vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-01 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: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to child support offices in regards to them reporting to the bureaus of any debt or accts, they notified me that they dont, this debt is hurting my credit and it wasnt reported by them, the credit bureaus under fcra should not be reporting this debt it is a violation, so I want them to show proof of anything that the state of florida provided them to report this debt not public records

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 2025-03-01 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 reached out to child support offices in regards to them reporting to the bureaus of any debt or accts, they notified me that they dont, this debt is hurting my credit and it wasnt reported by them, the credit bureaus under fcra should not be reporting this debt it is a violation, so I want them to show proof of anything that the state of florida provided them to report this debt not public records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
Equifax is reporting XXXX missed payments on my consumer credit report with regard to a XXXX XXXX account. Last payment reported is XX/XX/XXXX. The payment history reflects NOT CURRENT ( late ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX The payment history also reflects NO DATA from XXXX XXXX. Equifax has violated multiple FCRA laws time and time again. 
FCRA Section 623 15 USC 1681s-2 Responsibilities of furnishers information FCRA 15 USC 1666 ( a ) ( b ) This account has been disputed multiple times and continues to report erroneous information. A report has also been filed with the FTC and I will be seeking arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: AL

Complaint narrative:
Company repeatedly added inaccurate information to my credit report. Account do not belongs to me

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 2025-03-01 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: U.S. BANCORP
State: OH

Complaint narrative:
A charge off on XXXX is showing charged off on XXXX different dates? How is this possible and there was never any 1099c sent to me? Also I believe this is a serious violation. Furthermore they reported id completely different on transunion credit reporting agency? This shows how US bank is not following federal policy. Also how can it be reported as paid in full from one agency but charge off on another with a balance? I have disputed these inaccurate reports but nothing has been done other than updating new dates to keep this inaccurate information on my reports? I included both XXXX report so it can be compared to XXXX and also XXXX due to inaccurate reporting. Due to multiple inaccuracies and multiple violations to my rights i demand immediate removal of this accout from all three reporting agencies.

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime acccount appeared on credit report and I havent had a chime account in over 2 years. Information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
these accounts should be removed from my credit report, they are no longer open they are showing open and they were part of a bankruptcy that happened yrs ago. the courts do not report to the bureaus, I should not have these accounts on my credit profile hurting me.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I never received any alert or bill via US mail, e-mail, or text from Bank of America stating that I had a balance of {$32.00} past due on my XXXX airlines credit card. Only when I noticed that my credit score had dropped due to a delinquent account did I investigate to determine that this credit card had a balance about which I had not been notified. 

I have paid the {$32.00} outstanding balance in full but would like for this delinquent account to be removed from my credit report as soon as possible due to Bank of America 's failure to contact me at any time or send a statement reflecting that charge, which I would have paid in full were it provided.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have accounts that were settled and paid. I had a credit payment history of 100 %. I checked today, and now, all of a sudden, my history dropped down and shows late payments on accounts that are paid and closed. The agreement from previously was to update all history to not be late. It was done but now all of a sudden years later, it has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: AL

Complaint narrative:
Company repeatedly added inaccurate information to my credit report. Account do not belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
The credit bureaus keeps closing my accounts for no reason, and they are not putting these accounts back on my credit profile

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 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I disputed a collection account on my credit report and provided a debt validation letter requesting that I be given any contract with my name and signature between I and the original creditor. And if not that all communication and payment reporting be stopped immediately so that further damage to my credit account and score will decease

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 explanation
Consumer complaint received 2025-03-01 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: DC

Complaint narrative:
I would like to formally dispute the late payments and hard inquiries listed on my credit report, as I do not recognize the lenders involved. These inquiries appear unauthorized, indicating potential inaccuracies in my credit file. 

Furthermore, I assert that payment was neither late nor missed on the specified accounts. Consequently, I request the removal of these erroneous hard inquiries and late payments from my credit profile to ensure its integrity. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
My information was compromised with XXXX XXXX XXXX XXXX XXXX I have several items Im not associated with thats showing I owe a debt to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XX/XX/year> i called the collection agency regarding a dept that that was written off and then they moved the charge to agency to collect the dept. also i looked on credit and XXXX said the balance is a XXXX. but the next day i see on my credit from the agency. they said to me that my last payment was XXXX dollars they cant provide we any info from the XXXX. from the beginnig the has it as a charge off profit lost. but the cant provide me a 1099c. because they written it off on there end. they need to provide it to me. also i paid 82 % of the loan and they didnt have a record of t his

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus keeps closing my accounts for no reason, and they are not putting these accounts back on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-01 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: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2025-03-01 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: NJ

Complaint narrative:
I have recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This ongoing issue is deeply concerning, as it is causing unnecessary stress and negatively impacting my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/year> I got a personal loan for {$5300.00} ( Because I really needed the funds ) I deposited to me account that same day and the funds got put on hold, ive been going back and forth with the loan company ( XXXX  XXXX ) and my bank Citizens bank they told me the funds where going to get released on XX/XX/year> which is today. My funds never cleared I called the bank AGAIN, they keep on saying that it is XXXX XXXX institution that cant release them, XXXX XXXX keeps on saying its my bank that wont release them. We then spoke to the checks institution bank and they confirmed that they have released the check and the funds have been pulled out of their account on XX/XX/XXXX, Citizens bank are the ones holding the money from me and will not give me an answer to why! 
I need to make my first XXXX XXXX payment for this Loan on XXXX the XXXX. How am I supposed to make a payment for something I never received? I need to know whats going to happen with my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX BALANCE {$77.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$74.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$100.00} Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$86.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$910.00} Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
Received this by email threatening to garnish wages and has court order. I do not know anything about this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice Issued on : XX/XX/year> Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Settlement Amount : {$490.00} for Today or XXXX payments of {$280.00} from Today ( Outside the courthouse ) Dear Debtor This is our official notice to you regarding the due payment with Advance Group. You have defaulted to pay the dues. 

TO THE GARNISHEE : The creditor has obtained a court order against the debtor. The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by installments. ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and XXXX or more co-owners. ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency. 

( a ) all debts now payable by you to the debtor, within 7 days after this notice is served on you; and ( b ) all debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued, within 7 days after they become payable. 

The total amount of all your payments to the clerk is not to exceed $ ( XXXX ) .THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied. If you do not pay the total amount or such lesser amount as you are liable to pay, you must serve a XXXX XXXX ( XXXX XXXX ) on the creditor and debtor, and file it with the collection XXXX within 7 days after this notice is served on you. 

You did not make the payment, despite repeated requests from our side. 

If we do not receive the payment in full by XX/XX/year> ( deadline ) we will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 

We are open to discussion until XX/XX/year>, but after this date, we will have no other option, but to go with the legal proceedings. 

If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$1000.00} and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. 

Please reach out to us immediately if you would like to set up a repayment plan. 

Best Wishes, XXXX XXXX XXXX Department for Debt Collection and Bank Fraud

Company response to consumer: Closed with explanation