vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX  XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-17 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-02-17 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX credit card accounts opened at XXXX XXXX on XX/XX/XXXX, and under the account number ( XXXX ) and THE OTHER OPENED XX/XX/XXXX ( XXXX ), a XXXX XXXX XXXX XXXXXXXX XXXX account number ( XXXX ) and XXXX XXXX XXXX XXXX credit card account number ( XXXX ) opened XX/XX/XXXX. A auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) and screen shot of XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is a scam agency! They placed a derogatory account on my credit report. They stated I owed {$140.00} to XXXX. This is FALSE! I do not owe XXXX {$140.00}. I have reached out to XXXX collections department several times to see if there is an outstanding bill. They stated theater is no outstanding bill I owe. I have attached the final bill they sent me from my account. I am a current XXXX customer. How can I be a current XXXX customer if I have an outstanding collections account with XXXX. That doesn't make any sense. This has cost my credit score to drop over XXXX points. I never received any type of bill stating I owed XXXX any money. XXXX XXXX XXXX stated account {$140.00} past due as of XX/XX/year> - Account number XXXX XXXX  Resource Management - XXXX, TX 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 2025-02-17 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: FL

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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint against XXXX and the credit reporting agencies for incorrectly reporting my loan balance, which has negatively impacted my credit score and my ability to purchase a home. 

Despite having no active loan with XXXX and a {$0.00} balance as my loans have been paid in full, XXXX continues to report an increased balance every XXXX  days to the credit bureaus. I am not given an option to make payments on a loan that does not exist, yet this inaccurate reporting persists. 

Impact of Incorrect Reporting : -Credit Score Damage : My credit score remains artificially low, affecting my ability to secure a mortgage.

-Higher Interest Rates & Loan Denials : Due to this false reporting, I have been subjected to higher interest rates and financial losses over the past year. 

-Unresolved Despite Multiple Disputes : I have diligently reported this issue, opened cases with the CFPB, and contacted both the credit bureaus and XXXX XXXX but the problem has not been corrected. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as I am being penalized for an error that XXXX and the credit bureaus have failed to correct despite my repeated attempts. 

Requested Resolution : XXXX. Immediate correction of my credit report to reflect a {$0.00} balance and remove all erroneous reporting by XXXX. 

XXXX. A written explanation from XXXX and the credit bureaus as to why this issue has persisted despite my multiple complaints. 

XXXX. Compensation for financial losses, incurred due to this negligence. 

Due to the significant harm this has caused, I have sought legal counsel to pursue recourse for damages and losses incurred as a result of this ongoing reporting error. 

I request immediate CFPB intervention to ensure my credit report is corrected and that XXXX is held accountable for its failure to accurately report my balance. 

Please provide an update on my complaint as soon as possible.

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 2025-02-17 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: VA

Complaint narrative:
I am filing this complaint against XXXX and the credit reporting agencies for incorrectly reporting my loan balance, which has negatively impacted my credit score and my ability to purchase a home. 

Despite having no active loan with XXXX and a {$0.00} balance as my loans have been paid in full, XXXX continues to report an increased balance every XXXX  days to the credit bureaus. I am not given an option to make payments on a loan that does not exist, yet this inaccurate reporting persists. 

Impact of Incorrect Reporting : -Credit Score Damage : My credit score remains artificially low, affecting my ability to secure a mortgage.

-Higher Interest Rates & Loan Denials : Due to this false reporting, I have been subjected to higher interest rates and financial losses over the past year. 

-Unresolved Despite Multiple Disputes : I have diligently reported this issue, opened cases with the CFPB, and contacted both the credit bureaus and XXXX XXXX but the problem has not been corrected. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as I am being penalized for an error that XXXX and the credit bureaus have failed to correct despite my repeated attempts. 

Requested Resolution : XXXX. Immediate correction of my credit report to reflect a {$0.00} balance and remove all erroneous reporting by XXXX. 

XXXX. A written explanation from XXXX and the credit bureaus as to why this issue has persisted despite my multiple complaints. 

XXXX. Compensation for financial losses, incurred due to this negligence. 

Due to the significant harm this has caused, I have sought legal counsel to pursue recourse for damages and losses incurred as a result of this ongoing reporting error. 

I request immediate CFPB intervention to ensure my credit report is corrected and that XXXX is held accountable for its failure to accurately report my balance. 

Please provide an update on my complaint as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-17 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:
Upon reviewing my credit report, I discovered several unauthorized inquiries, that I do not recognize. I contacted the credit bureau to dispute these hard inquiries requested the removal. Unfortunately, the credit bureaus refused to remove them off of my report. This issue is causing undue stress and is negatively impacting my financial being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I live in the XXXX .Set up an account with XXXX XXXX which was later transfered to Capital One. I learnt the account is now closed. I was promised on numerous occassion that the closing cheque will be sent to me. which they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
when I was searching for a rental house, I found one in which I was interested, someone emailed that it is his house and he relocated for a long-term job and want a responsible tenant to rent it. I agreed and signed a lease agreement and paid {$2200.00} by wire transfer on XX/XX/year>. After, I was waiting for keys and documents to be sent via XXXX, but I did not get them, when I contacted the landlord, I was told to pay {$980.00} first for last month rent, I did as listed in lease agreement. I was given a tracking number for package and the website to tack that number, but the package looked to be on hold and the website said " On hold please contact the sender for assistance ''. I contacted the landlord, he told me that he will contact the shipping company and I also emailed the shipping company asking what going on. The company emailed back asking me to pay for insurance and XXXX so that they can deliver. I refused it and realized that this may be scam.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I had a previous complaint with Citi Bank and on XX/XX/XXXX Citi Bank responded to CFPB and myself by email, they claimed my disbursement check from the closed account in the amount of {$1100.00} was mailed out XX/XX/year>. Till date of XX/XX/year> I have not received my disbursement funds. I have called and tried to speak with executive XXXX and she avoids my phone calls, she says shell call me back. I waited XXXX XXXX hours XX/XX/XXXX for a call back that was never received, she was to call me at XXXX on XX/XX/XXXX and I never heard from her. I am at my wits end with this company, by them refusing to disperse my funds I am being threatened with my car being repossessed, I have stressed this to Citi Bank and it has fallen on deaf ears. I want my disbursement overnighted to me by XXXX I will not accept anything less.

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 2025-02-17 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:
Due to identity theft I had my credit file frozen. Experian removed the security freeze from my account without my prior knowledge or consent. The removal of my security freeze was not initiated by me and therefore gave authorized access. Experian had no right to do that and continue to put my information in jeopardy. Their actions should not be deemed legal and every negative reaction as a result of their account should 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 explanation
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
I am writing to urgently address an issue that has come to my attention regarding a fraudulent account on my credit report. Upon reviewing my file, I discovered an account listed that I did not open, authorize, or have any knowledge of. This account is a direct result of unauthorized use of my personal information, and I am taking immediate steps to ensure it is removed from my credit history. This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.

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 2025-02-17 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: OH

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with explanation