vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
On Wednesday XX/XX/year>, I went I had XXXXXXXX XXXX XXXXXXXX pull my credit to get me financed for a XXXX. Last time I looked at my credit score through the Experian app was the day before. It was showing around XXXX. I receive a phone call around noon saying that my credit score was XXXX pulled from Experian. I look on the app and my credit score had dropped XXXX points overnight to XXXX, without explanation. Still not XXXX. I called Experian and told them what happened. I also questioned how often this actually happens. Experian representative admitted that the incorrect score was sent to the dealer. The resolution that was offered was for me to go back to the dealership and show the XXXX ( still not correct ) credit score on the app so my interest could be adjusted. I said that is not how that works. The dealer will not take information on an app over information they receive directly from Experian. I wasn't offered anything further. Between then and XX/XX/year>, I continue to call Experian without reaching anyone that could help me in any way or anyone who seemed concerned.

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 2025-03-13 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my W2.

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 2025-03-13 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and my W2.

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 2025-03-13 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:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

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 2025-03-13 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: IL

Complaint narrative:
I am writing to formally request the removal of a paid and closed account from my credit report with your company, as it is reporting inaccurately across the credit bureaus. 

The account in question is [ XXXX ], and it appears as a charged-off account on my credit report. However, I have noticed that there is a discrepancy between the credit bureaus. Specifically, on XXXX, my payment for [ XX/XX/year> ] is listed as being paid on time, while on Experian, the payment is reported as 30 days late. 

Given that the account has been fully paid and the discrepancy in how the payment was reported to the credit bureaus, I respectfully request the removal of this paid and closed account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the accurate reporting of my payment history. The discrepancies on my credit report could be considered a violation of the FCRA, which mandates that all information provided to the credit bureaus must be accurate and complete. 

I kindly ask that you review the information regarding this account and take the necessary steps to update the reporting, including removing the paid and closed account entirely. If there is any additional information or documentation needed from my side, please let me know, and I will provide it promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration.

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 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have several accounts with Chase Bank. I had a need to transfer money to an external account that was not linked with Chase. I completed their procedure to add the external account and verify two deposit amounts. This was completed successfully and the account added as an external transfer option. After requesting a transfer to this newly created account I received a fraud alert text asking to confirm the transfer with a 'yes '. I replied 'yes ' and receive a reply saying the transfer would be processed.

Shortly thereafter, I received notice that the transfer was marked as fraud and was cancelled. The external account link was also removed from Chase.

I called the fraud department and they were no help at all with this situation. The seemed to be unable to view any of the transactions that occurred and only gave me canned responses that the transaction was marked as fraud and I could also never again link this external account. This causes me great hardship and difficulty in managing money and using Chase as my back. I wish to register this complaint and will begin to look for another institution that handles my transactions with better accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> while traveling in XXXX XXXX, XXXX i hailed a cab and at the end of the cab ride, the cabbie said i could pay for the cab ride using my credit card. He had a " Clip device '' and he ran my credit card. I got out of the cab and discovered he had charged it for {$530.00}, a clearly fraudulent amount. I immediately opened a dispute on my Citibank app and instead of typing the dispute amount as XXXX, in my panic i entered XXXX and hit submit. I later realized my mistake and i immediately called Citibank upon my return to the United States on XX/XX/XXXX. I explained to Citibank Dispute center as to what had happened. But they said that the dispute had been resolved in my favor for {$5.00} ( this dispute has been resolved **within 1 business day of my opening it** without giving me any time at all to correct it ) and there was nothing they could do to re-open the dispute. I have tried to talk to Citibank for 3 months now and i am really frustrated that they are not able to re-open the dispute for the correct amount of XXXX. The Dispute number which is Resolved in my favor with the incorrect amount of XXXX is XXXX. On XX/XX/XXXX, in an attempt to force open the dispute, i withdrew it on the Citibank app and called into the Dispute Center again to get them to re-open it. Hence the dispute XXXX shows as XXXX. 

I am really frustrated by Citibank that they can not go after fraudsters and for the XXXX network to allow a fraudster to operate on its network. We need to root out these fraudsters and that step only begins with pursuing them.

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 2025-03-13 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:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

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 2025-03-13 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: Aldous & Associates, PLLC
State: PA

Complaint narrative:
ALDOUS AND ASSOCIATES XXXX are reporting this collection account on my credit report. I have no knowledge of this account I've never signed an agreement with this company I've never done business with this company I didn't authorize this company to obtain or have any of my personal private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-13 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: NV

Complaint narrative:
Im extremely frustrated by the errors on my report that are unfairly hurting my scores and blocking opportunities I should have access to. These mistakes have already caused setbacks I dont deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The fair resolution to this issue is for the inaccurate/ unknown accounts to be removed from my credit report. I demand for these accounts to be deleted immediately or I will file for litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: 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 explanation
Consumer complaint received 2025-03-13 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX are reporting this collection account on my credit report. I have no knowledge of this account I've never signed an agreement with this company I've never done business with this company I didn't authorize this company to obtain or have any of my personal private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

10. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

11. The status is incorrect for the following account DE
PT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete.

DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

13. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be dele
ted DEPT OF EDUCATIONXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

15. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : Name : XXXX XXXX XXXX XXXX XXXX Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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 were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be removed/updated.

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 2025-03-13 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: PA

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-03-13 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: PA

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX  loan debt in full.

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