vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been asking for a full investigation into an account that was fraudulently opened in my name with XXXX XXXX XXXX. I initially submitted this request on XX/XX/year>, along with supporting documentation, including a police report and a copy of my lease from my residence at the time. 

It has now been over a month, and I have yet to receive any updates or confirmation that an investigation has been initiated. As this matter involves identity theft and potential fraudulent activity, I request an immediate update on the status of my case. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I expect a prompt and thorough review of my dispute. If no action has been taken yet, I demand an immediate investigation and removal of this fraudulent account from 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 2025-03-07 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating 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, Experian '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts to be removed. These are the accounts that I have marked as inaccurate : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating 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, Experian '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts to be removed. These are the accounts that I have marked as inaccurate : 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 non-monetary relief
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 non-monetary relief
Consumer complaint received 2025-03-07 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: ID

Complaint narrative:
After several attempts to get incorrect information removed from my credit report, I filed a complaint with XXXX. Since this complaint was filed, my credit score has dropped dramatically as these agencies have added older accounts that had a few late payments. These are older, outdated, and incorrect accounts. I'm assuming it's in retaliation for me filing complaints. That is so wrong in every way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: LA

Complaint narrative:
The total amount of the dispute is for {$750.00} for a XXXX XXXXXXXX XXXX  XXXX that was canceled on XX/XX/XXXX. XXXX XXXX customer care was notified around XX/XX/XXXX ( this is the date they responded ) of the cancellation and we wanted to be compensated for the horrible travel day we had. They ( my husband and I ) offered each a {$150.00} travel voucher. I do not want to travel on XXXX again. They have canceled our flights several times in the past. I then contact Paypal Credit Synchony Bank that I was disputing the charge because flight was canceled. They were contacted several times. In writing XX/XX/XXXX and XX/XX/XXXX. I also have a chat captured with them ( Paypal Credit ) from XX/XX/XXXX stating they resolved the dispute in my favor. This was the second chat I was told this. I don't have the earlier chat with them, but I was told the same thing, the dispute was resolved in my favor. I had to dispute 2 times and then they tell me in writing it was not resolved in my favor. Why am I being told one thing which I have proof of during chat and another thing in writing? Paypal Credit Synchrony Bank needs to refund this dispute in my favor since i was told this and I proof of this. Thank you for following up on my behalf.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

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 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 2025-03-07 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: NC

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 explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
Issue 1 : Denial of Credit Score Access I have made numerous attempts to obtain my credit score from TransUnion, both through their official website and third-party platforms. Each time, I have paid their required fee of approximately {$1.00} plus additional cents. Despite these payments, TransUnion has consistently failed to provide me with my score. When I attempt to access it through their official site, I receive an error message stating that I can not receive a score " due to open disputes. '' However, this error persists even at times when I have no open disputes with TransUnion. 

In contrast, I have had no difficulty obtaining my credit scores from XXXX and XXXX using similar methods, including through third-party sites. This indicates that the issue is specific to TransUnions systems or policies. Their failure to provide me with my scoredespite my payments and the absence of open disputes at timesprevents me from effectively monitoring my credit, which is especially critical given my ongoing recovery from identity theft.

Issue 2 : Identity Theft and Denied Disputes I am a victim of identity theft and have submitted disputes to all three major credit bureausTransUnion, XXXX, and XXXXregarding accounts that were fraudulently opened in my name. I have provided TransUnion with an Identity Theft Report and supporting documentation as required by the FCRA. However, TransUnion has denied my disputes for the following fraudulent accounts, which I did not open : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the FCRA , TransUnion is obligated to investigate and remove these fraudulent accounts from my credit report upon receiving my Identity Theft Report. Their refusal to do so is a clear violation of my rights and continues to damage my credit standing. 

These issues have caused me significant distress and financial harm. The fraudulent accounts that TransUnion refuses to remove are unfairly lowering my credit score and hindering my ability to secure credit or favorable interest rates. Simultaneously, their failure to provide me with my credit scoredespite my repeated payments and attemptsprevents me from monitoring my credit effectively. This is particularly frustrating given that I can access scores from XXXX and XXXX without issue. 

As a victim of identity theft, I am already dealing with the stress of repairing my credit. XXXX actions are compounding this burden, leaving me unable to fully address the damage caused by the theft.

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I initiated a claim under Chases Purchase Protection Plan for a coffee machine bought with my Chase Freedom Flex card on XXXX XXXX XXXX. Initially, on XX/XX/XXXX, a Chase representative confirmed that all my submitted documents were in perfect order. However, on XX/XX/XXXX, I was asked to provide another copy of my account statement showing the purchase, which I promptly uploaded. Then, on XXXX XXXX XXXX I received a letter requesting an itemized repair estimatedespite having already submitted an approved estimate from the manufacturer. During a follow-up call that day, I was told the repair estimate needed to be from a licensed technician, which only added to the confusion and appears to be an unnecessary delay in processing my claim. 

I have all required documentation including call recordings with chase representatives giving out contradictory information and stalling the entire process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-03-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 
- 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have been using mohela to pay my student loans. I was on the graduated repayment plan ( which meant that my monthly payment increases every two years ) and I wanted to change it to the standard plan, so that I consistently pay the same amount and not have too much interest build up on my principal. I submitted the request on XXXXXX/XX/year> and was told it would take 90 business days. I called each month to see if there was any update, and every time I called I was told that it was still in the open status which meant no one looked at it. Even after the 90 days there was still no progress so I got it escalated further and was told it would take 5-7 business days. After the 7 business days there is still no progress. Now I was told it would be escalated further and it would take 7-10 business days. It has been 5 and half months since Ive made this request and its causing my interest to increase. I couldve saved thousands of dollars if I was switched to the standard payment plan much sooner. They have been incompetent, and unreliable regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation