vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>

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 2025-02-22 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: MI

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting by Affirm Dear CFPB I am writing to formally dispute inaccurate information that Affirm is reporting on my credit file. Specifically : Account that was fully paid with the original balance of XXXX. 

First issue is, Affirms Re-Aging of My Payment History : Affirm has incorrectly reported my first payment as XX/XX/year>, which is inaccurate and misleading. This misrepresentation of my payment summary has negatively impacted my credit history. Also, Affirm has incorrect Delinquency Reporting on my consumer profile 's payment summary. Affirm is reporting my account as 60 days past due as of XX/XX/year>. However, I made a payment that month, bringing my account current. Despite this, Affirm failed to update my account status to reflect current after a payment was completed on my XXXX credit Profile Payment Summary, leaving it incorrectly marked as 60 days delinquent. 

These inaccuracies violate federal and state consumer protection laws, including : Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting inaccurate or misleading data to credit bureaus. Affirms failure to update my payment status and its re-aging of my account violate this provision. 

Consumer Financial Protection Bureau Regulations : Under the CFPBs authority, creditors and furnishers are required to maintain accurate and fair reporting of consumer credit data. Providing false or misleading information can be considered an unfair, deceptive, or abusive act or practice. 

California Consumer Credit Reporting Agencies Act California Civil Code 1785.25 ( a ) : States that a company can not furnish information to credit reporting agencies that it knows or should know is inaccurate. Affirms failure to correct these errors after my account was made current is a violation of this law. 
Californias Unfair Competition Law Business & Professions Code XXXX : Prohibits unfair, unlawful, and fraudulent business practices, including misleading credit reporting practices that harm consumers. 

I already disputed this account with XXXX and Affirm continued to furnish them with this inaccurate information. Affirm is in Violation of FCRA 15 U.S.C. 1681e ( b ) ( Failure to Maintain Maximum Possible Accuracy ). 

Affirm has a duty to provide only accurate and up-to-date information to XXXX. By continuing to report the wrong account status after a dispute, they failed to meet this standard. 

I am requesting that Affirm promptly correct these errors by removing this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" Experian is reporting a bankruptcy on my credit report, but they have not directly verified it with the bankruptcy court. Per the FCRA, if they can not obtain verification directly from the source, it must be deleted. I request immediate removal. ''

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 2025-02-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft.

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by CITIBANK NA. 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXXXXXX XXXX XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
In XXXX of 2021 I had cancelled my car insurance and I was facing hardships at the time so it went to a collections agency on XX/XX/year>. I had settled with the creditor on an amount lesser than I owed. I have called the car insurance company and the debt collector and they both claim that the account is closed. However that is not what my credit report shows and it is negatively impacting my credit score. I have called the debt collector and explained that it shows a balance of {$0.00} dollars, but the account is showing open on my credit report. I have asked as a one time forgiveness if they would mark it as paid in full as I had asked that when I originally settled the first time and it was not done. The creditor that I spoke to was very rude and would not do anything for me. This has been on my report inaccurately reflecting my score for quite some time now and now I am in a time crunch where I need my credit score as high as possible. Now I am struggling and I desperately need my information to be corrected/updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I am writing to formally dispute a negative item on my credit report regarding an account with XXXX XXXX XXXX / XXXX. Below are the details of the account : Creditor : XXXX XXXX XXXX / XXXX Account Numbers : Account XXXX : XXXX Account XXXX : XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute any inaccurate, outdated, or unverifiable information on my credit report. Since this account is closed, has a {$0.00} balance, and is reported as current, it should not have any negative impact on my credit history. Any negative indication related to this account is unfair and misleading.

Under FCRA 1681i ( a ), the credit reporting agencies must conduct a reasonable investigation of disputed items. Additionally, if the information can not be verified or is found to be inaccurate, it must be removed or corrected. Since this negative item is inaccurate and unfairly affecting my credit score, I am requesting the immediate removal of this account from my credit report.

Please provide a written confirmation of your investigation and resolution of this dispute. If the item is not removed, I request a detailed explanation, including the method used to verify the account information.

I have attached a copy of my credit report with the disputed account highlighted for your reference. Please consider this letter as a formal complaint and act accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe.

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 2025-02-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> an unauthorized transaction was made from my Chase Checking account to a merchant named XXXX XXXX using XXXX XXXX. The amount was for {$50000.00} and it was posted on XX/XX/XXXX. Immediately I filed a complaint with my bank and was denied because they claim since it was XXXX XXXX it is with face recognition. The issue here is that they are aware that my phone, wallet and credit cards were all lost and they can verify that through a police report that I filed on Wednesday XX/XX/XXXX, it is possible to use my phone with face recognition if the person also has access to my photo ID, as I was told by the police officer that took the report. Chase told me I could not even appeal their decision that I had to take it up to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I currently had a credit card with XXXX XXXX through synchrony. I've had this card for a very long time. On XX/XX/XXXX of XXXX, XX/XX/XXXX, and XX/XX/XXXX I made credit card payments for {$100.00} each when I looked at my credit to make a payment tonight. I noticed that I only had {$63.00} available when I called to inquire about it. They told me that they had decreased my limit and had sent a letter to me XX/XX/XXXX. I have yet to receive this letter. I don't understand how I can make {$300.00} payments and after that they decrease my card balance. After being a customer for so long, I was completely shocked with this and totally disregarded on the phone. They offered to read me the letter but the damage had already been done. I told them to close my card. I have never had this happen to me before, but the fact that I made {$300.00} in payments and after that they decrease my limit I feel that that's not right and there's something wrong with that. That's abuse. I just hope this isn't happening to anybody else. I have statement activity and everything if you need it.

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 2025-02-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-22 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: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$710.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-02-22 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXXXXXX 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 explanation