vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: CT

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$53000.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$48000.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Ive disputed on several occasions all credit card debt this company now holds. My primary concern is the dates opened stated on my credit report by XXXX XXXX XXXX. All of them are not correct. Just the credit cards that I can see. I did not open any accounts in XXXX or XXXX. 
I have had some identity theft concerns due to warnings by apps and companies that help me protect my information of my information being leaked. Im just trying to verify the amounts andThe actual open dates of these cards.

I havent had any luck via dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Consumer Name : XXXX 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 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.

Below is a list of fraudulent, inaccurate, and false information both accounts and inquiries : Account name XXXX XXXX XXXX  Account number. XXXX Date opened. XX/XX/XXXX {$240.00} Account name. XXXX XXXX XXXX Account number. XXXX, XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX {$560.00} Account name. XXXX XXXX XXXX Account number. XXXX Reported balance {$450.00} Date opened. XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Reported balance {$460.00} Date opened XX/XX/XXXX Account name XXXX  Account number XXXX XXXX Reported balance {$240.00} Date opened XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX XXXX Reported Balance {$66.00} Date openedXXXX Inquires : 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  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 explanation
Consumer complaint received 2025-02-19 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:
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 2025-02-19 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: TX

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 2025-02-19 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: CT

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$53000.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$48000.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is 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 2025-02-19 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: IN

Complaint narrative:
I respectfully request that you act without delay to remove the fraudulent accounts from 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 2025-02-19 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: IN

Complaint narrative:
I respectfully request that you act without delay to remove the fraudulent accounts from 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The date of the first delinquency that you have does not match the date that I have. I have under 15 USC1681BE, you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of XXXX of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 formally dispute the 30+ day late payments reported for XXXX and XX/XX/XXXX under 15 U.S.C. 1681s-2 ( a ) ( 1 ) and XXXX XXXX XXXX These entries are inaccurate due to : XXXX. XXXX XXXX XXXX XXXX Deed of Trust XXXX XXXX ( Page XXXX ) : " Payments shall be applied first to interest, then principal, then escrow '' XX/XX/XXXX Statement Shows : XX/XX/XXXX Payment Received XX/XX/XXXX : {$6200.00} XXXX XXXX XXXX XXXX  XXXX  : {$5700.00} ( {$2000.00} principal XXXX  {$3700.00} interest ) Improper Escrow Allocation : {$470.00} XXXX XXXX misapplied {$470.00} to disputed escrow charges rather than XXXX XXXX XXXX XXXX, creating artificial delinquency. This violates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiring proper payment application. 
XXXX. Texas Insurance Code 557.105 Notice Defect The bank : Backdated force-placed insurance to XX/XX/XXXX Sent first notice XX/XX/XXXX ( XXXX  days post-backdate ) Charged {$5600.00} for 184 days of invalid coverage This violates XXXXXXXX XXXX 14-day pre-placement notice requirement, invalidating the escrow charges used to justify payment diversion. 
XXXX. FCRA 623 ( a ) ( 1 ) ( B ) Non-Compliance XXXX XXXX failed to : Note active insurance dispute in credit reporting Conduct reasonable reinvestigation per XX/XX/XXXX XXXX  response Correct misapplication per XX/XX/XXXX FDIC complaint reply Enclosed Documentation : XX/XX/XXXX statement showing {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX denial letter ( FDIC Ref # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX excerpt Demanded Actions : Delete XXXX and XX/XX/XXXX late notations Update account status to " Current '' Provide written confirmation of corrections Per FCRA XXXX, you must complete the investigation within 30 days. Failure to correct will compel CFPB/XXXX  complaints for willful non-compliance under 15 U.S.C. 1681n. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IN

Complaint narrative:
I have noticed multiple accounts opened on my consumer report that I have know knowledge of. Ive noticed these Fraudulently accounts recently. 
I have reached out to both companies asking to provide me with an original Contract or an agreement proving we had business relations they both failed to Validate debt. 

The companies are XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IN

Complaint narrative:
I have noticed multiple accounts opened on my consumer report that I have know knowledge of. Ive noticed these Fraudulently accounts recently. 
I have reached out to both companies asking to provide me with an original Contract or an agreement proving we had business relations they both failed to Validate debt. 

The companies are 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 explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. These accounts were opened without my knowledge or consent, and I request that they be investigated and promptly removed from my credit report.

Below is a list of the fraudulent accounts that I am disputing : 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  I request that you investigate these accounts and take the necessary steps to remove them from my credit report, as they are the result of identity theft or fraud. I have also attached supporting documentation SUCH AS A FTC IDENTITY THEFT REPORT Thank you for your attention to this urgent matter. I look forward to your prompt response.

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 2025-02-19 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: VA

Complaint narrative:
am writing to formally dispute several accounts listed on my credit report, which I believe to be fraudulent. These accounts were opened without my knowledge or consent, and I request that they be investigated and promptly removed from my credit report.

Below is a list of the fraudulent accounts that I am disputing : 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  I request that you investigate these accounts and take the necessary steps to remove them from my credit report, as they are the result of identity theft or fraud. I have also attached supporting documentation SUCH AS A FTC IDENTITY THEFT REPORT Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: AZ

Complaint narrative:
I am filing this complaint due to Volkswagen Credits failure to properly handle my loan payoff and XXXX insurance claim, their dishonest attempt to inflate my vehicle valuation, and their complete lack of responsiveness to customer inquiries. 

I financed a XXXX XXXX XXXX XXXX Premium through VW Credit and purchased XXXX coverage through the loan. After my vehicle was totaled in an accident ( accident was XX/XX/XXXX, totaled XXXX ), Volkswagen Credits mishandling of the settlement process caused months of unnecessary delays, financial burden, and administrative frustration. 

XXXX. Failure to XXXX XXXX XXXX XXXX Volkswagen Credit originally told me they would handle my GAP claim since it was purchased through them. 
Two months later ( XX/XX/XXXX ), I received a letter stating I had to handle the claim myself. 
Upon contacting VW Credit, I discovered that they never filed the claim at all. 
As a result, I have been forced to collect multiple documents from my dealer, insurance provider, and VW Creditdocuments that VW Credit should have submitted themselves. 

2. Misrepresentation of My Vehicles Value My insurance company provided a fair valuation of my totaled vehicle, which was above XXXX value. 
VW Credit rejected the valuation and attempted to extract additional funds from my insurance by falsely claiming my vehicle had a special towing system. 
No such towing package exists on the XXXX XXXX XXXX XXXX. This delayed the settlement process by two months. 

3. Continued Loan Payment Requests After the Car Was Totaled Even after my vehicle was declared a total loss and I signed over the title, VW Credit continued to demand loan payments. 
They failed to process the loan payoff in a timely manner, causing additional financial stress. 
A lienholder should not be demanding payments after the vehicle has been totaled and the title has been transferred. 

4. Lack of Responsiveness Over the past two months, I have repeatedly tried to contact VW Credit via phone, email, and online messages. 
They do not answer their phones or respond to messages. 
As a financial institution, their failure to communicate regarding a loan payoff and XXXX claim is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
In XX/XX/year>, i was told by the property manager that she will send me a report in regard to my deposit balance. Instead, she sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. On XXXX XXXX XXXX  I filed disputes with each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

To date, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus. Under the Fair Credit Reporting Act ( FCRA ), they are required to investigate and provide a response within 30 days, yet they have failed to do so.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, as required by law, along with formal confirmation of these corrections.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally required timeframe. On XXXX XXXX XXXX  I filed disputes with each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

To date, I have not received any formal response, investigation results, or supporting documentation from any of the bureaus. Under the Fair Credit Reporting Act ( FCRA ), they are required to investigate and provide a response within 30 days, yet they have failed to do so.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure the credit bureaus comply with federal regulations. Since they have exceeded the 30-day compliance period, I am demanding the immediate removal of the disputed items from my credit reports, as required by law, along with formal confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
The late payment in question is reported by [ EQUIIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with explanation