vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX Complaint : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 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 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 non-monetary relief
Consumer complaint received 2025-03-25 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I spoke today XX/XX/year> with XXXX, Citi Bank XXXX XXXX to inquire about 3 credit report hard inquiries that were reported by my identity protection over the weekend. They have proven that each Bank has had a credit card application submitted and denied. The individual is using my ss #, first name, maiden name and current address. I do not go by my maiden name. I also received an email from XXXX stating that there was a link to a letter explaining my application denial. I have asked each Bank to report fraud & pull back the hit on my credit. I have also frozen all 3 credit reporting agencies in case there's further attempts.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had two different credit card accounts closed by Synchrony Bank on XX/XX/year>XXXX  : Amazon Credit Card Sam 's Club Credit Card The letters I received stated the reason as : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay '' Both accounts were in good standing. My credit score is over XXXX and I paid my credit cards off in full every week. I used these cards regularly and have had them for many years. 

I was out of town when this happened and had not seen the letters. I tried to order something from Amazon on XX/XX/XXXX and payment was declined. I looked at my XXXX XXXX account to find that both of these accounts had been closed. I imediately called Sychrony Bank and was told by Amazon Synchrony that they would put in a request to see if it could be reinstated and I have not heard back. Sam 's Synchrony told me that it was to late and my only action was to apply for a new card. 

This is very frustrating to me and I just don't understand why they would do this. It seems company 's should at least be required to give more notice to the customer. Thankfully I have other credit cards with other banks. I hope I don't experience this with my other cards in the future. It greatly concerns me that I could be out of town or the country and have my credit cards cancelled. Is there anything a consumer can do to prevent 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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
I owe the state of Indiana {$200.00}. The United bureau collections or UCB for short has taken almost three times as much from two bank accounts that I have. I have called them to advise some of this as well as the original creditor and no one is doing anything. The original creditor is state of Indiana these are state taxes and as I stated the amount has been paid in full but they continue to take money. I was advised there is a system to show when the total amount has been satisfied by the state but no one seems to be paying attention to the system or to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear Midland Credit XXXX, I am responding to your correspondence from the CFPB dated XX/XX/XXXX, ( XXXX ) regarding the accounts listed under my name. While I acknowledge your communication, I would like to ask you to immediately remove these accounts from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 605 ( 15 U.S.C. 1681c ) negative information must be removed from a credit report seven years from the delinquency date. Given that the accounts referenced were purchased on or before XX/XX/XXXX, their continued presence on my credit report constitutes a violation of the law. Furthermore, I wish to highlight that these accounts are unknown to me, raising concerns regarding their accuracy and legitimacy. This situation necessitates immediate action. Under Section 609 ( 15 U.S.C. 1681g ) and Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

I expect Midland Credit Management to take swift action to rectify this situation. Please confirm in writing that these accounts have been removed from all credit reporting agencies. 
Failure to comply with this request may force me to take further action, including filing another complaint with the CFPB, a complaint with the Federal Trade Commission ( FTC ), the State Attorney Generals office, the Better Business Bureau, and other relevant authorities. 
The resolution I sought was a cease and desist, which has been completed with the prior complaint ID- XXXX ). Additionally, I request/ed the removal of the account from all credit reporting agencies and the permanent clearance of the collection file. I require written confirmation of this action without delay. 

Thank you for your immediate attention to this matter. I expect your prompt confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 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:
I am disputing the accuracy of the information reported on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Step XXXX : Send a Strong Dispute Letter to the Credit Bureaus Send this via certified mail with return receipt to force a response within 30 days. 

[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX FL ] [ XXXX ] [ XXXX ] [ XXXX ] [ experian ] [ P.O XXXX XXXX, TX XXXX ] Subject : DEMAND FOR IMMEDIATE REMOVAL FRAUDULENT COLLECTION ACCOUNT To Whom It May Concern, I am formally disputing a fraudulent collection account that has been placed on my credit report without my consent. This account is in violation of federal consumer protection laws, and I demand its immediate removal.

Account Details : Collection Agency : Aargon Agency Inc. 
Amount : {$1200.00} Original Creditor : XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This debt is not mine, and under the Fair Credit Reporting Act ( FCRA ) 604, the furnisher must have permissible purpose to report any debt on my credit report. Since this debt is fraudulent and unauthorized, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809, I am requesting : 1. Full validation of the debt, including a signed contract proving I authorized this account.

2. Proof that XXXX XXXX XXXX has legal authority to collect this alleged debt. 
3. Immediate deletion of this entry if validation can not be provided.

I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). If this fraudulent account is not removed within 30 days, I will pursue legal action for : Willful violation of the FCRA and FDCPA Defamation of character through false credit reporting Emotional and financial damages Attached are the following supporting documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my identity A copy of my credit report with the fraudulent account highlighted I demand written confirmation that this fraudulent account has been deleted within 30 days. If not, I will take further action, including legal proceedings. 

This is my final notice before escalation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-25 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: IL

Complaint narrative:
XXXX Account # XXXX I am filing this complaint against Experian for continued inaccurate and incomplete reporting on my credit file, specifically related to my XXXX XXXX XXXX account, despite multiple disputes. 

Experian is reporting false late payments and showing " ND '' ( No Data ) for several months where payments were in fact made on time. These inaccuracies have persisted even after I submitted disputes with supporting documentation. Experian has failed to correct the errors or properly investigate them, which has severely impacted my credit score, access to credit, and the interest rates Im being offered.

The ND entries imply missing or unreported data, which is misleading and untrue, especially when the account has been consistently paid. These false negatives are harming my credit profile and do not reflect the actual payment history of the account.

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 2025-03-25 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: TX

Complaint narrative:
XXXX financial failed to report my auto loan correctly to the credit bureaus. I dispute to all 3 bureaus and they didn't conduct a proper investigation. They also did not give me notice to attend the auction to purchase my vehicle back which is a violation of repossession laws. They also did not send a deficiency letter with the remaining balance, and when I called to receive it I disagree with the balance they said I owed before and after. They have been sued by the CFPB for not reporting to the credit bureau correctly causing customers harm and I am one of those customers.

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 2025-03-25 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:
XXXX financial failed to report my auto loan correctly to the credit bureaus. I dispute to all 3 bureaus and they didn't conduct a proper investigation. They also did not give me notice to attend the auction to purchase my vehicle back which is a violation of repossession laws. They also did not send a deficiency letter with the remaining balance, and when I called to receive it I disagree with the balance they said I owed before and after. They have been sued by the CFPB for not reporting to the credit bureau correctly causing customers harm and I am one of those customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
XXXX financial failed to report my auto loan correctly to the credit bureaus. I dispute to all 3 bureaus and they didn't conduct a proper investigation. They also did not give me notice to attend the auction to purchase my vehicle back which is a violation of repossession laws. They also did not send a deficiency letter with the remaining balance, and when I called to receive it I disagree with the balance they said I owed before and after. They have been sued by the CFPB for not reporting to the credit bureau correctly causing customers harm and I am one of those customers.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
i was with the credit care and was making my monthly payments and was almost done paying it off until all of a sudden they made a charge of a high unexpected interest rate on my credit card and they are now demanding for full loan repayment by XX/XX/year>. At no point was I notified of this significant change, which appears to be in violation of the Truth in Lending Act ( TILA ).

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 monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as XXXX : XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Date XXXX Balance : {$2000.00} XXXX XXXX XXXX Date XXXX Balance : {$6500.00} XXXX XXXX XXXX Date XXXX Balance : {$4100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain my credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. Listed are the accounts I am asking you to verify as accurate : I would like a thorough investigation ensuring that the accounts are accurate and identical across all three credit reporting agencies. If unable to verify accurate information, please remove from my credit report promptly. Please respond back in a timely manner. 

XXXX Account XXXX XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account 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 2025-03-25 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: GA

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. 

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 XXXX5 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 response to consumer: Closed with non-monetary relief