vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: CT

Complaint narrative:
Heres the revised version including your follow-up actions : I am filing this complaint against Experian for failing to properly investigate and correct inaccurate reporting on my credit profile. I opened an auto loan with XXXX XXXX XXXX in XX/XX/XXXX and have consistently made on-time payments. However, Experian has reported my payment history inaccurately, with delayed postings and missing updates. For example, my XX/XX/XXXX payment was not reflected until XXXX, and my XXXX payment was not posted until XX/XX/XXXX. 

I filed a formal dispute directly with XXXX XXXX XXXX in XX/XX/XXXX, providing supporting documentation. I followed up with the original creditor again on XX/XX/XXXX, t and was advised to contact the credit bureau to dispute the issue further. This suggests that Experian has not conducted a proper investigation or contacted the original creditor as required under the Fair Credit Reporting Act ( FCRA ). 

When attempting to submit my concerns through Experians online portal, my comments were repeatedly flagged as invalid or offensive, especially when referencing the company name and payment errors. This created an unnecessary barrier to submitting a clear and factual dispute. 

Experians handling of this situation violates the FCRA, specifically : 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation. 
15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy. 

The continued inaccuracy has negatively impacted my credit score and creditworthiness by misrepresenting my payment history and balance information. 

I am requesting : A thorough reinvestigation of this matter, including direct contact with XXXX XXXX XXXX. 
Correction of the inaccurate balance and payment history. 
A review of Experians dispute portal practices to ensure consumers can submit complete, factual dispute statements without unnecessary restrictions. 

I have attached supporting documentation, including : Payment history and balance information from XXXX XXXX XXXX. 
Screenshots showing the dispute submission errors and flagged comments. 

Thank you for your attention to this matter. Please keep me informed of the steps taken to resolve this issue. 

Let me know if youd like me to modify anything further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Company : Experian Issue : Unlawfully Verified accounts I am writing to file a complaint against Experian regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with Experian, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX  : Account Number XXXX These accounts were opened as a result of identity theft during the Experian data breach in XXXX. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided Experian with a police report, a notification from Experian about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, Experian has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that Experian removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian did not properly didnt do a full investigation on a collection on my credit report that I had Dispute I had asked them multiple times to remove the Collection from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX, I received a letter from attorneys about an account going into collections. I responded that I do not know anything about this debt and requested documentation. I received a correspondence after XXXX of the activity and charge offs statement. Upon reviewing the correspondence I noticed that the address used was incorrect and so is the government first name. I have reviewed my annual credit report and saw that they were inquiries made that I did not recognized and alerted XXXX to freeze my credit file until this is resolved. I called Comenity Bank Fraud Department on XXXX to report the fraudulent account due to identity theft. Spoke with XXXX. XXXX of the 4th precinct substation and was instructed to go to bigger the 4th precinct after holidays to submit report with detective. Detective deemed letters to be fraudulent, advised not to give any info. Received summons letter XX/XX/XXXX and will return to precinct to request police report to be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Credit Adjusters for violating the Fair Credit Reporting Act ( FCRA ). They reported an invalidated account to my credit profiles without contacting me beforehand, as required by the FCRA. This action has negatively impacted my credit standing and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please note I have been a victim of identity theft these inquiries do not belong to me! 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please note I have been a victim of identity theft these inquiries do not belong to me! 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
I have sent 4 different letters to these companies over the last 4 months and almost feel as if I am being ignored. I still have numerous errors listed within my credit report. Please assist in making sure these investigations are being conducted properly. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
I have sent 4 different letters to these companies over the last 4 months and almost feel as if I am being ignored. I still have numerous errors listed within my credit report. Please assist in making sure these investigations are being conducted properly. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Upon reviewing my credit report i noticed that there is inaccurate information reporting. 
The inaccurate information is the late payments for XXXX XXXX XXXXXXXX Account Number : XXXX There has been a payment made on this account and has not been 30 days past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Formal Complaint Regarding Unauthorized Reversal of Funds and Account Closure ..... 

I am writing to formally lodge a complaint regarding the unauthorized reversal of funds amounting to {$21000.00} from my account, which was subsequently closed by your institution. This transaction was related to the sale of digital products, which were delivered to the buyer as agreed. 

Despite providing all necessary documentation and evidence proving the legitimacy of the transaction, your bank reversed the funds and returned them to the buyer, who falsely claimed to have been scammed. This action was taken without a thorough investigation and has caused me significant financial and emotional distress. 

Moreover, after the reversal, my account was unjustly closed, further exacerbating the situation. I have repeatedly reached out to your institution for clarification on what additional evidence is required, but I have received no response. Instead, I have been informed that the evidence I provided is insufficient, without any clear explanation or guidance on what more is needed. 

This conduct not only demonstrates a lack of transparency but also a failure to adhere to the legal obligations owed to me as a customer. I would like to bring to your attention the following legal protections that support my case : 1. **Uniform Commercial Code ( UCC ) Article 2** - Governing the sale of goods, this law establishes the obligations of both parties in a sales contract. I fulfilled my duty by delivering the goods, and the buyer had no legitimate grounds for a chargeback.

2. **Electronic Funds Transfer Act ( EFTA ) ** - This act regulates electronic fund transfers, including unauthorized transactions. The reversal of funds in this case appears to have been conducted without proper authorization or a fair investigation, violating my rights under this act.

3. **Consumer Financial Protection Bureau ( CFPB ) Regulations** - Your institution is obligated to conduct thorough investigations before reversing transactions and closing accounts. The lack of clear communication and resolution in this matter constitutes a breach of fiduciary duty. 

I demand an immediate review of this case, the reinstatement of the {$21000.00} to my account, and an explanation for the closure of my account. Additionally, I seek compensation for any damages incurred due to this improper handling of my case. 

Please acknowledge receipt of this complaint and provide a timeline for resolving this issue. If this matter is not resolved satisfactorily, I am prepared to escalate it to the relevant regulatory bodies and pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. Although they were removed earlier, they have been re-added without my knowledge. I have not been informed of this reinstatement and have not received any notification by ma

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NH

Complaint narrative:
I agreed to pay {$220.00} to my rent balance however they diverted {$50.00} to fees without authorization or even telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: SC

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> was my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dont feel my dispute was properly investigated by Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today, XXXX, I attempted to pay for a 20oz Coke bottle at XXXX, and the XXXX XXXX said, Declined. So, I swiped my debit card prior to inserting the chip, and the transaction went through. Then I went to BK, and my transaction went through without any problems. Upon attempting to purchase my items at XXXX, the XXXX XXXX said DECLINED ; INSUFFICIENT Funds. I couldn't believe it. 
I dialed XXXX, and waited 15 minutes at XXXX to be helped ; no answer. So, I left to my XXXX XXXX XXXX  to pick up yesterday 's ATM machine. By now it was over 30 minutes wait. Then a lady answered my call. She was an inpersonator of BoA. She began to say XXXX charged me {$19.00} and they didn't. They would have emailed me a confirmation # and they didn't. Also, I checked my balance yesterday prior to leaving the library and they had not charged me at all. My balance was {$53.00} rounded up. 
So, I went to XXXX yesterday " after '' I checked my account and bought XXXX- {$5.00} and change. Then I earned {$20.00} from a customer. So, after that job, I went to the Bank and made a {$20.00} deposit ( see picture ). My balance became {$67.00}. After that deposit, I used my card three more times : XXXX. XXXX XXXX- {$11.00} and change XXXX. XXXX- {$6.00} and change XXXX. XXXX - {$5.00} and change. 

My ending balance was right around {$43.00}. This morning I only used my card three times, and it's not a total of {$43.00} plus dollars. So, again, XXXX never charged me. Therefore I'm disputing {$19.00}. There is no {$39.00} hold because I already gave XXXX XXXX the proof that he asked me. He hasn't even called me back regarding the {$39.00}. This online ledger that I now see does not even reflect {$20.00} deposit from yesterday or a hold. 

The ledger seems fake.Also, I do not have overdraft protection. 

So, I arrived to my nearest bank branch to resolve this problem ; and the lady, XXXX, said there's a two hour hold. It's been close to one hour now. 

Please have Bank of America return {$33.00} plus {$19.00}. It was MANUALLY removed for no good reason. What a crime! I'm disputing my available balance is NEGATIVE {$5.00} and change. I'm disputing XXXX charged me. because I did check my ledger yesterday, XXXX, and that transaction was not there. I'm alleging I'm currently placing transactions on a closed fake account vs mine. It doesn't even reflect my {$29.00} deposit. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation