vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized Changes to Credit Report and Data Breach Concerns I am writing to formally express my concerns regarding serious issues with my credit reports and the handling of my personal information by XXXX, Equifax, and XXXX XXXX XXXX. 

First, my personal data was compromised in data breaches involving these companies, which has left my privacy unprotected. Additionally, there was an unauthorized unlocking of my credit freeze. I had previously ensured that my credit reports were securely locked and did not authorize these changes. I asked for the incorrect addresses to be removed and it was not. 

Moreover, there are incorrect addresses listed in my credit report that I have repeatedly requested to be corrected. Despite my efforts, these inaccuracies persist. Given the significant breach of my privacy, unauthorized changes, and ongoing inaccuracies, I am seeking immediate action to rectify these issues, ensure my data remains protected, and provide accountability for these violations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: KY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-18 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: NJ

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the eveidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> I deposited a check that was issued to my grandfathers wife which she had endorsed over to me because she did not have a checking account with Chase only retirement. Since XXXXXXXX XXXX XXXX Chase has closed out all of my accounts based on speculation and assumption that their had to be some sort of fraud going on, Chase suspended my funds of XXXX dollars and have been holding on to them since XXXX they were finally able to verify the check on XX/XX/XXXX and told me they would be mailing out a check, I asked them what I was supposed to do with a check that large with no bank account to deposit it into, I can't even open an account at any other bank because of whatever check system I was placed in by Chase. Since all of this has happened I have had all of my accounts closed out by multiple banks I have defaulted on my house and my credit score has dropped over XXXX points. I was told on the XXXX of XXXX to go open a new account with Chase at a secure level so that the funds could immediately be transferred to the new account today is the XXXX of XXXX and I am being told I will have to wait until the XXXX of XXXX midnight. Chase has created such a hardship in my life and takes no accountability nor do they take any course of action to rectify the matter on behalf of their wrong doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being.

Immediate action is expected.

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 2025-02-18 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: KY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-18 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Discrepancy on My Credit Report Unauthorized Accounts Still Reported FCRA 15 USC 1681i ( a ) Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report. Upon reviewing my report, I have found that unauthorized accounts that were already deleted from my XXXX credit report are still appearing on my Experian report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681i ( a ), I am entitled to have any inaccurate or incomplete information investigated and corrected within 30 days. I have already disputed these accounts with XXXX, and they have been successfully removed. However, Experian continues to report these unauthorized accounts. 

Please investigate this matter promptly and remove any incorrect or unauthorized information from my credit report, as required by law. I request that you provide me with an updated credit report once the necessary corrections have been made.

Enclosed are copies of my identification, as well as any relevant documentation ( e.g., my XXXX credit report ) that may assist with your investigation. I look forward to receiving confirmation of the updated report once the dispute is resolved.

Thank you for your prompt attention to this matter.

Sincerely, [ XXXX XXXX XXXX ] [ Date of Birth ] XX/XX/year> Enclosures : Copy of Identification Copy of XXXX credit report showing deleted accounts

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
I currently have a loan with Edfinancial. My student loans were on auto pay for years. Starting back in XXXX the started reversing my payments. I tried to resolve the issue and thought it had been resolved, but the continued to reverse my payments. I had not noticed until XXXX. I called again and they could not give me a clear explanation of why this was happening. I called my bank and they said that Edfinancial was reversing my payments. I reset my autopay which then went through. Fast forward. It continued to reverse and now I have 90 day delquency on my credit report. They still can not give me a valid reason of why this is happening and offered me a hardship application to fill out which I do not want to do. They did however bring my payments up to date but are saying it will not reflect on my credit report unless I do a hardship application. I got online and see that there are a lot of people that this has happened to. Its not fair this is being reflected on my credit report when it is clearly an issue with their payment system and I have taken steps needed to pay my loan and it is a deference on their end. This payment list on their website is inaccurate as I had began my repayments in XXXX, but it only shows me starting payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: KY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2025-02-18 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX  XXXX XXXX - Opened XX/XX/year> with a balance of {$9900.00} account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Is reporting negative on my credit report which is dragging my score all payments are in deferment and no credit bureau will correct it.

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 2025-02-18 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: AL

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I authorized a {$55.00} transaction through XXXX XXXX, but an unauthorized charge of {$750.00} was processed on my account that same day. I contacted XXXX XXXX to report the fraudulent charge, and they advised me to request the refund from the user. However, the user declined my refund request. My XXXX XXXX account was closed due to multiple fraudulent activities, including this charge, as well as similar issues with XXXX XXXX, XXXX, and XXXX. 

I filed fraud claims with XXXX XXXX and XXXX, which both resolved in my favor. I submitted relevant documentation, including screenshots from XXXX XXXX and fraud claim letters from XXXX  XXXX and XXXX, to Navy Federal Credit Union. Despite this, my claim was denied, with no new information provided to support the decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have a credit card with Citi bank. In XXXX fraudulent transactions started appearing on my account. The fraudulent charges were all made in Georgia ( I live in Kansas ). Citi bank allowed someone to change my billing address and email from my Kansas address to an address in Georgia and issued a card to that address. Over the course of 3 weeks, XXXX  fraudulent transactions were made totaling just shy of {$12000.00}, maxing out the credit limit on the account. I was not notified of the address change. No one bothered to flag the account when the excessive spending started. This card isn't a card I use daily, I only have a couple automated payments that hit it each month. My monthly bill over the last year plus was around {$25.00} a month. This is negligence on Citi Bank 's part to allow almost {$12000.00} in charges in three weeks on a card that typically holds {$25.00}. I have disputed all of the charges with Citi bank and it is currently under investigation but I will no longer be banking with Citi Bank since they aren't interested in protecting their customers.

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 2025-02-18 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: AL

Complaint narrative:
Showing I owe on accounts and some where included in a XXXX  and still showing incorrectly. 
The public records still show that our XXXX is in our report and its been over XXXX  years! 

Also the inquiries needs deleted because 90 % of them were NOT authorized.

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 2025-02-18 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: AL

Complaint narrative:
Showing I owe on accounts and some where included in a XXXX  and still showing incorrectly. 
The public records still show that our XXXX  is in our report and its been over XXXX  years! 

Also the inquiries needs deleted because 90 % of them were NOT authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
Account was never verified. Company never provided wet signature verification or proof of debt. Account states closed since XX/XX/1969 1969

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX CREDIT XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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