vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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:
Subject : XXXX XXXX XXXX Credit Bureaus for XXXX Account XXXX and Resulting Harm I am writing to formally file a complaint against TransUnion, XXXX, and XXXX for inaccurately marking my credit card accounts as being in dispute or fraudulent. This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsRing and XXXX to declined credit card transactions. 
To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 
Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 
The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 
I request immediate corrective action, including : XXXX. The removal of any false dispute or fraud notations on my credit card accounts. 
XXXX. Restoration of my authorized user status on my husband 's account. 
XXXX. The XXXX credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions. 
XXXX. A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 
I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 
I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above

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 2025-02-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-02-14 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: FL

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by Synchrony Bank I am writing to file a formal complaint against SYNCHRONY Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Synchrony Bank has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score. 

Details of Violations : 1. Re-aging of Accounts : Synchrony Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  each month 12 instances 2. Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$56000.00}. 

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Synchrony Bank, the accounts continue to be updated monthly, further exacerbating the damage to my credit score. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 


Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}

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 2025-02-14 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-14 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: NY

Complaint narrative:
No current information can be seen when i or a lender pulls my report it is showing no current information about me or my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: NY

Complaint narrative:
" In XXXX, me and husband ( a veteran ) purchased a home with a down payment from me. Husband left in XXXX ( and passed in XXXX ) and since then, I had been paying the mortgage. 
In XXXX of XXXX, I was offered, and accepted, a COVID Forbearance on VA loan to help me manage loss of income due to COVID. When it came time to come out of the forbearance, I was told I would be granted a program to refinance the remainder of the loan and use a VA partial claim to pay off a portion of the balance so that the payments on the refinance would be affordable. When they attempted to move forward with this program there was a title issue. This title issue caused a delay and by the time it was fixed ( XX/XX/XXXX ) the original underlying mortgage had matured ( XX/XX/XXXX ). The bank is now telling me the only option is to pay the loan in full, or foreclose. I've reached out to the VA but when the mortgage matured, they stopped returning my calls. Foreclosure proceedings will begin on 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 2025-02-14 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:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX 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 2025-02-14 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-14 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:
Subject : Formal Complaint Against Credit Bureaus for Unauthorized Account Disputes and Resulting Harm I am writing to formally file a complaint against XXXX, Equifax, and XXXX for inaccurately marking my credit card accounts as being in dispute or fraudulent. This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsRing and XXXX to declined credit card transactions. 
To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 
Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 
The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 
I request immediate corrective action, including : 1. The removal of any false dispute or fraud notations on my credit card accounts.

2. Restoration of my authorized user status on my husband 's account.

3. The three credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions.

4. A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 
I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 
I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
XXXX unauthorized hard inquiries from XXXX that appear on my credit report. These inquiries, dated XXXX XXXX XXXX were made without my express authorization or a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports to entities with a legally permissible purpose, such as consumer-initiated transactions, court orders, or written instructions from the consumer. I have not applied for credit, authorized, or otherwise initiated any transaction that would justify these inquiries.

According to 15 U.S.C.1681i, I am requesting the immediate removal of these inquiries unless you can provide verifiable documentation proving that I authorized them. Failure to remove these inquiries could result in legal action, as courts have consistently upheld consumers ' rights against unauthorized credit inquiries. Relevant case law includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court ruled that an entity must have a legally permissible purpose before accessing a consumers credit report. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court found that merely offering credit without a firm offer does not constitute a permissible purpose. 

Please be advised that failure to act in compliance with the FCRA may result in civil litigation. I expect a response within 30 days, as required by law. You may send your response to the address listed above. If you require additional information, you may contact me via phone or email.

Thank you for your prompt attention to this matter.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
These are medical bills showing as a collection, that is illegal to be put on my credit report. I was working with a Representative named XXXX and I was working on a monthly payment plan with the last draft out of my account on XX/XX/XXXX. 

Per the new law regulations : New rules will ban medical debt from your credit report. The federal Consumer Financial Protection Bureau on Tuesday issued new regulations barring medical debts from XXXX  credit reports, enacting a major new consumer protection just days before XXXX XXXX XXXX is set to leave office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Re : NAVY FEDERAL CREDIT - XXXX Date opened XX/XX/year> Balance : {$9000.00} I am writing to formally dispute the account referenced above, which has been reported as a charged-off account on my credit report. I believe this account was opened fraudulently, and I am requesting an immediate investigation into the matter. 

I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently, please take the following actions : Remove any negative marks related to this account from my credit report. 
Ensure that the account is marked as " fraudulent '' or " account closed due to fraud. '' Provide me with written confirmation that this account has been cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
No current information can be seen when i or a lender pulls my report it is showing no current information about me or my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
I have police report showing that I have identity theft on me I have sent in the police report to Experian Equifax and Trans Union and nothing has been addressed

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 2025-02-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

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