vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance Owed : {$XXXX} - Chargeoff- XXXX  XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} - Chargeoff- XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} -Late/closed-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance Owed : {$XXXX} - Chargeoff- XXXX  XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} - Chargeoff- XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$XXXX} -Late/closed-

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 2025-03-06 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: CA

Complaint narrative:
I am listing XXXX Fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to file an identity theft report for deletion. I am Requesting Transunion to mark these inquiries fraudulent and remove from my 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
18 U.S.C. 1014 is a federal law that prohibits the knowing making of false statements, including to lending institutions.

Comenity Bank continues to make false and misleading statements to the federal government through the CFPB.

They allude to the fact that they are not the ones reporting the misleading information on my credit report and refer the credit reporting agencies and myself to the new alleged debt owner however, Commenity Bank is 100 % responsible for their reporting of the incomplete information.

The deceitfulness of Comenity Bank and their lack of human compassion has cost me hours and hours of my time and has put tremendous stress on me during a XXXX diagnosis and a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
First of all this debt is XXXX XXXX XXXX I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am a homebound disabled n retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my XXXX  child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( Credit Pros ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard n Im XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MO

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 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 2025-03-06 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: MO

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
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$860.00} & XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX Balance : {$860.00} & XXXX XXXX Balance : {$2100.00}

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 2025-03-06 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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX ( property management ) and XXXX XXXX XXXX ( debt collection agency ) for their mishandling of my rental account, illegal eviction threats, mismanagement of rental assistance payments, and inaccurate credit reporting. Their actions have caused me financial hardship, housing instability, and emotional distress. 

I submitted my XXXX notice to vacate for XX/XX/XXXX, for Apartment XXXX, XXXX XXXX XXXX XXXX XXXX, CA. Despite this, the property manager illegally threatened eviction and forced me to vacate by XX/XX/XXXX, even though I had secured rental assistance through XXXX ( Sacramentos XXXX hardship rental assistance program ). Under XXXX protections, evictions were prohibited during this period, yet XXXX XXXX XXXX XXXX ignored this law and pressured me to leave early. 

Errors and Discrepancies : Rental assistance mismanagement : XXXX paid {$3900.00} for XXXX, XXXX, and XXXX rent, even though I did not live in the unit in XXXX. 
XXXX XXXX XXXX XXXX refunded XXXX {$2400.00} but still attempted to collect additional rent from me without adjusting my balance properly. 
My employer, The XXXX XXXX, issued a check for my XXXX rent, but the property XXXX lost it for a month, then harassed me about non-payment. 
Conflicting balances reported : XXXX letter : {$2200.00} Credit report XXXX TransUnion XXXX XXXX ) : {$2300.00} Resident portal ( previously ) : {$740.00} Resident portal ( updated XX/XX/XXXX ) : {$250.00} ( after multiple calls/emails ) Unjustified charges for damages : They now claim {$250.00} is for damages but have provided no timestamped photos, only an itemized bill. 
Without photographic proof, this charge is unverified and should not have been sent to collections. 
Due to these errors and unjust charges, my credit has been negatively impacted, making it difficult for me to secure stable housing. XXXX XXXX XXXX XXXX  lack of professionalism and poor communication have also caused me unnecessary financial and emotional stress.

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 2025-03-06 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: MS

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA 15USC 1681 by EQUIFAX. This has caused me financial injury and defamation of character. I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit, which is needed during this time in pandemic. This is not only affecting myself, but my children and family as well. Delete these inquiries immediately! 
XXXX XXXXXXXX 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-03-06 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-03-06 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: IN

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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use Chase XXXX through my Chase Reserve Credit Card to book travel, primarily flights. The company appears to be utilizing fraudulent business practices. Here 's how : - When I book a flight, they will charge me immediately for the cost ( understandable ) - Their search engine, if it finds a lower fair, will purchase a ticket for cheaper - This lower fare is NOT passed along to the customer!! 

For example, I purchased a XXXX flight on XX/XX/XXXX for {$580.00} through chase travel. It was ticketed as expected. When I went to grab my receipt for reimbursement ( work travel ), I noticed the receipt was for less ( {$440.00} ). So Chase is pocketing {$130.00} by not passing along the actual ticket cost to me. 

I have been using Chase XXXX on a regular bases for years. I've likely lost out on thousands of dollars due to this unfair business practice.

Company response to consumer: Closed with monetary relief