vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Identity Theft Request to Block Fraudulent Information and Update Personal Details Complainant Information : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX FTC Identity Theft Report Number : XXXX Law Enforcement Report : XXXX Complaint Details : I am filing this complaint to report identity theft and the failure of the credit reporting agencies to remove fraudulent information from my credit report. I have been unable to access my credit profile, and unauthorized accounts have been opened in my name. Despite multiple attempts to correct my personal information and request fraud alerts, the credit bureaus and data furnishers have not complied with federal regulations. 

Issues Reported : Failure to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2, I submitted a request to block fraudulent accounts, yet they remain on my credit report. 
My identity was compromised due to multiple data breaches, and fraudulent accounts were opened without my consent. 
Failure to Provide Method of Verification As per 15 U.S.C. 1681i ( a ) ( 6 ), I requested the method of verification for disputed accounts, but no response was provided. 
The credit bureaus have failed to verify the accuracy of disputed information. 
Failure to Update Personal Information Full Legal Name : My legal name should be listed as XXXX XXXX only. 
Address : Only my current address ( XXXX XXXX XXXX, XXXX, GA XXXX ) should be listed ; all outdated addresses must be removed. 
Phone Numbers : All phone numbers listed must be removed as they are outdated. 
Social Security Number & Date of Birth : My SSN and DOB should not be displayed on my credit report. 
Employer Information : All employer details should be removed as they are inaccurate. 
Failure to Safeguard Personal Data I was a victim of the Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) data breaches, which compromised my personal information. 
The credit bureaus failed to take proper steps to protect my data in violation of 15 U.S.C. 1681b ( g ).

Failure of Data Furnishers to Ensure Accuracy Under 15 U.S.C. 1681s-2, data furnishers are required to report only accurate information, yet fraudulent and incorrect data remain on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: IN

Complaint narrative:
I was trying to build my credit so I opened a secured credit card which was for {$100.00} dollars. I sent in the {$100.00} deposit they sent me a credit card and never used it but one time and paid it the same day just to see if it would help credit. I noticed when I was looking at my account they were going to charge me a {$35.00} fee for continuing to keep the card. I did not like the terms of that because I thought it was kind of strange that I was paying them {$35.00} should be able to use my own money because they never extended my credit this has been a 10 months in the credit card I got to another company already had sent my deposit back and extended me a more credit. So needless to say I thought this was a bad deal of course. I called in and requested the cancellation of the card it was like May of last year they said they would cancel it but never did I was charged the {$35.00} of course because this is a giant scam so I call back in there and tell them that I did try to cancel it and they said I didn't it was my word against theirs so I was like just give me my money back The {$65.00} you can keep your {$35.00} you stole for me just cancel the card and send me back the XXXX they agreed to. I was told that it would take up to 10 weeks which I found extremely ridiculous. I agreed anyway because I couldn't do anything about it. After waiting the 10 weeks I got a statement from them showing that my account was still open and I had a {$65.00} credit on my credit card this is just unacceptable this company is crooked as they come. So I call back in there and demand to talk to a supervisor someone gets on the phone and just sits there and doesn't really say anything and then they said that they're going to escalated to their supervisor and I would be hearing back in 2 days that's been about a month and a half ago I'm just sick of this I want my {$100.00} back actually there's no reason they should be able to steal {$35.00} from me and then just get to keep my money for this long. I'm beginning to think what they're trying to do is keep it open for another year and then charge me another {$35.00} so they get {$70.00} my money instead of just a {$35.00} that's how crooked these people are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This company has called several times through the day ( morning, afternoon, evening ). They have been told to cease and desist communications and this debt was being disputed. XXXX XXXX XXXX XXXX has continued to contact me by phone and when calls are returned, they promptly hang up. They have also continued to send demand letters through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bk of Amer on 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. Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( 15 U.S.C. XXXXXXXXi ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX are fraud accounts all three credit bureaus are refusing to except police report claiming its not a real police 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 explanation
Consumer complaint received 2025-03-09 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:
XXXX XXXX XXXX XXXX are fraud accounts all three credit bureaus are refusing to except police report claiming its not a real police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Affirm reported several accounts to my credit report, some closed and paid in full and others are paid in full, and it is still reporting to my credit account. 

Date paid XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Subject : Formal Dispute of Reinserted Fraudulent Account XXXX XXXX XXXX  XXXX Dear Experian Dispute Department , I am writing to formally dispute the reappearance of a fraudulent account on my Experian credit report. The account in question is : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This account was previously removed from my credit report a few weeks ago after I provided substantial evidence proving it was fraudulently opened using my stolen personal information. However, Experian has now reinserted this fraudulent account, despite my prior submission of all required documentation. 

Legal Violations Supporting My Dispute 1. 15 U.S.C. 1681a ( m ) This provision of the Fair Credit Reporting Act ( FCRA ) defines identity theft and the responsibilities of credit reporting agencies in handling fraudulent accounts.

2. 15 U.S.C. 1681c ( a ) ( 6 ) Reinsertion of previously deleted information must follow strict guidelines, including providing notice to the consumer, which was not done in this case.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A consumer reporting agency may not reinsert previously deleted information unless it has been certified as accurate. I demand documented proof of such certification.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Information furnishers must not report information they know or have reasonable cause to believe is inaccurate. Given that I submitted an official XXXX Identity Theft Police Report, a FTC Identity Theft Affidavit, and multiple forms of identification ( ID, SSN, utility bill ), Experians reinsertion of this account is a direct violation of this statute.

5. 31 U.S.C. 5118 This law governs obligations requiring payment in specific mediums and supports my challenge to the legality of this fraudulent debt. 

Requested Resolution Immediate and permanent deletion of the XXXX XXXXXXXX XXXX XXXXXXXX account from my Experian credit report. 

A written confirmation of the removal within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ).

If Experian insists on reporting this account, I demand full certification of accuracy from the original creditor, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

A detailed explanation of how and why this fraudulent account was reinserted, along with proof of compliance with FCRA reinsertion procedures. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to enforce my rights under the law. 

I expect your immediate attention to this matter and a response within the legally mandated timeframe. 

Sincerely, 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX are fraud accounts all three credit bureaus are refusing to except police report claiming its not a real police 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 explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am submitting a formal complaint against Transunion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Details of the Account in Question : Details of the Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Revolving Account Type Detail : Secured credit card Balance : {$150.00} Credit Limit : ( Varies between bureaus - discrepancy present ) High Credit : {$500.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Date of Last Payment : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations.

Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated.

As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to freeze my account on Equifax, but when I try to log in, the website says it can not complete this action at this time. I tried calling the service number, but could only reach a robot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an Amex gift card and have been unable to use it online despite multiple attempts. I tried using the card on various websites, including XXXX and XXXX, but the transactions were declined. I also attempted to add the card to digital wallets like XXXX XXXX and XXXX, but those attempts were also declined. The card balance should be enough to cover my transactions, and I followed all provided instructions for activation and use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 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: NV

Complaint narrative:
Experian, Equifax, and 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 Experian, Equifax, and 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 Experian, Equifax, and TransUnion 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 Experians, Equifaxs, and TransUnions inaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NV

Complaint narrative:
Experian, Equifax, and 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 Experian, Equifax, and 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 Experian, Equifax, and TransUnion 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 Experians, Equifaxs, and TransUnions inaction violated 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 non-monetary relief