vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over XXXX  days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX  XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX XXXXXXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-03 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-01-03 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX INQUIRIES : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dispute Letter, Debt Validation Request & Immediate Update Request Round Point Mortgage : Account XXXX Citi : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the XXXX XXXX Under the XXXX XXXX, individuals and businesses were provided relief measures to mitigate the financial impact of the XXXX. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

XXXX  of XXXX & XXXX  : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the XXXX XXXX  or the potential assistance I may have been entitled to during the XXXX period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame. 

Request for Form XXXX If this debt has been canceled or XXXX, I request that you provide me with a copy of XXXX  Form XXXX for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt. 


Debt Validation Request from Citi Bank : Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Validation of the debt, including the original agreement establishing this account. 

XXXX. A detailed accounting of the current balance, showing how the total balance was calculated. 

I trust that you will address this matter promptly. Please respond in writing within XXXX  days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank
State: IL

Complaint narrative:
I experienced unethical practices with XXXX XXXX that severely impacted my XXXX XXXX. While traveling internationally in XX/XX/year>, I was unable to access their website to pay the annual fee due to blocked access from the country I was visiting. Despite multiple international calls, I couldnt resolve the issue. I eventually sent the payment via my bank, yet they reported a XXXX late payment. After I explained the situation, they accepted responsibility and removed the late report. 

After closing the account to avoid future issues, they re-reported the XXXX late payment, despite previously removing it. This caused my XXXX XXXX to drop from the high XXXX to the XXXX. Blocking account access, providing no alternative payment options, and penalizing customers for their own failures are unacceptable practices. I request an immediate correction to my credit report and a review of these harmful policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX XXXX & XXXX Procedure in case of disputed accuracy, and XXXX XXXX XXXX & XXXX XXXX ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and whish to ensure that all the information is 100 % correct and accurate. 

XXXX are the accounts I am requesting to be reinvestigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am requesting an investigation into these accounts as there appears to be an error regarding their accuracy on my credit report. These accounts were removed previously but have since been re-added without my knowledge. I was neither notified about their return nor received any communication about this via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was charged a late fee and found out this has happened 3 times this year. This card wont accept electronic payments from me therefore I must pay by check. My bank says they are receiving the payments on the due dates, but the card says they receive later. It appears the card is holding onto the checks so they can charge late fees. The person I spoke with told me I should call them or pay online with them inconveniencing by not allowing me to keep record of my payments with my bill pay service. When I asked to have the late fees reversed she hung up on me.

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 2025-01-03 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: GA

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies are highly injurious to my credit rating. 
. XXXX XXXX  XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( a ) 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 2025-01-03 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: SC

Complaint narrative:
I am formally requesting your assistance in addressing multiple unauthorized credit inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( XXXX. XXXX ), specifically XXXX XXXX, entities must have a permissible purpose and my explicit authorization to access my credit report. I have identified several inquiries that I did not authorize or consent to, in clear violation of this law.The inquiries that was unauthorized were XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Additionally, I am deeply concerned that my personal information has been compromised due to my involvement in several data breaches over recent years. As a result, my information may have been accessed by malicious actors, leading to these unauthorized inquiries. I didnt apply for credit with the listed entities, nor did I grant written or verbal permission for them to access my credit report. The unauthorized access to my credit report and misuse of my personal information due to data breaches have caused significant harm, including a negative impact on my credit score. Increased risk of identity theft and financial fraud. Emotional distress and time lost addressing the impact.

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 2025-01-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there XXXX no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau XXXX ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau EXPERIAN ] has claimed that the disputed account have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXXXXXX ( XXXX ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
XXXX XXXX. XXXX ( XXXX ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 
XXXX XXXX. XXXX : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX. XXXX ( a ) ( XXXX ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under XXXX XXXX. XXXX, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau XXXX ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 

I also believe that the actions of [ Credit Bureau EXPERIAN ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

Sincerely, 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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX someone accessed my XXXX account and stole XXXX dollars from me and Bank of America XXXX refused to refund me the money even though its not my fault

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Social Security XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief