vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Repossession XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} Charge Off XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1100.00} Charge Off XXXX ( Original XXXX XXXX BANK ) Account XXXX XXXX Date Opened XX/XX/XXXX Balance : {$620.00} Collection XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANXXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$340.00} Collection XXXX XXXX XXXXS ( Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$650.00} Collection XXXX ( Original Creditor : XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$170.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$11000.00} Collection XXXX XXXXXXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$250.00} Collection XXXX  ( Original CreditorXXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$620.00} Collection

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 2025-02-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 


XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, has violated my rights. 


I looked at my TransUnion on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. XXXXB ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
In XX/XX/2024, I paid a medical bill through Optum ( my XXXX  ). The payment was processed on XXXX. The following month, I received a notice of late payment from the provider. When I spoke with them, they said they never received a payment. I called Optum, who referred me to XXXX XXXX, who told me that they processed the payment as requested. However, it was to a different provider who I did not know, never saw, and never heard of. I was told they " need to look into it '' and will call me back, which never happened. Since then, I have been calling at least monthly to inquire. I tried escalating the case, but no one ever seems to take notes, is familiar with the claim, or understands what happened. In the meantime, the actual provider sent me to collections. Because of Optum 's incompetence, I had to pay the same bill XXXX. 

I have spent endless hours of my life trying to get MY money back that THEY erroneously sent to someone else. It is appalling, to say the least. I pay XXXX fees for them to " manage '' my savings. What I am getting instead is utter mismanagement and theft!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX  XXXX states I have the right to privacy. 15 USC XXXXXXXX section 6 XXXX  XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXXB a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX  XXXX states I have the right to privacy. 15 USC XXXX section 6 XXXX XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you 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 2025-02-20 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: GA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights XXXX XXXX 15 USC XXXX section 6 XXXX XXXX states I have the right to privacy. 15 USC XXXX section 6 XXXX XXXX A section XXXX It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCXXXX XXXXXXXXB a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you 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 2025-02-20 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-02-20 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:
Dear CFPB, I am writing to formally dispute [ describe the specific issue, e.g., inaccuracies in my credit report, a violation of my rights under the Fair Credit Reporting Act, etc. ]. My relevant details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : xxx - xx - XXXX Account Number ( if applicable ) : [ Account Number or Reference ] Experian- Filed several disputes, Transunion - Filed several disputes, Equifax - Filed several disputes. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resole this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I request that the CFPB investigate this matter and provide assistance in resolving this issue. Additionally, I would appreciate any guidance on how to proceed further if my dispute is not resolved satisfactorily. Thank you for your attention to this matter. I look forward to your prompt response. 
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 2025-02-20 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: MS

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 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 2025-02-20 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: MS

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 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 2025-02-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Failed to proper investigate account and respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
The credit bureausEquifax, XXXX, and TransUnionhave violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. XXXXi ( a ) and XXXX ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. XXXX ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 found out that XXXX of my accounts were marked XXXX  days late, this is from my department of education loans : DEPT OF ED account has become XXXX  Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPT OF ED student loan account status changed from " Current '' to " XXXX  Days Late ''. XXXX XXXXccount has become XXXX Days Late Between XX/XX/XXXX and XX/XX/XXXX, your XXXX student loan account status changed from " Current '' to " XXXX Days Late ''.

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 2025-02-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XXXX  I had received mail that my information was being used in fraudulent claims. So as a XXXX civilian I had called TransUnion to put a temporary freeze on my account! Not long after that I called them to remove it and also removed the temporary freeze that was on my account online! But. Within the XXXX to XXXX  year XXXX  I have been trying to purchase a home and a vehicle, but for some odd reason TransUnion has been giving me the run around and during the process of me seeing about my purchases! The company ( sales associates ) had even talked to them on the phone regarding them permanently lifting my freeze thats been asked several of time XXXX to be lifted! Which they lied and said they did but never did and started discontinuing my phone calls of assistance that I needed! I need help please someone! And. Now it is impossible for me to even log in my Credit account with TransUnion they JEOPARDIZING ME ( Holding me back from being able to purchase an Home and a Vehicle ) and I havent been without! Etc

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 2025-02-20 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: TX

Complaint narrative:
XX/XX/XXXX - I received a notification for a hard inquiry on my report. Immediately, I contacted all three credit bureaus to inform them that I did not submit a credit application and would like to file a dispute. They confirmed with me that the hard inquiry was from XXXX XXXX, and told me that I should call the creditor directly. Before reaching out to the creditor, I asked if there was any additional information needed from me to expedite the process, though I had no information/details on my end. I was assured that once I contact the creditor, they will then inform the XXXX credit bureaus that I was not the person who submitted the application. 

When I contacted the XXXX XXXX they confirmed that there was a credit application submitted in my name with a XXXX XXXX address attached to it. I told the representative that I have been living in XXXX, XXXX  for almost XXXX  years. Then, I was told that the creditor would reach out to the credit bureaus to inform them of the error and that it should be resolved within XXXX - XXXX  days. 

After the XXXX  day mark, I reach out to all entities to follow-up on the status of my dispute and was told to wait the full XXXX  days. Soon after, the hard inquiry dropped off of all reports except Transunion. 

I reached out on XX/XX/XXXX to get an update on my dispute ( Case # XXXX File # XXXX ) because the hard inquiry was still on my Transunion report. Unfortunately, I was told that my case was not being resolved between the credit and Transunion, and I needed to submit FTC report to resolve the issue.

Company response to consumer: Closed with explanation