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

Complaint narrative:
I, XXXX XXXX XXXX, am a federally protected consumer with a right to privacy under 15 U.S.C. 1681a ( 4 ) of the Fair Credit Reporting Act ( FCRA ). I am fully aware of my rights as outlined in 15 U.S.C. 1681, which requires credit reporting practices to be fair, accurate, and designed to maintain public trust. According to 15 U.S.C. 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to its continued functioning.

I am filing this complaint against Experian for violating these principles by inaccurately reporting the XXXX XXXX account ( # XXXX ) as 30 days late. Notably, Experian is the only credit bureau reporting this account as delinquent, both in the account status and payment history, while XXXX and XXXX show no late payments. This inconsistency demonstrates a failure to ensure the accuracy of my credit report and constitutes a violation of my rights. 

The reporting of this account by Experian is in direct violation of several provisions of the FCRA, including 15 U.S.C. 1681b ( 2 ), which prohibits reporting without a permissible purpose or written consent ; 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy ; and 15 U.S.C. 1681c-2, which prohibits the reporting of accounts related to identity theft without authorization. These violations constitute willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, making Experian liable for {$1000.00} per violation and further damages for the harm caused. As a result of this inaccurate reporting, I have suffered significant and immediate harm, including denial of a critical business loan and the inability to secure housing for myself and my family. 

I am requesting that the CFPB require Experian to immediately correct the reporting of the XXXX XXXX account to reflect a Fix the late status and provide written confirmation of the correction. I have already sought legal counsel and am prepared to pursue legal action if this matter is not resolved promptly. I respectfully request the CFPBs urgent attention to this issue and assistance in enforcing my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. 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, not later than 4 days. 

I am a victim of identify theft which has left me feeling vulnerable in distress fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit I am determined to take the necessary steps to clear my name and protect my identify and restore my financial wellbeing. I kindly request that you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibility. I appreciate any support and assistance in overcoming these unfortunate experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
Central Portfolio is reporting to the credit bureaus as a debt owed but I have no knowledge of this company. This company is not licensed to collect in the state I reside in ( Kentucky ) see attached. I have not signed any legal agreements or purchase agreements with this company. They are illegally reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am an Athorized user on XXXX XXXX ( XXXX ) account and want to be removed. They have not done it and I need my score to show 0 negtives asap. It's a XXXX XXXX Athorized user account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am an Athorized user on XXXX XXXX ( XXXX ) account and want to be removed. They have not done it and I need my score to show 0 negtives asap. It's a XXXX XXXX Athorized user account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 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. XXXX 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! Delete 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 non-monetary relief
Consumer complaint received 2025-04-04 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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 explanation
Consumer complaint received 2025-04-04 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed two transactions billed by XXXX which were charged to my credit card. I explained to the Citi Card representative that my son, XXXX XXXX , made these transactions without my authorization. XXXX is not an authorized user on my account and he went through my purse a while back and used my card. I told him he needed to stop using it as he would not pay me the amounts that were being charged, so I requested a replacement card sometime in XXXX. My son did the same and got ahold of this new card number, and made two new transactions on XX/XX/XXXX, amount of {$390.00} & XX/XX/XXXX amount of {$770.00}. Im not disputing any transactions from XXXX, but absolutely will not be accountable for the ones XXXX charged in XXXX. I have kicked my son out of my home due to this and many other problems. Citi Card & XXXX need to go after my son for these charges, and not myself. If Citi Card needs to sue him, they should do that. The driver license # for my son is XXXX, Citi card can go prosecute him. If Citi Card refuses to resolve these disputes, I will not pay my credit card statement balance and the entire credit card bill can go to collection. I do not understand why Im being held responsible for these unauthorized charges when I'm giving Citi Card all the info required for the dispute and also advertises fraud protection, when clearly this is false advertising when I'm still being held responsible. *this letter was translated from XXXX to 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 2025-04-05 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ACCOUNT XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
XXXX  disputed pandemic late payments in XXXX, XXXX & XXXX XXXX contacted creditor about late payments and creditor stated no CRA has contacted them about an investigation into late payments form consumer Experian reported to consumer the the late payments were verified and accurate and all other investigations were deemed frivolous. 
XXXX sent a certified letter requesting Experian methods and results of investigation Experian did not respond to 1st letter on XX/XX/XXXX. 
XXXX sent 2nd certified request for Experian to provide investigation results and finding XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a CD that matured at Synchrony Bank on XX/XX/year>2025 and I called at XXXX XXXX that morning to have the funds moved to my online savings account at the same bank. I checked my account on the afternoon of XX/XX/year>2025 and the total amount that I have in the bank now shows a total minus the {$27000.00} amount the CD. There is no evidence of that money having been moved nor that I even have that money. I spent time on the phone and was assured it will show up in my savings overnight tonight, but in the meantime there is no need proof or evidence that I have that money. With todays technology, I find this totally unacceptable. Closing a CD and transferring the funds to an account held by the same person at the same bank shouldnt require the money to disappear for 36-48 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

1. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TN

Complaint narrative:
On XXXX XXXX, 2025, XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : ( List accounts ) XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in XXXX days!

Company response to consumer: Closed with non-monetary relief