vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. Thank you. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought three Mastercard vanilla gift cards from XXXX, XXXX in the amount of {$110.00}, and two in the amount of {$500.00}. When I went to XXXX  to make my cell phone payment, the {$110.00} went through, however one of the {$500.00} did not. I called the XXXX on the back of the card only for the rep to tell me the card had been compromised. He told me to provide the original receipt, a utility bill, the gift card, and my driver license, he provided me a reference # and an email address where to send the documents to. He said the process should take XXXX business days. On XX/XX/XXXX, I attempted to use the other {$500.00} card at XXXX only to find out that card too had also been compromised. I called customer service yet again, who told me to take a picture of the card and send it to the email referencing the same reference # as the day before. I started to email customer service to get status on my cards on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, only to hear nothing in response. I called on XX/XX/XXXX, and spoke with a supervisor only to find out that now I have to wait up to 30 days because I was misinformed by the first representative, but, she opened a new reference # for the second {$500.00} ( the one that was attempted on XX/XX/XXXX ) because that one was never attached to the first reference #. All the while, Im still without a cell phone and close to being put in collections with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
To whom it maXXXX concern I did not open these accounts. Please remove account immediately. Thank you.

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 2025-06-08 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: MI

Complaint narrative:
This is my third formal request regarding the inaccurate charge-off information currently reported on my credit file. I have previously sent two certified dispute letters requesting an investigation and removal of this inaccurate data in accordance with the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a response or confirmation of action taken. 

This continued lack of response is a violation of my rights under 15 U.S. Code 1681i, which requires a reinvestigation within 30 days. I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected and to request the immediate removal of the inaccurate account information. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
This is my third formal request regarding the inaccurate charge-off information currently reported on my credit file. I have previously sent two certified dispute letters requesting an investigation and removal of this inaccurate data in accordance with the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a response or confirmation of action taken. 

This continued lack of response is a violation of my rights under 15 U.S. Code 1681i, which requires a reinvestigation within 30 days. I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are protected and to request the immediate removal of the inaccurate account information. 

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

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
-- - * * Subject : * * Immediate Action Required Formal Dispute of Inaccurate Credit Reporting Dear Experian, This letter serves as a * * formal demand * * for the immediate removal of the following account due to inaccurate reporting : - * * Creditor Name : * * XXXX - * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Status : * * Charge-Off This account has been * * erroneously reinserted * * into my credit report despite previously being removed following a completed dispute. The reporting of a * * balance on a charge-off account * * is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). A charge-off indicates that the creditor has officially written off the debt, meaning * * no balance should be reported * *. 

Experians failure to ensure accurate credit reporting constitutes a direct violation of the following federal laws : - * * Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) * * Charge-off accounts should not reflect a balance. This incorrect reporting contradicts established credit reporting guidelines. 
- * * Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) * * Despite prior disputes, Experian has failed to properly investigate and correct this inaccurate reporting. 
- * * Unfair and Deceptive Practices ( CFPA 1036 ( a ) ( 1 ) ( B ) ) * * Reinserting inaccurate information without proper resolution constitutes deceptive and unfair treatment of consumers. 

I am aware of the * * Consumer Financial Protection Bureau 's ( CFPB ) lawsuit * * against Experian for similar violations, including its failure to correct inaccurate credit reporting. The fact that I am experiencing the same issue demonstrates continued noncompliance. 

* * This matter requires immediate correction. * * I demand that Experian take the following action without delay : * * 1. Permanently remove the inaccurate account from my credit report. * * Enclosed are supporting documents, including previous dispute correspondence and relevant account statements, to assist in your investigation. As mandated under the FCRA, you * * must * * respond within 30 days. 

If this matter is not resolved promptly, I will escalate my dispute by filing complaints with the * * CFPB, FTC * *, and pursuing legal action to ensure compliance. 

* * I expect immediate action. * * Sincerely,

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXXXXXX XXXX XXXX # XXXX, XXXX ) -XXXX # XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My bank account has been hacked so many times since last year, Ive won some of the disputes, but not all. Im out almost {$3400.00}. They were able to get on my phone and computer to hack in.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX needs to be BLOCKED from my credit report immediately because it's violating my consumer rights because it's inaccurate and fraudulent information XXXX XXXX XXXX account needs to be removed immediately and BLOCKED Dept of education XXXX needs to be blocked from my credit report immediately and BLOCKED XXXX XXXX  XXXX needs to be removed and BLOCKED from my account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXX XXXX  XXXX # XXXX, XXXX ) -XXXX XXXX XXXXXXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and XXXX XXXX XXXX XXXX XXXX XXXX FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

7. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

8. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I kept getting paper statement fees even though I've always been opted out of them. I've had to disable them several times in the app. I've contacted them 3 or so times, begging them to stop sending me paper statements. I was able to get the first few refunded, but the most recent time they said they would make an exception to the only once rule and do it for me a second time, but they didn't. That person, escalated one level, who lied to me, told me that my emails are bouncing, so they have to send paper. Their spam emails get through just fine. I added them to my contact list to try and whitelist them, but that hasn't seemed to work. I've wasted so much time calling and trying every contact method I can. Why can't they stop paper bills or do anything on their end? I have on autopay so there is no need for them to force a message 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 monetary relief
Consumer complaint received 2025-06-08 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: IN

Complaint narrative:
BOTH .. DEPT OF EDUCATION ACCOUNTS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE THEY ARE FRAUDULENT AND IT'S INACCURATE INFORMATION THAT'S VIOLATING MY CONSUMER RIGHTS DEPT OF EDUCATION XXXX XXXX.... XXXX DEPT OF EDUCATION XXXX XXXX XXXX THESE ARE DUPLICATE ACCOUNTS THAT NEEDS TO BE BLOCKED IMMEDIATELY

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Summary of the Issue : On XX/XX/year>, I made a purchase at a XXXX XXXX store. According to XXXX XXXX, the amount charged to my account should have been {$120.00}. However, my bank statement reflects a charge of {$550.00}, which is significantly higher than the authorized amount. 

Furthermore, the transaction on my bank statement is listed under the store name XXXX with the address XXXX XXXX XXXX. It also references XXXX XXXX. 

I have never done business with XXXX XXXX nor have I ever visited or authorized any transactions at XXXX XXXX XXXX. 

Actions Taken : I have already contacted XXXX XXXX regarding this discrepancy. They confirmed that only {$120.00} was charged. 

I have requested Credit Karma investigate this transaction, as the charge of {$550.00} is unauthorized and appears to be linked to a business and location with which I have no affiliation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I have been making payments to XXXX XXXX XXXX in a consolidated payment plan from multiple bills consistently and timely every month. I have a little bit over {$500.00} left to pay ( 3 payments ) until all charges are paid in full. The hospital sent the full original amount ( over {$3000.00} ) to a collection agency which is united collection. I have contacted the hospital, experienced, and united collection to which i have only received assistance from the collection office : I informed them that I have all the evidence of my approved hospital payment plan, timely payments out of my bank account, and remaining balances. The hospital continues to report the information as accurate to the collection agency and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AR

Complaint narrative:
Equifax and Transunion want me to pay a monthly fee of {$24.00} to keep my credit report up to date. It has not been updated since XX/XX/year> by both credit bureaus. And this has resulted in an unfair credit score of XXXX at Equifax and XXXX at TransUnion. On the other hand, XXXX  has been keeping my credit report current. Which is Exceptional at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A landlord overcharged me on move out when they don't have a legal right to. Experian doesn't do any investigation other than accept landlords fraudulent bill.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/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 non-monetary relief