vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to correct inaccurate information on my credit report despite multiple disputes over the past six years and not properly validation of information.

TransUnion has reported two accounts on my credit file that do not belong to me, most notably an account with XXXX XXXX XXXX and XXXX XXXX. Despite numerous disputes submitted over the years, including XXXX as recently as XX/XX/year>, TransUnion continues to claim the information is accurate without providing any proof or documentation that these accounts are legitimately mine. 

What is more concerning is that : XXXX of these accounts has been present on my report for over XXXX years, and every time I dispute it, they respond with a generic statement claiming it is " verified as accurate '' with no supporting evidence After I submitted a dispute in XXXX, I also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I was informed by CFPB that they were still investigating, but I later received a separate communication from Transunion stating they would not be removing the account. Then On XX/XX/XXXX they place notes on my file indicating I Voluntarily Surrendered a Vehicle that was not mines.This contradiction further undermines their credibility and their investigative process. 
Following my most recent dispute, TransUnion updated the account and lowered my XXXX XXXX by XXXX points, even though they are not legally permitted to update or alter disputed information during an open investigation especially when it has been on file for several years without proper verification. 
This inaccurate reporting has caused me significant emotional and financial distress, including the inability to purchase a home or obtain any form of credit due to lowered scores and false debt attribution. 
I have filed a police report and formally notified TransUnion of potential identity theft and fraudulent reporting yet they continue to report inaccurate information. 
These actions constitute a violation of the FCRA, which requires credit reporting agencies to conduct proper investigations and remove unverifiable or inaccurate information in a timely manner. 

I am requesting the immediate removal of the following from my TransUnion credit report : All accounts related to XXXX XXXX XXXX and XXXX Main or any other disputed entries that have been contested multiple times without valid supporting documentation. 
Failure to comply will result in escalation to : The Federal Trade Commission ( FTC ) My State Attorney Generals Office Potential legal action under FCRA provisions

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to correct inaccurate information on my credit report despite multiple disputes over the past six years and not properly validation of information.

TransUnion has reported two accounts on my credit file that do not belong to me, most notably an account with XXXX XXXX XXXX and XXXX XXXX. Despite numerous disputes submitted over the years, including XXXX as recently as XX/XX/year>, TransUnion continues to claim the information is accurate without providing any proof or documentation that these accounts are legitimately mine. 

What is more concerning is that : XXXX of these accounts has been present on my report for over XXXX years, and every time I dispute it, they respond with a generic statement claiming it is " verified as accurate '' with no supporting evidence After I submitted a dispute in XXXX, I also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I was informed by CFPB that they were still investigating, but I later received a separate communication from Transunion stating they would not be removing the account. Then On XX/XX/XXXX they place notes on my file indicating I Voluntarily Surrendered a Vehicle that was not mines.This contradiction further undermines their credibility and their investigative process. 
Following my most recent dispute, TransUnion updated the account and lowered my XXXX XXXX by XXXX points, even though they are not legally permitted to update or alter disputed information during an open investigation especially when it has been on file for several years without proper verification. 
This inaccurate reporting has caused me significant emotional and financial distress, including the inability to purchase a home or obtain any form of credit due to lowered scores and false debt attribution. 
I have filed a police report and formally notified TransUnion of potential identity theft and fraudulent reporting yet they continue to report inaccurate information. 
These actions constitute a violation of the FCRA, which requires credit reporting agencies to conduct proper investigations and remove unverifiable or inaccurate information in a timely manner. 

I am requesting the immediate removal of the following from my TransUnion credit report : All accounts related to XXXX XXXX XXXX and XXXX Main or any other disputed entries that have been contested multiple times without valid supporting documentation. 
Failure to comply will result in escalation to : The Federal Trade Commission ( FTC ) My State Attorney Generals Office Potential legal action under FCRA provisions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Ac

t ( 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 {$XXXX} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, Nj XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Equifax for Failure to Update Credit Report Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax regarding their failure to update my credit report accurately, despite multiple attempts to resolve this issue directly with them. 

Issue Summary : Equifax has failed to update my credit profile to reflect the correct credit utilization and account balances for my XXXX XXXX Credit Card with XXXX XXXX. As a result, my credit utilization ratio appears higher than it actually is, negatively impacting my credit score which I keep getting denied housing for my children for this factor. 

I have taken the following steps to resolve the issue : XXXX. Contacted Equifax Directly : I submitted a dispute on XX/XX/XXXX via Equifaxs online portal but have not received a resolution. 
XXXX. Provided Supporting Documents : I submitted recent account statements and confirmation from XXXX XXXX  proving that my account information has been reported correctly. 
XXXX. Confirmed with My Credit Card Issuer : I contacted XXXX and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and they confirmed that they reported my updated balance to Equifax. 

Harm Caused : Due to Equifaxs failure to update my report, I have experienced the following negative consequences : A decreased credit score, impacting my ability to secure favorable financial terms. 
Potential denial or higher interest rates on credit applications. 
Emotional distress and time lost in attempting to correct this issue. 

Requested Resolution : I request that the CFPB take action to ensure that Equifax : 1. Updates my credit report immediately with the correct credit utilization and account balances.

