vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-14 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: CA

Complaint narrative:
All three credit bureaus are reporting addresses, names and debts that either do not belong to me or are being inaccurately reported. I have tried to dispute many items listed on my report and they still remain! This has affected my score greatly and caused my interest rate on my vehicle to be terribly high, making the financial debt I owe almost 3 times what the vehicle is worth. I strongly believe that my ss # has been compromised as I am constantly being offered loans insurance and other scams or fraudulent offers through text or email. My bank has also contacted me several times over the past year for attempted withdrawals from foreign countries or city that I dont reside!

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 2025-01-14 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: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX- XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-14 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: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX- XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
I reported accounts that weren't mine through Experian. They claimed they investigated but didn't provide any proof that the accounts were actually mine. This failure to provide evidence is unacceptable and needs to be addressed.

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 2025-01-14 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information from XXXX, Transunion, and XXXX on my consumer report. This inconsistent and harmful reporting from these Bureaus has impacted my score making it hard to get the credit I so desire. I have suffered emotional distress, humiliation, and hardship. The continued presence of incorrect information has negatively impacted my credit standing and caused undue frustration. 
I want to highlight that this matter is similar to issues raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, where the CFPB alleged that XXXX failed to accurately report credit information and address consumer disputes effectively. This pattern of behavior is concerning, as it reflects systemic problems that have now directly affected me. Not to mention errors and inconsistencies, which violate the 15 U.S.C 6802 and the Privacy Act of 1974 Attached is my consumer report. I have highlighted the inconsistences of the report on each bureau. 
Under the Fair Credit Reporting Act ( FCRA ), these bureaus are obligated to ensure the accuracy of consumer reports and to investigate disputes thoroughly. I am requesting these Bureau to remove ALL inquiries charge-offs, non-mailable addresses, and wrong names. For the inconsistencies and wrong information, I want XXXX from each bureau due to my pain, suffering, and humiliation. I also want to mention that it is ILLEGAL to report transaction history. 
Please treat this letter as a formal notice of dispute. I expect a respond within the legally mandated 30-day timeframe. If these issues are not resolved promptly, I am prepared to escalate the matter to the CFPB and pursue further legal remedies if necessary. 
Thank you for your 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 non-monetary relief
Consumer complaint received 2025-01-14 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:
I am writing to formally dispute inaccurate information from XXXX, XXXX, and Equifax on my consumer report. This inconsistent and harmful reporting from these Bureaus has impacted my score making it hard to get the credit I so desire. I have suffered emotional distress, humiliation, and hardship. The continued presence of incorrect information has negatively impacted my credit standing and caused undue frustration. 
I want to highlight that this matter is similar to issues raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, where the CFPB alleged that XXXX failed to accurately report credit information and address consumer disputes effectively. This pattern of behavior is concerning, as it reflects systemic problems that have now directly affected me. Not to mention errors and inconsistencies, which violate the 15 U.S.C 6802 and the Privacy Act of 1974 Attached is my consumer report. I have highlighted the inconsistences of the report on each bureau. 
Under the Fair Credit Reporting Act ( FCRA ), these bureaus are obligated to ensure the accuracy of consumer reports and to investigate disputes thoroughly. I am requesting these Bureau to remove ALL inquiries charge-offs, non-mailable addresses, and wrong names. For the inconsistencies and wrong information, I want XXXX from each bureau due to my pain, suffering, and humiliation. I also want to mention that it is ILLEGAL to report transaction history. 
Please treat this letter as a formal notice of dispute. I expect a respond within the legally mandated 30-day timeframe. If these issues are not resolved promptly, I am prepared to escalate the matter to the CFPB and pursue further legal remedies if necessary. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I called the company directly and asked them to validate the debt and provide the original purchase agreement for the debt, as is my right under the law. They could not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your 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 2025-01-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your 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 2025-01-14 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: IA

Complaint narrative:
My name is XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-14 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: IA

Complaint narrative:
My name is XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-14 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: IL

Complaint narrative:
am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT BONDAGE, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXX v. Equifax Information Services LLC ( XXXX XXXX 2018 ). 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing this complaint regarding Synchrony Banks handling of my Amazon Store Card account. Specifically, I believe they failed to comply with the Credit CARD Act of XXXX, which requires creditors to provide a separate written notice at least 45 days before implementing changes to my XXXX. 

Summary of Issue : 1. My XXXX was increased to 29.99 %, and I was only notified of this looking at my next autopay when I contacted during a live chat with Synchrony Bank customer service on XXXX. 
2. I requested details about when and how I was notified of this increase. Initially, the agent claimed that changes in terms occurred in XXXX and that I was sent an email on XX/XX/XXXX. However : I have no record of this email or any separate notification regarding the rate increase. 
Synchrony Bank was unable to provide a tracker or proof that the email was sent. Instead, they offered to resend the terms, which does not address the issue of advance notice. And then abruptly ended the chat. 
It was suggested that a transcript of the chat would be retrievable for my records, but I had to copy and paste it myself during the conversation. This raises concerns about the banks transparency and compliance. 
3. Under perjury of law, nothing about my account was altered or the messages provided to the CFPB, and no notification was provided through proper channels. Additionally, the Credit CARD Act of XXXX explicitly requires a separate written document clearly outlining the changes, which can not be buried in monthly statements. I did not receive such a document. 

Requested Resolution : 1. Provide proof of compliance with federal law, including the date, method, and content of the notification sent regarding the XXXX increase. 
2. If Synchrony Bank can not prove compliance, I request that the XXXX increase be reversed and that any associated charges or impacts be refunded or resolved. 

Supporting Evidence : Attached is a transcript of my interaction with Synchrony Banks live chat representatives. It clearly demonstrates their inability to provide sufficient evidence of notification and highlights contradictions in their statements about how and when I was notified. 

Thank you for your attention to this matter. 

Best regards, [ Your Full Name ] [ Your Contact 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 2025-01-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation