vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
XXXX XXXX XXXX  I requested validation, including application, address, ID, on file when these accounts were opened. I requested XXXX  days ago still no response. I uploaded my XXXX  residence lease, ID, utility bills for supporting documents no response from either company Equifax, TransUnion, Experian please remove from my credit file immediately.

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 2025-02-24 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: AL

Complaint narrative:
XXXX XXXX XXXX  I requested validation, including application, address, ID, on file when these accounts were opened. I requested XXXX  days ago still no response. I uploaded my XXXX  residence lease, ID, utility bills for supporting documents no response from either company Equifax, TransUnion, Experian please remove from my credit file immediately.

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 2025-02-24 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: IL

Complaint narrative:
The credit report of XX/XX/year> - report # XXXX shows that these items were DELETED from my credit report. These items have been REINSERTED on my credit report. 

XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting these accounts 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 explanation
Consumer complaint received 2025-02-24 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: NJ

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 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 2025-02-24 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: PA

Complaint narrative:
I am contacting you to address concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, billing errors, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
Loan was paid off on XX/XX/XXXX. 
The payoff amount does not agree with my figures. Requested amortization schedule and complete breakdown of payoff figures on XX/XX/XXXX. And XX/XX/XXXX. First attempt, they said they would do so. Second attempt, it was reported that first request was deleted and they could not supply information because the loan was paid off. Phone " disconnected ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a credit card from Bank of America in XXXX. 
I was charged for interest fees in XXXX and XXXX because of a payment that did not go through because of their system and not in my fault. I set up autopay from one of my other checking accounts and that was cancelled, not by me. When that didnt go through, i hadnt noticed and did not receive any notification from them that there is a problem. When i noticed, i called to pay the balance immediately and requested for a refund of the fees. My request was denied by them. On that call, i requested the banker to add an autopay from my account so it doesnt happen again. Later that month, after i paid my entire bill, my account was charged with not one but two payments of approximately the same balance i had already paid. Meaning this time two autopay methods were in play and charged an entire statement amount which I had already paid. I called to request the refund and was assisted but the money hasnt come back to my account yet. In the meantime, they are enjoying interest on my funds and i am losing that interest not to mention the fact that I can not use those funds for other purposes. In addition, they charged my account for amounts that i do not owe them so that is a false charge. I demand to receive my funds back immediately and a compensation added to it. In addition, i request to receive the interest fees that were charged because of their fault and not mine!

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
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I made a purchase using PayPal, and I noticed that they have automatically switched my default debit card, over to PayPal credit, without my consent or knowledge, and now I have used credit for a purchase when I didn't intend to. given there is no customer service anymore at PayPal, this is the only place I can solve this issue. this is not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-24 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Appointment was made at XXXX XXXX XXXX for my son to be seen by an XXXX  XXXX. I was not told he needed a referral by his primary care doctor in order for my insurance to cover. 
I was scheduled for the appointment and my son was seen. Insurance was provided upon checking in at front desk. Once finished with consultation, I was told I didn't owe anything that they would bill my insurance. Thereafter, days later I was told that my insurance did not cover the visit because I needed a referral from primary doctor and was billed the consultation. 
I did have to go back to his primary doctor to obtain a referral so my son can continue to be seen by XXXX XXXX, XXXX XXXX XXXX. 

I was caught by surprise with the unexpected medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TN

Complaint narrative:
I am formally disputing the following negative items on my Experian credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unfairly impacting my credit profile, and I am demanding immediate action. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and legitimate investigation into these disputed items. If any inaccuracy is found, Experian must ensure that the incorrect information is removed or blocked from my credit report. A simple acknowledgment of my dispute is not sufficientI expect a comprehensive breakdown of the investigation process, including what steps were taken, what sources were contacted, and what documentation was reviewed. 

I will not accept vague responses or automated verifications. I demand full transparency and adherence to federal law. If Experian fails to comply with its legal obligations under the FCRA, I will have no choice but to escalate this matter further. I expect a timely and complete resolution.

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 2025-02-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have old accounts on my credit that need to be removed. I have requested and to no avail. 

Discover {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America **Subject : ** Urgent Dispute Regarding Fraudulent Activity & Request to Prevent XXXX XXXX XXXX XXXX XXXX and XXXX Dear Bank of America Dispute Department , I am writing to formally dispute the closure of my account number : XXXX, and the potential reporting of my banking history to *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX** due XXXX fraudulent activity. 

On, I was informed that my account was closed because someone attempted to cash a fraudulent {$250000.00} check under my name. I want to make it unequivocally clear that I had **no involvement** in this transaction and was completely unaware of this fraudulent attempt until I was notified by your institution.

**Request for Immediate Action* Please send all correspondence to my mailing address. I appreciate your immediate attention to this matter. 

Sincerely, 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 2025-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started receiving back to back credit inquiries that wasnt authorized by me. Its about a total of 12 inquiries from different installment lenders. Also I am listing about 6 accounts that are in violation to my rights. Please see below the accounts that are reporting unlawfully. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
*I am filing a complaint against Equifax XXXX XXXX XXXX and XXXX for reporting inaccurate late payments across multiple accounts and failing to properly investigate my disputes. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, they continue to report negative marks on my credit profile without providing verification from the original creditor.

Additionally, per FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of credit information ( banks, lenders, and creditors ) must not report inaccurate information and are required to update or remove incorrect data. The credit bureaus failure to demand proper validation violates FCRA 15 U.S.C. 1681e ( b ), which requires them to ensure maximum possible accuracy in credit reporting.

I have never received proper documentation proving these late payments were valid, nor have I been given any evidence of the alleged delinquencies. If this information is not removed, I will escalate my complaint and pursue legal action under FCRA 15 U.S.C. 1681n for damages due to willful noncompliance.

I demand that all unverified late payments be removed immediately from my credit report. *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

15 U.S. Code 1692c - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS. PLEASE PROVIDE ME WITH ANY INITIAL SIGNATURES OF DOCUMENTS SIGNED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my XXXX XXXX but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I have attempted to contact this credit monitoring service without result. Difficulties in calling time and information requested by this company is more than necessary. Incorrect information on my report, including names and non-mailable addresses creating negative impact on 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 explanation