vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX CARD - XXXX - This information is incorrect. Please investigate it.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-complia nce has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of Reported late payment : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2025-03-10 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and fraudulent items appearing on my Experian credit report. I demand immediate corrective action to rectify these errors.

Incorrect Personal Information : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Incorrect, please remove it. ) Employer : XXXX  ( This information is incorrect, please remove it. ) Unauthorized Accounts Not Mine : XXXX XXXX Account Number : XXXX ( This account is fraudulent and must be removed. ) Legal Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 609 ( a ) ( 1 ) : I have the right to request proof that this account and incorrect personal information belong to me.

FCRA Section 611 ( a ) : If Experian can not verify the accuracy of this information with proper documentation from the original sources, it must be removed immediately.

FCRA Section 623 ( a ) ( 1 ) ( A ) : Information providers must report complete and accurate information. Failing to do so violates this rule.

Required Actions ( Within 30 Days ) : Immediately delete all the disputed accounts and incorrect personal information from my credit report if they can not be verified with proper documentation.

Provide me with a copy of the verification documents for each disputed item.

Update my credit report accordingly and send me a new, corrected copy upon completion.

Failure to comply with this request will result in me escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal action for damages caused by this inaccurate and fraudulent reporting.

Please treat this as an urgent matter and respond within the legally required timeframe. 

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 2025-03-10 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: IL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-03-10 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
This communication is in response to the debt collection company " Credit bureau Association ''. On or about XX/XX/XXXX, an initial complaint was filed against XXXX. It responded to my complaint on or about XX/XX/XXXX. This complaint is being filed because of willful noncompliance from the debt collection company. I want them aware that they are now in the red and are liable to me for breaking federal law under the FDCPA where I will seek for actual damages in this matter apart from statutory damages since XXXX is recklessly disregarding my demand. My request was " This is a refusal to pay as allowed per section 1692c ( c ). Considering that medical debt is banned from credit reports, the debt being more than XXXX XXXX XXXX per the last payment date on my credit report regarding this account, due to a lack of information regarding the alleged debt this collection agency claims I owe, and violations under the FDCPA section 1692e et seq. Cease and desist. That includes all communication and collection efforts including credit reporting in which courts have ruled furnishing " collections '' tradelines on credit reports are an attempt to collect, an attempt to pressure consumers, and is a medium of communication to consumers. 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 and XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
i in the morning of XX/XX/year>, three withdrawals were made from my checking account, none of which I authorized. The first one was for {$2300.00}, the next one was for {$200.00}, and the final one was for {$1000.00}. In total {$3500.00} worth of withdrawals were made from my account none of which were authorized by me.

I was shocked and horrified when I realized what happened and I immediately called Chime, my Bank, to complain. The man I talked to on the phone told me not to worry that the funds would be refunded within 3 to 4 business days. I felt so much better after talking to him! but when i called back to confirm what he told me, I got a woman who said that nothing could be done yet because the charges were still pending and that i needed to wait to file a dispute until they settled. i called back again after they gasawrtlwd right by then, I received the refund of {$3500.00} from Chime. Of course I was very pleased! 

But then on the morning of XX/XX/XXXX, I got an email correspondence from Chime telling me that their investigators determined they were not liable for my losses! And that they were going to be withdrawing the {$3500.00} from my account. They did so, leaving a balance of - {$3500.00} in my checking account. That means when my Social Security check arrived that day, all it did was pay off the minus balance. I called to complaini after I got the email from the company and after the company took the money out of my account. I wanted to talk to the people who investigated and find out why they determined they were not liable. I eventually got to talk to a young man who said he would reopen the case, and then he would send me an email with a link in it that I could use to upload documents. 

To his word, I got the email, and I attempted to use the link. The link did not work no matter how hard I tried I just couldnt get it to work. I tried emailing back. It turns out that it was a no reply email address. Feeling mightily frustrated and that i had exhausted my opportunities with Chime to get my money back, i have turned to you for help! 

None of the charges were authorized by me, therefore, I would think that the bank is liable for them. I hope you will agree and that you will help me get my money back. Im a XXXX XXXX retiree who lives on her Social Security check every month. The {$3500.00} taken out of my account on XX/XX/XXXX required my Social Security check to cover the negative balance so now I have nothing to live on for the whole month. Im very worried about this as you can imagine. 

please help me right this wrong and get my money back from chime!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to login to my free Transunion account online to get my free credit report. My username and password did not work. When I asked to reset my password it asked to send it to my email address, XXXX. I did this LAST WEEK and got an error code that said : Unable to send passcode due to txemail iterable service being down. We can't move further. Please contact the support team. 

I tried again today, days later, and got the same error message. I tried multiple ways to sign in and it always tried to reset my password. The last time today, it asked for my social security number and last name and date of birth. I typed that information in correctly and it again wanted to reset my password and it had the correct email address to reset my password ( so it did recognize my account ) and when I tried to reset the password, it tried to send the reset to my email and I got the same error message. 

So I called their toll-free number and got some XXXX. I asked her if she was in the United States and she said, " No. '' I'm not giving my identity information to someone over an insecure phone line. 

I want my free credit report. Throughout, TransUnion wanted to sell me an account to replace my free account. Why would I pay for their XXXX? I've had this problem in years past. They're no better at it now. I'm not going to be extorted to buy an account from them. The law requires them to give me a FREE credit report annually. I want it and I want account to my FREE account to make sure that XXXX who answered my telephone call isn't stealing my identity - or any other person.

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 2025-03-10 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing this response regarding Apple Card XXXX Goldman Sachs Bank USA ) Dispute case number : XXXX and XXXX ( Transaction date : XX/XX/year> Merchant name : Agoda.com XXXX XXXX Disputed amount XXXX {$770.00} ). 

I had contacted Apple card multiple times and told them I never authorized such charge. I received a few pages of documents from Goldman Sach bank in the mail. However, the documents only show a transaction but none of the documents shows my authorization. There was no signature signed contract, there was no verbally agreement of any kind. There were only a few computer records but none point it to me authorizing the charge. 
Here are a few points from me : XXXX. The unauthorized charge happened at night while I was sleep. I reported the unauthorized traction on XX/XX/XXXX, XXXX XXXX time when I woke up from sleep and saw the transaction. Apple card has a record of my phone conversation with apple card specialist. That is within 24hrs of this unauthorized transaction. Why Apple card can not stop it or mitigate the damage? The Agoda record showed the hotel booking using my card was from XX/XX/XXXX to XX/XX/XXXX. For five days, no one did anything to limit the damage even though I had reported the authorized charge to the bank! 

2. The support documents from XXXX  only shows they have my personal information like my name, address and credit number. There is nothing shows how I authorized the XXXX transaction while I was sleeping in the XXXX. XXXX collected my information during my XXXX trip which was XXXX to XXXX of XXXX  for hotel booking. However, I left XXXX on XXXX of XXXX  and not in XXXX at all. I did not authorize them again to do any transaction two months later on XXXX with my personal information and credit card number. 

3. The support documents are from XXXX side of record. It did not rule out if any system error or hacker involved that lead to this transaction. I did not sign for it and I did not verbally agree to it either. In fact, I was not even aware of the transaction until the next morning. 

XXXX. After all, I did not ask for any service or receive any service. I did not authorize this transaction. I reported this transaction immediately when I was aware of it. However, Goldman Sachs Bank kept denying my dispute and saying Based on our review, the original decision will remain because there is no evidence to substantiate the claim every single time. The bank was not reasonable and the bank never called me back. How can I provide any evidence when I did not even order anything from XXXX. The bank and XXXX itself never able to prove or show I signed off anything relate to such transaction. A few pages of computer record of the transaction is not a proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AZ

Complaint narrative:
I Reached out to Experian, XXXX, and XXXX notifing them that they are reporting incorrcct information that is a result of identity theft. I supplied them with the FTC Identity thefit form completed as well as my police report. I also gave all needed info such as account numbers and amounts. Sometimes the inforamtion was temporarily removed to be later reinserted. They have also made claims that the information was verified but were unwilling to provide me the information explain how they did so. The fact that this information has been removed before tell me it isnt accurate and that they are willfully report incorrct information which is a volation of the FCRA. 
This has only been futher proven to be true based on the CFPB sueing Experian for sham Investigations of Credit Reort Errors which you can find on their website which came out on XX/XX/year>. Id also like to draw attention to the CFPB 's lawsuit against XXXX on XXXX XXXX which said that the CFPB orders XXXX to pay XXXX XXXX for imporper investigations of Credit Reporting Errors. They are reporting incorrct information intentionally and it is negstively affecting me and millions of Americans. I demand that ALL the incorrct information be removed to never be reinserted again. Id also like an updated copy of my consumer 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony XXXX XX/XX/year>, there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief