vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
Subject : Formal Complaint - Inaccurate XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Program To Whom It May Concern, On XX/XX/XXXX, I applied for credit and home improvement financing through XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, operating under the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. As part of their application process, I was informed that a hard credit inquiry was conducted with Experian. 

I was subsequently approved for financing at an interest rate of 22.99 %, based on a reported Experian XXXX XXXX of XXXX. However, I diligently monitor my credit score with all three major credit bureaus, including Experian. According to Experian 's direct reporting, my XXXX XXXX has consistently been well above the XXXX range for over a year. 

This discrepancy strongly suggests that XXXX XXXX XXXX has misrepresented my credit score to justify a significantly higher interest rate. This constitutes predatory lending practices and a clear manipulation of my credit information. 

I immediately reported this issue to a customer service representative at XXXX and was assured that the matter would be investigated, and I would receive a callback. This callback has not occurred. Furthermore, despite my offer to provide direct evidence of my accurate Experian credit score ( copies of which are attached ), I was told it was unnecessary. To date, no correction has been made to my account, and the inaccurate interest rate remains in effect XXXX. 

As a XXXX individual, my credit and financial resources are extremely limited. I am deeply concerned about the potential financial harm caused by this misrepresentation. 

I demand immediate : An internal investigation into this matter. 
A correction of my account to reflect the accurate interest rate based on my actual Experian credit score. 
Written confirmation of the correction. 
A formal apology for the misrepresentation and the lack of timely response. 

I expect a response within XXXX business days. If this matter is not resolved satisfactorily, I will pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX ATTACHMENT

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this dispute because the personal information listed on my credit report is inaccurate. I request a thorough investigation and immediate correction. The information does not belong to me and may be the result of a reporting error or possible identity mix-up. Please update my credit file accordingly and confirm the changes in writing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to request an investigation into the accuracy of all the information reported on my credit file, including accounts and credit activities. Upon reviewing my credit report, I believe there may be discrepancies that need to be addressed and corrected. Specifically, I would like to ensure that all account information is accurate, complete, and reflects my actual credit history. 
Please conduct a thorough investigation and review all accounts for any inaccuracies. If there are any accounts that are inaccurate or outdated, I request that they be corrected or removed from my report. Please provide the results of your investigation in the next XXXX  days. 

Warm Regards, 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 2025-04-10 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: PA

Complaint narrative:
I asked all XXXX  credit companies to provide me with the same information. None of them could or have. They closed the pending investigation after I received a letter with my requests on it.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: PA

Complaint narrative:
Ok they said its mines because of my address and SSN. I ask how was the deposit made because it didnt come from non of my bank accounts. So how was the {$450.00} deposit was made, thats what they should look into instead of saying it came to my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX XXXX and XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX I checked my credit report to find that my score dropped by XXXX points. Upon further investigation the drop is a result of a collection placed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX on XX/XX/XXXX and was told that this is from XXXX. I have had no communication from XXXX XXXX with regards to this debt. I also had no knowledge of this debt prior to reviewing my credit report. 

I received no communication via mail, phone calls, nothing. My credit is severely impacted from this, and this is in my opinion, illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX, I opened a secured credit card with Fifth Third Bank, depositing {$300.00} to activate it. Due to disputes over unexpected fees, I requested the account be closed by XX/XX/XXXX. Instead of closing, the bank XXXX my access to the card in XX/XX/XXXX but the account remained open and continued generating monthly statements, adding fees and other activities for an astonishing XXXX more months!! The account finally was closed for real in XX/XX/XXXX. Despite this, they reported to all XXXX  credit bureaus that the account was closed in XX/XX/XXXX, which is absolutely inaccurate. 

I have disputed this with the bank and the bureaus multiple times over the past XXXX years, providing statements showing activity through XX/XX/XXXX. The bank insists their reporting is correct and the bureaus keep verifying it even though it is incorrect. 

I am attaching a copy of the XX/XX/XXXX- XX/XX/XXXX statement proving clearly what I am saying to be true. 

This misreporting is harming my credit, and I want the entries removed completely and entirely from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
recently I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCUARACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCUARACY. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCYRATE 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

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 2025-04-10 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-10 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:
On my credit report there is an incorrect address and this address is not mine. Kindly delete the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX from my credit report and update my address to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
Transunion responded to my initial complaint stated that they need XXXX  days to review, which is greater than the time period is permitted by law. I identified that I am a victim of the security breaches that have transpired throughout the years. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, credit reporting agencies are required to block information resulting from identity theft within XXXX business days** after receiving the necessary documentation. This includes proof of identity, an identity theft report, identification of the disputed information, and a statement from the consumer asserting that the information is fraudulent. 

Please see attached

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 2025-04-10 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: VA

Complaint narrative:
XXXX late payments reported on my credit file because of miscommunication during a period of forbearance. 

My student loan was placed into forbearance, during which I was unable to access my account online. Each time I contacted XXXX to make a payment, I was informed that payments could not be made while the loan was in forbearance. I never received notificationby mail, or phone, that the forbearance had ended or that my account had become delinquent. 

I only became aware of the issue when I noticed XXXX late payments reported on my credit filesomething that has never occurred in my past payment history. 

On XX/XX/year>, I contacted XXXX spoke with Supervisor XXXX XXXX, who opened XXXX # XXXX. He confirmed that notices had been sent to an internal inbox I had never accessed or been notified about. In good faith, I made a payment of {$89.00} the same day to bring the account current. 
On XX/XX/XXXX, I spoke with representative XXXX XXXX paying {$1600.00}, resolving the account in full. 

XXXX. Accuracy and Good Faith Efforts The late payments are isolated incidents and do not reflect my long-standing record of financial responsibility. I acted immediately once I became aware of the issue. 

XXXX. Fair Credit Reporting Compliance Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, furnishers must ensure the information reported to credit bureaus is accurate and complete. Given the lack of access and notice, these entries do not accurately represent my intent or effort to stay current on my loan. 

XXXX. Goodwill Adjustment Request In light of the circumstances and my history as a responsible borrower, I kindly request a goodwill adjustment to remove the XXXX late payment entries. This adjustment is within XXXX discretion and would reflect a fair and reasonable resolution. 

These negative entries misrepresent my reliability and could have long-term impacts on my financial standing. Correction supports consumer rights and strengthens XXXX borrower relationships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
First some type of credit account or something was opened against my wishes and is unauthorized then XXXX transactions that wasn't approved nor was I aware of XXXX of them on XXXX XXXX @ XXXX XXXX  for the amount of {$850.00} & the other for the amount of {$1000.00} on XX/XX/XXXX @ XXXX XXXX  they were monthly payments for the said credit account that I was unaware of also I did not approve of that was completed using the funds in my secured account which is not possible considering I never had a credit account nor should I have a monthly payment for XXXX this is unacceptable and absurd and the chime support refused to allow me to speak to a manager and kept proceeding to tell me I had to give him my social security number etc and which is completely unprofessional and also they hung up on me twice I am a single parent with XXXX kids and it's insane my money is being stolen and payed on a payment that I should not have been responsible for or charged with considering I never opened and type of credit nothing ever in my life so I would appreciate some type of assistance or help with this situation and I have also contacted a lawyer due to the neglect and disrespect I have received from the chime support agents which refused to provide their names or anything I believe XXXX of the men said his name was XXXX if you could please get back in contact ASAP it would be greatly appreciated and thank you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Self Financial Inc.
State: TN

Complaint narrative:
The company placed a restriction on my account and are holding my money. They asked for verification, I gave what was asked of me, they stated all information checked out but needed an additional 7 days for review. Stated my account should be good by XX/XX/XXXX. Its now XX/XX/XXXX, I have asked to speak with a live person about this matter, they stated they dont talk with people over the phone. They keep sending the same generated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-04-10 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: TX

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my Equifax and XXXX credit report and I noticed some late payments on there. Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. Im giving your company 15 days to delete these late payments from my credit report. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15 USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation