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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
noticed an unauthorized withdrawal from my bank account with XXXX XXXX on XXXX XXXX. This transaction was not authorized by me, nor did I make this withdrawal. The amount of the unauthorized withdrawal was XXXX. They took unauthorized money which was my personal money to cover any other charges on my account. Which put me at an higher amount. I am disputing an unauthorized withdrawal that occurred from my XXXX XXXX. The withdrawal was made by XXXX ( the car rental company ), and I did not authorize this transaction causing a downward spiral on my account and which sabotages my credit report which hurts me poorly in trying to apply for anything.The charge was related to a car rental under insurance replacement, where the insurance company was responsible for payment, not me. This payment was paid in full. The insurance company had already paid XXXX directly for the rental car, and they were not authorized to take additional funds from my card. However, XXXX took funds from my account in the same amount the insurance had already paid them, without my consent or knowledge of charger, effectively charging me double for the rental. I did not provide authorization for XXXX to charge my card at all since the payment was already settled by insurance. When I noticed the unauthorized charge, I immediately contacted XXXX to dispute the transaction, but they did not resolve the issue. Instead, they reported the charge-off to the credit bureaus, marking my account negatively for this unauthorized transaction. Additionally, I discovered that XXXX had made an unauthorized credit inquiry on my account on XXXX XXXX. I did not apply for credit with XXXX, nor did I authorize them to check my credit report. I have filed a report with the FTC regarding this fraudulent activity and attempted to resolve it with XXXX XXXX several times and XXXX and the other credit bureaus. American heritage did not grant me sufficient help with this matter nor did XXXX XXXX XXXX me it was non disputable even though it was wrongly done and I showed proof it was paid for and that they were unauthorized to pull funds from my bank card. However, the unauthorized charge-off and inquiry remain unresolved, and this has negatively impacted my credit. I immediately contacted the bank to dispute the transaction, but instead of resolving the issue, the bank charged off the account, marking it as a negative item on my credit report. The charge-off was reported to the credit bureaus as a negative entry, even though it was the result of fraudulent activity. I have restrictions from my bank and cant not get credit or apply for anything and has negatively impact me for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
good day my name is XXXX XXXX XX/XX/XXXX on XXXX XXXX i walk in to truist bank in XXXX ga and open secred card XXXX then got a letter saying my accounts where closing XXXX XXXX and XXXX had a blanced of XXXX that on hold due to fraud i dont know what fraud they speaking about i open this account and i willike my account reopend

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: 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: VA

Complaint narrative:
I am failing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a responsible investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.A as highlighted in the CFPBs resent administration preceding.

Some accounts are listed below. 
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

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: 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: NJ

Complaint narrative:
I have reported several accounts that Ive had no knowledge of and the accounts keep coming back as accurate. I have requested information used to determine these accounts are accurate and have no heard anything!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear XXXX XXXXXXXX XXXX This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: TX

Complaint narrative:
I was reviewing my credit report on XX/XX/year> and noticed many many inaccuracies on a closed account for XXXX XXXX Account # : ( XXXX ), the account recently closed in XXXX but is still reporting inaccuracies which is causing a detriment in my score and credit report. I was even given back my {$200.00} security deposit from when I started the secure credit card to my knowledge of good standing with the creditor. I have never missed a payment with XXXX XXXX, especially since the closing and now they are reporting inaccurate late payments, inaccurate reporting, and causing negative effects on my score. I would want nothing more than to remove this account from my credit report and stop reporting to my credit report.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was reviewing my credit report on XX/XX/year> and noticed many many inaccuracies on a closed account for XXXX XXXX Account # : ( XXXX ), the account recently closed in XXXX but is still reporting inaccuracies which is causing a detriment in my score and credit report. I was even given back my {$200.00} security deposit from when I started the secure credit card to my knowledge of good standing with the creditor. I have never missed a payment with XXXX XXXX, especially since the closing and now they are reporting inaccurate late payments, inaccurate reporting, and causing negative effects on my score. I would want nothing more than to remove this account from my credit report and stop reporting to 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 2025-02-17 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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: 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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: NJ

Complaint narrative:
Experian is falsely reporting inaccurate information on my credit file regarding my XXXX XXXX XXXX account ( Account # XXXX ). Experian is the only credit bureau misreporting my payment status as Paid, was past due 30 days two or three times, while XXXX and XXXX both correctly report it as Paid or Paying as Agreed. This discrepancy raises serious concerns about XXXX failure to ensure maximum possible accuracy as required under 15 USC 1681e ( b ). Furthermore, Experian is wrongfully reporting late payments for XXXX and XX/XX/year>, which are completely inaccurate. If two other major credit bureaus are reporting this account correctly, why is Experian the only one making this mistake? This suggests either gross negligence or willful noncompliance with federal law. Under 15 USC 1681i, I am formally disputing these errors, and Experian is legally obligated to conduct a reasonable reinvestigation and correct this misinformation immediately. If Experian fails to correct this inaccurate reporting, it will be in direct violation of the Fair Credit Reporting Act, exposing itself to potential legal consequences for reckless disregard of federal regulations.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
information being reported on my consumer report does not belong to me.

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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
noticed an unauthorized withdrawal from my bank account with XXXX XXXX on XXXX XXXX. This transaction was not authorized by me, nor did I make this withdrawal. The amount of the unauthorized withdrawal was XXXX. They took unauthorized money which was my personal money to cover any other charges on my account. Which put me at an higher amount. I am disputing an unauthorized withdrawal that occurred from my XXXX XXXX. The withdrawal was made by XXXX ( the car rental company ), and I did not authorize this transaction causing a downward spiral on my account and which sabotages my credit report which hurts me poorly in trying to apply for anything.The charge was related to a car rental under insurance replacement, where the insurance company was responsible for payment, not me. This payment was paid in full. The insurance company had already paid XXXX directly for the rental car, and they were not authorized to take additional funds from my card. However, XXXX took funds from my account in the same amount the insurance had already paid them, without my consent or knowledge of charger, effectively charging me double for the rental. I did not provide authorization for XXXX to charge my card at all since the payment was already settled by insurance. When I noticed the unauthorized charge, I immediately contacted XXXX to dispute the transaction, but they did not resolve the issue. Instead, they reported the charge-off to the credit bureaus, marking my account negatively for this unauthorized transaction. Additionally, I discovered that XXXX had made an unauthorized credit inquiry on my account on XXXX XXXX. I did not apply for credit with XXXX, nor did I authorize them to check my credit report. I have filed a report with the FTC regarding this fraudulent activity and attempted to resolve it with XXXX XXXX several times and XXXX and the other credit bureaus. American heritage did not grant me sufficient help with this matter nor did XXXX XXXX XXXX me it was non disputable even though it was wrongly done and I showed proof it was paid for and that they were unauthorized to pull funds from my bank card. However, the unauthorized charge-off and inquiry remain unresolved, and this has negatively impacted my credit. I immediately contacted the bank to dispute the transaction, but instead of resolving the issue, the bank charged off the account, marking it as a negative item on my credit report. The charge-off was reported to the credit bureaus as a negative entry, even though it was the result of fraudulent activity. I have restrictions from my bank and cant not get credit or apply for anything and has negatively impact me for years.

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: FL

Complaint narrative:
I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Over the last past XXXX yrs I've trying to get these problems resolve the remove it and wait and place it back on my report, I have written letters they say they never receive them, I have tried calling am placed on hold for hrs. 

XXXX i called them they sent me to through XXXX different people, items to my credit report without my permission, nothing was done by the company. 
I've done this several time with letters and phone and nothing is being done.

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