vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate late payment report on my credit file related to my Kikoff account. My account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Despite making 100 % of my payments on time, my payment history shows a late payment, which is incorrect. 

I have attached supporting documentation from XXXX XXXX, which confirms that my account was always current and never delinquent. This inaccurate reporting is negatively impacting my credit score, and I am requesting an immediate correction to reflect my perfect payment history. 

I have already attempted to resolve this issue with Kikoff, but no corrective action has been taken. Therefore, I am requesting the CFPB to investigate and ensure that this false late payment is removed from my credit report. 

Please advise me on the next steps in resolving this matter. Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
Help creating a dispute letter using the code 1681 0 for civil liability, negligence and non compliance.

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 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX charge-off account in the amount of {$340.00} from my credit report. This account, which I disputed, was deleted from my XXXX credit report following the completion of their investigation on XX/XX/year>. XXXX deletion of the account confirms that it is unverifiable and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the accuracy and completeness of all information they report. As XXXX has completely deleted this account, you are now obligated to remove the same account from my credit file to maintain compliance with federal consumer protection laws. 

In addition, the FCRA requires that credit reporting agencies remove any information that can not be verified. Under FCRA 609 and 611, if an account is found to be unverifiable or lacks sufficient evidence, it must be deleted immediately. I request that your agency conduct an investigation and remove this account from my credit report within 30 days from the date of receipt of this letter.

Should you fail to comply with this request, FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. If the account is not removed within 30 days, I may pursue legal remedies, including suing for damages for failure to uphold your obligations under the law. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed from my credit file, or provide documentation proving its accuracy and validity. 

Failure to act promptly will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
I received an American Express gift card for XXXX from a relative. The balance is {$25.00}. I have tried at multiple in person and online vendors and have been unable to use the card anywhere. It consistently gets declined. This seems to be a consistent issue with these cards, and something needs to be done about it as people are absolutely throwing money away on these non-functional cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Persistent Errors, Unresolved Disputes, and Unjust Credit Score Impact To Whom It May Concern, I am writing to formally escalate a series of ongoing issues I have encountered with TransUnion since XXXX. Despite my repeated efforts to resolve these matters, I have faced significant barriers to communication, unresolved disputes, and unjust damage to my credit profile. 

Failure to Provide Legally Mandated Credit Report ( XXXX ) : In XXXX, I requested a free credit report under the Fair Credit Reporting Act ( FCRA ) after being denied credit based on information in TransUnions file. To date, I have not received this report, which I am legally entitled to under Section XXXX of the FCRA. 

Account Lockout and Coercive Tactics ( XX/XX/XXXX ) : On XX/XX/XXXX, I was abruptly locked out of my online account and denied access to correct inaccuracies in my credit report unless I enrolled in a paid membership plan. This practice appears manipulative and violates my right to dispute information without financial pressure. 

Unresolved Disputes and Unjust Score Impact : I have repeatedly disputed two collections accounts that do not belong to me. TransUnion has neither provided a substantive response nor validated these debts with written proof, as required by law. Instead, my FICO score was reduced by XXXX points without justification. Notably, XXXX and XXXX both investigated identical disputes and corrected the errors promptly, confirming these accounts are not mine. 

Poor Communication and Refusal to Reinvestigate : TransUnions customer service has been unresponsive and dismissive. Representatives claim the accounts are verified but refuse to furnish documentation or allow further disputes, leaving me without recourse to address clear inaccuracies.

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 2025-02-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information Request for Investigation Under the FCRA Dear Trans Union I am writing to formally dispute the accuracy of certain information in my credit report. The items I am disputing are listed below : Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these matters. In addition to the investigation requirements under 15 U.S.C. 1681i, please be advised that consumer reporting agencies are mandated to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681o ). Failure to adhere to these requirements may result in civil liability. 

Specifically, I request that you : Conduct a prompt, full, and fair reinvestigation of the disputed items.

Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable.

Provide me with written confirmation of the investigations results along with an updated copy of my credit report.

I respectfully ask that you complete your investigation within the 30-day period required by the FCRA and provide me with a detailed explanation of your findings. If my dispute is not resolved to my satisfaction, I reserve the right to pursue any and all legal remedies available under the FCRA for any damages resulting from non-compliance with these statutory requirements.

Please send all correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Account Dear Credit Reporting Agencies, I am writing to formally request the removal of a XXXX XXXX XXXX XXXX  closed account with a reported balance of {$0.00} from my credit file. I previously disputed this account with XXXX, and after their investigation, the account was deleted from my XXXX report on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Since XXXX has completely deleted this account, it is evident that the account could not be verified. Therefore, you are legally obligated to remove it as well. 

Additionally, FCRA 609 grants me the right to request proper verification of any account appearing on my credit report. If your agency can not verify this account within 30 days, as mandated by FCRA 611 ( a ) ( 5 ) ( A ), you must delete the unverifiable account from my report. 

If this account is not removed within the legally required timeframe, I will take appropriate action under FCRA 616 and 617, which grant me the right to pursue legal remedies for willful or negligent noncompliance. Furthermore, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. This serves as my final request before pursuing further action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchase a gold bracelet to the jewelry store as a surprise gi for my wife. It was too small for my wife. XXXX a week, came back to the store to retun it and the sales lady who sold the bracelet is the same person who receive the return of my bracelet. XXXX few months, i receive a statement saying i owe them amount XXXX. I called them right away with explana! on, the guy who I TALK TO OVER THE PHONE SAID HE WILL TAKE CARE OF IT AND CLOSE THE ACCOUNT. The merchant was Commenity bank or Iddeal card. AFTER FEW MONTHS, I BEEN RECEIVING MULTIPLE CALLS FROM THEM. I did call them back to talk to supervisor and EXPLAIN EVERYTHING, she did make a notes from my statement. Unfortunately, s! ll receiving the calls and receiving statement that I am late for the payment. Pls. help me to 7x my issue. And my credit history shows that I owe them which I dont owe them anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
My identity was stolen a few years ago to open a credit card. Afterwards, I froze my credit to prevent this from happening. Despite this, Current Financial allowed someone to open a card in my name with frozen credit. I have screenshots of a conversation with an employee where they admit they issued the card without doing a credit check, which explains why the freeze didn't prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
There has been a inaccuracy on my credit report, I discovered some collection account that i am not associated with and I will like this to be investigated and removed with immediate effect because reporting inaccuracy on my consumer profile violated my consumer right, fair credit act 15 USC 1681 does not permit supplying of false information i do not have nothing to do with the following account or neither am I aware of it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
There has been a inaccuracy on my credit report, I discovered some collection account that i am not associated with and I will like this to be investigated and removed with immediate effect because reporting inaccuracy on my consumer profile violated my consumer right, fair credit act 15 USC 1681 does not permit supplying of false information i do not have nothing to do with the following account or neither am I aware of it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
Dear CFPB and Equifax Regarding a pre-printed computer generated letter designed to delay the deletion of negative items on my account. 
Following my request to delete medical debt from my account for the XXXX XXXX XXXX XXXX  XXXX Equifax deceitfully changed the lenders name on my report ), I received a computer generated letter suggesting that Equifax needed my Social Security card and drivers license however, on all of my complaints, I include my Social Security card and drivers license. On XX/XX/year> I asked for clarification of the letter. I have received no response whatsoever. The letter suggested that I needed to send them my Social Security card and drivers license however, on all of my complaints both of these have been included. I also spent six hours getting in touch with their customer service who agreed that the letter sent to me by Equifax seemed odd, especially when they have been sent a copy of my drivers license and Social Security Card already. 
Please see CFPB complaint number XXXX XXXX XXXX. I asked for clarification in that complaint as to why Im being asked for my Social Security card and drivers license when each and every complaint already contained these. I also spent six hours getting in touch with an agent from Equifax and resubmitted my drivers license that came from my authorized cell phone and I called in from my authorized home phone. I was also forced to send a selfie. I have been confirmed to be verified by Equifax. I also answered 10 security questions. Repeatedly asking for the same information over and over and refusing to give me clarification is a FCRA violation as it is done by by Equifax to delay resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
this is in addition to the complaint I filed : Complaint # XXXX this is in addition to the information previously filed. I received the letter from Achieve serviced by XXXX point dated XX/XX/XXXX stating I was delinquint and HELOC has been suspended and disbursement request against the line will no longer be honored as of XX/XX/XXXX. The reason for the suspension is due to loan is delinquent. 
Another error on their part as I am not deliquent.!! 
They need to reinstate disbursement request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I spoke to Synchrony about my XXXX XXXX  XXXX Account. I was charged a {$1.00} fee for a paper statement. They are claiming that I did not sign up for paperless, billing, I contend that I was set up for paperless billing. I made a payment on XX/XX/XXXX online. Once a customer registers online, typically they are prompted to to sign up for paperless billing. I was told by Synchrony that they automatically set customers up for paperless and paper billing for 60 days and then after that time, if the customer does not sign up for paperless billing, they charge $ XXXX. I was credited the {$1.00}, however, my concern is the other thousands of customer who do not take the time to call for the credit. It is crazy that I had to waste my time to get {$1.00} back. I spoke with a person, who only reads what is on their screen and was difficult to understand. Also, the charge itself is questionable. Some people do not have access to technology and can not accept paperless billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 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: NC

Complaint narrative:
Refusing to remove all old soft and hard inquiries, as well as inquiries by companies without my permission through experience, equines, and transition! These are also showing up through XXXX XXXX and unable to dispute anything through their site with a live agent! 

Experian, Equifax, and Transunion 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

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 2025-02-16 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: NC

Complaint narrative:
Refusing to remove all old soft and hard inquiries, as well as inquiries by companies without my permission through experience, equines, and transition! These are also showing up through XXXX XXXX and unable to dispute anything through their site with a live agent! 

Experian, Equifax, and Transunion 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

Company response to consumer: Closed with explanation