vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I XXXX XXXX XXXX have been serving time in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  since XXXX. XXXX due to discharge in a couple of months, I reviewed my consumer report where I seen I had been a victim of Identity theft. Where there had been three accounts opened up under my name using my personal information with Capital one Bank N.A. EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance of XXXX, XXXX Account ending # XXXX. At no time have I authorized any one to open these Accounts where I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Was used by the perpetrator to open these Accounts under my name. And to prove that I did not open these Accounts is a letter from XXXX XXXX  checking ending in XXXX, XXXX Which shows was the moving force of payments made on these Accounts. That shows by XXXX XXXX  I was a victim of Identity theft, I didnt open these Accounts, was opened up that I had no knowledge of, which shows that these Accounts was due to identity theft where the balances are over the credit limit. Which shows that i could not have opened these Accounts while in the custody of the XXXX XXXX XXXX XXXXXXXX. I did not open these Accounts, at this time I ask that Capital one bank clear my name from these fraudulent accounts where they know that I have been XXXX since XXXX, is impossible to have opened them, the letter from XXXX XXXX  clears my name, Capital One is reporting Inaccurate information about me to the credit Bureaus about me. Or I will have no other Reason then to take legal actions against this company to clear my name in XXXX XXXX court in the XXXX XXXX in Oklahoma. I have attached ap copy of letter from XXXX XXXX  clearing me in checking Accounts opened in my name ending in # XXXX, # XXXX, copy of my Is consolidated prison record card, My XXXX XXXX XXXX XXXX identification card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
Since XX/XX/year> I have tried to get Cash App to transfer my funds from my old account to my current account and they have not being able to do so. I have verified my self multiple times online and through the Cash App account and they are still not able to transfer my funds. When I myself tried to access my old account I receive the message that my account was not active. I have being dealing with this issues for a while now and I need my funds transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am requesting that all of the fraudulent accounts listed below be permanently deleted from my credit reports with TransUnion, Experian, and Equifax in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Sections 605B and 611 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , I am requesting : Written confirmation from each credit bureau that these accounts have been removed. 

That each credit bureau notify the furnishers of the deletion. 

That a corrected copy of my credit report be mailed to me. 

That no further collections or reporting activity related to these accounts occur. 

I am also requesting that the CFPB ensure the credit bureaus are held accountable for their delay in handling this identity theft claim and failure to comply in a timely manner with the documentation I already provided.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 account listed without my expressed written consent.

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 2025-04-18 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: CA

Complaint narrative:
I requested a block of information due to indetity theft and how the account on my federal trade commison report for ndeity theft indicate i was mailed from all three credit bureaus a request for information my ID A oicture of my social securtiy the address of my last past two years to continue wth my block of infomraiton requets i now am submitting all the ifnormation requested to continue my blcok fo infomation under 605 B of the credit fair reproting act.

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 2025-04-18 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: FL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have found on my credit report fraudulent hard inquiries, they are XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX VENDOR F XX/XX/XXXX | XXXX XXXX  XX/XX/XXXX | XXXX XXXX VENDOR F XX/XX/XXXX | CERTIFIED CREDIT REP XX/XX/XXXX | CERTIFIED CREDIT REP XX/XX/XXXX. Please remove them from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Transunion 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Request for Validation and Assignments of Debt Account Number : XXXX XXXX Account number XXXX This letter is a formal request for validation and verification of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed contract or agreement under which the debt arose. 
XXXX. A complete chain of assignment from the original creditor to your agency, including : - Copies of all documents that show the transfer or assignment of this debt. 
- Dates of each assignment. 
- Names and contact information of each prior holder. 
XXXX. The amount of the debt, with a breakdown of principal, interest, fees, and other charges. 
XXXX. Proof that you are licensed to collect debts in my state, including your license number and issuing agency. 

Be advised that until this information is provided, you must cease all collection activity as required under 15 U.S.C. 1692g ( b ). 

Please note, I am not acknowledging that this debt is valid. I am simply requesting that you provide full validation before I consider any further 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 2025-04-18 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
The following accounts are not mine and are do to identity theft and did not have permission to access my person information : Account Name : 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

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 2025-04-18 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: DC

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX. 

Thanks, Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$2500.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX  Account XXXX XXXX name : XXXX XXXX  Account XXXX XXXX name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX name : XXXX Account XXXX XXXX name : XXXX  Account Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have credit cards on my account thats not mines someone open account in my name and I try to tell them it wasnt mine and I deputed them and they wont remove the please my score wont go up something somebody else do, so I decided to a security lock on my credit but I cant do until I have all this stuff off of my credit please help in doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
As of today the annual credit report gave me some concerning issue, of my report cause of following approved XXXX XXXX  XXXX, approve car loan state side XXXX and XXXX personal credit and loan since XXXX. Its my rights to obtain such record, why is Equifax denying me of those information : verification is signature and area of residency and others. Which also give me an opportunity to dispute to those company directly or they would provide me because of there XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I requested a block of information from all three credit bureaus transunion XXXX and XXXX am now turning in all reuqeste dinformation for my block of infomration request to be granted under 605B of the credit fair rporting act i need it removed wihtin 7 days of recipet date due to law also the birthdays on the credit card appplications dont even macth my brithdate on my ID state ID

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 2025-04-18 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: LA

Complaint narrative:
Reporting a bankruptcy on my consumer report and according to 15 USC code 161b that should not be so plus the furnisher doesnt share this information via third parties such as XXXX XXXX, Equifax , Experian or Transunion .

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 2025-04-18 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: LA

Complaint narrative:
Reporting a bankruptcy on my consumer report and according to 15 USC code 161b that should not be so plus the furnisher doesnt share this information via third parties such as XXXX XXXX, Equifax , Experian or Transunion .

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report the following inquires are fraud and not mines. 

Transunion 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 XXXXXX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief