vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
someone has stolen my identity, opened a credit account using my social security number, maxed out the credit limit, and stopped payments on credit line.

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im a victim of Identity theft and there are accounts on my report that dont belong to me

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 2025-01-09 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:
Im a victim of Identity theft and there are accounts on my report that dont belong to me

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX XXXX XXXX I sent a dispute letter to Transunion to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent paystub with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : Details on how the disputed item was verified. 
The date when Transunion contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
I received a response from Transunion on XXXX XXXX XXXX with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Transunion to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Transunion 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. 
I am including a copy of my dispute letter sent to Transunion along with Transunions response as proof.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: TX

Complaint narrative:
Since XXXX, there have been multiple unauthorized transactions made using my credit card through a Klarna account I did not create or authorize. The fraudulent account appears to be associated with the email address XXXX, which is not my email address. 

The unauthorized charges total {$3600.00}, with transactions occurring on the following dates and amounts ( a full list is attached in the PDF provided ) : Examples : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$63.00} XX/XX/XXXX : {$25.00} XXXX contacted my credit card company, which advised me to address the matter with Klarna directly. Since then, I have contacted Klarna four to five times, providing all relevant details, including transaction dates and amounts. Klarna has repeatedly told me that the issue would be " escalated, '' but no action has been taken, and I have not received any updates or a refund for these unauthorized charges.

I am requesting the following resolutions : Immediate cancellation of the fraudulent Klarna account. 
A refund of the unauthorized charges totaling {$3600.00}. 
Confirmation from Klarna that the issue has been resolved. 
Despite my efforts to resolve this matter directly with Klarna, no progress has been made, and the lack of communication and follow-through has caused significant frustration and financial harm. 

Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-01-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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 2025-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MOHELA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XX/XX/2025 MISSOURI HIGHER EDUCATION LOAN XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dispute of Inaccurate Information on Credit Report ( Section 605B of FCRA ) Dear Sir/Madam, I am writing to formally dispute an item on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information that may appear on my credit report. After reviewing my recent credit report, I have identified an error that I believe needs to be corrected. 
Details of the disputed information : Item Name : MOHELA/ MISSOURI HIGHER EDUCATION LOAN Account Number : XXXX XXXX Disputed Information : DATA BREACH Reason for Dispute : There was a data breach in my credit a few years ago, but I was not knowledgeable of what to do about it, nor did I receive any help. I do not have knowledge of this account. 15 USC 1681b I respectfully request that you investigate this matter in accordance with Section 605B of the Fair Credit Reporting Act, correct the information, and provide me with a copy of the updated credit report once the dispute is resolved. 
Please acknowledge receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. I appreciate your prompt attention to this matter and look forward to resolving this issue. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, NC, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NC XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXTo support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Around XX/XX/XXXX, I paid my Zales Credit Card account ending XXXX off in full. In XX/XX/XXXX I received another statement from Zales Card account ending in XXXX stating I owed an additional {$2.00}. I sent a message through my portal asking for details of why I needed to pay that amount. I waited and never received an email. I sold my home in California in XXXX and moved to my new home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem with with address is there are XXXX addresses at the same mailing address and I also received all of my billing statements online I received an email today XX/XX/XXXX sayign I owe {$280.00}. I have called Zales ComeditXXXX and told them I am willing to pay the extra {$2.00} in interest they said I owed them. The recovery department told me today that they would only settle for the {$280.00} these are all late fees and interest charges. I do not feel that I should have to pay fees for this. I tried to follow the terms and conditions of this contract and paid the account off in full as requested. These fees are just not justified to me. Comedity will not take the {$2.00} and close my account. They said I owe the total amount and will continue to dock this on my credit report. I just want to pay make this right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to to formally dispute the information garnished to my credit report. 
Regarding the XXXX  XXXX account, act number XXXX. this account shows a status of paid, closed with a notation of " {$240.00} written off '' and was last updated in XX/XX/year>. I believe this information is inaccurate an requires immediate correction. 

