vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: TN

Complaint narrative:
XX/XX/XXXX To Whom This May Concern : I am writing to you regarding several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. I have recently reviewed my credit report and found that the following hard inquiries were made without my authorization or permissible purpose as required under the FCRA : I am demanding these accounts be blocked and removed immediately because it is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ). I repeat I am a victim of identity theft, and I would like to take actions against the perpetrators that's fraudulently using my identification.

To Whom It May Concern, I am formally disputing the following unauthorized hard inquiries on my XXXX credit report. These inquiries were made without my consent, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, you are legally required to ensure that only authorized and permissible inquiries remain on my report. The following inquiries were not authorized by me and must be removed immediately : XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 

Legal Basis for Immediate Removal : 1. FCRA 15 U.S.C. 1681b ( f ) A credit bureau can not furnish a consumer report to a third party without a permissible purpose. If XXXX can not provide documented proof that I explicitly authorized these inquiries, they must be removed immediately. 2. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified, it must be deleted from my file within the required timeframe. 3. FCRA 15 U.S.C. 1681n and 1681o If you fail to comply with my legal rights under the FCRA, I will have grounds to seek legal action for willful or negligent noncompliance. Demand for Expedited Action : I demand immediate deletion of these hard inquiries as they were unauthorized and negatively impact my credit score. I do not agree to wait 30 days, as the FCRA requires accurate reporting, and these inquiries must be removed now if they can not be verified with signed proof of my authorization. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have submitted a dispute on XX/XX/scrub>/24 for 2 transactions with branch.

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 2025-03-08 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: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the Equifax it remains unresolved. I request immediate investigation and removal of this item ( XXXX XXXX XX/XX/year>2025 in the amount of {$660.00} ) as it is incorrect and does not reflect my trust credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TrueAccord Corp.
State: SC

Complaint narrative:
I did not agree to send my invoice to anyone nor to collect anything from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
On XX/XX/XXXX, I noticed a drop in my credit score due to increased utilization, as indicated by an Experian alert. Upon reviewing my credit report, I found that a XXXXXXXX XXXX XXXX was added to my account on XX/XX/XXXX, with an open date listed as XX/XX/XXXX. However, I never opened or applied for this credit card, and I have only had one personal XXXX XXXX  XXXX, which this does not match. 

XXXX customer service identified the card as a XXXX XXXX XXXX but I did not authorize or apply for this account. Additionally, I was redirected to someone suggesting the account might be connected to XXXX XXXX  and a debt from XXXX. I do not recall having a XXXX XXXX  credit card, and it seems impossible to now appear as an account opened in XXXX. The representative informed me that this is most likely a system glitch due to the acquisition of XXXX XXXX. This is unacceptable. This should not be on my credit report. 

Summary of account details : Updated : XX/XX/XXXX Credit usage : 31 % Balance : {$4100.00} Account type : Credit Card Account number : XXXX Reported open date : XX/XX/XXXX I am disputing this account as it does not belong to me and appears to be incorrect. Please investigate and remove it 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 2025-03-08 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I noticed a drop in my credit score due to increased utilization, as indicated by an XXXX alert. Upon reviewing my credit report, I found that a Chase credit card was added to my account on XX/XX/XXXX, with an open date listed as XX/XX/XXXX. However, I never opened or applied for this credit card, and I have only had one personal Chase credit card, which this does not match. 

Chase customer service identified the card as a XXXX XXXX XXXX  but I did not authorize or apply for this account. Additionally, I was redirected to someone suggesting the account might be connected to XXXX XXXX and a debt from XXXX. I do not recall having a XXXX XXXX XXXX XXXX and it seems impossible to now appear as an account opened in XXXX. The representative informed me that this is most likely a system glitch due to the acquisition of XXXX XXXX. This is unacceptable. This should not be on my credit report. 

Summary of account details : Updated : XX/XX/XXXX Credit usage : 31 % Balance : {$4100.00} Account type : Credit Card Account number : XXXX Reported open date : XX/XX/XXXX I am disputing this account as it does not belong to me and appears to be incorrect. Please investigate and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: OH

Complaint narrative:
This credit card keeps changing available limits for absolutely no reason. It was {$10000.00}, then {$4500.00}, then {$1500.00}. I have an excellent credit score, so there's no reason for the card to do this. 

I finally got the card back to the correct limit with XXXX XXXX and they continue to report the card limit incorrectly to TransUnion. I can clearly see that it is a {$10000.00} limit, and they're still reporting it as {$1500.00}. TransUnion has been absolutely ZERO help with this. PLEASE ADVISE AND FIX ASAP!!!! 

XXXXXXXX XXXX IS TERRIBLE!!!! AVOID AT ALL COSTS!!!!!

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 2025-03-08 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: CA

Complaint narrative:
Equifax handled my dispute with a collection claim from 2023 with XXXX XXXX XXXX, and said the collections is accurate. 

I have paid the original creditors, XXXX XXXX XXXX, on XX/XX/scrub>/2023 in full for {$1500.00} as their AUTOPAY system was set up, but failed to withdraw on the first of the month. I received a collection from XXXX XXXX XXXX in XX/XX/year>2023. I disputed the claim successfully with XXXX in 2023. 

Equifax recently handled my dispute and claims that the account is accurate. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both unresponsive. 

The collection claim from XXXX XXXX XXXX and XXXX XXXX XXXX is false and needs to be removed from my credit report. Please see attached for my letter response to XXXX XXXX XXXX, and my payment confirmation. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I opened up account with Indigo credit card. It's said nothing about it being XXXX annual fee in the promotion. Even when I got the paper work I didn't see it was done online. They are taken advantage of people with poor credit and over charging annual fees. On a XXXX credit line I got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I filed a dispute on XX/XX/XXXX about an erroneous negative and duplicated account on my Experian credit Report. The investigation was completed on XX/XX/XXXX and it came back validated and updated as a charge off. This account is from XXXX and the last date that it was active varies on both duplicated XXXX XXXX accounts. They have the same account number but different dates on account activity and payment histories.and balances. One of the duplicated accounts has a last payment date of XXXX and the other comes a date of XXXX. Either way its over seven years and it is reporting unlawfully according to 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed my credit report was reporting wrong and had a bunch of inaccuracies and unverifiable items. I reached out with a letter that I had certified made copies placed my drivers license and Social Security card on the forms photo copied them and sent them in a certified letter they said the address wasnt theirs Then the other one experience said that I didnt give them enough information when clearly I had my drivers license, my Social Security card and my credit report seeing how Equifax had a major data breach and experience is being sued at this present time I would like these items deleted off of my credit report permanently They violated the laws placed by fcra

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 2025-03-08 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: AL

Complaint narrative:
TransUnion Credit Reporting Account Information XXXX XXXX Balance : {$4800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Responsibility : Authorized Account Account Type Revolving Account I am not the primary account holder, nor am I legally responsible for the payments or any outstanding balance on this 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report. 
2. My credit score to be adjusted accordingly to reflect the accurate loan information.

3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because Ive come across a credit inquiry on my report that is absolutely fraudulentit was never authorized or made by me. This is a serious issue, and I need it addressed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had an account open with syncrony bank, the first employee back in XX/XX/XXXX misinformed me that a debt I owed would have been settled and that was the last payment I needed to make, now fast forward 2 years later I call to let a representative know about it and she tell me sorry maam it was never updated that you paid the balance off, we will update it and it takes 3 TO 5 BUSINESS days to see an update towards my credit report. I had already disputed it on my credit in which they denied, so I asked her will they notify the credit bureau to get all of the negative information from the past 2 years off of my account due to misinformation, she said YES. I tell her to connect me to a supervisor so I can get confirmation. The supervisor proceeds to tell me thats the second representative also gave me misinformation and that I still owe {$340.00} to the bank and that shes sorry for her employees giving me misinformation. As I raise the issue of them needing to open a dispute to get this off of my credit since it wasnt my fault, she says well it will take 60 business day. When her coworker just told me it would be 3-7. Please look into this matter. They claim that the calls are recorded. 

They dont have information on the employee from XXXX, but the 1 employee from XXXX is XXXX ID # XXXX Second person spoken with : Supervisor XXXX ID # XXXX They do not have reference numbers for the phone call so when trying to get information on it you have to refer to the time/date called with was XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Been getting rapidly emails and texts from the third party collection company about the. Debit four five times a day rather its email or text

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Been getting rapidly emails and texts from the third party collection company about the. Debit four five times a day rather its email or text

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX i deposit a check of {$300.00}. {$100.00} of it was told pay my overdrawn amout which brought it down to {$97.00}. The {$97.00} was to be deposited in my account. I got a {$100.00} in cash and {$75.00} was put on hold and the remaining {$25.00} deposited in to my account. I didn't have my valid dl so I had to use my debit card in pin so the teller could pull up my account. After realizing what happend I went back to the branch to correct it but they claim they couldn't help to call the customer service number. After calling customer service they tell me that it can only be fixed by the branch. This went back and forth for 2 months delt with the branch 5 times and 2 times at different locations and dealt with customer service on the phone and thru the secure messages XXXX times. The manager XXXX didn't even try to help he claimed he couldn't see the discrepancy and that he did all the research needed. So he said theres nothing he could do. I have never seen customer service this bad in my life and I'm supposed to be able to trust my finances in their hands if they can't even fix their own mistakes. That's nothing less then stealing and defeats the purpose of the accounts being insured. No matter who you talk to nobody has access to fix the transaction and they don't have a corporate number. I used to be a proud chase customer but definitely can't say that at this point.

Company response to consumer: Closed with explanation