vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 30 days now, and I have received no response at all. I sent the first notice on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains 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 non-monetary relief
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, and Equifax 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 Experian, and Equifaxs inaction violates federal law and my rights as a consumer. I would also like to consider trans union as I believe they have followed suit

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 2025-03-08 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: IL

Complaint narrative:
I recently reviewed my XXXX credit report XX/XX/year> and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Im just going to go ahead and say this. Lexington Law is unbelievable! They are nothing but a bunch of takers who take your money. I was the latest victim of this scam. See I need my money refunded back to me and I need to get this refunded to me almost immediately! I will never use this company to get my credit score fixed again because they dont do nothing except to sit down and they dont do nothing for people. In this case I want them to refund me my money that invested into the company for the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-03-08 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number - XXXX _________________________________________________________ INQUIRIES XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Miscellaneous Finance XX/XX/year> 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

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

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

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a new credit card for the sole purpose of BALANCE TRANSFER. The new card that I opened is with Citi. I used XXXX XXXX as the platform to submit my application through the Citi ad that they offer. The card is called, the Citi XXXX XXXX XXXX. It's supposed to facilitate a 15 or 18 month term with XXXX interest. Citi ran my credit with a hard pull. Citi charged me an up front fee of hundreds of dollars for the transfer that they never did. Moreover, after nearly 3 ( three ) weeks, they have not paid my other credit card that is with XXXX XXXX as of yet. I called them multiple times and they advised me on two previous calls last week that it takes 14 ( fourteen ) days meanwhile that period of time passed two days ago on XX/XX/year>. I just called them again and suddenly they can not seem to vet me and said that they can't give me any information on my account. They asked me for my banking information with other lenders in an effort to vet me??? I fell as if I'm being hacked and yet, I'm holding my Citi XXXX XXXX XXXX??? I want my up front fee that they charged me to be refunded in full. I want them to remove the hard pull from my credit file as it appears that it was done without intent of delivering the product that Citi offered in their written ad. I want the interest payment that I just paid on my XXXX XXXX card credited to my new Citi card. Please advise.

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 2025-03-08 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: NC

Complaint narrative:
Subject : Failure to Investigate and Respond to Identity Theft Dispute within Required Timeframe Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian, and TransUnion for fa

iling to investigate and respond to my identity theft dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Details of My Complaint : 1. I was a victim of the Equifax
data breach, which exposed my personal information. 
2. As a result, I became a victim of identity theft, and fraudulent accounts have appeared on my credit report. 
XXXX. On [ XX/XX/year> ], I submitted disputes to Equifax, Experian, and TransUnion, requesting that they remove fraudulent accounts from my credit file under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

4. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the credit bureaus are required to investigate and respond to disputes within 30 days. However, more than 30 days have passed, and I have not received a response from any of the three bureaus.

Violations of Consumer Protection Laws : Failure to investigate and correct fraudulent information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Failure to block fraudulent accounts after being notified of identity theft ( FCRA 1681c-2 ( a ) ).

Failure to fulfill their obligation to ensure accuracy in consumer reports ( FCRA 1681e ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Subject : Failure to Investigate and Respond to Identity Theft Dispute within Required Timeframe Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian, and TransUnion for fa

iling to investigate and respond to my identity theft dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Details of My Complaint : 1. I was a victim of the Equifax
data breach, which exposed my personal information. 
2. As a result, I became a victim of identity theft, and fraudulent accounts have appeared on my credit report. 
XXXX. On [ XX/XX/year> ], I submitted disputes to Equifax, Experian, and TransUnion, requesting that they remove fraudulent accounts from my credit file under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

4. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the credit bureaus are required to investigate and respond to disputes within 30 days. However, more than 30 days have passed, and I have not received a response from any of the three bureaus.

Violations of Consumer Protection Laws : Failure to investigate and correct fraudulent information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Failure to block fraudulent accounts after being notified of identity theft ( FCRA 1681c-2 ( a ) ).

Failure to fulfill their obligation to ensure accuracy in consumer reports ( FCRA 1681e ( b ) ).

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 2025-03-08 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: IL

Complaint narrative:
I am filing this complaint against Experian for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Experian has failed to remove fraudulent accounts and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : 1. Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Experian must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : * XXXX XXXX  Account # : XXXX - XXXX : {$1700.00}, Opened : XXXX XXXX. Re-Insertion of Fraudulent Account in Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Experian has unlawfully re-inserted a previously removed fraudulent account without following the proper certification process or notifying me as required by law : * XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$800.00}, Opened : XXXX This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit.

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 2025-03-08 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: PA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed out in XXXX of XXXX XXXX have not received the money from the closing of my account. For 3 months capital one said they sent the check but I never received. The second time I called they told me someone cashed the check and I would receive another one but I have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2025-03-08 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:
There has been an incorrect information on my report which is a collection that i do not know anything about, kindly review this and remove as soon as possible because it is unfair to supply false and inaccurate information on consumer profile, please remove this as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
There has been an incorrect information on my report which is a collection that i do not know anything about, kindly review this and remove as soon as possible because it is unfair to supply false and inaccurate information on consumer profile, please remove this as soon as possible. 

XXXX 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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax, Transunion, and Experian are reporting unauthorized inquiries on my credit profile.

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 2025-03-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX Fraudulent purchase of {$1600.00} for XXXX appeared on my online Synchrony XXXX XXXX. Called them immediately to report fraudulent activity. Simultaneously, after online shopping, my email account was hacked. 
XX/XX/XXXX Received digital letter from Synchrony bank stating that I was responsible for the purchase because I Authorized, participated in or benefited from the purchase. 
XX/XX/XXXX Re-opened claim with Synchrony Bank denying that I made this charge. XXXX XXXX XXXX XXXX XXXX to file a police report. Report # XXXX. 
XX/XX/XXXX Received digital letter from Synchrony bank stating my claim review was denied again. Charged back {$1600.00} on my credit card. Contacted Synchrony bank again and asked copies of all evidence they have to prove I made this charge. Told I couldnt reopen the claim until 10 days after requesting the evidence. I never received the evidence from Synchrony bank. 
XX/XX/XXXX Faxed the Fraud Investigation Form they had requested. 11 total pages of my evidence faxed. 
XX/XX/XXXX Called again and reopened the fraud claim. 
XX/XX/XXXX Received email from Synchrony bank stating my claim was denied again

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 2025-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed my credit report was reporting wrong and had a bunch of inaccuracies and unverifiable items. I reached out with a letter that I had certified made copies placed my drivers license and Social Security card on the forms photo copied them and sent them in a certified letter they said the address wasnt theirs Then the other one experience said that I didnt give them enough information when clearly I had my drivers license, my Social Security card and my credit report seeing how Equifax had a major data breach and experience is being sued at this present time I would like these items deleted off of my credit report permanently They violated the laws placed by fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed my credit report was reporting wrong and had a bunch of inaccuracies and unverifiable items. I reached out with a letter that I had certified made copies placed my drivers license and Social Security card on the forms photo copied them and sent them in a certified letter they said the address wasnt theirs Then the other one experience said that I didnt give them enough information when clearly I had my drivers license, my Social Security card and my credit report seeing how Equifax had a major data breach and experience is being sued at this present time I would like these items deleted off of my credit report permanently They violated the laws placed by fcra

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