vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: MD

Complaint narrative:
TransUnion did not due to proper investigation into several Hard inquiries leading to a decrease in credit score which then made any loan be at a higher rate. This affected two car loans and a mortgage loan increasing the cost of well over XXXX XXXX over the course of the loans. TransUnion had a data break that caused my rating to be lower than it should have been. Additionally request to remove data I.E Personal, Hard Inquires, Removal of Late Payments under disputes submitted using 15 USC 1666B and 168152 request repeat thereby causing a reduced ratting and causing the increase rates for loans or credit card request and has cause denial for this causing hardship financially

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I have been in the hospital so payment have not been made timely due to this circumstance, yet I have NOT been 30 days late, yet they keep calling every day. 
They call me several times a day, text and they have CONTACTED my son and daughter and told them about this debt and all other information that they are NOT allowed to discuss in any way ... this company has MANY complaints for this exact violation and they need to be stopped!! They called them on the same day in XXXX back to back. This is a violation of the Act. Please fine them or close them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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 2025-02-21 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified accounts that are not mine and that I have no affiliation with whatsoever. This is not only unjust, but it is also extremely concerning. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to a correct and accurate credit report, and these discrepancies should not be adversely affecting my creditworthiness. I request a full and immediate investigation into this matter, with all inaccuracies corrected. If this issue is not addressed promptly and properly, I will have no choice but to pursue legal action to protect my rights.

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 2025-02-21 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: MS

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 2025-02-21 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: OH

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my accounts I have noticed some that I am not familiar with. I have asked the credit reporting company for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reposting the information I am not familiar with. Please review the attached FTC complaint, my ID, SSC, a copy of the NPD report showing that my information has been exposed in a national data breach, and validation of dept failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and Transunion data breach.

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 2025-02-21 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( 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 non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
This is not an error, and I need this matter addressed immediately. My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. I have repeatedly come across these inaccuracies, and despite my efforts to correct them, they remain unresolved. This situation is extremely concerning and has caused me ongoing stress and anxiety. It is unacceptable that incorrect information continues to affect my credit and financial stability.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I got fraud alerts from my credit monitoring. There were 2 hard inquiries made with my information to : 1. Barclays Bank Delaware on XX/XX/year> and XXXX. XXXX XXXX on XX/XX/year>. 
Both of these were fraudulent and not me. I notified of the parties above and there has been no resolution to remove these from my credit report. 
I am requesting deletion of these hard inquiries 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 2025-02-21 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: NY

Complaint narrative:
Your company has inquiries on my credit report that I never approved

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 2025-02-21 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: WI

Complaint narrative:
MY NAME IS XXXX XXXX. MY NAME IS NOT XXXX XXXX OR XXXX XXXX XXXX. I AM NOT XXXX XXXX. I BELIVE THAT THE INFORMATION ON MY CREDIT REPORTING IS INCORRECT AND FRAUDULENT PER THE ACCOUNTS OR FTCS LISTED ON MY CREDIT REPORT. 
18 USC 1028A 15 USC 1681s-2 ( a ) ( 1 ) ( a ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is also a breach of my privacy rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission to furnish any of my information.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I send to Equifax and filed a complaint with CFPB also I attached proof of identity and FTC report. Equifax says my FTC report was invalid I called customer service to guide me what exactly they " found '' on my FTC report to be " invalid '' Which I know they are lying because my personal information was accurate. 

These Hard Inquiries do not belong to me, were not initiated by me. I demand that they are deleted immediately. They have not been authorized by me and they have to be removed. 
XXXX XXXXXXXX XXXX - XXXX2024 XXXX XXXX XXXX - XXXX2024 XXXX  - XXXX2024 XXXX XXXX XXXX - XXXX-2024 XXXX and XXXX recognized my FTC was valid and I successfully removed this fraudulent hard inquiry. Again, I will attached FTC report and Please remove these fraudulent hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/scrub>/2025 four ( 4 ) retail credit lines ( PayPal, XXXX, Care Credit and XXXX XXXX XXXX ) that I had open for many years with Synchrony Bank were arbitrarily closed. 

The accounts had a cumulative available credit limit of {$75000.00} ( XXXX - {$35000.00}, Care Credit - {$20000.00}, PayPal - {$10000.00} and XXXX XXXX XXXX - {$10000.00} ). 

The current balances on ALL cards was {$0.00}. 

In fact, my XXXX  account and Care Credit account had BOTH received credit limit INCREASES earlier in the month of XXXX - my XXXX XXXXccount increased from {$16000.00} to {$35000.00}, and my Care Credit account from {$15000.00} to {$20000.00}. 

I have NEVER had a late payment on any of these accounts, nor any other account. I have many credit lines and maintain impeccable credit with a nearly 800 FICO across all 3 major bureaus. 

The fact that I received credit limit increases, and then arbitrarily had all of my credit lines closed in the same month is absolutely absurd. The bank cited a routine review that decided I was a credit risk. It would seem that their extension of additional credit deemed me a risk, which is entirely contradictory to the approval of the increase. The bank should simply have put a credit limit cap on the amount they were willing to extend to me, versus extending the credit and then reviewing my account to determine I was a risk. In my opinion, this is entirely fiscally irresponsible behavior. Due to the substantial decrease in my available credit, it is entirely possible that their decision may negatively impact the consumer credit that I have worked tireless to build, across all of my creditors. From past experience in the credit industry, I know that an event like this can trigger panic and action from other creditors, which is also unwarranted, and can have a cascading and damaging effect. 

The policies of this institution should be reviewed, as I also noticed that many other consumers have had something similar happen. In an environment where access to credit is so important to our economy, this type of reckless abuse can cause irreparable harm to consumers. 

As issuers, they should have a more clear limit of how much credit they are willing to extend to a customer so that they, themselves, do not trigger a customer going over a certain threshold within their own, internal credit network. The fact they offer multiple consumer cards means that their decision has impacted my purchase ability across multiple outlets that I frequently utilize. 

I would like to request a review of this banks financial responsibility to consumers in the issuance of its credit, and reviews, as well as subsequent decisions to close accounts.

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