vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NJ

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-02-26 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:
Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for failing to comply with the law. I request an immediate investigation and correction of the following erroneous item ( s ) : Disputed Item ( s ) : XXXX XXXX XXXX, XXXX, Error ; XXXX, Beginning numbers XXXX, ERROR ; XXXX XXXX XXXX, Beginning numbers XXXX ; XXXX XXXX XXXX, Beginning number XXXX ; and, there are several other negative marks that need to be removed. 

My account was locked through Experian and XXXX because of fraud. There are t According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. The inclusion of this inaccurate information is damaging and has caused harm to my financial standing. If this matter is not resolved within the legally mandated timeframe of 30 days, I may pursue further legal action, including seeking damages under 15 U.S.C. 1681o, which holds agencies liable for negligent noncompliance.

I expect a response in writing within the legally required timeframe. If you need further information, please contact me using the information provided above.

Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 {$7500.00} Open Date XX/XX/XXXX XXXX Balance {$2600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-26 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: PA

Complaint narrative:
I requested XXXX XXXX credit card to close on XXXX XXXX and from credit report I get to know, it got closed on XX/XX/XXXX. 
Later there was a charge on Credit card on XX/XX/XXXX from XXXX shoes. XXXX allowed the charge and didn't inform me about the charge. 
the last continuous statement that I got was for XX/XX/XXXX. After that I was not getting any statements. 

Out of blue I got a mail from XXXX on XX/XX/XXXX stating XXXX is stopping the product and all current accounts are getting closed and had 7 attachments. I checked few attchements ( Not all ) and all balances was XXXX in those. Also I was not expecting a change on a credit card which was closed more than a year ago. 

Then on XXXX I noticed my Credit score dipped and noticed a charge on XXXX. Then I went back to XX/XX/XXXX mail and found XXXX of the statement our of 7 files had this charge. They send the charge intimation after 8 months. That too not as part of normal intimation, and it looked like a general mail after there product closure. 

As soon as I find the info about that charge I worked with company to pay the charges. 

I informed them If there was an intimation of the charges, I might have worked with roadrunner to revert the charges or paid. Since they didn't info me about the charges my credit score have been affected and its affecting my mortgage rates. When I asked the company about the same. They said they marked the account as paid, they can not do anything more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested XXXX XXXX  credit card to close on XXXX XXXX and from credit report I get to know, it got closed on XX/XX/XXXX. 
Later there was a charge on Credit card on XX/XX/XXXX from XXXX shoes. XXXX allowed the charge and didn't inform me about the charge. 
the last continuous statement that I got was for XX/XX/XXXX. After that I was not getting any statements. 

Out of blue I got a mail from XXXX on XX/XX/XXXX stating XXXX is stopping the product and all current accounts are getting closed and had 7 attachments. I checked few attchements ( Not all ) and all balances was XXXX in those. Also I was not expecting a change on a credit card which was closed more than a year ago. 

Then on XXXX I noticed my Credit score dipped and noticed a charge on XXXX. Then I went back to XX/XX/XXXX mail and found one of the statement our of 7 files had this charge. They send the charge intimation after 8 months. That too not as part of normal intimation, and it looked like a general mail after there product closure. 

As soon as I find the info about that charge I worked with company to pay the charges. 

I informed them If there was an intimation of the charges, I might have worked with roadrunner to revert the charges or paid. Since they didn't info me about the charges my credit score have been affected and its affecting my mortgage rates. When I asked the company about the same. They said they marked the account as paid, they can not do anything more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I applied at PNC branch in XXXX XXXX on XXXX XXXX. After the representative submitted the application I went home and then I called under writing services and the person I spoke to names XXXX told me that I was denied because " I am out of the lending area ''. I didn't know that means and that she explained to me that because I am not located in XXXX and we do not have a branch you can't apply. I live in XXXX so I went to XXXX to apply. 

On PNC website it does not say that if you don't live within the branch you will be denied. I though I have a branch and then I am eligible to apply for credit card. Now my credit got hard inquire for no reason when PNC knows that if you are not within the branch you can't apply. I was not told that if you are not within the branch you can't apply. PNC is not transparent to consumers at all. It is false advertising and they make you apply and then your application get denied. They should state that on their website saying if you do not live in so and so ( for example XXXX branch in XXXX you will be denied ). 
I live in XXXX so I was denied. Before I went to the XXXX branch I even call the PNC credit card number and I told them that I live in XXXX in XXXX and can I apply. 
The rep over the phones says Yes you can apply over the phone too and did not even tell me if you live in the outer boroughs you can't apply because we do not have a branch. I also went to another branch in XXXX and the rep even told me to apply too but did not tell me this policy. I have NEVER gotten a credit denied when ever I apply for a credit card. 
As matter of fact I went 3 branches and they all told me to apply but did not tell me that there is this restriction at all. If I knew this I would not have applied at all and it will not effect my inquire for the 3 credit bureaus.

I want to know how can I resolve this issue? Is it possible I can take inquire off the credit bureau or not because this is not my problem that I was denied and it is not the usual reason because of my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

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 explanation
Consumer complaint received 2025-02-26 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX 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 XXXX XXXX {$720.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$250.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$6700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$520.00} Open 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report related to a vehicle repossession reported by XXXX XXXX. This repossession is unjustly affecting my creditworthiness, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ) due to legal deficiencies and violations of consumer protection laws. 

Upon review, I have identified the following issues that necessitate the removal of this repossession from my credit file : Violation of Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2, furnishers of credit information must report accurate and complete information. If the creditor has failed to properly validate the debt or failed to provide proper notice before repossession, this entry may be deemed inaccurate and unverifiable under the law. 

Failure to Provide Proper Notice Case law, such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that creditors must strictly adhere to contractual and statutory requirements when repossessing a vehicle. If the lender did not provide adequate notice of default or right to cure before repossession, this action may have been unlawful. 

Breach of Peace During Repossession As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), a repossession that involves a breach of peace violates consumer rights under the Uniform Commercial Code ( UCC 9-609 ). If my repossession was conducted in a manner that involved a breach of peace, it may have been legally void.

Inaccurate Reporting After Discharge in XXXX If this debt was included in a bankruptcy proceeding and the creditor continued to report it as outstanding or failed to update the status, this would be a violation of the discharge injunction under In re XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

In accordance with my rights under the FCRA, I request an immediate investigation and removal of this erroneous repossession from my credit report. Please provide a written response detailing the outcome of your investigation within the legally mandated timeframe of 30 days. 

Enclosed are copies of my credit report with the disputed item highlighted, as well as any supporting documentation. If necessary, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 

I appreciate your prompt attention to this matter and look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NV

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports from Experian ( Report XXXX : XXXX ) and discovered that the reported dates for when a credit account was opened were incorrect. Both Experian and XXXX are reporting different and inaccurate dates, which do not reflect the actual date this account was opened. 


I disputed this information online through the dispute portals on both Experian and XXXX. I also called and spoke with a representative from Experian and XXXX to discuss the inaccurate information and request that it be corrected. The representatives acknowledged my dispute but failed to provide a resolution or correct the errors. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, credit bureaus must investigate and correct any inaccurate or unverifiable information within 30 days. 

Despite my dispute, Experian and XXXX have failed to correct the inaccurate account opening date and continue to report incorrect information. This is a clear violation of : FCRA 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy in consumer reports.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate information must be removed or corrected within the required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
XXXX XXXX company has been reporting a credit card as open account on my credit report that has been closed for XXXX years now. It is illegal to be reporting a account that's closed on my credit report that's not accurate. Any information being reported to my credit report that has any discrepancies has to be deleted immediately. I am no longer responsible for this debt with XXXX XXXX I am asking this company to delete this from all three credit bureaus asap. That include Experian, Transunion, and Equifax.

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