vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX from EQUIFAX, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report. Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ). Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries. Copies of your credit report showing the disputed inquiries. Any correspondence you have had with the entities responsible for the inquiries. I have attached the inquires and the dates below : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Credit Bureau has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience with Experian, XXXX, and XXXX where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the bankruptcy account at all. In addition, I have submitted proof that the US Bankruptcy Court does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I review my credit report regularly, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser to check if it was a temporary glitch, but the inaccurate accounts remained. Due to this problem, I kindly request a thorough review of the documents I submitted to ensure that I no longer have to worry about this issue.

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 2025-01-22 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: NE

Complaint narrative:
Hello, I noticed some issue and fraud on my credit profile that I do not recognize. These accounts are cc, and other things I am not sure of. Here are the remaining of the hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX here are the fraudulent accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraud accounts ae reporting on my fico report. I want all these account are removed from all 3 credit bureaus. and all collections related to be gone to my rights within FCRA and FDCPA laws, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
XXXX, XXXX, XXXX they told me it was off my credit report and it never was removed at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a Capital One card and have made 100 % of my payments. Today, I disputed XXXX fraudulent charges that we on my card. They gave me a temporary credit but when I asked them to block those merchants, they told me they can't. 

These fraudulent charges are recurring charges and even when you cancel the card and get a new number, these recurring charges will still go through and this will be charged every month. They told me they can not block the merchant so this means that they are criminals as well and working with the criminals. 

The supervisor in the fraud department was a horrendous and beyond rude and beyond unhelpful woman who did nothing to help me. 

These credit card companies are working with criminals and not preventing fraudulent charges from occurring has to be illegal and these people can not be allowed to get away with this or this entire economy falls apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
all negative item should be removed ASAP and this is the second time there have been a data breach with my information nothing was investigated no response there either

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 2025-01-22 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Kikoff Inc.
State: TX

Complaint narrative:
Upon reviewing my most recent credit report, I found an error that appears to conflict with my records. Accurate reporting is essential to maintaining my financial reputation, so I am asking for your assistance in resolving this matter. Please investigate the discrepancy and make any necessary corrections to ensure my report is accurate. Your attention to this matter is greatly appreciated, and I thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removedprovided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received funds from a friend via ach. Chime bank sent an email stating that my account would be closed effective XX/XX/year> with no explanation as to why. I contacted Chime on XX/XX/year> and after being transferred 4 times no one could help me. Later that day my checking account was overdrawn {$1800.00} ; my credit builder account which held {$550.00} was frozen. My direct deposit of {$1200.00} was taken. I called Chime again on XX/XX/year> and was transferred 5 times. Again, no one could provide an explanation on why my account was being closed, why my money was taken and how I could gain access to my funds. I want my funds to be returned back to me. Chime had no right to withdraw my account, and still my money that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I graduated from XXXX XXXX in 1997, which is XXXX  years ago, and despite my best efforts to meet my loan obligations, I have been unable to repay my student loans in full. Over the past XXXX  years, I have encountered multiple life challenges that have made it extremely difficult for me to maintain regular payments My financial situation became particularly strained when I had to file for bankruptcy and then my ex-husband was incarcerated. As the sole provider for my family during that time, I was faced with the heavy responsibility of supporting my children and myself. Despite working multiple jobs, including pursuing a career in teaching, the compensation was insufficient to cover both my living expenses and my student loan payments. As a result, I was forced to explore alternative job paths in order to provide for my family, but unfortunately, these jobs did not offer enough financial stability to allow me to continue paying off my loans. 

In addition to the hardship of being a single provider, I have struggled with the long term consequences of the economic turndown and rising living cost, sending children to school, which have further impeded my ability to meet financial obligations. While I have worked diligently to manage my finances and pay off my student loans, the burden has been overwhelming. 

Given my long history of financial struggles, coupled with my sincere commitment to rebuilding my financial future, I am requesting loan forgiveness or relief under any hardship programs. I am hopeful that with your support I can begin a new chapter of financial freedom, as I am committed to improving my situation and achieving greater financial stability in the future. 

I, thank you for your time and consideration of my request. I look forward to your understanding and hope for a favorable resolution to my case. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I sent in a dispute to TransUnion and they didn't provide me with the requested information.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is not generating my credit score and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief