vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On Monday XX/XX/XXXX I noticed 12 transactions that were made on my account totaling XXXX $ that were not made by me. I immediately called the bank and filed a fraud claim. The transactions were all made in person using XXXX XXXX in three different states a XXXX  stores and a gas station. I accidently verified the apply pay request and notified the bank of my mistake. The bank won't refund the fraud transactions even though they admit I didn't commit those transactions but because I accidentally verified the fraud alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account # XXXX. 

Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 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:
XX/XX/2024 This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are Compliance. 
Please re-investigate this account is inaccurate and Unverifiable. 
Please delete accounts at once. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these from my report Misleading and false information I have made several attempts to get u to validate this method u are in violation of my rights with FCRA According to Section 611 ( a ) ( 6 ) ( B ) Please be advised that under Section 611 ( 5 ) ( A ) u are require to delete everything that can not be be verified promptly. 

Also please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness Thank you for your help regarding these issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-01-08 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Experians Sham Investigation into Incorrect Credit Report Information To Whom It May Concern : I am writing to formally express my deep concern and dissatisfaction regarding Experians failure to address inaccuracies on my credit report and their repeated sham investigations into the matter, as referenced in the recent CFPB lawsuit against them. 

Specifically, I have disputed a 30-day late payment reported by XXXX XXXX XXXX XXXX for XX/XX/year> on multiple occasions. This dispute has been escalated several times through the CFPBs complaint platform, with my most recent complaint ( Complaint ID # XXXX ) being closed without resolution or the correction of the error on my credit report. 

My previous complaint was thorough and included detailed supporting documentation demonstrating that the reported information is incorrect. Additionally, I cited the specific code violated by XXXX XXXX, 12 CFR 1026.13 - Billing Error Resolution, which mandates : 1. Creditors may not take collection action or attempt to collect disputed amounts until the issue is resolved.

2. Adverse credit reporting regarding the disputed amount is strictly prohibited.

3. Creditors may not accelerate debt or restrict an account based on the consumers good faith exercise of rights under the regulation. 

Despite this, Experian has continued to report inaccurate information, thereby allowing XXXX XXXX to violate the protections outlined in the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1026.13. 

I am now deeply concerned that Experian has conducted sham investigations, as alleged in your recent lawsuit, by failing to adequately review the disputes or address the underlying violations. This ongoing inaccuracy has had significant consequences on my credit standing, potentially threatening my access to credit, housing, and employment opportunities. 

I urge the CFPB to thoroughly investigate Experians handling of this matter and ensure that my dispute is properly reviewed and resolved in compliance with federal law. This includes requiring Experian to correct the erroneous late payment reported by XXXX XXXX XXXX XXXX and ensuring such practices are prevented in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of 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 2025-01-08 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: LA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity.

2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer. 


Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted. 
Correspondence with [ Name of Creditor/Company ] ( if applicable ). 
Any additional evidence demonstrating the lack of authorization.

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity.

2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer.

Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted.

Correspondence with [ Name of Creditor/Company ] ( if applicable ).

Any additional evidence demonstrating the lack of authorization.

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX  XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-01-08 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: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report. The account in question is listed as : Account Name : Credence Resource Mgt Account Number : Balance : {$1000.00} Status : Placed for Collection I believe this information is inaccurate because the debt is not mines. I am requesting that you investigate this matter and remove or correct the inaccurate information on my credit report. 

Please investigate this matter and update my credit report accordingly. I would appreciate a written response regarding the results of your investigation. 

Thank you for your attention to this matter. If you need any further information, feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
Dear TransUnion, To Whom It May Concern, I am writing to formally request the removal of a closed. account from my credit report that is inaccurate and does not belong to me. Specifically, I have no contract with XXXX XXXX XXXX ( XXXX XXXX XXXX : Acct # : XXXX, Amount : {$1700.00} ) and do not owe any debt to them. 

This account was recently removed from my XXXX credit report due to inaccuracies, and I respectfully request that TransUnion take similar action by removing this account from my credit report as well. 

Please promptly remove closed account, as the presence of this inaccurate account negatively impacts my credit standing. I can provide supporting documentation if needed. 

Thank you for your attention to this matter. I look forward to your response.

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 2025-01-08 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: FL

Complaint narrative:
There are multiple inquiries reporting on my TransUnion credit report which i never authorized or applied for myself. i have contacted each bureau and informed them that these inquiries are a result of identity theft and have yet to hear back from either bureau and said inquiries are still being reported on my credit report. As per 15 U.S. Code 1681c2 of the fair credit reporting act : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have contacted TransUnion as of XX/XX/XXXX informing them of said unauthorized inquiries and have received no response well past the allotted 30-day time period, as per 15 U.S. Code 1681i a consumer reporting agency must respond to a request for investigation into unauthorized accounts on/or before 30 days from time of receiving initial notification from consumer. i am requesting the immediate removal of said inquiries from my TransUnion Credit report in accordance with 15 U.S. Code 1681c2 of the fair credit reporting act TRANSUNION -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the inquiries stated above were not authorized by me and as such are a result of identity theft, they are still being reported on my credit reports as of XXXX & are negatively affecting me in. I demand these Inquiries be removed from my report immediately in accordance with 15 U.S. Code 1681c2 & 15 U.S. Code 1681i or I will be forced to proceed litigation against the bureaus with which they are being reported.

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