vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and Equifax are showing accounts that has been closed for years and now its violating my inherent rights to liberty and pursuit of happiness because it has not took the necessary responsibility to take the negative report of my credit report which is in violation of the law and The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. 
I demand it to be erased immediately within the next 20 days and I demand to be compensated XXXX dollars each negative account for my pain and suffering and my ability to not obtain my new securities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Transunion and Equifax are showing accounts that has been closed for years and now its violating my inherent rights to liberty and pursuit of happiness because it has not took the necessary responsibility to take the negative report of my credit report which is in violation of the law and The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. 
I demand it to be erased immediately within the next 20 days and I demand to be compensated XXXX dollars each negative account for my pain and suffering and my ability to not obtain my new securities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am contacting the CFPB to file a complaint against Portfolio Recovery Associates regarding their aggressive and illegal debt collection practices. They have repeatedly contacted me regarding a debt that I believe is unverified and have used threatening language to pressure me into making payments. They have not provided proof of the debt. I never had a contract with this debt collector for any debt. They are trying to sue me for a debt they do not own. They have sent a process server to my residence 5 times when I was gone. This is harassment! 

Portfolio Recovery is engaging in illegal debt collection practices, including details like : unverified debt attempts, harassment, threats, misleading information about the debt, attempts to collect on a debt outside the statute of limitations, or failure to provide proper documentation when requested ; and request an investigation into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 accounts 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 to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
I am filing this urgent complaint against XXXX XXXX and XXXX major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my charge card account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as closed with {$760.00} written off, charged off as of XXXX XXXX, with delinquencies ( 30180 days past due ) in XXXX. This is utterly XXXX made all payments on time for this account, opened on XX/XX/XXXX, and never incurred delinquencies or a charge-off. The reporting is a baseless misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs.

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i.

Immediate removal of all inaccurate entriescharge-offs, delinquencies, and closure statusesfrom my credit report.

Compensation for the severe harm, including financial losses and the near-loss of my home.

Enforcement action against XXXX XXXX and CRAs for their willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
1. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) Credit bureaus must investigate and correct inaccurate or incomplete information within 30 days ( or 45 days in some cases ).

2. Right to Verification ( 15 U.S.C. 1681s-2 ) If an item is disputed, the credit bureau must verify the accuracy of the information with the original creditor or data furnisher. If they can not verify it, the information must be removed.

3. Right to a Free Corrected Credit Report ( 15 U.S.C. 1681i ( d ) ) If a correction is made due to your dispute, the bureau must provide you with a free updated credit report.

4. Right to Add a Consumer Statement ( 15 U.S.C. 1681i ( b ) ) If the bureau refuses to correct the information, you have the right to add a written statement explaining your dispute.

5. Right to Sue for Violations ( 15 U.S.C. 1681n and 1681o ) If a credit bureau or creditor fails to correct inaccurate information or violates your rights under the FCRA, you may have legal grounds to sue for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX XXXX my Bank of America ( BoA ) credit card was used for a fraudulent charge while I was purchasing gas in XXXX XXXX, XXXX. The fraudulent charge was for the amount of {$940.00} to the vendor " XXXX XXXX XXXX XXXX '' The charge was posted on my account on XX/XX/XXXX. On XXXX XXXX I contacted Bank of America fraud services to report the fraudulent charge and cancel the card. A temporary credit of {$940.00} was placed on the account. On XXXX XXXX I received notice that my claim was denied because " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I contacted BoA Fraud Services to provide more information about what had occurred and requested the claim be re-opened. On XX/XX/XXXX the claim was denied again. 
I called again and re-opened the claim. I asked the associate what information they had with me claim. I was told there was no information. No signature for the purchase, none of my previous statements. I re-opened the claim and gave a detailed description of what had occurred, as well as my research of this common scam in XXXX. 
My claim was denied again on XXXX XXXX. I called again and requested that my claim be elevated to management. On XXXX XXXX the claim was again denied, and no evidence was provided. 

Additionally, each time I opened/re-opened the claim, the associates told me not to pay the disputed charge. I was told that interest would not accrue on the disputed amount while the investigation was open. Despite these assurances, I was charged {$20.00} for interest on XX/XX/XXXX, despite having paid off the account minus the disputed amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I was preparing to make a purchase with my credit card but it was declined and when I called, the customer service rep. advised me my account was closed. She could not give me an explanation as to why. I had always paid my credit card on time and my balance was XXXX with a credit limit of XXXX. I asked the rep why I was never notified and she just kept apologizing, she tried to say they emailed me ( which they never did ) and when I asked for a date as to when they emailed me, she couldn't tell me. AND CONVENIENTLY I JUST received a letter from the credit card company ( over a month after they closed it ) BASICALLY TELLING ME they ran my credit and that's why they cancelled my card!!!!! I was in a motorcycle accident XX/XX/year> and was out of work for 3 months with NO pay and still made all my payments for my credit cards and car loans ON TIME!!! I wasn't even carrying a balance on this card! Disgusting these companies get away with this!!!! SHAMEFUL!!! This has brought down my credit score because they CLOSED THE ACCOUNT, people who see that don't know why it was closed, they'll obviously see it as negative mark, it also brought down my available credit. WHY CAN NO ONE UNDERSTAND WHAT THIS DOES TO NORMAL PEOPLE LIKE ME WHO HAVE OVERCOME MANY STRUGGLES AND WORKED HARD TO IMPROVE MY CREDIT TO GET OUT OF THE XXXX I LIVE IN. I fought XXXX XXXX and some of my credit cards got me through the financial hardship of that journey, so please thank ALLY CREDIT CARD FOR CANCELLING MY CARD AND I THINK there should be rules for these XXXX  also! Consumers get penalties and all kinds of horrible repercussions but these XXXX can just cancel a card because they feel like it AND DWON GOES MY CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: 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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My wife and I were contacted in the morning of XX/XX/year> with a suspected fraud alert for our credit card with Bank of America. Charges originating from XXXX were flagged and in total {$840.00} were charged to our credit card fraudulently before the card was suspended and we were requested to confirm if they were fraudulent charges. 

We confirmed the charges were fraudulent and our card was deactived within minutes of notification. 

On XX/XX/XXXX, we were notified the claim was closed and that our claim could not be approved. The reason provided was that " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' Neither my wife nor I were in or have ever traveled to XXXX. Our credit cards were in our possesion at the time of the events. We were both at work on those days. We did not approve of any charges in XXXX. We believe our card must have been skimmed, duplicated, and sold to an overseas buyer. 

Subsequently, Bank of America has rebilled us {$840.00} and making us liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED 2. US DEPT ED 3. XXXX 4. US DEPT ED 5. US DEPT ED 6. XXXX XXXX 7. US DEPT ED 8. US DEPT ED 9. US DEPT ED 10. US DEPT ED 11. US DEPT ED 12. 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 2025-03-03 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
This was the last letter requesting the charge be reversed and requesting arbitration. In addition I have multiple requests for this action as well as pictures to prove this product was removed and returned by the company. 
XX/XX/2025 RE : XXXX XXXX  Charge To whom it may concern, XXXX XXXX  is currently in litigation involving the only charge on this account. In addition, the contract for this charge has been cancelled as the product involving this charge has been removed and returned per XXXX XXXX themselves. In addition, for this charge to be on my credit card I want XXXX XXXX to provide a contract that states this transaction to be made to my account. Also, I am reiterating that I have already submitted all the documentation, including pictures of the product removed and loaded into a XXXX XXXX  vehicle, verifying my claim that the original product charges on my account HAS BEEN REMOVED AND RETURNED by XXXX XXXX themselves. Therefore, this charge should be reversed immediately and all money that I paid towards this charge should be credited to my account and returned to me. Synchrony Bank has failed me as a consumer as they know as well that the product has been removed and returned. In addition, they ( Synchrony Bank ) have NEVER sent anything to me letting me know the status of any disputes that I have filed, asked me questions regarding this transaction or asked for any other information that might be needed to conduct an adequate review of my dispute. But I will reiterate that ALL the product was removed and returned by XXXX XXXX  themselves. NO RESOLUTION HAS BEEN REACHED. And the only resolution that I will agree to is for this charge to be reversed immediately and for my account credited and money paid by me to be refunded. I have continuously requested Arbitration for this charge and again, I AM REQUESTING AND DEMANDING arbitration immediately. I am also requesting that a formal complaint be filed against any and all persons that have said they have reviewed this complaint in the dispute department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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