vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed bankruptcy that has been discharged since XXXX> and I have contacted transunion, Equifax and Experian since 2022 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately I did not authorize my personal information to be reporting

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed bankruptcy that has been discharged since XXXX> and I have contacted transunion, Equifax and Experian since 2022 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately I did not authorize my personal information to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-08 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: IN

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I found an unauthorized charge and opened an online dispute, I was immediatly given credit for the {$72.00} charge, however I was not given credit for the associated {$22.00} cash advance fee. I chatted with an agent online and they said they could not fix it and gave me an email address to send a request to. I sent the request and have not heard anything.

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 monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected errors appeared. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Because of this issue, I request that the documents I provided be carefully reviewed so I can put this concern to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear CFPB, I recently came across the CFPBs lawsuit against Equifax and believe I was directly harmed by their deceptive practices. Despite repeatedly submitting my drivers license, Social Security card, and a utility bill to verify my identity, Equifax kept stalling, claiming they couldnt verify me. Meanwhile, they fraudulently verified disputed accounts without providing any proof, severely damaging my credit.

I have received multiple denials of credit based on Equifaxs inaccurate reporting, yet my earlier disputes were dismissed without proper investigation. Their actions violate the Fair Credit Reporting Act ( FCRA ) and mirror the very misconduct highlighted in the CFPBs case against them. 

I demand that the CFPB take action against Equifax and ensure they : Provide a detailed explanation of how they " verified '' my disputed accounts. 
Produce any documentation used to verify these accounts. 
Conduct a legitimate reinvestigation as required by law.

Permanently remove all inaccurate and unverifiable accounts from my credit report.

Equifaxs fraudulent tactics have caused me financial harm, and I urge the CFPB to hold them accountable. I appreciate your attention to this serious matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint Against Experian for Failure to Investigate and Respond to Credit Dispute I am filing a formal complaint against Experian for its continued failure to properly investigate and respond to my disputes regarding an alleged medical debt from XXXX XXXX XXXX. Despite multiple disputes submitted over the past year, including documentation directly from the data furnisher, Experian has refused to take appropriate action. 

Summary of Events : Over the past XXXX months, I have submitted multiple disputes to Experian requesting verification of the validity of a medical debt allegedly placed by XXXX XXXX XXXX. 
I provided supporting documentation from the data furnisher itself, demonstrating errors in the reporting. 
Experian has failed to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ), and has ignored my requests for clarification. 
Despite my repeated efforts, Experian has either failed to respond or has provided vague, automated responses without a proper reinvestigation. 

Violations of Consumer Rights : Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and provide a response within 30 days. Experian has failed to meet this obligation.

Under 15 U.S. Code 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. Their failure to investigate properly calls into question their compliance with this requirement. 
The refusal to respond despite receiving direct evidence from the data furnisher constitutes willful noncompliance, making them potentially liable under 15 U.S. Code 1681n.

Relief Sought : A full and proper investigation into the disputed medical debt. 
Removal of the alleged debt from my credit report due to XXXX failure to verify its accuracy. 
A detailed explanation of the procedures used in their previous investigations. 
Compliance with the FCRA in all future disputes. 

I am submitting this complaint because XXXX inaction has caused financial harm by negatively affecting my credit profile. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure compliance with federal law.

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 2025-02-08 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Experian keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692 , 15 USC 1692c , and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity XXXX. ) XXXX XXXX XXXX [ XXXX ] -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : 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/XXXX Experian

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX i got notified that chase was closing all my accounts including credit cards. They would not give a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It was in 2001 and those charges were not mine and the wrong birthdate on that information so its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 These accounts has violated my rights. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 Use 168115 they are suppose to do this ( XXXX ) reatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WAFD BANK
State: OR

Complaint narrative:
In XX/XX/year>, I scrutinized my bank statements and found XXXX instances of an {$11.00} monthly charge for XXXXXXXX XXXX that I did not authorize. On a XXXX XXXX XXXX, call with XXXX at XXXX XXXX XXXX confirmed that it was an erroneous charge to my account, and that the email they had listed on the account did not match my email. XXXX said it was likely an error, and not someone stealing my identity, since it was just this XXXX monthly charge. XXXX assigned it a XXXX ID of XXXX XXXX. XXXX told me to call my bank to have them fix the error. I did, and on XX/XX/year>, my bank, WaFd, confirmed an error had occurred, but the bank only reversed XXXX of the monthly charges. It said it was unable to recover any further funds and would not reverse the other XXXX  monthly charges due to " untimely notice of error. '' So, I've been deprived of {$110.00}. 

I called XXXXXXXX XXXX again on XXXX XXXX and spoke to XXXX at XXXX XXXX. to ask that I get the other months of erroneous payments returned to me. He said he was escalating it to the supervisor team, which would email me. XXXX days later, on XXXX XXXX, they emailed me and declined to help, and again told me to reach out to my bank. In this email, my case number was # XXXX. I did not reach out to the bank a second time, having already been told they would not be doing anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was initially approved for a SYNCHRONY BANK Care Credit account with a {$1200.00} line of credit available. During a medical emergency I used the entire balance, which I immediately brought down to around {$700.00} with my first payment. After this payment, Care Credit informed me they were now lowering my credit limit TO my balance, effectively destroying my XXXX  ratio and credit score. For the last XXXX months I have diligently paid more than the minimum amount due each month, only to once again today be told my limit was again being lowered to my balance, now {$360.00}. I just made a substantially large payment and again, Care Credit has responded with fraudulent retaliation in the form of completely ruining my credit score. I will not be making ANY further payments to this account and will let it default completely if predatory SYNCHRONY BANK doesn't stop this absolutely sick game for no warranted or justified reason.

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 2025-02-08 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:
I am attached FTC report containing XXXX fraudulent accounts as well as fraudulent inquiries that I notice on my credit reports.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Avant reported my card late in XX/XX/year> due to their error .. they finally agreed to fix it and remove late reporting! yet it now again shows as late on my XXXX remove late reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: LA

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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked Experian and equinox to remove none mailable address from my credit report and the refuse stating the original creditor is reporting the address however I do not resigned at the addresses listed nor would I be able to receive mail. For accuracy I would like all my address updated correctly

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