vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
My neighbor stole my information from my mail when I moved in 2011. Since then Ive my information has been exposed on the dark web. Im still getting alerts from different sources using my 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 2025-02-04 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company 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 2025-02-05 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion website does not work properly, or does not work at all. Site forgets passwords, and when attempting to unfreeze for a credit card application, site jams up and goes blank, or asks for the same information repeatedly with no further progress after that. This has happened on multiple occasions over several months. Checking on " Is it down right now '' and XXXX indicate that many other consumers are affected by their inoperable website. Tried calling during normal working hours, phone just hangs up. 

It is very worrying that their site is so bad even though key and critical personal information is held by them. What would a customer do if there was identity theft and Transunion could not be reached by phone or on line to put on a security freeze?

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 2025-02-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-05 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: OK

Complaint narrative:
Experian To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late.

It is my understanding that you must validate these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. 
Thank you for your time and help in this 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 2025-02-05 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: VA

Complaint narrative:
Re : Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute several fraudulent accounts listed on my credit report. These accounts were not opened or authorized by me, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act.

I have recently reviewed my credit report and found the following accounts listed as fraudulent. I am requesting that these accounts be investigated, verified, and, if found to be fraudulent, removed from my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that these fraudulent accounts be removed from my credit report promptly, as they do not belong to me. Furthermore, I have reason to believe these accounts were opened without my consent or knowledge, and I am in the process of reporting these fraudulent activities to the appropriate authorities. 

In accordance with the FCRA, I expect that you will conduct a full investigation into the legitimacy of these accounts within 30 days of receiving this request. Please provide me with the results of your investigation and a copy of the updated credit report once the fraudulent accounts have been removed.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to proper investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently within 24 hours stating the account is accurate. Without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, mandates a reasonable investigation of disputes.Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-05 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: UT

Complaint narrative:
I cant begin to explain how fed up I am with the inaccuracies on my report. These errors are not just inconvenienttheyre ruining my score and blocking opportunities Ive worked hard for. Its so unfair to feel like my future is being determined by mistakes that arent even my fault. Ive tried to remain patient, but this is beyond frustrating.

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 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting three separate collections is a company by the name of Franklin Services for what they are stating are old accounts.

I am disputing the validity of these collections and the reporting of them because I do not recognize the debts. Franklin Services does not state who the original provider was, nor have I received a call, text, or email which has furthered my suspicion of these debts that made it onto my credit reports. 

Due to these XXXX  collections being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am listing XXXX Authorized users from my Experian, Transunion and Equifax credit report. XXXX XXXX AUTHORIZED USER XXXX and XXXX XXXX AUTHORIZED USER XXXX the listed authorized users do not belong to me and must be removed from my Experian , Transunion and Equifax credit report. i had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark listed authorized users as fraudulent and remove from my credit report.

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 2025-02-05 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: CA

Complaint narrative:
I am listing XXXX Authorized users from my Experian, Transunion and Equifax credit report. XXXX XXXX AUTHORIZED USER XXXX and XXXX XXXX AUTHORIZED USER XXXX the listed authorized users do not belong to me and must be removed from my Experian , Transunion and Equifax credit report. i had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark listed authorized users as fraudulent and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX frozen my account due to me adding my bank account and my bank issued debit card. They thought it was a fraud. I requested my account to be unfrozen or what steps I should take. They send me information on what I need to do. I sent everything they requested except my debit card statement, due to the fact that my bank dont have statements for debit card transactions. I have proof ( screenshot ) of me chatting with my bank about it and them saying they don't do statement for debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated. The inaccuracies are injurious to my credit score.

In accordance with the Fair Credit Reporting Act, Public Law 91-506, VI, Section 61, Please provide the names and business addresses of each individual with whom you verified above do that I may follow up. Please send a copy of my updated credit report after your reinvestigation.

Not indicating when/if the account has been sold ( Misrepresentation of the account status ). 

Not reflecting a {$0.00} after transferred/sold/paid ( double jeopardy ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Phone 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 non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated. The inaccuracies are injurious to my credit score.

In accordance with the Fair Credit Reporting Act, Public Law 91-506, VI, Section 61, Please provide the names and business addresses of each individual with whom you verified above do that I may follow up. Please send a copy of my updated credit report after your reinvestigation.

Not indicating when/if the account has been sold ( Misrepresentation of the account status ). 

Not reflecting a {$0.00} after transferred/sold/paid ( double jeopardy ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Phone Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I recently reviewed a copy of credit report and noticed fraudulent accounts on my credit report. please remove account as it is hurting my ability to obtain to credit. 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 2025-02-05 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: OK

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed XXXX 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 XXXX, 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 XXXX has neither corrected nor removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I pay XXXX XXXX to avoid Standard and Deferred Interest on your next statement in full each month yet am noticing my new statement balance is not going up - not down - with no new charges. I tried to call XXXX for an explanation and they cant clearly explain what is going on.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
XXXX XX/XX/XXXX I owed {$1500.00}. I paid {$700.00} leaving me with an over due balance of {$850.00}. Over the year I have made payments in the amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX If you take the payments made and the last 10 months due from XXXX to XXXX with the following payments made, I should be behind {$2000.00} instead of {$2400.00}. That is a payment discrepancy of {$370.00}. 
Also when adding all payments over the course of my loan I have paid close to XXXX but the amount paid on my account is {$7400.00}. 
I have emailed about these issues several times and have been advised that the matter needs to be spoken about on chat or phone call. I have tried these methods and am unable to reach anyone that is able to speak about this with me, and end up getting disconnected. Please help me, or refer me to an email I can use to speak to someone about this. This is quite a lot to speak about on the phone and I have trouble using the phone and speaking at times.

Company response to consumer: Closed with explanation