vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
EQUIFAX : I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
I reviewed my credit report and observed the presence of fraudulent accounts.

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 2025-02-28 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-28 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
I am filing a complaint against the following credit reporting agencies : Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have experienced numerous inaccuracies and failures in reporting on my credit file, which have caused significant harm to my XXXX XXXX and financial well-being. 

Dates and Events : Current FICO Score : XXXX  Erroneous Entries : XXXX  collection accounts totaling {$7200.00} in derogatory debt reported inaccurately.

XXXX  accounts falsely reported as late, despite prior disputes and supporting evidence.

Incorrect credit utilization of XXXX  %, which negatively impacted my credit score. 
XXXX  debt reported at {$27000.00}, leading to a total balance of {$51000.00}. 
Specific Issues : Misreporting of Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and others inaccurately marked as late or having negative impacts on my credit. 

Several accounts inaccurately marked as potentially negative or derogatory, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to name a few. 

Collection Accounts : Multiple accounts with collection agencies, such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others, reporting inaccurate or misleading data. 

Inquiries : Inaccurate and untimely removal of credit inquiries, such as XXXX and XXXX, which do not align with the removal date or continue to impact my score unjustifiably. 

Actions Taken : I submitted multiple disputes to the credit reporting agencies, presenting evidence to challenge the inaccuracies. 

Despite these efforts, the errors remain uncorrected, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the failure to conduct reasonable reinvestigations, report accurate information, and comply with statutory timelines for dispute resolution. 

As a result of these errors and violations, I have suffered tangible harm, including credit denials, increased borrowing costs, and undue emotional distress. I am requesting immediate corrective action from the credit bureaus to address these issues, including the removal of inaccurate information, a proper reinvestigation of all disputed items, and compensation for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
I am filing a complaint against the following credit reporting agencies : Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have experienced numerous inaccuracies and failures in reporting on my credit file, which have caused significant harm to my XXXX XXXX and financial well-being. 

Dates and Events : Current FICO Score : XXXX  Erroneous Entries : XXXX  collection accounts totaling {$7200.00} in derogatory debt reported inaccurately.

XXXX  accounts falsely reported as late, despite prior disputes and supporting evidence.

Incorrect credit utilization of XXXX  %, which negatively impacted my credit score. 
XXXX  debt reported at {$27000.00}, leading to a total balance of {$51000.00}. 
Specific Issues : Misreporting of Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and others inaccurately marked as late or having negative impacts on my credit. 

Several accounts inaccurately marked as potentially negative or derogatory, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to name a few. 

Collection Accounts : Multiple accounts with collection agencies, such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others, reporting inaccurate or misleading data. 

Inquiries : Inaccurate and untimely removal of credit inquiries, such as XXXX and XXXX, which do not align with the removal date or continue to impact my score unjustifiably. 

Actions Taken : I submitted multiple disputes to the credit reporting agencies, presenting evidence to challenge the inaccuracies. 

Despite these efforts, the errors remain uncorrected, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the failure to conduct reasonable reinvestigations, report accurate information, and comply with statutory timelines for dispute resolution. 