reasons for dispute inaccuracy of reporting, under fair credit reporting act section 607b, all consumer reporting agencies must ensure the information they report is accurate, the notation {$240.00} written off ' misrepresents the status of my account.as it has been paid in-full Failure to verify section 611 ( a ) IMPACT ON CREDIT WORTHINESS THE CONTINUED REPORTINGOF THIS NAGATIVE INFORMATION AFFECTS MY CREDIT WORTHINESS AND ABILITY TO SECURE FUTURE CREDIT. 
UNDER THE FCRA SECTION 602 a. CONSUMERS HAVE THERIGHT TO A FAIR AND ACCURATE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to to formally dispute the information garnished to my credit report. 
Regarding the XXXX  XXXX account, act number XXXX. this account shows a status of paid, closed with a notation of " {$240.00} written off '' and was last updated in XX/XX/year>. I believe this information is inaccurate an requires immediate correction. 

reasons for dispute inaccuracy of reporting, under fair credit reporting act section 607b, all consumer reporting agencies must ensure the information they report is accurate, the notation {$240.00} written off ' misrepresents the status of my account.as it has been paid in-full Failure to verify section 611 ( a ) IMPACT ON CREDIT WORTHINESS THE CONTINUED REPORTINGOF THIS NAGATIVE INFORMATION AFFECTS MY CREDIT WORTHINESS AND ABILITY TO SECURE FUTURE CREDIT. 
UNDER THE FCRA SECTION 602 a. CONSUMERS HAVE THERIGHT TO A FAIR AND ACCURATE 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 2025-01-09 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: Kikoff Inc.
State: NC

Complaint narrative:
Ive recently noticed a new account added to my credit report that I am not familiar with. With account is Kikoff and Ive never seen or heard of it. I believe this account was opened fraudulently without my knowledge, it has dropped my credit score over XXXX points due to late payments but the account isnt mine. I need this account removed as fast as possible considering it has been dropping my score every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
XXXX  loans were officially discharged in XXXX 2024. XXXX failed to delete tradeline from report after several requests ( verbal, and online disputes ). I have included documentation from the U.S Department of Education.

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 2025-01-09 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MOHELA
State: MI

Complaint narrative:
Student loans were officially discharged in XXXX 2024. Mohela failed to delete tradeline from report after several requests ( verbal, and online disputes ). I have included documentation from the U.S Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I Called XXXX on XX/XX/XXXX ( dispute report # XXXX / CASE XXXX ) I Called XXXX on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I Called Equifax on XX/XX/XXXX ( dispute report # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Personal Information : I requested that all non-mailable addresses and incorrect names/spellings be removed from my report. 

XXXX report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect names XXXX report # XXXX contained : XXXX non-mailable addresses Equifax report # XXXX contained : XXXX non-mailable addresses, XXXX incorrect name I requested all XXXX credit reporting bureaus remove all 3rd Party collections & charge offs ; These would now be considered Certificates of Indebtedness i.e., income and can not be reported. Per IRS Law. 

Equifax report # XXXX also has the incorrect account number for the charge off with the closed account with XXXX XXXX XXXX XXXX 

All XXXX agencies listed above have shared my information for solicitation/promotional purposes in which I did not authorize. In reviewing the reports, I found multiple instances where my information was shared without my consent : XXXX : XXXX  Promotional Inquires Equifax : XXXX Promotional Inquiries XXXX : XXXX Promotional Inquires When speaking with these agencies and advising them that they did not have my permission to share my information ; all responded that these are only soft inquires that did not hurt my credit. 

Sharing my personal information without my permission is a violation of the 1974 Privacy Act, 5 USC 522A ( b ) -Conditions of Disclosure, and 15 USC 6802. In addition, under 15 USC 6802 I have the right to opt o of any sharing of my information, which I have done so.

The inaccuracies regarding account numbers and personal information such as listing non-mailable addresses is a violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief