vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: WA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Please see supporting documents below pertaining to EQUIFAX DATA BREACH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NC

Complaint narrative:
Hello, I was trying to freeze my credit as someone is using my SS number. My husband and I are cosigning a mortgage for our son. My credit report showed that someone has used or attempted to use my SS number. It was recommended that I go on the 3 major credit bureaus to freeze my credit. I had no problem using XXXX and XXXX. 
I tried to freeze my credit with Experian and have had loads of problem. I think that maybe when I was putting in my SS number I may have hit the wrong key or maybe when I was putting in my password. So I can not seem to correct this. XXXX will not process me now or recognize me so I can not correct the problem. I tried calling many times and it's impossible to get to a human to explain my issue. I have tried for literally 2 days and have gotten nowhere. I would like to be able to freeze my credit so I am no longer vulnerable to fraud. There is literally no way I can accomplish protecting my credit if I can not get through to Experian. Can you help 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 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have maintained ( 3 ) open-end consumer credit plan with Synchrony Bank since XXXX. My account had a 100 % on-time payment history and was enrolled in automatic payments. On XX/XX/XXXX, Synchrony Bank closed my account without any prior notice. 

I only became aware of the closure when I attempted to use the card for an essential purchase and the transaction was unexpectedly declined. I contacted customer service the same day, XX/XX/XXXX and was informed that my account was closed the day prior based on information from a credit reporting agency. However, I was not provided any advance written notice of this adverse action. I was told that I would receive a letter within the next 48 hours which was after the fact. 

The sudden closure significantly reduced my available credit, limited my access to consumer goods, and has negatively affected my credit score due to the reduction in my total credit limit and change in account status. Additionally, this abrupt action did not allow me the opportunity to remove my authorize users from the account prior to closure of the accounts.

Synchrony Banks actions violate the Truth in Lending Act ( TILA ) and Regulation Z, specifically 12 C.F.R. 1026.9 ( c ) ( 2 ) ( i ), which states : " Except as provided in paragraph ( c ) ( 2 ) ( v ) of this section, a creditor must provide written notice at least 45 days prior to the effective date of : ( A ) An increase in any annual percentage rate required to be disclosed under 1026.6 ( b ) ( 1 ) ; ( B ) A change in the terms required to be disclosed under 1026.6 ( b ) ( 1 ) that is either significant or affects the minimum payment ; or ( C ) A change in a required minimum payment, as provided in 1026.6 ( b ) ( 3 ) ( ii ). '' The closure of my credit account constitutes a significant change in terms under this rule. The exceptions under 1026.9 ( c ) ( 2 ) ( v ) such as for fraud, default, or inactivitydo not apply in my case.

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 2025-03-25 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX 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 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 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: MS

Complaint narrative:
I recently reviewed my credit report and I see information that is not mine.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-03-26 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance and Huffman LLC - Formal Dispute of Unauthorized Debt Request for Immediate Removal To Whom It May Concern, I am formally disputing the account reported by Vance and Huffman LLC on my credit report. I have no knowledge of this debt, and I have never signed any contract or agreement with Vance and Huffman LLC. No legally binding contract exists between me and this company.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am asserting my rights and requesting the immediate removal of this account for the following reasons : No Contractual Obligation I have never entered into any agreement, written or otherwise, with this reporting agency. Without a valid contract, they have no legal claim to report this debt under my name.

Failure to Provide Verification Despite my request, they have failed to provide a legally binding, signed contract proving my liability for this debt.

Inaccurate and Unverified Reporting Since no contract exists, this debt is unverified and should not appear on my credit report.

Legal Notice of Response Deadline Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, you are required by law to complete your investigation within 30 days from the date of this dispute. If you fail to verify this debt with proper documentation within this timeframe, you must immediately remove this account from my credit report. 

Please provide written confirmation of the results of your investigation and the deletion of this account upon completion. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Demand for Immediate Removal of Fraudulent Credit Inquiry Pursuant to FCRA Section 605B Dear Sir/Madam, I am writing to formally demand the immediate removal of a fraudulent credit inquiry that has been erroneously reported on my TransUnion credit file. This inquiry was neither authorized nor initiated by me, and as such constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Pursuant to this section, I request that you take swift action to block the fraudulent inquiry from my credit report without delay. 
Details of the Disputed Inquiry : XXXX XXXX inquiry date XX/XX/year>2025 In compliance with the FCRA, I am providing the following supporting documentation to substantiate my claim : 1. A copy of the Federal Trade Commission ( FTC ) Identity Theft Report.

2. A copy of my government-issued identification and A copy of my Social Security card.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We gave our daughter an American Express green card when she went away to college for emergency purposes. We have a XXXX XXXX  and a XXXX XXXX, we always use the XXXX XXXX. We have a life insurance automatic debit for a small amount on the XXXX XXXX. We hadnt noticed the $ XXXX yearly fee on the XXXX XXXX until this month. We called AE, they said they tried sending the new cards for years, but they kept being returned. If they knew we didnt have the card why did they continue to charge us a yearly fee. Customer service was no help. We want our {$750.00} returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
I am filing a formal complaint regarding the credit bureaus refusal to remove a debt from my credit report that is unverifiable, as well as to report violations committed by the debt collector in this matter. 

Debt information and account number : XXXX XXXX The debt in question was purchased by a debt collector from my previous apartment complex. I requested validation of the debt from both the apartment complex and the debt collector. The apartment complex stated they could not provide any validation for the charges and directed me to the debt collector. When I contacted the debt collector, they admitted that the charges were unverifiable. 

Despite this admission, the debt collector has continued to report the debt to the credit bureaus. I disputed the debt with Equifax, TransUnion, Experian ], providing documentation showing the debt collectors admission that the charges were unverifiable. However, the credit bureaus have refused to remove the debt from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I believe the credit bureaus are obligated to ensure the accuracy of the information they report. As the debt is unverifiable and the creditor has failed to validate the charges, this debt is inaccurate and should not appear on my credit report. Additionally, I believe the debt collector has violated several provisions of the Fair Deb
t Collection Practices Act ( FDCPA ), including : 1. Failure to Provide Meaningful Disclosure of Identity ( 15 U.S.C. 1692d ( 6 ) ) The debt collector refused to provide their full name, which obstructed my ability to verify the legitimacy of the debt collection attempts.

2. Failure to Validate the Debt ( 15 U.S.C. 1692g ) Despite my request for debt verification, the debt collector admitted that the charges are unverifiable but continues to pursue collection efforts and report this debt to the credit bureaus.

3. Misrepresentation & False Information ( 15 U.S.C. 1692e ) The debt collector provided false and misleading information about the debt when they responded to my complaint filed with the CFPB, claiming the debt was valid when it was, in fact, unverifiable.

4. Unfair Collection Practices ( 15 U.S.C. 1692f ) The debt collector is attempting to collect a debt that has not been validated and is, therefore, unfair and illegal under the FDCPA.

5. Harassment or Abusive Conduct ( 15 U.S.C. 1692d ) During a phone call where I attempted to request information, the debt collector hung up on me without providing the necessary details regarding the debt, which I believe constitutes an abusive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
I am filing a formal complaint regarding the credit bureaus refusal to remove a debt from my credit report that is unverifiable, as well as to report violations committed by the debt collector in this matter. 

Debt information and account number : XXXX XXXX The debt in question was purchased by a debt collector from my previous apartment complex. I requested validation of the debt from both the apartment complex and the debt collector. The apartment complex stated they could not provide any validation for the charges and directed me to the debt collector. When I contacted the debt collector, they admitted that the charges were unverifiable. 

Despite this admission, the debt collector has continued to report the debt to the credit bureaus. I disputed the debt with Equifax, TransUnion, Experian ], providing documentation showing the debt collectors admission that the charges were unverifiable. However, the credit bureaus have refused to remove the debt from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I believe the credit bureaus are obligated to ensure the accuracy of the information they report. As the debt is unverifiable and the creditor has failed to validate the charges, this debt is inaccurate and should not appear on my credit report. Additionally, I believe the debt collector has violated several provisions of the Fair Deb
t Collection Practices Act ( FDCPA ), including : 1. Failure to Provide Meaningful Disclosure of Identity ( 15 U.S.C. 1692d ( 6 ) ) The debt collector refused to provide their full name, which obstructed my ability to verify the legitimacy of the debt collection attempts.

2. Failure to Validate the Debt ( 15 U.S.C. 1692g ) Despite my request for debt verification, the debt collector admitted that the charges are unverifiable but continues to pursue collection efforts and report this debt to the credit bureaus.

3. Misrepresentation & False Information ( 15 U.S.C. 1692e ) The debt collector provided false and misleading information about the debt when they responded to my complaint filed with the CFPB, claiming the debt was valid when it was, in fact, unverifiable.

4. Unfair Collection Practices ( 15 U.S.C. 1692f ) The debt collector is attempting to collect a debt that has not been validated and is, therefore, unfair and illegal under the FDCPA.

5. Harassment or Abusive Conduct ( 15 U.S.C. 1692d ) During a phone call where I attempted to request information, the debt collector hung up on me without providing the necessary details regarding the debt, which I believe constitutes an abusive practice.

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