vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have two accounts that I have requested to be removed from my file. Both accounts are over 10 years old and serve no purpose in my report. Equifax, in their brilliance, has decided that since I filed a dispute for removal and the information was deemed valid by the companies, it will now stay on my credit file for up to another ten years. 

XXXXXXXX XXXX last activity was XX/XX/XXXX but since I disputed it this month on XX/XX/XXXX it is now scheduled to stay on my report until XX/XX/XXXX. Equifax can't continue to make and apply rules that contradict the FCRA. 

XXXX XXXX  date of last payment XX/XX/XXXX should have come off one to two years ago but again because I had to dispute the information it is now scheduled to stay on my file until XX/XX/XXXX. 

Why does XXXX feel it can do whatever it deems to a consumer credit file? If the company sends data saying the sky is blue they put it on your report with no validation and no proof but for a consumer to remove or have accurate information they have to jump through loops and provide documents. Yet, they create rules to continue to manipulate data to ensure consumers ' scores are low to benefit their clients banks, lenders to ensure higher interest rates, and poor creditworthy consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Experian for Failing to Remove Unauthorized Credit Inquiries To Whom It May Concern, I am filing a formal complaint against Experian for failing to remove unauthorized credit inquiries from my credit report, despite my formal dispute. 

Background of the Issue : I recently reviewed my credit report and discovered multiple unauthorized credit inquiries that I do not recognize or approve. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I formally disputed these inquiries with Experian, requesting their removal since I did not authorize them. 
After investigating my dispute, Experian failed to take the necessary steps to remove these inquiries despite my clear request. 
I then contacted Experian by phone, but they refused to address my concerns or provide any valid explanation for keeping these inquiries on my report. 
Violation of My Consumer Rights : Experians failure to remove these unauthorized inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ) : Only authorized hard inquiries should appear on my credit report. 
If an inquiry is unauthorized or disputed, it must be removed unless verified as legitimate. 
Experian has a legal duty to ensure the accuracy of my credit report and to remove unauthorized information when notified. 
Requested Resolution : Immediate removal of all unauthorized credit inquiries from my credit report. 
A full investigation into why Experian failed to properly remove these inquiries after my dispute. 
A written response from Experian confirming the removal of these inquiries. 
CFPB oversight to ensure Experian complies with FCRA regulations.

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 2025-01-30 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: TX

Complaint narrative:
Experian and XXXX have failed to respect my personal information, violating multiple laws by placing incorrect and improperly used data on my credit report. This negligence breaches the Fair Credit Reporting Act ( FCRA ), which mandates accuracy in consumer credit information, and the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to protect consumer data. Their actions have caused harm by misrepresenting my financial history, leading to potential denials of credit and financial opportunities. Additionally, I completely paid off an account that was not mineroughly {$1300.00} around XX/XX/XXXX, XXXX to resolve the issue. However, they have yet to honor the agreement and correct my credit report accordingly.

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 2025-01-30 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: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
I lost my card and XXXX XXXX sent a replacement card. I called to activate it in XXXX and they immediately transferred me to the fraud department stating I was not allowed to access my card without verifying my ID. After multiple attempts to do so I still do not have access to my social security deposits since XXXX and it is almost XXXX. I am borrowing food from neighbors and missing rent because of it. I dont know what to do to get my money. Their wait hours can go on for 2+ hours and they hang up without any notice or call backs. I have screen shots and emails proving they are hanging up or not picking up and that they refuse to verify my ID after sending the proper forms of ID. I opened another bank account so social security can direct deposit my money but I still lost access to 4 months or my social security money. Im scared and dont have any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TrueAccord Corp.
State: NC

Complaint narrative:
This company has violated my consumer rights under 15 USC 1681, they have failed to provide me with accurate information as well as reflect that in there reporting. The account was a XXXX XXXXXXXX card. I lost the card and attempted to settle the account. Everytime I would contact XXXX they would tell me that I couldnt pay on the account, to settle the account I wouldnt have to reapply for another card/account. Which I did and that didnt work I was denied. I called back after I received the decision and let the agent know. They agent then transferred me to and agent who was working for XXXX who stated they now have control of the account. I explained to the representative that I was denied payment directly thru XXXX XXXX  and was told that I would have to reapply to submit payment when that wasnt the case. XXXX representative told me that whatever took place prior they are not responsible for and prior information that I was given. I asked for removal of the debt since the original debt owner denied me payment and provided me with inaccurate information. She said she would update the account with my current information and notate it. I see they have sold the debt again and are harassing me. The new company has a TRUE ACCORD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX, Equifax Formal Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed incorrect information regarding my student loan account with the U.S. Department of EducationXXXX . 

The specific inaccuracy is as follows : Balance Discrepancy : The original balance of my loan is reported as {$33000.00}, yet the current balance is reported as {$35000.00}. Since I have made timely payments and there is no record of delinquency, the balance should have decreased, not increased. 

This error is misleading and negatively affects my credit profile. I kindly request that you investigate this matter and correct the inaccurate balance on my report. Enclosed, I have provided a copy of my credit report with the incorrect information highlighted. 

Please conduct a thorough review and provide a written response confirming the resolution of this dispute. If the information can not be verified, I request that it be removed from my credit file per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please contact me at XXXX if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I created an account under a new promotion that stated I would receive a {$450.00} bonus after I submitted two direct deposits totaling {$5000.00} or more. After two direct deposits, my account was locked when I tried to login online ( note that I had an existing CitiBank credit card and being locked out of my account lost me access to that as well ). So I now have over {$15000.00} locked in that account and they will not allow me to access it. I spoke with their customer service today ( XXXX ) ; yesterday ( XXXX ) ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Each time, I was transferred multiple times with often more than hour-long wait times and all " customer service '' agents were difficult to understand and took a long time to do anything, all based out of the XXXX and XXXX. Early on, they said they could not speak to me until they sent me a letter. But they refused to confirm whether they had the correct address or where the letter would be sent. Then the letter was sent to the wrong address. I called that number and they gave me another number to call. They hung up on me after they claimed they could not hear me after speaking for over 20 minutes, despite having no issues with my phone. Yesterday, they told me they were closing my account with no explanation. When I asked what would happen to my funds they said they would mail a check, but again could not confirm the address and I suspect it will again be sent to the wrong address. They also would not let me update my address. Today, XXXX at XXXX pm I called back and spoke to another agent, " XXXX. '' The call lasted 16 minutes and 6 seconds. He confirmed that the funds had been mailed to me at my current address. He also confirmed that the funds would include both my direct deposits and the {$450.00} bonus made by Citi. He stated this several times for confirmation because I was doubtful. But he would not confirm the address on file. It has now been months and I have received nothing.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
These are accounts are not mines and were opened due to identity theft. 
XXXX XXXX XXXXXXXX Reported On XX/XX/year> Account Balance {$1900.00} XXXX XXXX XXXX Reported On XX/XX/year> Account Balance {$1900.00}

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bank statement with my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/XXXX. Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Equifaxs inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Equifax and USPS certified mail proof of delivery as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems Dispute XXXX : " I did not authorize or consent to any accounts being reported under my name or Social Security XXXX. These accounts are unverifiable, unauthorized, and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws. '' Case Laws Supporting Unauthorized Accounts in ChexSystems : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A consumer reporting agency is liable for failing to block fraudulent accounts related to identity theft. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that credit bureaus, including ChexSystems, must conduct a reasonable investigation into disputed accounts. 
Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A financial institution must have a permissible purpose to report or access a consumer 's financial history.

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