paid in full.

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by Discover Bank on my credit reports for two accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
For both accounts Account Numbers : XXXX ( opened XX/XX/XXXX ), XXXX ( opened XX/XX/XXXX ) My XXXX, XXXX and XXXX credit reports show these accounts with a current payment status but erroneously marked as derogatory. 
The payment history for both accounts shows no data, providing no basis for the negative status. 
These inconsistencies suggest that Discover Bank is furnishing inaccurate or unverifiable information to the credit bureaus. Under FCRA 1681s-2 ( b ), Discover Bank is obligated to investigate disputes and ensure the accuracy of reported data. The derogatory designations, despite current payment statuses and absent payment histories, indicate a failure to comply, harming my creditworthiness and causing financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
My vehicle was involved in an accident a year agoXXXX2024 or XX/XX/year>2024 it happened around my birthday ( XXXX ). I was out celebrating and was not driving my vehicle that night and was a victim of auto theft. I didn't fully realize what happened until maybe a day or two later, I was out for my birthday all night. As things settled a day or two after I realized my vehicle was missing, I have had instances where I partied to much and forgot where I parked, this was not that incident, apparently my vehicle was stolen but it was recovered and impounded. I did not know and filed a police report online, I was contacted back, then later informed the next day the vehicle was in the pound so a police report was not possible. The city investigated the accident and the vehicle was released, without any details of the incident. I start to receive letters in the mail for an obscene amount of money following, {$8000.00} + etc. I wasn't sure if it was scam or not. Eventually I was contacted maybe a few weeks ago and the guy misrepresented himself, first he told me to send an email with the original report I filed, he let a week go by then called back, and told me he never told me to send it in the email because they don't do email, then proceeded to give me his " personal e-mail '' to send it in. He wasn't happy with what he received citing anybody to could just that. I explained the situation and my stance and he disregarded. He's seeking to suspend my license and registration or I have to pay {$9100.00}, I'm currently unemployed seeking employment and defiantly won't be able to work if I have no access to a my vehicle or the ability to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX XXXX XXXX XXXX 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 MORTGAGE XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} 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 FICO 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 explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} 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 FICO 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 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Information Account Number : XXXX Open Date : XX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Complaint Details I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate reporting by Capital One on the above-referenced accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
Capital One is reporting inconsistent and inaccurate information about these accounts to the major credit bureaus, harming my creditworthiness. Specifically : On my XXXX credit report, both accounts are listed with a current payment status and on-time payment history but are incorrectly marked as derogatory. This is a contradiction, as a current account with timely payments should not carry a derogatory status. 
On my XXXX credit report, both accounts show a current payment status but reflect an inaccurate payment history that does not align with my records or the XXXX report. 
These discrepancies indicate that Capital One is furnishing incorrect or unverifiable data to the credit bureaus, in violation of FCRA 1681s-2 ( b ), which requires furnishers to investigate disputes and ensure the accuracy and completeness of reported information. The conflicting reports across bureaus demonstrate a failure to meet this standard, causing me financial harm and emotional distress,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by Mercedes-Benz Financial Services Account Number : XXXX on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). The account, opened on XX/XX/year>, is being reported inconsistently across credit bureaus, causing harm to my creditworthiness. 
Specifically : My XXXX credit report shows this account with a current payment status and on-time payment history, but it is incorrectly marked as derogatory. 
My XXXX credit report reflects a current payment status but includes an inaccurate payment history. 
My XXXX credit report reflects a current payment status but includes an inaccurate payment history. 
These discrepancies indicate that Mercedes-Benz Financial Services is furnishing incorrect or unverifiable data to the credit bureaus. Under FCRA 1681s-2 ( b ), you are required to investigate disputes and ensure the accuracy of reported information. The conflicting reports across XXXX and XXXX suggest a failure to meet this obligation, resulting in financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Name Variation on Credit Report Dear Experian Dispute Department, I am writing to formally request the correction of inaccurate name variations currently associated with my credit report. Upon reviewing my credit report dated XX/XX/year>, I noticed that my report lists both : on Report Number XXXX XXXX XXXX XXXX XXXX correct ) XXXX XXXX XXXX ID # XXXX ( incorrect ) XXXX XXXX XXXX ID # XXXX ( incorrect ) My full legal name is XXXX XXXX XXXX XXXX and I do not use or recognize the names XXXX XXXX XXXX XXXX XXXX as valid names associated with my identity. I believe this incorrect variation may have been added in error or as a result of a data entry issue.

Please update your records to reflect only my correct legal name and remove any incorrect or duplicate variations to ensure the accuracy of my credit file. 

For your reference, I have included the following documents : - A copy of my government-issued ID - relevant section of the credit report - Birth certificate If further verification is required, please contact me at the phone number or email provided above. I would appreciate written confirmation once this correction has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Name Variation on Credit Report Dear Experian Dispute Department, I am writing to formally request the correction of inaccurate name variations currently associated with my credit report. Upon reviewing my credit report dated XX/XX/year>, I noticed that my report lists both : on Report Number XXXX XXXX XXXX XXXX XXXX correct ) XXXX XXXX XXXX ID # XXXX ( incorrect ) XXXX XXXX XXXX ID # XXXX ( incorrect ) My full legal name is XXXX XXXX XXXX XXXX and I do not use or recognize the names XXXX XXXX XXXX XXXX XXXX as valid names associated with my identity. I believe this incorrect variation may have been added in error or as a result of a data entry issue.

Please update your records to reflect only my correct legal name and remove any incorrect or duplicate variations to ensure the accuracy of my credit file. 

For your reference, I have included the following documents : - A copy of my government-issued ID - relevant section of the credit report - Birth certificate If further verification is required, please contact me at the phone number or email provided above. I would appreciate written confirmation once this correction has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation