vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 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 2025-03-11 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: FL

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 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 non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
filing a complaint against equifax, after contacting them several times due to their failure to report to properly investigate my disputes. They constantly respond saying that the account is accurate Without providing evidence, This violates the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-11 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Company charging a returned check fee and stop payment fee when funds are available and both fees cant be charged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I was encouraged to apply for a credit card at XXXX in XXXX for the sole purpose of receiving a discount on my purchase that day. Unfortunately, I was not made aware that my purchase amount would be charged to the credit card ; I was simply informed that applying would grant me a discount. In the past, I have held a credit card and consistently paid it off promptly without any issues. However, this time has been fraught with challenges from the very beginning, particularly with accessing my account. 

Since I purchased the card in XXXX, I have been calling often seeking assistance, but I have not received the correct person or any meaningful help. I was able to a payment in XXXX, but before and since then, I have faced ongoing issues. Each time I reach out, I am met with an automated message, and it wasn't until I spoke with XXXX representatives in person that I was advised to contact Community Bank directly. I have made countless calls seeking help, only to be given the runaround, spending multiple hours in the process. I was informed that online payment capabilities were " just set up yesterday, '' despite the fact that I successfully made a {$70.00} payment through the app back in XXXX, indicating that the system was operational well before that date. I know they record their calls so you can hear them state that and hear my cry for help. 

I have detailed my attempts to make payments but have faced consistent obstacles. When I call the number provided in the pamphlet I received, I am prompted to enter my social security number, and upon doing so, I am told I have a zero-dollar balance. This has resulted in hours of frustration during my workday, as I explain my inability to pay online or over the phone, only to be told that I must pay the full amount immediately. They claim I do not have an XXXX account, even though I have screenshots and have saved my password on my XXXX, which requires me to reset it every time I try to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MA

Complaint narrative:
I paid my collection in settlement true accord recognizes settlement while affirm doesn't and affirm shows balance as past due and not current on credit reports affecting my chances of finding or buying housing.

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 2025-03-11 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-03-11 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to request a thorough investigation into the failure of Equifax and Experian to handle my disputes in compliance with the Fair Credit Reporting Act ( FCRA ). Their actionsor lack thereofhave directly harmed my financial well-being and ability to access credit fairly.

Recently, the CFPB filed a lawsuit against Experian and Equifax for failing to conduct proper investigations into consumer disputes, engaging in " sham investigations, '' and other unlawful practices. Specifically, these credit bureaus have been accused of : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about the results of investigations effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my disputes have been mishandled in a similar manner. 

Details of My Disputes I submitted multiple disputes to Equifax prior to the CFPB lawsuit. Specifically : On XX/XX/year>, I submitted disputes with confirmation numbers XXXX and XXXX. 
On XX/XX/year>, I submitted another dispute with confirmation number XXXX. 
Despite providing clear documentation pointing out the inaccuracies, the disputed information has remained on my report with no valid justification. 

Similarly, I submitted disputes with Experian around the same timeframe. However, I have been unable to access the dispute center without being forced to pay for a {$30.00} subscription. This paywall is an unfair and unreasonable barrier to resolving credit inaccuracies, leaving me without access to my dispute records and unable to verify if my concerns were even addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
This CFPB Complaint has been filed to Request, persuadant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that the EQUIFAX & TRANSUNION Credit Reporting Agency , within 5 business days of you receiving this complaint to block and removed the information appearing on my Consumer Credit Report that is the result of identity theft and fraud. the actions I have taken have been to request that these Fraudulent accounts be removed from my Consumer Credit Report within 5 business days.

This fraudulent, inaccurate, and false information consists of 5 ACCOUNT, the aforementioned : Auto loan account open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amounting in {$1900.00} A personal credit card opened at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, amounting in {$10000.00} A personal credit card opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX amounting in {$3400.00} A personal credit card opened at XXXX XXXX XXXX, XXXX on XXXX, XXXX, XXXX amounting in {$13000.00} A personal loan opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX amounting in {$25000.00} These accounts have resulted in several fraudulent collections appearing on my EQUIFAX AND TRANSUNION Consumer FICO Credit Report.

I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, collections, appearing on my Consumer Credit Report maintained by you were not open, made, or initiated by me.

All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2025-03-11 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: FL

Complaint narrative:
I have repeatedly disputed inaccurate information on my credit report with Experian, TransUnion, and multiple creditors. Despite multiple formal dispute letters sent via certified mail, I have not received any responses, corrections, or verification of the reported debts. 

I initially submitted disputes to Experian and TransUnion on XX/XX/XXXX, outlining multiple inaccuracies regarding my personal information and several credit accounts. 
After receiving no response, I sent another dispute to Experian and TransUnion on XX/XX/XXXX. 
Debt Validation Requests by Assignment were sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX. 
After no response, I issued a Notice of Default and Opportunity to Cure to them on XX/XX/XXXX. 
I sent a final notice on XX/XX/XXXX, again demanding validation or removal of the incorrect information. 
Despite these repeated efforts, the companies have failed to respond or provide proper validation, which is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .Disputed Accounts and Issues : 1. Personal Information Errors ( Experian & TransUnion ) My current and previous addresses are incorrectly reported. 
My employer information is inaccurate. 
The credit bureaus have failed to correct these inaccuracies despite clear proof provided. 
2. Credit Account Discrepancies XXXX XXXX XXXX Account # : XXXX Balance, high credit limit, and reporting errors persist despite requests for validation. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # s : XXXX, XXXX Incorrect balances, dates, and past due status reported. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX Account # s : XXXX, XXXX Misreported balances, incorrect credit limits, and erroneous account details. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXXViolations and Legal Concerns : Failure to Provide Debt Validation Under 15 U.S. Code 1692g, debt collectors must provide validation upon request. The lack of response constitutes a violation of FDCPA. 
Failure to Investigate & Correct Errors Under FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate and correct inaccuracies within 30 days. Experian and TransUnion have failed to do so. 
Failure to Cease Collection Activity Without Validation Under the Florida Consumer Collection Practices Act ( FCCPA ), debt collectors must cease collection efforts until a dispute is resolved. 
Possible Unauthorized Reporting & Violation of IRS 1099-C Requirements If the debts have been charged off and qualify as canceled, creditors are required to issue a 1099-C Cancellation of Debt Form, which has not been 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have repeatedly disputed inaccurate information on my credit report with XXXX, XXXX, and multiple creditors. Despite multiple formal dispute letters sent via certified mail, I have not received any responses, corrections, or verification of the reported debts. 

I initially submitted disputes to XXXX and XXXX on XX/XX/XXXX, outlining multiple inaccuracies regarding my personal information and several credit accounts. 
After receiving no response, I sent another dispute to XXXX and XXXX on XX/XX/XXXX. 
Debt Validation Requests by Assignment were sent to XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXXXX/XX/XXXX. 
After no response, I issued a Notice of Default and Opportunity to Cure to them on XX/XX/XXXX. 
I sent a final notice on XX/XX/XXXX, again demanding validation or removal of the incorrect information. 
Despite these repeated efforts, the companies have failed to respond or provide proper validation, which is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .Disputed Accounts and Issues : XXXX. Personal Information Errors ( XXXX & XXXX ) My current and previous addresses are incorrectly reported. 
My employer information is inaccurate. 
The credit bureaus have failed to correct these inaccuracies despite clear proof provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance, high credit limit, and reporting errors persist despite requests for validation. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bank of America Account # XXXX : XXXX, XXXX Incorrect balances, dates, and past due status reported. 
Dispute dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misreported balances, incorrect credit limits, and erroneous account details. 
Dispute dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Legal Concerns : Failure to Provide Debt Validation Under 15 U.S. Code 1692g, debt collectors must provide validation upon request. The lack of response constitutes a violation of FDCPA.

Failure to Investigate & Correct Errors Under FCRA ( 15 U.S.C. XXXX ), credit reporting agencies are required to investigate and correct inaccuracies within 30 days. XXXX and XXXX have failed to do so. 
Failure to Cease Collection Activity Without Validation Under the Florida Consumer Collection Practices Act ( FCCPA ), debt collectors must cease collection efforts until a dispute is resolved.

Possible Unauthorized Reporting & Violation of IRS 1099-C Requirements If the debts have been charged off and qualify as canceled, creditors are required to issue a 1099-C Cancellation of Debt Form, which has not been 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It looks like the late payments reported on this account are incorrect and dont reflect the actual payment history. After reviewing everything, it's clear that all payments were made on time, as agreed, without any issues.

Company response to consumer: Closed with non-monetary relief