vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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:
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 mental anguish 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Citi Cards for causing me significant harm by closing my credit card account and reporting inaccurate information about my financial status. This action was based on false information that I filed for bankruptcy, which is not true, and the company also added an unauthorized inquiry to my credit report without my consent. 

Issue Summary : Credit Card Company Name : Citibank , N.A . 
Account Number : XXXX Date of Incident : XX/XX/year> Details of Harm : Credit accounts closed, limits lowered Incorrect Bankruptcy Information : I was informed by Citibank , N.A . that they closed my credit card account due to being notified that I had filed for bankruptcy. However, this information is not true. I have never filed for bankruptcy, and it appears that the credit card company either received incorrect information or misinterpreted my financial history. As a result of this false assumption, my account was prematurely closed, which has negatively impacted my credit score and harmed my financial standing. 

Unauthorized Credit Inquiry : In addition to the erroneous account closure, Citi Cards also added a new credit inquiry to my credit report without my authorization. I did not grant permission for this inquiry, and as a result, my credit score has been unfairly impacted. Unauthorized inquiries are harmful to my credit profile and should not have occurred without my explicit consent. 
Details of Harm :

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 2025-02-28 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : 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 Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : INQUIRIES XXXX. Account name : XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Opened : XX/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 2025-02-28 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : 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 Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : INQUIRIES XXXX. Account name : XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Opened : XX/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 2025-02-27 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: WA

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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was getting a quote on insulating my house. Did not sign anything. 
received email below : From : Synchrony for your XXXX  XXXX  XXXX Sent : Thursday, XX/XX/year> XXXX XXXX  To : Subject : Welcome! You're approved for a XXXX XXXX account. 

Here are the things you need to know. 

hello You're approved for a credit card from XXXX XXXX! 
We're excited to have you as a customer, and look forward to helping make your future purchases possible. 

Your credit limit is {$10000.00} Your card will arrive in the mail within 710 business days Be sure to activate your card once it arrives Once your card arrives, register your account on MySynchrony.com to set your preferences, enroll in electronic statements, and make payments. 

And remember to download the mobile app for anytime, anywhere account access. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 
ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your XXXX XXXX  account.You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX account. 
Credit is extended by Synchrony Bank which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX, USA.www.synchrony.com

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 2025-02-28 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I never imagined I would have to deal with such an unjust situation. A debt I know nothing about has suddenly appeared on my credit report, and I am now being harassed through multiple channels with escalating threats. This is unacceptable and a violation of my consumer rights. The stress and anxiety this has caused are overwhelming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-28 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:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Reporting the ( XXXX XXXX Credit Bureau Agencies ( Experian, TransUnion & Equifax ) are reporting unauthorized fraudulent hard inquiries on my report. Please see attached dispute letter and FTC Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXXSocial Security Number : [ REDACTED ] Case Number : XXXX Identity Theft Report Numbers : XXXX and XXXX Subject : Formal Complaint Regarding Identity Theft, Labor Trafficking, and Credit Reporting Violations To Whom It May Concern at the CFPB, I am submitting this formal complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report and failing to update my personal information as required by federal law. 

I. Explanation of the Situation Victim of Identity Theft : I have been a victim of identity theft, with multiple fraudulent accounts opened in my name. Additionally, my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle, further exacerbating my vulnerability to fraud. These unauthorized accounts and inquiries have negatively impacted my financial standing and credit score. 

Victim of Labor Trafficking : From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking, during which I was forced to work without pay and had no control over my financial affairs. Due to this exploitation, fraudulent accounts and inaccurate items were added to my credit report without my consent. 

Data Breach Impact & Failure to Protect My Information : I was also affected by an XXXX XXXX XXXX data breach, which compromised my personal data. Despite multiple requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, increasing my risk of further fraud. Additionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, violating my consumer rights under federal law. 

II. Violations of Federal Law The credit reporting agencies and data furnishers have violated the following federal statutes : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification for disputed accounts.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-28 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-27 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: AL

Complaint narrative:
Credit Karma has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Credit Karma, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Credit Karma has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Credit Karma 's inaction violates federal law and my rights as a consumer.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had two credit card accounts with Capital One that were permanently closed due to returned payments, despite the fact that these payments were the result of fraud.

My husbands checking account ( which was the saved payment method for my Capital One credit card ) was hacked, leading to multiple unauthorized payments toward my credit card balance. The fraudster also used my Capital One virtual card to make unauthorized purchases and then attempted to pay it off using my husband 's linked account to free up available credit for further fraudulent transactions. 

Once we noticed the unauthorized payments, we immediately contacted XXXX XXXX XXXXXXXX ( the bank holding my husbands checking account ) to report the fraud and stop the transactions. We also called Capital One the same day to inform them that my bank account credentials had been compromised and that these payments were unauthorized. 

Capital One acknowledged the fraud, issued me a new credit card, and assisted in reporting the fraudulent transactions. However, despite my prompt action and cooperation, Capital One later closed both of my credit card accounts permanently, citing the returned payments. 

This decision feels unfair and punitive, considering : The payments were unauthorized due to fraud, not financial mismanagement. 
I reported the fraud immediately and followed all necessary steps, including notifying Capital One and seeking their guidance. 
Capital One initially assured me that they took note of the fraud report, but they later penalized me by closing my accounts. 

I request that Capital One reopen my accounts or, at the very least, remove any negative marks on my credit report related to this closure. I also request a clear explanation for why my accounts were closed despite my prompt reporting of fraud and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX salesman came to my home. Hes putting signs out. Explain me how solar systems worked. He gave me a speech how much power I will save. I have no electric bill. He was going to finance me through Good Leap for XXXX. Power, our homes came out during the XXXX never completed. The job system never started up. Good Leap started charging me and has harassed me. Emailing me calling me every day asking for money taking my credit score from XXXX to low XXXX they keep refusing to listen to me and tell me is not their problem I keep telling them XXXX XXXX filled bankruptcy voiding. The contract with a job was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont know why. I routinely review my report, but this time, I noticed unexpected discrepancies. I tried refreshing my browser, thinking it was a temporary issue, but the inaccuracies remained. For this reason, I ask that the documents Ive submitted be thoroughly reviewed so I can finally put this matter to rest.

Company response to consumer: Closed with explanation