2. Provides a written explanation for their failure to update my report.

3. Compensates me for any financial harm caused by their negligence, if applicable. 

I appreciate your prompt attention to this matter and look forward to your assistance in holding Equifax accountable for their failure to maintain accurate credit reporting. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my credit report. 

Looking at my credit report I'm seeing XXXX different amounts for an owed balance. The XXXX amounts on my credit report is {$XXXX} and a balance of {$XXXX}. 

I understand mistakes happen, but your inaccurate information is costing me in higher interest rates, and I have enough expenses as it is. Please investigate and review the following information and either remove it or at least send me the information that you used to add it to my report. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I would like for the following items to be removed from all three of my credit files TransUnion Equifax and Experian. All of the closed accounts and all of the Hard inquiries that I did not authorize at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like for the following items to be removed from all three of my credit files TransUnion Equifax and Experian. All of the closed accounts and all of the Hard inquiries that I did not authorize at all

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I've been a Navy Federal Credit Union XXXX since XXXX. My husband was an XXXX XXXX XXXX service member and he and I shared a joint account ( checking ) and we each had individual savings account. In XXXX my husband began to show signs of a XXXX XXXX XXXX and he became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to myself and our XXXX young children. In XXXX he was back overseas during the beginning of the XXXX pandemic. He was in XXXX and the kids and I were mandated to our home in XXXX His behavior despite being XXXX didn't stall his treatments to us, when letters arrived at our home explaining XXXX XXXX XXXX, XXXX XXXX credits and other government stimulus packages would be issued to our family totaling almost XXXX $ beginning early XXXX and continued through XXXX. It was in XXXX that my husband removed my accessibility to our shared account. He stopped sending money to the kids and I and Navy Federal Credit Union refused to acknowledge the abuse despite me having power of attorney over our finances. I emailed the documents along with unrestricted abuse reports that I made with a XXXX XXXX on base. NFCU still sends me XXXX statements each month, my savings account with a XXXX $ balance and the joint account statements which is in a negative status that I haven't been able to access for years. I called them to straighten out the misunderstanding or injustice but they didn't seem to care. My husband was needed to confirm my statements but he abandoned the kids and myself XX/XX/XXXX. He never shared any of the stimulus packages, none of the XXXX and nothing from tax returns since XXXX. He haven't seen him since he left us and my situation unfortunately remains the same as it was while we lived as a family, uncertain and traumatized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Fraudulently billed for services I cancelled in XX/XX/XXXX and charged a false " equipment fee not returned '' charge. I sold the house where these services were in XX/XX/XXXX and just got a collections put on my credit report for today ( XX/XX/XXXX ) when I have no services. Contacted company and they said I had service XXXX when I did not. False billing practices and leading to false collections on my credit report. I was a customer for years and was never late. I called the IC SYSTEM collection agency and they don't even speak english on the line ( phone XXXX ) and apparently no one at XXXX is able to correct this error!! I have called numerous times only to be disconnected or a supervisor never called me back. Repeatedly given fake numbers to places that have nothing to do with XXXX. The list of deplorable acts and false billing practices runs DEEP with this company. As a physician my bill wouldnt be a problem to pay but I refuse to pay for services I cancelled and now theyre trying to effect my credit XXXX years later when they didnt even contact me? There is something very sinister going on here ( I think they probably keep old accounts then try and bill them as early termination or lacking equipment as a way to make money off unsuspecting customers ). there simply can Not be the amount of complaints this company has without some ruse being run on everyone. I was told by the customer service agent in the XXXX today that they dont actually have supervisors able to call people back and the supervisor that I waited for XXXX hours for told me theres actually no way for her to fix the issue. I had a ticket filed and it was rejected because Im sure this shady company doesnt let anyone fix the billing problems. This is why consumers are getting enraged. This kind of treatment is despicable.

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 2025-04-09 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: SC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and the Fair Debt Collection Practices Act ( FDCPA ). I did not authorize these inquiries, and under the law, a company must have permissible purpose before accessing my credit file.

The unauthorized inquiries in question are as follows : 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 Under 15 U.S.C. 1681b, a credit reporting agency is only permitted to provide my consumer report under specific circumstances, including a legitimate business transaction that I have initiated. Since I have not authorized these inquiries, they are in violation of federal law and must be removed 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 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I live in the same apartment complexes, i just moved to a different apartment, they obviously had all my information as I had to reapply and sign a new lease. We moved out on XX/XX/year> to our new apartment, paid everything they asked for I even asked the apartment office if I owe anything in the previous apartment just to make sure and they stated no you guys are good. Then around XXXX or XXXX I got a call saying I owe a debt around {$200.00}, I was confused but I also thought it was a scam because the caller ID showed as XXXX XXXX and the apartment complex never called me/emailed me or sent a letter to me about a balance that I owe and they have all that information in the new lease.Now the debt went to collections. I called the office and explained to them that why I have a balance and no one advised me about it and all he said was Im sorry but the dates trace back from XXXX to XXXX of XXXX, and I didnt move out till XX/XX/year> to the new apartment but in the same complex. I was not aware about an owing balance and no one ever notified me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> I was locked up in county jail XXXX of my girfriend friend came over atole my tablet her phone and her van and her purse and had access to my bank information now is chwrging my bank and cards left and right also ordering phones from my account and TV purchase s

Company response to consumer: Closed with explanation