vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
Subject : Formal Dispute of Inaccurate Tradeline Metro 2 Compliance Violations ( XXXX XXXX XXXX, Acct # XXXX ) To Whom It May Concern, I am writing to formally dispute the following inaccurate and non-compliant information on my credit report in violation of **Metro 2 Credit Reporting Guidelines** and the **Fair Credit Reporting Act ( FCRA ) **. The account in question is : XXXX XXXX XXXX  Account # : XXXX Status : Charged Off Metro 2 Violations & Dispute Reasons 1. Incorrect " Date of Status '' ( Metro 2 Field 18B ) - The Status Updated '' date is XX/XX/XXXX, yet the tradeline reports a past-due balance as of XX/XX/XXXX. 
- Violation : The " Date of Status '' must reflect the most recent activity. This inconsistency misrepresents the accounts timeline. 


2. Improper " Account Status '' Reporting ( Metro 2 Field 17 Status Code '09 ' ) - The account is closed and charged off, but the furnisher continues reporting a past-due balance ( {$730.00} ) as if the account were active. 
- Violation : A charged-off account ( Status Code '09 ' ) should not report monthly past-due amounts unless new delinquency occurs ( which is impossible on a closed account ). 


3. Balance Exceeds Credit Limit Without Proper Coding ( Metro 2 Field 8 " Credit Limit '' ) - The credit limit is {$400.00}, but the balance is {$730.00} ( XXXX XXXX  utilization ). 
- Violation : If fees/interest caused the over-limit balance, the furnisher must report it under Field 44 ( Original Charge-Off Amount ) not as an ongoing revolving balance. 


4. Inaccurate Payment History ( Metro 2 Fields 29-32 ) - The last payment was XX/XX/XXXX, yet the **balance was updated in XX/XX/XXXX without justification. 
- Violation : Payment history must reflect XXXX XXXX of verifiable activity. Arbitrary updates without payment activity violate Metro 2 standards. 


5. Missing Dispute Code ( Metro 2 Field 27 " Compliance Condition Code '' )- The comment states " Account information disputed by consumer '' * but lacks the required Metro 2 dispute code ( 'XB ' for FCRA disputes ) **. 
- Violation : Furnishers must use proper dispute codes to ensure compliance with FCRA 623 ( a ) ( 3 ). 


Requested Action Under FCRA 611, I demand : Permanent deletion of this tradeline if the furnisher can not verify its accuracy within XXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem XXXXany inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted four rounds of dispute letters to the credit reporting agencies and creditors ( listed below ). The credit report agencies have not provided any evidence that substantiates the negative items, inaccuracies and inconsistencies currently listed on my credit reports. However, the credit reporting agencies have not deleted the disputed items. 

XX/XX/XXXX - Round 1 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 2 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 3 dispute sent to TransUnion, Experian and Equifax. 

XX/XX/XXXX - Round 4 dispute sent to TransUnion, Experian and Equifax. 

The disputes requested debt validation, proof of original debt statement from creditor, deletions of inaccuracies and inconsistencies between all the reporting agency credit reports. 

The collections agencies in question are as follows : 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 2025-03-29 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: MN

Complaint narrative:
On XX/XX/year> I disputed two XXXX XXXX one for {$440.00} and the other for {$260.00} for not showing debt validation pursuant to 15 us code 1692g ,15 us code 1681a and 1681c pursuant to charge offs for premier bank card/first premier pursuant to 15 us code 1681i pursuant to write offs and XXXXXXXX XXXX pursuant to 15 us code 1692g. All three credit reporting agencies have the same information for me but I disputed Experian. If possible I would like to address all three agencies since they are all providing the same information. I tried to get a bank account from two banks just today and got denied access to start checking accounts today. Also it only took Experian two days to allegedly get the debt validation and other information so they couldn't have gotten the information from the creditor in that time frame. They are not following FCRA guidelines. Thank 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 2025-03-29 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: CA

Complaint narrative:
I am writing to formally report inaccuracies on my credit report. I recently reviewed my credit report and found discrepancies that I believe require correction. The inaccurate information is adversely affecting my credit score and may also impact my ability to access credit, loans, and other financial services. Seen in the attachment screenshot XXXX is reporting a 90 day late in XX/XX/XXXX on Experian, Trans Union , and Equifax but in XX/XX/XXXX TransUnion & Equifax does not report 90 days late but yet Experian does. A 30 day or 60 day late notice was never issued by XXXX. My three active loans from XXXX have been reported inaccurately. You'll also see some inaccuracies Dating back to XXXX of XXXX as well. I don't see how this is possible if all three credit bureaus should be reporting the same information.

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 2025-03-29 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: NV

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We deposited a check for XXXX from a business to complete a contract. 8 days after it cleared that person cried fraud so my bank has a hold on it for 19 days so far.

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 2025-03-29 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXXXXXX

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 2025-03-29 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: MD

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am disputing the information related to the FTC complaint that was filed, as it appears on my credit profile. I request validation of the debt in question to confirm that it belongs to me, XXXX XXXX via using the laws stated in the Fair Dept Credit Reporting Act. If the debt can not be properly validated, I request that it be removed from my credit profile, as it is negatively impacting my life. Please be aware that verification does not constitute validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inquires on a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX. Also, XXXX XXXX on XXXX XXXX & XXXX XXXX on XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-30 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-29 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: MI

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. 

Unauthorized Inquiry : XXXX XXXX TransUnion Date of Inquiry : XXXXXX/XX/year>

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 2025-03-29 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: NV

Complaint narrative:
I reviewed my credit report and discovered several fraudulent accounts that do not belong to me, which I believe resulted from the Equifax data breach. These unauthorized accounts have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of reported information, yet they have not fulfilled this obligation. I have contacted the creditors involved, and they confirmed these accounts were fraudulently opened. Additionally, I am submitting identity theft reports, including an FTC report, to support my claim. I request immediate action to remove these fraudulent accounts and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I instructed Synchrony to take {$3900.00} which was the remaining balance I had on the credit card for that statement. I did this because the online platform said it was going to take {$4900.00} ( the full statement balance ) despite me having paid {$1000.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( the due date ), Synchrony withdrew {$2900.00} by automatically deducting the {$1000.00} I had already which is contrary to instructions and what the online platform said it was going to withdraw. The next day, I paid {$1000.00} to make up for the missing portion of the payment. However, this made me subject to interest on my XXXX statement. Synchrony did the correct thing and returned the interest on XXXX XXXX XXXX However, this technical glitch and XXXX dark pattern removed me from my grace period and made all future charges subject to interest. As a result, I was charged {$28.00} in interest on my XXXX statement. I called Synchrony on XXXX XXXX XXXX again to waive the interest that stemmed from their error. Over the phone, I was told that Synchrony only waived 1 interest charge in a 12 month period and denied my request. On XXXX XXXX XXXX, I submitted this complaint to CFPB. I have attached the email verification on XXXX XXXX XXXX  as well as my XXXX and XXXX statements so that dates and amounts can be verified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXXXXXX XXXX XXXXL Balance {$1900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$250.00} Open Date XXXX XXXX, XXXX inquiries XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/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 2025-03-29 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: MOHELA
State: TX

Complaint narrative:
Good day. 

I have no accounts with XXXX XXXX XXXX  XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your student loan account with XXXX  XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I never attended a XXXX based University. 

Could you please investigate and remove from all credit bureaus? 

This is fraud. 

thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation