vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Starting on XX/XX/year>2021 I sent numerous letters and called each credit bureau to remove all the hard inquiries, auto loans, repossessions, collections and student loans from my account because I did not apply for any new credit and was a victim of a credit breach that leaked my social security number to the dark web. XXXX, Equifax or XXXX did not properly investigate these items and kept them on my credit illegally. I have sent numerous letters and have contacted each credit bureau and they have been unwilling to help. I have even called the creditors and they verified that they did not report those items and informed me to call each bureau to get it corrected.

These bureaus have illegally placed negative items on my credit report and have sense hindered me from having a high score and purchasing a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have tried repeatly in the last year more than several times to request this false information that was reported on my credit reports to be removed due to identity theft and these companies continued to ignore my grievances. The dates of request/contact for removal of this fraudelent information were XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & lastly XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have tried repeatly in the last year more than several times to request this false information that was reported on my credit reports to be removed due to identity theft and these companies continued to ignore my grievances. The dates of request/contact for removal of this fraudelent information were XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. XX/XX/year> & lastly XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
All information on the credit report is incorrect and fraud is on my credit report and all things are effecting my score as well as my information was not verified by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
All information on the credit report is incorrect and fraud is on my credit report and all things are effecting my score as well as my information was not verified by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
I want reported accounts removed. 
XXXX XXXX XXXX for {$1400.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX XXXX XXXX XXXXXXXX been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me XXXX XXXX XXXX for {$3100.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX for {$2500.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
to whom it may concern at the corporations known as XXXX XXXX XXXX and LVNV Funding it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed.

on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt.

I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in to be removed.

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 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
An unauthorized inquiry unexpectedly appeared on my credit report this morning, and I have no idea where it came from. I regularly check my report, but this time, there were discrepancies that shouldnt be there. I refreshed my browser to see if it would go away, but it didnt. This situation is incredibly frustrating, and I need my submitted documents to be properly reviewed to prevent this from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and I have no clue why it appeared. I routinely check my credit report, but this time, I noticed discrepancies that caught me off guard. I tried refreshing the page, thinking it might be a system issue, but nothing changed. Im deeply frustrated by this and need the submitted documents to be carefully reviewed so I can put an end to this worry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds with 24 hours stating the account is accurate, without providfing any evidence of a thorough investigate. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 USC. s1681i which mandates a reasonable investigation of disputes. Furthermore Transunion action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC ss 5536 ( a ) ( 1 ) ( A ) ( B ) a highlighted in the CFPB 's recent administrative proceeding the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit which mandates a reasonable investigation of disputes. Furthermore Transunion action may also contravene the consumer Financial Protection Act ( CFPA ) 12 USC ss 5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the ( CFPB 's ) recent administrative proceeding ( File No, XXXX XXXX XXXX XXXX ) again them for similar violations. I request that the CFP take action to ensure Transunion complies with federal law and provides consumer with the necessary proof of investigation. I want reported accounts to be removed. 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 Us Treasury 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to Conduct a reasonable re-investigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experience, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses and failing to adequate notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected or removed disputed items despite evidence provided, causing harm to my credit report. I request immedietly to remove or amend the disputed accounts being violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Charged overdraft fee when some funds where available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have several inquiries on a couple of my reports that i need to dispute, i have done this with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AZ

Complaint narrative:
( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I have a few collections accounts on my reports which do not belong to me. I have disputed these accounts on numerous occasions with all the credit bureaus and they always respond with the information is correct, which its not. I have never had a credit card with credit XXXX bank and I personally called XXXX about the collections account they are reporting and XXXX  confirmed to me that I do not owe them any money and they have no record of such debt. I have sent letters requesting the original contracts with my signatures and it was never sent to me. These collections have been on my report for several years and They do not go away. This has affected my credit scores tremendously. My payment history is at 100 % and has been they way for many many years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year>, I received an Email from Synchrony Bank Verizon XXXX  stating " For a limited time, I could earn 6 % in XXXX XXXX on up to {$2000.00}. in Holiday Purchases. '' I immediately activated the offer, by clicking a link, and on the same day spent {$2000.00}. 
at XXXX XXXX. However, when I received my Synchrony XXXX  statement I only earned 1 % ( {$20.00}. ) instead of the advertised 6 % ( {$120.00}. ). I thereafter called Synchrony to receive the missing Dollars on XX/XX/year> ( Spoke to XXXX XXXX ; XX/XX/XXXX ( Spoke to XXXX ; XX/XX/XXXX ( Spoke to XXXX XXXX ; and XX/XX/XXXX ( Spoke to XXXX, Supervisor in XXXX ). Without intervention, Synchrony is refusing to honor its fraudulent advertising and is most likely cheating millions of other Synchrony Verizon XXXX  Cardholders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The account showed I have money in my checking account and would allow transactions to go through and then I would get multiple overdrafts when I would only spend the amount it showed available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
XXXX, XXXX and TransUnion : I demand my credit be frozen immediately, I have already requested this years ago, but it has come to my attention that there has been many illegal inquiries and information has been shared. freeze immediately. do not share with anyone for any reason. stop collecting information and spying one me to, through things like XXXX and XXXX as well. here is a transcript of another complaint with more information : illegal credit inquiries since XXXX according to 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. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.

immediately destroy any information obtained. cease and desist all business activity, especially related to me. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason. XXXX, lock the report. 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 non-monetary relief