vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX - 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> my Chime debit card was charged with {$1200.00} sent to XXXX and XXXX was purchased and sent to a user without my permission. As soon as I received notification of transaction I contacted Chime to let them know and they said I had to wait until the transaction was processed because it still was pending. I began the dispute with them the next day and they have yet to even contact me regarding this issue. Chime denied my dispute twice and states they can no longer reopen my case. I have never opened a dispute with chime in the past and don't understand how they investigate with no contact to me from support team. Chime has failed to provide temporary credit or even help at all with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: GA

Complaint narrative:
I have contact this company First Digital Card several times attempting to gain access to the online portal. Initially I had access the first time it was set up. After the first login I was no longer able to access. When attempting to reset It would circle back stating that I already had an account set up. When calling multiple times the company is outsourced and no assistance was provided. When the card was initially received, the card would be declined in any store that I went in or gas station with full availability to the credit limit. The only way I have been able to use the card was via an online purchase typing the numbers in. There is no chip and when swiped the card was declined when available funds were present. I have asked the company to remove the fees as I have consistently attempted to get assistance with the portal. I was not receiving paper statements in the mail they declined. I have offered to pay the card off in full less the fees yet they still declined with no solution to the portal access.

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: Experian Information Solutions Inc.
State: AR

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 evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company to pull or access my credit report without my explicit consent. The presence of this unauthorized inquiry on my credit report not only violates my rights but also negatively impacts my credit score. I expect the credit bureaus to uphold their legal responsibility to ensure that only authorized and legitimate inquiries appear on my report. This entry is a direct violation of that responsibility and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Formal Complaint Regarding Unjustified Holding of Fee by Citibank To Whom It May Concern, I am writing to formally lodge a complaint against Citibank for unjustifiably holding a fee payment intended for my education at XXXX XXXX, XXXX XXXX. Below, I have provided a detailed account of the issue : Payment Details : On XXXX XX/XX/year>, my father paid an initial fee deposit of XXXX through XXXX for my XXXX program at XXXX XXXX. ( My XXXX  Payment ID : XXXX ) The payment was received by Citibank ( XXXX  intermediary bank ) on XXXX XX/XX/year>. 

Request for Additional Documentation : After the payment was received, Citibank ( via XXXX ) requested additional documentation to verify the source of funds. 
My father promptly provided all required documents, including his National ID card and its English translation, as well as any other requested details. 

Current Status : Despite providing all necessary documentation, Citibank has placed the payment on hold for an unreasonable amount of time. 
As of today, the fee has not been transferred to XXXX XXXX, and I have not received any clear explanation or timeline for resolution. 

Impact of the Delay : My universitys deadline for fee payment is approaching, and this delay is jeopardizing my admission and enrollment. 
I am unable to proceed with my XXXX XXXX  application until the fee is processed and confirmed by the university. 
The unnecessary delay has caused significant financial and emotional stress for me and my family. 

Attempts to resolve the issue : I have contacted XXXX multiple times, and they have confirmed that the delay is on XXXX end. 

Thank you for your attention to this urgent matter. 

Sincerely,

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity 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 2025-02-28 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: Credit Control, LLC
State: FL

Complaint narrative:
Credit Control LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. have asked to Credit Control LLC validate the alleged debt you claim I owe, and all you have provided me is a letter dated XX/XX/year> with a reference number : XXXX for an alleged account # XXXX for a balance of {$80000.00} which you can not prove is mine. 
15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations FDCPA 813 [ 15 USC 1692k ] Civil liability I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

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: TX

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see attached documents. Do Not close this complaint stating it is not me. I am a natural person and 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per review of my credit report, Equifax is still showing an incorrect birthday. My birth date is not XX/XX/year>. I have sent multiple requests asking for this information to be corrected and has yet to be updated. 

I have also reviewed my report and saw multiple account inaccuracies.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per review of my credit report, Equifax is still showing an incorrect birthday. My birth date is not XX/XX/year>. I have sent multiple requests asking for this information to be corrected and has yet to be updated. 

I have also reviewed my report and saw multiple account inaccuracies.

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: MI

Complaint narrative:
These accounts were fraudulently opened as a result of identity theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX XXXX Department XXXX XXXX am writing to formally dispute inaccurate and misleading information reported on my XXXX XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) Equifax, XXXX, and/or XXXX ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. 

To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. 

I request that XXXX XXXX : XXXX. Conduct a thorough investigation into this matter.

2. Provide me with documentation verifying the accuracy of the reported information.

3. Correct or remove the inaccurate information from my credit report if it can not be verified.

Failure to comply with the FCRAs accuracy requirements may result in legal consequences, including liability for damages under 15 U.S.C. 1681n and 1681o. I request a written response within 30 days of receipt of this letter, as required by law.

Please address this matter promptly and confirm the resolution in writing. If you need additional information, you may contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/2023. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/2023. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/year>. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own

Company response to consumer: Closed with explanation