vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am submitting this complaint because Innovis is reporting information about me without providing a means to access or dispute this information. I have attempted to create an account and request my credit report/dispute errors, but have been denied access. 

Per 15 U.S. Code 1681, Innovis is in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. This constitutes a failure to follow reasonable procedures to assure maximum possible accuracy and transparency. 

I formally demand the immediate deletion of all data Innovis has on file related to me, and I opt out of any further reporting or collection of my personal data without my expressed consent. 

This failure to allow access or corrections directly affects my ability to ensure accurate credit reporting and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to complaint ID # XXXX and XXXX I have spent hours on the phone with Experian trying to resolve this issue, it has all started over their incorrect reporting my address when i disputed this originally I did it online and uploaded my id this started in XXXX of XXXX then as of XX/XX/year> they locked my credit report, on XX/XX/year> I mailed a certified letter that they received on XX/XX/year> which I will attach documents, they never updated the address, now they are stating they don't have these documents and I need to revalidate after doing so twice. This is no way my fault by them reporting inaccurate information and me trying to fix the issue, nor is it at my fault that they do not have the correct information after receiving the information mailed.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/2025, I sent a certified written dispute to Credit Acceptance Corporation regarding multiple late payments being reported on an auto loan account. The letter was received and signed for on XX/XX/2025, according to XXXX tracking. 

In this letter, I formally requested an investigation and validation of the reported late payments under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 611, which require data furnishers to report only complete and accurate information and to investigate disputes in a timely and verifiable manner. 

I specifically identified concerns including : XXXX XXXX XXXX compliance violations, where multiple late payments appear to have been reported for a single delinquency. 

*Inconsistencies across credit bureaus, suggesting erroneous or duplicate data furnishing. 

*Failure to provide documentation supporting the accuracy of each delinquency. 

To date ( XX/XX/2025 ), XXXXredit Acceptance has failed to respond or provide any verification. They continue to report these negative marks to the credit bureaus, which violates FCRA 623 ( a ) ( 1 ) ( A ), as the information has been formally disputed and not properly verified.

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 2025-04-04 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:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CATHAY BANK
State: MA

Complaint narrative:
I called the headquarters on Tuesday XX/XX/year> after the branch refused to to open a bank account with safe deposit box. The headquarters confirmed I can open a normal bank account with a safe deposit box and adding my moms name to the safe deposit box. But the branch refuse to do so.

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

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX PACES XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account # XXXX Dear XXXX XXXX : Your XXXX loan account appearing on my Experian credit report is inaccurate and damaging my credit rating. This account shows as opened on XX/XX/XXXX and closed in XX/XX/XXXX. 
I dispute the accuracy and completeness of this information. Please provide full documentation regarding the circumstances surrounding this account, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. 
If you can not provide such documentation verifying this account belongs to me, you are obligated to remove the account from my credit report at once. 
Additionally, please provide verification of : XXXX. The original loan application with my signature XXXX. Complete payment history showing how the account was paid and closed XXXX. Documentation showing your legal right to report this account to credit bureaus Please direct your response to the address listed above. I expect a response within 30 days as required by law. 
Sincerely yours, XXXX XXXX Phone : 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 2025-04-04 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: IL

Complaint narrative:
I'm filling a complaint against equifax and experian for failling to properly investigate my disputes regarding inaccuracies in my credit report. Disputes submission Equifax and experian consistenly response within XXXX hours stating the account is accurate, without providing any evidence of a thought investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandate a response investigation of disputes. Furthermore, Equifax and Experian actions may also contravene the Consumer Financial Protection Act ( CPFA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceedings ( File No XXXX ) against them for similar violations. I request CFPB take action to ensure Equifax and Experian complies with federal law and provides Consumers with the necessary proof of investigation.

Experian : Account : XXXX XXXX XXXX XXXX Equifax Account : The XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX

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

Complaint narrative:
What happened was, I recently reviewed my credit report and noticed that some of the personal information listed is inaccurate. In particular, the addresses are outdated, and the listed employers are no longer current. I would appreciate it if this information could be updated to reflect my most accurate and recent details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened an account with {$6000.00} XXXX tried to make an online account when I received my debit card in the mail It said to verify with XXXX time verification code via my text Text never came ( maybe because my phone bill is under my husband? ) They locked the account I tried calling multiple times, countless hours but they would not let me access. 

I just want to close the account at this moment, and the balance mailed back 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 2025-04-04 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX reported me late on paying a credit bill. I paid the amount listed on my portal site however, XXXX XXXX card said the payment was a different amount and reported me late and lowered my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion. 
Details of the Dispute : XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 
XXXX. Incorrect XXXX XXXX : I request that my new phone XXXX, be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that TransUnion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt 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 2025-04-04 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: KY

Complaint narrative:
Experian shows that {$2.00} deposit I redeemed XXXXXXXX XXXX which was applied to phone bill of XXXX making amount paid of XXXX and Experian report for internet with Xfinity is wrong.I don't have any Internet with them only phone. I also pay XXXX to Experian. When the XXXX reoccurring charges are added up Experian has it that I am overdraft. They said they can't see the information from their app but these charges have me XXXX In the red. XXXX they dropped my score but THEY CAN NOT TELL ME WHY. I see it. XXXX knows too. Experian has lied. Hung up on me. Sent me to wrong departments. I was going to reapply for another loan on car as I have PAID 47 % IN 13 MONTHS AND I CAN'T BECAUSE OF EXPERIAN All because of XXXX XXXX XXXX Reward

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 2025-04-04 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: MO

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

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 XXXX XXXX. 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 2025-04-04 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-04 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-04 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:
Per 15 USC 1681, you are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

According to the FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report.

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

Complaint narrative:
Per 15 USC 1681, you are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

According to the FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report.

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 2025-04-04 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: TX

Complaint narrative:
Per 15 USC 1681, you are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

According to the FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report.

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 2025-04-04 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief