vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am requesting validation of the debt referenced from Jefferson Capital Systems. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before proceeding with any payment. Please provide the following information : 1. Proof that I owe the debt, including a copy of the original agreement and amendments with the creditor, as well as every assignment contract that exists.

2. A detailed accounting of the debt, including the original balance, any interest or fees added, and the date of the last payment.

3. The name and address of the original creditor if different from your company.

4. Proof that you are authorized to collect this debt on behalf of the original creditor.

5. A copy of any judgment ( if applicable ) that authorizes collection efforts.

Until I receive the requested validation, I request that you cease all collection efforts and refrain from reporting this debt to the credit bureaus. If you have already reported it, please mark it as disputed per the Fair Credit Reporting Act ( FCRA ). If you can not provide adequate validation, I request that you remove any negative reporting from my credit file and cease further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MN

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX  XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$600.00} Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX Date XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Balance : {$3500.00} INCORRECT ADDRESSES LISTED : 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 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 INCORRECT NAMES LISTED : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX INCORRECT PHONE NUMBERS LISTED : XXXX. ) XXXX XXXX. ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was facing financial hardship and fell behind on my car payment and my credit took a hit I am asking to please be forgiven for late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I was facing financial hardship and fell behind on my car payment and my credit took a hit I am asking to please be forgiven for late payment.

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 2025-04-02 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX 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 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 XXXX XXXXXX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$520.00} 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 # ( 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a timestamp of my transaction to see when I initiated a transfer in between my accounts to cover my insufficient funds. I was certain that I made the cut off time and requested to see if they can check. They stated that they are unable to see any times of when my transaction went through. I thenasked how they can prove that my transaction was before or after the cut off time if they can not tell me the exact time.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I set up a direct deposit using the credit karma app On XXXX my place of occupation XXXX for XXXX XXXX deposited my first check using the app I transferred money in and out of credit karma into other app such XXXX XXXX, XXXX etc no problem. XX/XX/XXXX - XXXX  they left me for dead with XXXX options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX/XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX/XXXX  # XXXX XX/XX/XXXX XXXX {$XXXX} XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX/XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} UNAUTHORIZED XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information being reported. I have several incorrect addresses and unknown accounts. I also was in several data breaches. The credit bureaus refused to report accurate 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My phone was stolen on XX/XX/year>. My stolen XXXX was used to make many fraudulent charges using XXXX XXXX and XXXX XXXX. XXXX of the fraudulent charges were made using my Sofi Account on XX/XX/year> : XXXX XXXX XXXX {$XXXX} ( dispute denied ) -XXXX XXXX, {$XXXX} ( dispute denied ) -XXXX  Payment to XXXX XXXX {$XXXX} ( dispute approved by XXXX ) The XXXX was able to make the transactions using my stolen phone. I filed a police report detailing the events, including how my phone was stolen and the variety of fraudulent charges the thief made using the card. 

I have a document of the findings from the police investigation, concluding the thief attempted to use many cards at XXXX XXXX, but only the XXXX charge went through and was not deemed fraudulent. All of the charges made using my accounts with other institutions did not post or were deemed fraud ( including XXXX XXXX XXXX, XXXX XXXX, XXXX ). 

Also, I had to replace my stolen phone, please see the attached documents of the claim and payment with XXXX. 

I have called Sofi many times to get a resolution on this issue. Most of the time, I was told that the dispute was being worked on, but then I would receive a denial without any follow up or request for additional information. When information was provided, it was usually very difficult to access since the links would not lead to the actual document. I had to call many times and demand to be transferred multiple times to get any bit of information.

Sofi continues to deny my dispute despite the evidence of the police report and stolen phone claim that prove my phone was stolen and the thief used it to make fraudulent charges on my Sofi account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Owed : {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX 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  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Received a text from ( XXXX ) XXXX. 

Hi ( NAME )! XXXX made paying your Milestone Mastercard Account bill even easier. Check your text messages for a link that takes you to our secure XXXX payment portal. If youve saved a payment method, just reply with the code to pay the minimum amount due. We are excited to provide you with easier ways to make a payment. Reply STOP to unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I received several emails from Capital One indicating that my name and Social Security number had been changed on my account. Alarmed, I immediately went to a Capital One branch, where I was informed that my account was now under a different name and SSNchanges I never authorized. 

I filed a formal complaint with the CFPB on XX/XX/year>. Although the bank offered a partial resolution, serious consequences have since occurred : A credit card account that does not belong to me was reported as overdue, which significantly damaged my XXXX XXXX. 

I received a XXXX form listing income from accounts I do not own or recognize. 

I was mailed a check belonging to the individual who had unauthorized access to my account. 

Despite taking prompt action, this situation has caused me significant stress, time lost, and damage to my financial standing. Capital One failed to prevent this security breach, did not adequately protect my personal information, and has not resolved the aftermath in a timely or responsible manner. 
Therefore, I am requesting the following : Immediate correction of my credit report to remove the fraudulent account and overdue status. 

Removal and correction of the inaccurate XXXX form and any other IRS-related discrepancies XXXX 

A full investigation into how this breach occurred, and a written confirmation that my account has been restored and secured properly. 

XXXX compensation in the amount of {$XXXX} for the emotional distress, damage to my creditworthiness, time spent resolving this issue, and the mishandling of my private financial information.

Company response to consumer: Closed with explanation