vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Dispute of Bankruptcy Reporting in Error Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit reports, as it does not belong to me and is the result of an erroneous match due to having the same name as another individual. This bankruptcy is inaccurately reported under my name on my Experian and TransUnion credit reports. 

I have never filed for bankruptcy in my life. I recently visited the U.S. Bankruptcy Court in [ City Name ], and I spoke with a clerk named XXXX, who confirmed that I have no bankruptcy records in the court 's system. XXXX also confirmed that the bankruptcy currently reported on my credit report belongs to another person with the same name, XXXX XXXX, who resides in Ohio. 

XXXX further informed me that the courts do not report bankruptcy filings directly to credit bureaus. Rather, credit bureaus often make errors and report information incorrectly, such as in my case, where another individuals bankruptcy was mistakenly matched to my name. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccurate or misleading information appearing on my credit report. The bankruptcy currently reported on my Experian and TransUnion reports does not belong to me, and as such, I am requesting that it be permanently deleted from both of my credit reports. 
Please investigate this matter thoroughly, as required under the FCRA, and provide written confirmation that this erroneous bankruptcy has been removed from my credit reports. If you can not verify that the information is accurate, the account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

I expect a prompt response within 30 days from the date of receipt of this letter, as stipulated by the FCRA. Failure to correct this mistake will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-02-04 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: OR

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 forward consumer-provided evidence to furnishers, accepting unreliable responses, 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 to remove or amend the disputed accounts, as Experian 's 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
ITS BEEN MORE THAN 30 DAYS THAT THEY HAVE NOT REACHED OUT TO ME OR SENT ME PROOF TO VERIFY. I have filed several complaints with no response and decided that I would document this and ask you guys for help. 

I ask if the information can not be verified, I request that these items be removed from my credit report according to subsection ( a ) ( 5 ). Please consider this letter as a formal dispute and correct these inaccuracies promptly. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Submitted investigation request for Equifax confirmation # XXXX report # XXXX Submitted investigation request for Experian case # XXXX wrong social security number Case # XXXX Submitted investigation request for Transunion file # XXXX No response received. I am now filing this this complaint regarding inaccuracies on my reports merged with a wrong social security number, name and addresses that are not mines.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. This account is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$110.00}

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 2025-02-05 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. This account is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/year> Total fraudulent amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

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 2025-02-04 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:
Data Breach from multiple agencies listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app transactions. I have submitted multiple transactions that were not authorized. They charged me to replace my card and denied my claims. Dates going back too XXXX of XXXX to XXXX of XXXX. My card has been replaced 6+ times to the point I now only use the app to move money to my teenagers for allowances. There is no live agent to speak to just automated responses. Claims denied without a way to dispute or appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
Subject : Formal Dispute of Inconsistent and Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate reporting of a creditor on my Equifax and TransUnion credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and verifiable information.

Upon reviewing my credit reports, I have identified a major discrepancy involving the same alleged account but reported under two different creditor names and with two different balances, as follows : Equifax Report : Creditor Name XXXX XXXX XXXX, Balance {$28000.00} TransUnion Report : Creditor Name XXXX, Balance {$29000.00} I am not familiar with either company and have never done business with them. The fact that this account is being reported with two different names and two different balances raises serious concerns about its validity and accuracy.

Under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from reporting inaccurate information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Given the clear inconsistency in how this alleged account is appearing on my credit reports, it is evident that the information is unreliable and must be permanently deleted.

I am formally requesting that Equifax and TransUnion conduct a full investigation into this matter and immediately remove this inaccurate account from my credit reports, as required by the FCRA. If you are unable to verify and correct this account within 30 days, failure to comply will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action. 

Please provide written confirmation once this matter has been resolved. 

Sincerely, 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 — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Today I filed a complaint against Synchrony bank sams club elite credit card, I have 2 other accounts with them Synchrony for other credit cards and now this evening they have decided to close my Lowes consumer credit card which had never been late and has a XXXX balance. it was also one of my longestg standing accounts, Since synchrony bank holds 3 of my accounts this has damage my credit score severely limiting my credit worthiness after years of excellent payment history, and good credit.

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 2025-02-04 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am victim of a data breach & identity theft ( my personal information has been exposed ). Looking over my credit reports I saw an account that wasn't mine. I asked the Credit Reporting Agencies for verification of this debt, but the information was never provided, Due to my info being exposed in this data breach, I have submitted a FTC complaint that has information that I have no knowledge about. I have also submitted a copy of my ID, SS Card and the letters I sent to the Credit Reporting Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Dear XXXX XXXX XXXX : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : auto loan Account Number : XXXX XXXX Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account. Furthermore i believe this was due to the Equifax breach. 


I believe this information is incorrect due to me not having any knowledge of this account or said creditor. 

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information. 

For your reference, I have attached the following supporting documents : Copy of my identification and account. 


Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Taking refuge in the law that protects consumers in the United States, I demand that credit bureaus remove erroneous information from reports, preventing access to new applications. Below we can see the difference in reports.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally complain regarding inaccurate reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the XXXX XXXX collection account that appears on my credit report under the name XXXX XXXX XXXX. 
The date of the first delinquency for this debt was XX/XX/2019 ; however the account has been repeatedly updated and re-aged, making it appear as a more recent collection. This is a direct violation of FCRA Section 605 ( c ), which clearly states that collections may only be reported for seven years from the original date of delinquency and can not be re-aged to extend their reporting period. 

Additionally, this debt has not been properly validated by XXXX XXXX XXXX. 

I have XXXX XXXX XXXX and the credit bureaus in regard tot his account and have been told that this debt has been falsely validated as accurate in its reporting and it has not been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have 2 collections by debt buyer XXXX XXXX on my credit reports. I have contacted all three credit report agencies regarding the debt. One is from XXXX which is 4 years old if not older but XXXX XXXX and XXXX still have not corrected the dates open on each account. The XXXX account is dated 9 months ago but was from 2020 and the XXXX account is also from 2020. I have informed all three agencies reporting this and disputed the accounts but they are not doing their due diligence and keep denying my grievances and complaints. You see I understand that the longer a debt sits the less impact it has on your credit bureau reports but no one seems to care. I have called and filed disputes online. Still nothing is being done. So I am putting in my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: GA

Complaint narrative:
I opened an account with Juno, which utilized XXXX as its banking-as-a-service provider, with XXXXXXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX  On [ Date ], I noticed that I was unable to access my funds, make transactions, or withdraw my balance. When I contacted Juno customer support, I was informed that the issue was related to disruptions with XXXX and XXXXXXXX XXXX However, I was not provided with a clear timeline or resolution plan for retrieving my funds. 

I have made multiple attempts to reach out to Juno, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but I have not received any concrete information on when I will regain access to my money. As a consumer, this situation has caused financial hardship, and I believe these institutions have failed in their duty to provide transparent and reliable financial services. 

I am requesting immediate action from the CFPB to investigate this matter and ensure that I regain full access to my funds. Additionally, I would like the institutions involved to provide a clear explanation of what happened and ensure that similar issues do not occur in the future. If any fees or penalties have been incurred due to this situation, I request that they be reimbursed.

Company response to consumer: Closed with explanation