vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I recently received my master card debit card from Money Network as I am on XXXX right now have had several issues with this bank ( money network ) I activated my card as soon as I received and even sign up with them so I would be able to check my account activity I then went to ATM to withdraw money only XXXX dollars ( XXXX XXXX ) was not able to withdraw with alert saying unable to process your request I then to different banks XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ATM and was unable to withdraw same alert message as I was going to different ATM I spoke to XXXX Reps from money network they all said nothing was wrong with card to keep trying I finally had enough and tried to transfer money to my bank checking account from my money network card and got message saying unable to process transfer I had already sing up to their portal I tried 3 times and with same response. XXXX only able to charge at this point. This all happen on Sunday XX/XX/XXXX and I spoke again XX/XX/XXXX to another XXXX regarding my issue apparently everything on their end was fine nothing wrong with card XXXX mentioned maybe it was atm tellers? I said it was weird because I went to XXXX different tellers? and to keep trying I tried again transferring and withdrawing money on XX/XX/XXXX and same issue. This is Money Network has very bad customer service when you finally get a Representative nobody wants to help or do research I dont know why would XXXX XXXX would do business with them if they have horrible reviews on line from clients. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 tried on several attempts to send TransUnion documentation related to my disputes. I have opened a dispute 4 times and TransUnion claims that they never receive the disputes I keep initiating online, although I continuously upload them online over and over again. They also claim they have not received my documentation which I have uploaded 4 times. TransUnion needs to fix this issue so that consumers are able to properly address errors on their credit reports. I spoke with a representative in the XXXX XXXX Department on XX/XX/XXXX, XXXX and was told that they could use my FTC report number due to their negligence and ineffective online system that they receive complaints about daily. The accounts that need to be removed from my credit reports immediately are 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 2025-04-18 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Id Theft victim. Had personal information stolen. It appears several accounts were opened in my name and now I'm trying to remove these things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-04-18 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: FL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items, unauthorized inquiries and incorrect personal information listed on my credit report. To facilitate identity and address verification, I included copies of my drivers license, Social Security card, and a recent utility bill showing my current address. 
On XX/XX/year>, Equifax responded with a letter requesting the same identification documents I had already provided, without addressing or investigating the disputed items. This failure to thoroughly review my dispute and supporting documents violates FCRA Section 611 ( a ), which requires consumer reporting agencies to investigate disputes within 30 days and correct or remove inaccurate information. Equifaxs refusal to conduct a proper investigation has allowed unverified negative items to remain on my credit report, adversely affecting my credit profile. The continued reporting of inaccurate information has harmed my creditworthiness, limiting my access to credit and causing financial distress. 
To support my claim, I have included a copy of my dispute letter along with identity verification documents ( Drivers License, Social Security card, and utility bill ), a XXXX XXXX mail receipt with tracking number # XXXX, and Equifaxs response letter dated XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently submitted a dispute regarding the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX The dispute result was returned as verified, but I was not provided with any documentation or method of verification as required by the Fair Credit Reporting Act ( FCRA ), Section 611. 


I must reiterate : stating verified without providing actual proof is not sufficient under federal law. If you can not produce legally valid verification and full documentation, I demand this account be removed from my credit file immediately. 


The FCRA requires that upon my request, the credit bureau must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and phone number of the furnisher who was contacted. 
These accounts are closed, and I am requesting that you either : 1.Delete the account ( s ) from my credit report due to failure to provide verification ; or 2.Provide complete and accurate documentation verifying the debt, including the method used to verify it. 

Please complete your reinvestigation within 30 days. I also request that you send me an updated copy of my credit report reflecting the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 recently submitted a dispute regarding the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX The dispute result was returned as verified, but I was not provided with any documentation or method of verification as required by the Fair Credit Reporting Act ( FCRA ), Section 611. 


I must reiterate : stating verified without providing actual proof is not sufficient under federal law. If you can not produce legally valid verification and full documentation, I demand this account be removed from my credit file immediately. 


The FCRA requires that upon my request, the credit bureau must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and phone number of the furnisher who was contacted. 
These accounts are closed, and I am requesting that you either : 1.Delete the account ( s ) from my credit report due to failure to provide verification ; or 2.Provide complete and accurate documentation verifying the debt, including the method used to verify it. 

Please complete your reinvestigation within 30 days. I also request that you send me an updated copy of my credit report reflecting the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 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 2025-04-18 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: CA

Complaint narrative:
I am disputing these accounts and inquiries because they are fraudulent and unauthorized. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Inadequate Settlement Payment Equifax Data Breach To : XXXX ; XXXX To Whom It May Concern, I am writing to formally dispute the additional settlement payment of {$14.00} issued to me in connection with the Equifax Data Breach Settlement. 

As a verified victim of the XXXX data breachone of the largest and most damaging breaches in U.S. historyI was led to expect a fair and reasonable compensation for the long-term risk, inconvenience, and distress caused by Equifaxs negligence . The exposure of deeply sensitive personal information, including my Social Security number, date of birth, and other critical identifiers, has placed me in a permanent state of vulnerability, and the remediation efforts provided thus far fail to meet the severity of this violation. 

The original settlement clearly stated that consumers were eligible for up to {$120.00} in alternative cash payments, and reimbursement of up to {$20000.00} in expenses for identity theft-related damages or time lost. I adhered to the claim process in good faith, with the understanding that the compensation would reflect both the collective settlement value and the personal risk each claimant was subjected to. 

A supplemental payment of {$14.00} is not only disappointingit is insufficient and, in my view, legally questionable. It does not align with the court-approved guidelines nor with the commitment made to affected consumers This isn't even good enough to buy a roll of toilet paper. It's ridiculous and disrespectful after our information has been exposed or sold to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX XXXX  I paid the sum of $XXXX to Capital One Quicksilver XXXX  Reference/Confirmation # XXXX  being the total amount owed them by me for their credit card Number XXXX XXXX XXXX This paid off should have appeared on my credit report but it is still showing that I have past dues, late payment and owing them. This is not true.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased windows on XX/XX/year> and opened Lowes account at same time. Synchrony Bank finances Lowes cards. Notifications and Security were sent to my email. I would complete and submit to Synchrony Bank with help from Lowes Associate who worked in Windows Department of XXXX XXXX XXXX Lowes . I was receiving emails but not the last email which would have my card number on it and is what I needed to complete purchase. 
Lowes Associate asked Synchrony Bank staff if she would give the number to me over the Lowes landline. She did. I gave to Lowes Associate. I never received my card in the mail and it was used fraudulently in the next few days. I reported this and not receiving card. I subscribe to tracked mail so I receive photos of my mail before it is sent. Never a photo of the Lowes card was received by me. Reported this to Synchrony Bank and they say they sent out a new card. I never received it and it was never on my XXXX tracked mail but is being used. Lowes staff off the record have admitted that they have an internal fraud problem. Synchrony Bank and Lowes staff set me up.

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 2025-04-18 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:
I remain deeply concerned that my credit report still contains inaccurate and incomplete information. Despite multiple efforts to correct this, the issues persist and continue to unfairly affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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