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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Inquired on my credit report I have not giving written consent to report on 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: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Please Update my address on file

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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Opened an account also funded my account with {$350.00} u.s. dollars and also deposited a check which they immediately placed my account on restriction and never released my funds after the fifth day of their hold period. In-which none of my funds has been released 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 2025-02-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company reported on my credit report that I do not recognize that i've never done business with also states amount large sums of money that says I owe them never done. Business with them never signed any documents.Never agreed anything with them always harassing me

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 information incorrect
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX SUBJECT : INACCURATE CREDIT PROFILE INFORMATION EXETER FINANCE , LLC . 

To Whom It May Concern : I just reviewed a detailed copy of my credit report and noticed several inaccurate items being reported. An inaccurate account is being reported on my credit profile under the " Account History '' section, and my rights to report fair and accurate credit are being violated. Payment status is Charged Off/Profit Write Off ; however, I have not received a 1099 tax form from this company for said account.

The specific inaccuracies include, but are not limited to : 1. Incorrect Dates : The dates associated with this account are inaccurate.

2. Incorrect Balances : The reported balances do not match my records.

3. Incorrect Payment Status : The payment status is reported inaccurately.

4. Incorrect Past Due Amounts : The past due amounts listed are incorrect.

5. Failure to Provide 1099 for Write-Off : I did not receive a 1099 form for the alleged write-off, which is a legal requirement. These discrepancies are a violation of my rights under the FCRA, which requires that all information reported to credit bureaus be accurate, complete, and verifiable.

Additionally, the failure to provide a 1099 form for the write-off raises concerns about the legality of the reporting. To diminish any speculation of my identity, I have enclosed a copy of my current personal vital and demographic documents, updated/detailed credit report, and to make it easy to correct inaccuracies. Please correct these issues and follow up with me as soon as possible. Thirty ( 30 ) calendar days should be enough time to correct the inaccuracies from my profile, but if you can update me sooner, that would be better. There are 3 ( three ) items listed below : EXETER FINANCE : Account : XXXX -1099 Form Not provided for the charge-off/profit and loss write-off/collection -All reporting dates are reporting inaccurate and on different dates ( open, last reported, last active ) from agencies. 
- All reporting account statuses are inaccurate and reporting different dates from agencies. 
-The number of reported months ( term ), are inaccurate and reporting different information - Comments/Customer Resolution information is inaccurate, and incomplete and different resolutions. 

Very Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
This company calls me from many different phone numbers that are unmarked ( no caller ID ) but when I look them up, it all belongs to the same company. It has the locations of the number, and usually its different states. They call me everyday, every morning a few times a day. I have to put my phone on do not disturb mode, thats how often they call me. And since I put it on DND, I miss phone calls from my family and friends. Its starting to effect my life to the point where I barely look at my phone anymore.

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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/year>2025, I closed my account with XXXX XXXX XXXX  and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing. 

To my dismay, I recently discovered that XXXX XXXX XXXX  has reported my account to XXXX and Experian as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/scrub>/2025, I closed my account with XXXX XXXX XXXX  and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing. 

To my dismay, I recently discovered that XXXX XXXX XXXX  has reported my account to TransUnion and XXXX as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, Equifax and Experian reporting XXXX XXXX {$6600.00} fraud account need to be removed. 

Transunion, Equifax and Experian reporting XXXX ( XXXX XXXX XXXX XXXX ) fraud account need to be removed. 

Transunion reporting XXXX XXXX XXXX XXXX {$18000.00} fraud account need to be removed. 

Experian reporting XXXX XXXX  {$9700.00} and XXXX XXXX  XXXX fraud acounts need be removed.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Transunion, Equifax and Experian reporting XXXX XXXX {$6600.00} fraud account need to be removed. 

Transunion, Equifax and Experian reporting XXXX ( XXXX XXXX XXXX XXXX ) fraud account need to be removed. 

Transunion reporting XXXX XXXX XXXX XXXX {$18000.00} fraud account need to be removed. 

Experian reporting XXXX XXXX  {$9700.00} and XXXX XXXX  XXXX fraud acounts need be removed.

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: 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as this inaction violates federal law and my rights 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as this inaction violates federal law and my rights as a consumer.

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: CA

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. Due to the Equifax data breach my information leaked and used improperly I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.z

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. Due to the Equifax data breach my information leaked and used improperly I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.z

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. Due to the Equifax data breach my information leaked and used improperly I submitted a block and delete request to [ CRA Name ] under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.z

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: GA

Complaint narrative:
My personal and financial information was compromised in XXXX of 2025 without my authorization. The family education rights and privacy act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX of 2024, XXXX XXXX XXXX was supposed to repair my machine and gave me an invoice for {$1300.00}. After they continued to cancel appointments, I called Comenity bank and told them the company was a fraud. They told me no charges had been made on my card and there was nothing they could do until charges were made. When I called back {$1500.00} had been charged on my card and they could not explain except that is what the merchant charged. This began a barrage of phone calls and letter writing because the only people I could speak to were customer care teams, who continued to give me conflicting information regarding the status of the case. XXXX XXXX sent me a letter in XXXX saying the case was closed on XXXX, XXXX. On XX/XX/year>, I received two different letters from two different XXXX XXXX XXXX stating they were still investigating the case. I have talked to over 15 different people at different times, each one giving me conflicting information. I wrote three letters to customer care, two letters to XXXX XXXX, and three certified letters to XXXX XXXX, XXXX. Their constant response has been they talked to the merchant and their findings have not change since the letter they sent me on XX/XX/year>, which I never received. Bread Financial and Comenity Bank have over 300 Complaints against them. Every one of them are similar to mine. They seem to think that because they are such a large corporation, they can afford to ignore the numerous complaints their cardholders are making. Please do something about these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I want to start off by staying I pressured into buying this car from a salemans in XXXX with an interest rate of 23 %. He stated he NEEDED me to buy this car to hit his monthly sales and insisted until I finally gave in. The dealership is called XXXX XXXX in XXXX XXXX. 
I had a baby in XXXX of XXXX and have had some financial burdens with the car since then. I had to get XXXX month 's payment diverted to the back of the loan in XXXX and then again in XXXX due to being on short term XXXX for the delivery. 
I have reached out to Capital One to see about lowering the interest rate to help be able to afford the payment. However, they stated that this is not an option or anything that they do. 
I also can not refinance with a different company due to being so upside down on the vehicle. The vehicle has depreciated XXXX dollars since the purchase XXXX years ago. I just need help lowering the payment since having my baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report that I have found to be inaccurate. After conducting my own investigation, I discovered numerous fraudulent accounts listed under my name, which I did not authorize or open. 
Under 15 U.S. Code 1681e ( b ), a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, in accordance with 15 U.S. Code 1681i, if an investigation reveals that any disputed information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete such information from my credit report. 
Furthermore, according to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block any information that the consumer identifies as a result of identity theft. I formally identify the following fraudulent accounts on my report as resulting from identity theft : [ List the fraudulent accounts, including any relevant details such as account numbers or creditors. 
1. Global Lending Services Acct # unknown Balance {$11000.00} XXXX. XXXX XXXX XXXX Acct # XXXX XXXX {$580.00} I request that you conduct a thorough reinvestigation of these items and block the reporting of this fraudulent information promptly, as required by law. Attached are copies of my identity theft report and any relevant documentation that supports my claims. 
Thank you for your immediate attention to this matter. I look forward to receiving your confirmation that these inaccurate and fraudulent items have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation