vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I give Experian permission to proceed with this complaint Re : Formal Dispute Failure to Remove Inaccurate Address, Bankruptcy, and Fraudulent Account | Violation of FCRA & FDCPA To Whom It May Concern, I am formally demanding immediate action pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, regarding multiple unresolved and unlawful entries on my Experian credit report. 
1. Obsolete and Inaccurate Address Despite several disputes and formal requests, you have failed to remove an outdated and incorrect address from my credit report : XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX This address is not my current residence and has no valid reporting basis on my file. Keeping this address listed violates FCRA 1681e ( b ), which mandates that you maintain only accurate and up-to-date information. Your repeated refusal to correct this error constitutes negligence and willful noncompliance with federal law. 
2. Inaccurate Public Record XXXX  XXXX Bankruptcy My Experian report lists a XXXX  XXXX bankruptcy that is either outdated or misreported. You are required under FCRA 1681i to verify public record entries with original sources. Your failure to provide a valid source or confirmation of direct verification ( as per FCRA 609 ( a ) ( 1 ) ) is a breach of your legal responsibilities. Unless you can furnish evidence of lawful reporting and verification from the original court ( not XXXX or third-party sources ), this entry must be deleted immediately. 
3. Identity Theft XXXX Account # XXXX This account belongs to XXXX  ( XXXX XXXX XXXX ) and is listed under account number XXXX. This entry is the result of identity theft, and I have no contractual or financial relationship with XXXX. 
I am invoking my rights under the FCRA and the Identity Theft Enforcement and Restitution Act. This account must be blocked and removed immediately per FCRA 1681c-2, which requires the blocking of fraudulent information once identity theft is reported.

I am attaching all supporting documentation, including : Copy of my government-issued ID Proof of my current address Police report or FTC Identity Theft Affidavit

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 2025-05-21 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

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 2025-05-21 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

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 2025-05-21 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: NY

Complaint narrative:
I'm writing to dispute an item on my credit report that is incorrect and needs to be addressed immediately. After reviewing my report, I found information that either doesnt belong to me, is inaccurate, or was added without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint regarding a charged-off account reported by Capital One that is currently appearing on my XXXX credit report. The reporting is misleading, inconsistent, and fails to reflect the actual status of the account. It shows both charged off and past due simultaneously, which is not accurate under credit reporting guidelines. 

Additionally, I am a person living with a XXXX and am protected under the Americans with Disabilities Act ( ADA ). I have made repeated attempts to reach out and explain my situation and request assistance through a goodwill adjustment or reasonable accommodation, as allowed under the XXXX and federal guidelines for accessibility. Despite this, Capital One has not offered any resolution, has not responded to my hardship letters, and has not made any effort to work with me in good faith. 

This issue is severely impacting my ability to move forward. I am currently in school in a XXXX  program, earning high honors despite being XXXX. I am also actively rehabilitating my life, rebuilding credit, and pursuing homeownership. This continued inaccurate reporting is blocking access to financial opportunities and disproportionately affects me as a XXXX consumer trying to recover from past hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, continental finance fit card has violated my rights. Under 15 usc 1681 section 602 it states that I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Fit card has also violated my rights by excessively harassing me with multiple phone calls after I have asked them to stop calling me. They call all day and after hours.

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 2025-05-21 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is refusing to delete accounts on my report that was open as a result of identity theft and fraud. 
I gave them initially the FTC report with such accounts, they refused and asked for my driver 's license. Yesterday I did that, and now they are back again refusing this FTC all together and flat out obstructing my FCRA 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint concerns several pieces of inaccurate personal information being reported on my Equifax credit report that I have previously disputed without resolution. Equifax is continuing to list the name XXXX XXXX as a former name and is also reporting an employer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, with an original hire datenone of which is accurate, verifiable, or belongs anywhere near my credit file. I have never gone by the name XXXX XXXX, nor have I ever been employed by or had any contact with XXXX XXXX. These errors are highly concerning and are causing unnecessary confusion and misidentification when it comes to my credit profile. 

Equifax has failed in its duty to maintain the integrity of my consumer file and reinvestigate disputed items thoroughly. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a proper reinvestigation within 30 days of a dispute. Furthermore, under 15 U.S.C. 1681e ( b ), they are obligated to follow reasonable procedures to ensure maximum possible accuracy. The presence of these unrelated names and employers suggests either gross negligence or possible contamination of my file due to a past data breachsomething Equifax has a documented history of failing to address adequately. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light serious concerns regarding Equifaxs handling of consumer disputes. In a lawsuit filed against them, the CFPB alleged Equifax conducted sham investigations and repeatedly failed to meet the investigative standards mandated by law. Equifax 's ongoing refusal to verify and remove these inaccuracies demonstrates the same type of noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I have excellent payment history for 5 years now. my credit score never goes up. Experian penalize me for a account almost six years old with a XXXX balance. my score never changed in 5 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 2025-05-21 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: VT

Complaint narrative:
My card was taken and used for {$1800.00} in transactions and they have not made good on the charges. These charges were not me and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

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 XX/XX/XXXX -- {$4300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-21 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 have been consistently making payment of >= {$250.00} XXXX  towards my student loans in attempt to pay off as quickly as possible ( total monthly out of pocket >= {$500.00} ). The combination of my payments far exceed the monthly amount requested by XXXX each month ( {$130.00} ). XXXX gives the option to pay by specify loans so I have been using that option to target the highest interest loans first ( I have been doing so for years and no issues ). Doing so, Ive been able to successfully pay off at least XXXX of my student loans and well on my way to paying off another with the goal of paying off all my student loans by end of year. Unbeknownst to me, I check my credit report today to see my score drop by XXXX points. I was originally at XXXX and now at XXXX! Keep in mind I am in the middle of attempting to purchase my first property. Now this will affect my interest rate for mortgage loan and what makes it worse, they refuse to remove the delinquency off my credit report. Their only solution is to put my account in forbearance to make it current but wont do anything for my credit report. How is that ethical??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I contacted Experian, TransUnion, Equifax. I explained to them that I haven't applied for credit in over XXXX  years. I also told them I had a credit freeze and lock and had a note on all XXXX  bureaus to call me if anyone 's trying to get credit in my name. Experian I have XXXX inquiries, TransUnion XXXX inquiries Equifax XXXX inquires. None of these are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I contacted Experian, TransUnion, Equifax. I explained to them that I haven't applied for credit in over XXXX  years. I also told them I had a credit freeze and lock and had a note on all XXXX  bureaus to call me if anyone 's trying to get credit in my name. Experian I have XXXX inquiries, TransUnion XXXX inquiries Equifax XXXX inquires. None of these are mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
My information has been exposed on multiple accounts and multiple times. No action wad taken until now. Too many companies exploited 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 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I am a XXXX citizen who was taken advantage of through unethical business practices by Syncrony Bank. Over half a year ago, I was solicited to open a Syncrony Bank Credit Card for my vet expenses called Care Credit card. I was told that my purchases will have a promotional 0 percent interest for over a year when I incurred internet and fees. I reached out for clarification and an adjustment. The Care Credit Syncrony Bank representative informed me that my finance charges have been charged monthly over a 5-month span due to a charge that was under a certain amount threshold. He informed me that only higher charges qualify for the no-interest promotion. The representative also informed me that my account was enrolled in XXXX protection, which I did not sign up for. I was told that I needed to contact XXXX to cancel it. The rep also told me they may be closed, and I might get disconnected a few times. When I shared with the representative that I was not informed of their promotional policy, otherwise I wouldn't have charged the amount to the card, since I would not want to incur any interest, she apologized and said she can not do anything about this. I also informed her that I did not sign up for XXXX XXXX XXXX either. Her response was the same. I requested to speak to a XXXX, and the response was the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-21 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AN USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AN USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

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