As a result of these errors and violations, I have suffered tangible harm, including credit denials, increased borrowing costs, and undue emotional distress. I am requesting immediate corrective action from the credit bureaus to address these issues, including the removal of inaccurate information, a proper reinvestigation of all disputed items, and compensation for the harm caused.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood company I purchased XXXX XXXX was held up in court Sec they released the money and owed extra coins to send me but didnt and took {$200.00} in fees and owes me money when I got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I RECEIVED OVER {$300.00} IN FRAUDULANT CHARGES ON MY CITICARD MASTERCARD CREDIT CARD ON XXXX XXXX FOR PURCHASES MADE FROM XXXX XXXX. I DID NOT MAKE THESE PURCHASES AND I HAVE PROVIDED CITICARD WITH PROOF THAT I FILED MY TAXES WITH XXXX XXXX XXXX  12 DAYS PRIOR TO THE DATE OF THE FRAUDULANT XXXX PURCHASES WITHOUT THE USE OF ANY TAX PREPARATION SOFTWARE. AS OF THIS DATE CITICARD INDICATES MY DISPUTES ARE STILL UNDER INVESTIGATION EVEN THOUGH I HAVE PROVIDED THEM A COPY OF MY SIGNED FEDERAL TAX RETURN AS PROOF THAT I HAVE FILED MY INCOME TAXES 12 DAYS PRIOR TO THE PURCHASES APPEARING ON MY CREDIT CARD. EVERYTIME I CALL THEM ABOUT THIS MATTER THEY TELL ME THAT THE DISPUTED CHARGES ARE UNDER INVESTIGATION EVEN THOUGH I HAVE PROVIDED THEM PROOF THAT I FILED MY TAXES 12 DAYS PRIOR TO THE FRAUDULANT PURCHASES. ALSO WHY WOULD ANYONE MAKE MULTIPLE PURCHASES OF THE SAME PRODUCT? COMMON SENSE SHOULD TELL THEM THAT THESE PURCHASES ARE FRAUDULANT.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear American Express, I am writing in response to the denial of my credit application. I would like to formally express my disagreement with this decision, as it has caused significant distress and is, I believe, unjustified based on my creditworthiness.

As outlined in Title 15, Section 1691 of the Equal Credit Opportunity Act ( ECOA ), it is required that any denial of credit must be based on valid and verifiable reasons, and I have not been provided with adequate reasoning for the decision. My creditworthiness, as shown in my credit report, is sound, and I have consistently demonstrated responsible financial management.

I would also like to clarify that under the provisions of the law, only the board of governors of the institution has the authority to deny an extension of credit. If the account is not opened as requested, I must rescind my application and seek resolution through other means. Should the matter not be resolved in a timely manner, I will be forced to pursue legal action to ensure that my rights as a consumer are respected and upheld. 

Additionally, I am prepared to sign a promissory note in accordance with the terms and conditions of your institution if the credit extension is reconsidered and approved. 

I trust this matter will be given the attention it deserves, and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NV

Complaint narrative:
I am requesting the immediate blocking and removal of multiple fraudulent accounts from my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. 

The following accounts do not belong to me and were opened through identity theft : XXXX XXXX XXXX reported three times SELF REPORTED THREE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have provided both an FTC Identity Theft Report and a police report, yet TransUnion has failed to comply with the FCRA by not blocking these accounts within four business days as required. 



FCRA Violations : 1. Failure to Block Fraudulent Accounts ( 1681c-2 ) TransUnion must block these accounts upon receiving my police report.

2. Duplicate Reporting Each fraudulent account appears three times, further damaging my credit.

3. Continued Reporting & Collection ( 1681s-2 ( a ) ( 6 ) ) These companies were notified of the identity theft but refuse to stop reporting.

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Re checking account of Bank of America Before I decided to close the checking account of BOA, two client managers double confirmed with me that there would be no fee charging with the account. But after that, there was XXXX XXXX  been charged each month. Then I called the bank, the staff told me that I can close the account to avoid the fee. And the money in that account would be come out by check around 12 business days or collect it at the counter. I chose to have the mailed check. But I never received the check, I called 5 or 6 times, the staff only told me to wait, it actually may take 60 days for processing this. And its already been 6 months, I never received the check. I think I have been misrepresented by the bank managers for many times. So at least, I deserve the chance to collect the check at the counter now. They just told me the only way for me is to wait for the check mailed. And if I can not receive it, they will do the same process again. This doesnt make any sence, why a client by cheated or by told wrong information by the bank that can not collet their money back.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: MA

Complaint narrative:
Since I make a complaint against this company yesterday today they decide to put me like Im over the limit when this account is already close since XX/XX/2023. Also they lie again about it just to damage my credit again You guys should fine this company and make audit about every account they own

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-02-28 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: NY

Complaint narrative:
I recent looked at my credit profile and noticed that I had a fraudulent inquiry on my credit that I did not give my consent for. The account consists of the following : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I recent looked at my credit profile and noticed that I had a fraudulent inquiry on my credit that I did not give my consent for. The account consists of the following : XXXXXXXX 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 non-monetary relief