vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
ACCOUNTS : XXXX. XXXX # XXXX. 


Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance.

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 2025-05-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because the credit bureau has informed me that they require 60 days to complete the reinvestigation of my dispute, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must complete an investigation of a consumer dispute within 30 days of receiving the dispute. They may extend that time only up to XXXX  days if the consumer provides additional relevant information during the investigation period. I have not submitted new information that would trigger this extension. 

The bureaus claim that they have XXXX  days to respond is incorrect and contrary to federal law. I am requesting the CFPB to review this matter and require the bureau to : Adhere to the legally required dispute timelines ; Complete the investigation and provide results within XXXX  days, or XXXX  days maximum if additional documentation is submitted ; Refrain from using misleading or noncompliant timelines in future correspondence. 

This delay is materially affecting my credit and my ability to access financial services. 

Thank you for your assistance in enforcing consumer rights under the FCRA.

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 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
This is the second time that I have had to report this : XXXX XXXX XXXX Attn : Credit Bureau Disputes ( Equifax, Experian and Transunion ) XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am writing to dispute inaccurate and damaging information that has been reported on my credit file by XXXX XXXX XXXX. Your institution has recently altered my payment history to reflect late payments that are false and in violation of federal law. This constitutes willful furnishing of inaccurate information and must be corrected immediately. 

According to my credit monitoring service, my payment history was previously reported as current for the following months : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, your company has now falsely updated this record to reflect : - XXXX XXXX 30 Days Late - XXXX XXXX 30 Days Late - XXXX XXXX 60 Days Late These updates are not only erroneous but legally actionable under the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A data furnisher may not furnish information on a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( b ) ( 1 ) : Upon notification of a dispute by a consumer, the furnisher must : - Conduct a reasonable investigation, - Review all relevant information provided, - Report the results of the investigation to the credit reporting agencies, - Correct or delete any inaccurate, incomplete, or unverifiable information.

3. FCRA 616 and 617 : These provisions provide for civil liability for willful or negligent noncompliance with FCRA requirements. 
You have also caused me to get denied for employment.

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 2025-05-09 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:
This is the second time that I have had to report this : XXXX XXXX XXXX Attn : Credit Bureau Disputes ( Equifax, Experian and Transunion ) XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am writing to dispute inaccurate and damaging information that has been reported on my credit file by XXXX XXXX XXXX. Your institution has recently altered my payment history to reflect late payments that are false and in violation of federal law. This constitutes willful furnishing of inaccurate information and must be corrected immediately. 

According to my credit monitoring service, my payment history was previously reported as current for the following months : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, your company has now falsely updated this record to reflect : - XXXX XXXX 30 Days Late - XXXX XXXX 30 Days Late - XXXX XXXX 60 Days Late These updates are not only erroneous but legally actionable under the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A data furnisher may not furnish information on a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( b ) ( 1 ) : Upon notification of a dispute by a consumer, the furnisher must : - Conduct a reasonable investigation, - Review all relevant information provided, - Report the results of the investigation to the credit reporting agencies, - Correct or delete any inaccurate, incomplete, or unverifiable information.

3. FCRA 616 and 617 : These provisions provide for civil liability for willful or negligent noncompliance with FCRA requirements. 
You have also caused me to get denied for employment.

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 2025-05-09 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: EdFinancial Services
State: DC

Complaint narrative:
Dispute Summary : This account is being reported inconsistently across the three major credit bureaus, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Specific issues include : XXXX  shows the account as open, XXXX  and XXXX  report the account as closed, The account type is inaccurate across at least one bureau, The monthly payment amount is incorrect, The status update is inaccurate or outdated, The last payment date does not match actual activity, Terms and reporting are incomplete, misleading, or unverifiable. 

On XX/XX/year>, my score dropped by XXXX points, and on XX/XX/year>, it rose by the exact same amount clear evidence of erroneous reporting, manual interference, or inconsistency in how data is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
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 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 2025-05-09 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-09 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: IN

Complaint narrative:
I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, by publishing and refusing to remove inaccurate personal information from my report as a federally protected consumer. My report listed XXXX inaccurate phone number, XXXX inaccurate addresses, and XXXX incorrect spellings of my name. I disputed most of the inaccurate personal information online, and per Experians instructions, called the number listed in their mobile app to dispute the names. Although I verified my identity with my full legal name, last XXXX digits of my SSN, and a phone verification code, Experian only removed XXXX incorrect name and refused to remove the remaining XXXX. Experians representative stated ( while dogs barked in the background ) that the names were reported by companies I have accounts with, yet I never authorized any company nor Experian to use or publish incorrect versions of my legal name, phone number, and addresses. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ), 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. Under XXXX XXXX. XXXX ( a ) ( XXXX ), Experian, a consumer reporting agency, failed to uphold their assumed vital role in assembling and evaluating consumer credit and other information on my report as a federally protected consumer. 

Under XXXX XXXX. XXXX ( b ), Experian failed to ensure the accuracy, confidentiality, and fair and equitable treatment of [ my ] consumer information by publishing my personal information inaccurately and providing a stranger access to my information in an area where dogs were present. Under XXXX XXXX. XXXX ( a ) ( XXXX ), Experian also failed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy by refusing to remove the inaccurate personal information even after I had verified that I am the owner of my report. Under XXXX XXXX. XXXX ( a ) ( XXXX ), Experian can only furnish a consumer report in accordance with my written instructions as a Federally protected consumer who has a right to privacy which Experian violated. 

The only fair and equitable resolution is the ( XXXX ) immediate removal of inaccurate name # XXXX, # XXXX, and # XXXX and ( XXXX ) compensation with monetary relief of {$1000.00} per violation under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), paid via direct deposit. I have attached documents to support my proof of claim and an invoice with my direct deposit 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 explanation
Consumer complaint received 2025-05-09 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, XXXX XXXX XXXX ( 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 2025-05-09 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I've had a personal checking account and a business checking account with citizens Bank for XXXX  years. I've never had any issues with my account. XXXX of XXXX XXXX I issued a check to XXXX of my employees as I do every week. My employee deposited the check through the mobile app of citizens. In XX/XX/XXXX that same employee came across the check from XXXX and cash it again. I called the bank furious that they allowed a check to get cash twice and they started a claim which they then said launched a review under my account. The bank was made fully aware that I am traveling and in another country. The following day my accounts were frozen and all of the accounts are showed a XXXX balance. After speaking to many supervisors they told me they could not disclose the reason my account was closed and that a check would be issued and mailed to my business within XXXX to XXXX days. 
I express the urgency of having access to my funds as I am in another country. They said that they're sorry there's nothing they can do. Myself and my family are now stuck in another country without any access to my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
I explained that everything was returned. I was told that I needed to call some other department. She told me she could SEE the adjustments, but I had to call that other department. I don't feel I should have to do anyone 's job in order to get an invoice adjusted from XXXX. Her resolution was " well you have to wait until they get around to it '' what kind of accounting are they doing over there? This means they're collecting interest on my money 2x.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-10 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:
Experian remove this account at once XXXX XXXX XXXX XXXX for failure to comply with my request under the law enclosed is there statement to the CFPB and my request after many times trying to get the information they refuse payment history is not contract under the law therefore remove account or face legal action

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had my vents replaced for my airconditioning in my ceiling. The company talked me into a credit card that i could pay over the year. Its the only purchase on that card. when the work was completed my ceilings were cracked and ruined. The air conditioning company was not answering my calls for over a week. I called the credit card company 3 times and asked them not to put through the charge I needed to renegotiate the charge with the company that did the work. I put XXXX calls into the card company and spoke to agents that assured me the charge would not be put through. The next thing I know they put through the total amount of {$11000.00}. Now they have attacked my XXXX XXXX. I have hired an attorney to deal with the incompetence of the company that did the work but the credit card company will now work with me. 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 monetary relief