vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-05 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: ND

Complaint narrative:
My credit report is showing the account is closed but a current balance of {$2400.00} is showing. It says balance was reported most recently on XX/XX/XXXX. It shows Im using 123 % credit. And this account has been closed for years and I paid the collection company off over a year ago as well. I tried disputing as it is effecting my credit utilization on my credit report. The company responded telling me its not showing a current balance its showing the highest credit utilization on the account. This is not true and not how it is showing up on my account. I have XXXX other XXXX credit cards with the same issue. Closed years ago and collections paid off but still showing up with over 100 % utilization and is effecting my credit utilization for my final score. All these accounts have {$0.00} owed but are being reported incorrectly and have negatively impacted my credit leaving me homeless for the last XXXX months. I have screenshots of my credit report that will prove all XXXX accounts with XXXX are showing a current balance and credit utilization over 100 % making my credit score low. I tried calling XXXX they told me they are not reporting a balance but this is not true. They are. I have proof.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I opened a SoFi XXXX credit card due to its balance transfer benefits. On XX/XX/XXXX, when I attempted to complete a balance transfer online, I received an error message. I then tried using the app and encountered the same issue : " Invalid account information We couldn't verify the card information you previously entered. Go back to double-check your information and try again. '' Using the chat feature on the website, I filed a ticket ( XXXX ) to resolve the issue. On XX/XX/XXXX, I called customer service at XXXX for an update and was informed that XXXX does not accept balance transfers from XXXX XXXX XXXX XXXX. I expressed that this restriction was not disclosed when I opened the credit card and received the balance transfer offer. I requested that the issue be escalated to a manager and formally submitted as a complaint.

I believe it is misleading to advertise a service while imposing undisclosed restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Contacted Experian multiple times and the system refused to transfer me to an associate. Experian is telling me I have no freeze on my credit report however this is not correct, XXXX XXXX has informed me multiple times they can not run a 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 2025-02-05 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: NC

Complaint narrative:
EQUIFAX continues to re add fraudulent account to my credit report FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EQUIFAX credit report : FRAUDULENT ACCOUNT : XXXXXXXX XXXX ; XXXX, {$1500.00} this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above. 
Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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.

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responeses, 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 toremove or amend the disputed accounts, as Experian 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 explanation
Consumer complaint received 2025-02-05 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: DE

Complaint narrative:
Im filing this complaint because Experian refuses to delete the fraudulent accounts on my credit report despite my repeated disputes. Ive had enough of this back-and-forth. The accounts in questionXXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX  XXXX ( Account Number : XXXX ) are NOT mine. Ive told Experian over and over, and theyre still reporting them as if Im responsible for them. Whats worse is that XXXX doesnt even have these accounts on my report, so why is Experian still making this my problem? Theyre clearly violating 15 USC 1681b by reporting information without proper permission, and theyre failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. This isnt just a small oversight anymoreits willful under 15 USC 1681n and negligent under 15 USC 1681o. Because of Experians negligence, Im facing real damage. Ive been denied loans, stuck with higher interest rates, and rejected for credit opportunities, and its all because Experian refuses to delete these fraudulent accounts. Im done being patient. Im demanding immediate actiondelete these accounts, fix my credit report, and provide proof of their deletion. I dont want any more weve investigated excuses, incomplete investigations, or delays. Im asking the CFPB to step in and help resolve this because Experians negligence is causing serious harm, and theyre not taking responsibility.

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 2025-02-05 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-05 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XX/XX/year> {$330.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Self Financial Inc.
State: MI

Complaint narrative:
XXXX is violating my consumer rights. They are fraudulently letting SBNASELFLNDR, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and SBNASELFLNDR to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that SBNASELFLNDR isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that SBNASELFLNDR pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AR

Complaint narrative:
Remove listed reported accounts: 
Account Name
XXXX XXXX XXXX  
Account Number	
XXXX XXXX XXXX XXXX
Account Number XXXX  
Address XXXX XXXX XXXX XXXX XXXX, NV XXXX
Phone XXXX XXXX

Account Name XXXX XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX, TX XXXX  Phone XXXX XXXX

Account Name XXXX XXXX XXXX  Account Number XXXX
Address XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, TX XXXX  Phone XXXX XXXX

Account Name
XXXX  XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MA XXXX  Phone XXXX XXXX

Account Name XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MA XXXX  Phone XXXX XXXX

Account Name
XXXX XXXX XXXX
Account Number XXXX
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX  Phone 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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I contacted Macy 's Credit card customer support via chat on XX/XX/year>, regarding an unexpected interest charge of {$180.00} on my account. 

I inquired about an interest charge despite having AutoPay set up for {$65.00} per month, which was more than the stated minimum payment of {$30.00}. The agent XXXX XXXX, informed me that my required payment was actually XXXX, and since I had only paid {$65.00}, I was charged {$180.00} in interest. 

I explained that I was advised at the time of purchase that paying around {$61.00} per month would prevent interest from accruing. To be safe, I set up AutoPay for {$65.00}. 

I never received any notification that my required payment had increased beyond this amount. Had I been informed, I would have immediately paid the additional {$17.00} to avoid the {$180.00} charge. 

The agent acknowledged the issue but stated that interest charges are applied " systematically '' and are " part of the process ''. They apologized for the miscommunication but did not provide a resolution or offer to remove or adjust the charge. 

I was misinformed at the time of purchase about the necessary payment to avoid interest. I was not notified of an increase in my required payment. I was charged an excessive {$180.00} in interest for a {$17.00} shortfall. The company refused to acknowledge or rectify the issue beyond apology. 

I kindly request an investigation into Macy 's billing practices, particularly regarding unclear payment requirements and failure to notify customers of necessary payment adjustments to avoid interest charges. I seek a reversal of the interest charge and improved consumer protections to prevent similar issues for others. 

Thank you for your time and consideration. I appreciate the work you do to ensure fair financial practices for consumers.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-05 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief