vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing an account on my credit report that was reported without my written authorization, XXXX  XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), Experian must ensure the maximum possible accuracy of all information in consumer reports. The presence of this account shows a failure to meet that duty. Additionally, under 15 U.S.C. 1681b, Experian must conrm a valid permissible purpose before reporting any account. Without my written consent. This requirement has not been met. Failure to notify of the Re-insertion requirement to the consumer within ve business days, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and failure to provide certication of accuracy under 15 U.S.C. 1681i ( a ) ( 5 ) ( c ). I demand an immediate investigation and permanent removal of this account from my credit le. Continued reporting my constitute willful noncompliance under 15 U.S.C. 1681n or Negligent noncompliance ( 15 U.S.C. 1681o ) and may be considered identity theft under FTC guidelines.

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 2025-03-31 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: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to report inaccurate information that is being reported on my credit report without my written consent. Specifically, the accounts under MOHELA were reported as being refinanced and closed, with late payments listed. However, I did not authorize any such reporting, nor did I receive any communication or documentation regarding these changes. According to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies and lenders are prohibited from reporting negative information without explicit consent from the consumer, especially when such information affects my creditworthiness. The inaccurate reporting of late payments and closed accounts has caused significant harm to my credit report and violates my rights under the law. I request that these errors be immediately corrected and that my credit report reflect accurate information. I also request an investigation into how this information was reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to report inaccurate information that is being reported on my credit report without my written consent. Specifically, the accounts under MOHELA were reported as being refinanced and closed, with late payments listed. However, I did not authorize any such reporting, nor did I receive any communication or documentation regarding these changes. According to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies and lenders are prohibited from reporting negative information without explicit consent from the consumer, especially when such information affects my creditworthiness. The inaccurate reporting of late payments and closed accounts has caused significant harm to my credit report and violates my rights under the law. I request that these errors be immediately corrected and that my credit report reflect accurate information. I also request an investigation into how this information was reported without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to report inaccurate information that is being reported on my credit report without my written consent. Specifically, the accounts under MOHELA were reported as being refinanced and closed, with late payments listed. However, I did not authorize any such reporting, nor did I receive any communication or documentation regarding these changes. According to 15 U.S.C. 1681b, the Fair Credit Reporting Act ( FCRA ) clearly states that credit reporting agencies and lenders are prohibited from reporting negative information without explicit consent from the consumer, especially when such information affects my creditworthiness. The inaccurate reporting of late payments and closed accounts has caused significant harm to my credit report and violates my rights under the law. I request that these errors be immediately corrected and that my credit report reflect accurate information. I also request an investigation into how this information was reported without my 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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS

Complaint narrative:
I have reached out to this company several times and still have not received a response. The company has not sent verification or debt or the original owner information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: VYSTAR CREDIT UNION
State: NY

Complaint narrative:
I have never filed a dispute that hasn't ruled in my favor. 

On XX/XX/XXXX. I placed an order with a company that doesn't exist anymore. 

Once ordered. The retailer gave a tentative date of XXXX for fulfillment. 

On XX/XX/XXXX I contact my credit union to advise them that I haven't received my order, and furthermore the company no longer existed as it was delisted from XXXX. 

On XX/XX/XXXX I called my XXXX XXXX to get a dispute status they advised me that it was still under investigation, and I wouldn't be given a dispute credit. I asked why I wouldn't be given a provisional credit, and they couldn't advise me as to why... just that the transaction type was deemed ineligible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( PORTFOLIO RECOVERY ASSOCIATES XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-31 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: NC

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
I previously created a complaint on this CENTRAL PORTFOLIO COMPANY, who is trying to collect a debt for XXXX XXXX. After the complaint I requested information as to when the account was opened. I received a letter from XXXX XXXX from CENTRAL PORTFOLIO COMPANY WHO IS RISK MANAGER DIRECTOR ALONG WITH DOCUMENTS OF THIS ACCOUNT WHICH WAS OPENED AND SIGNED THROUGH DOCUSIGN THROUGH AN EMAIL THAT IS NOT ASSOCIATED WITH ME. The name on this account that is supposed to be mine is spelled inaccurate and incomplete. The name they have on this account is XXXX XXXX. My legal name is XXXX XXXX XXXX XXXX. After I called XXXX XXXX, he ACCUSED me and said I was a liar and this account is mine. This man threatened me, and harassed me to collect a debt that is not mine. This is illegal. I will also file a complaint with the company but this account is not accurate and this company is reporting inaccurate information and using illegal tactics to collect a debt without trying to help the customer. This company is violating law code u.s.c 1681 providing inaccurate information and in violation of u.s.c 1692-1692p using abusive, unfair, or deceptive practices in collecting debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
Im missing XXXX $ from my bank account chime has did this more than once and I have let it slide now Im not theyre taking XXXX $ plus took my pay down to XXXX $ after payin them back my check was XXXX $ and now I only have XXXX $ in my account Im on thin ice with yall I jus want my money back and Im done wthis banking with yall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello : I recently received information that my XXXX XXXX in the month of XX/XX/year> went down XXXX points. Upon my research it stated that I used my XXXX  credit card between approximately the dates of XX/XX/XXXX in XX/XX/XXXX, in which my high balance was {$370.00} out of my {$4500.00} credit limit. Which is far below the 30 % utilization and this should help my XXXX XXXX. But yet my XXXX XXXX went down. I paid my balance down to XXXX, which I have currently done at the date of this complaint. My question and concern is : Who and Why is my XXXX XXXX going down for just using my credit card Before I'm able to pay down my credit card to zero. I am not late on any of my vibe accounts currently or previously this year, last year etc.. I am not late on my XXXX.Credit card. I called a consumer credit XXXX and they informed me to call XXXX bank in regards to finding out why my XXXX XXXX went down because of just using {$370.00} out of my {$4500.00} credit limit, discover bank for my credit card stated they did not make that report that reduced my XXXX XXXX. From XXXX down to XXXX. XXXX credit card department informed me to contact transunion directly. TransUnion, customer service stated. They could not give me any information in regards to any discrepancies. He says that there is information showing that I have a late payment. And I have not been late on anything. He stated he could not give me any information from my credit report. And all he could do is send me a copy of my credit report, I asked him if there is a way of accessing my credit report for transunion directly on the website and he stated no. The problem and bottom line is TransUnion. And Equifax dropped my XXXX XXXX XXXX points before processing and showing that i have paid my balance in full for XXXX. But just droped my score, just for using my credit card and that is not right or fair. Transunion stated That's something or someone stated. I have a late payment and I do not have any late payments. TransUnion does not have any Information to give by phone. I'm currently waiting fie a copy to be mailed to me. Same issue and situation with and for Equifax at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the data furnisher for their continued failure to remove an inaccurate and fraudulent account from my credit file. The details of the erroneous account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX ... .Account Balance : {$30000.00} I have never opened, authorized, or had any affiliation with this account. Despite my numerous disputes, including providing multiple letters and documentation proving that this account does not belong to me, it remains on my credit report. 

Adverse Effects of the Erroneous Reporting : My credit card limits have been drastically reduced. 

Some of my credit card accounts have been closed. 

My ability to secure financial opportunities has been severely impacted. 

I have been actively disputing this matter for over XXXX months with no resolution. The continued reporting of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Legal Violations Committed : The following FCRA provisions are being violated due to the failure to remove this erroneous account : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation into a disputed account.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : The data furnishers duty to investigate and correct inaccurate information.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance with the FCRA, subjecting them to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-31 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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