vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both TransUnion and XXXX have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement. FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. Despite my formal disputes, TransUnion and XXXX have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. 
This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. I request that the CFPB investigate the following issues : TransUnion and XXXX 's failure to conduct reasonable investigations into my disputes under FCRA Section 611. XXXX  illegal re-aging of the account and continued furnishing of inaccurate information. 
The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities.

I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Companies violated my rights to privacy, I have not showed me proof of original agreement and has negative accounts on my credit report. I gave no permission to or signed any contract for.

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 2025-01-06 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: TX

Complaint narrative:
These Companies violated my rights to privacy, I have not showed me proof of original agreement and has negative accounts on my credit report. I gave no permission to or signed any contract for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Explanation of My Complaint : Recently, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XX/XX/2024, I discovered that my XXXX credit limit had been slashed from {$22000.00} to {$5000.00} without any warning. I was not notified in advance, and the only communication I received was a vague email dated XX/XX/2024, citing a " periodic review '' as the reason for the reduction. 
This reduction had an immediate and detrimental impact : My credit utilization spiked, harming my credit score despite my responsible usage and perfect payment history. 
The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined. 
Why This Is Unfair : Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors. 
Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history. 
Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions. 
Desired Resolution : A thorough investigation into XXXX practices, including their lack of transparency and failure to notify customers adequately. 
Restitution for affected customers, such as reinstatement of previous credit limits or compensation for credit score damage. 
Improved communication policies to ensure that customers are warned and given a chance to address concerns before such drastic actions are taken. 
This situation undermines trust in credit card issuers and highlights the need for accountability when companies make sweeping changes that harm their customers. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request that these inquiries be removed from my credit report, as it is negatively impacting my loan applications and ability to obtain credit. Please also provide any documentation related to the removal of this inquiries. 
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/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 2025-01-06 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of items do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) 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. 

I am filing this to report multiple fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts include a XXXX cellular account, account number XXXX, opened on XX/XX/XXXX, resulting in a {$190.00} charge. XXXX fraudulent hard inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from all my consumer credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under the FCRA and FDCPA. I request the removal of the following fraudulent inquiries and addresses : XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Formal Notice of FCRA Violations and Request for Immediate Action In accordance with the Fair Credit Reporting Act ( FCRA ), I am notifying you of the accounts listed below that have violated my federally protected rights to privacy and confidentiality under XXXX U.S.C. 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 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 XXXXpon reviewing my TransUnion credit report on XX/XX/XXXX, I identified incomplete and inaccurate information. According to the FCRA, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of consumer report information, as outlined in 15 U.S.C. 1681e ( b ). 

Additionally, under 15 U.S.C. 1681i ( 5 ), inaccurate or unverifiable information must be addressed as follows : 1.If, after a reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete the item of information from the consumers file or modify it to reflect accurate information.

Failure to comply with these federally mandated procedures constitutes a violation of my rights under the FCRA. I request immediate action to correct these errors and ensure compliance with all applicable regulations.

Please confirm receipt of this correspondence and provide an update on the corrective measures being taken. I look forward to your prompt attention to this matter.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-06 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: EQUIFAX, INC.
State: KY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TrueAccord Corp.
State: MS

Complaint narrative:
Description of XXXX : On XX/XX/year>, I received a notification from XXXX XXXX regarding a collections matter for an outstanding amount of {$410.00}. The communication indicated that this amount was being pursued for collection Actions Taken : XXXX. I reviewed my financial records to verify the legitimacy of the debt. 
XXXX. I attempted to contact XXXX XXXX on [ insert date of contact ] to seek clarification and discuss the situation. 
XXXX. [ Include any further actions you took, such as disputing the charge, making a payment, or asking for validation of the debt Please fill in any additional details or actions you took, especially the date you contacted them, to complete the description. If you need further assistance, feel free to ask!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Account Type : Individual Credit Card Account Status : Charge off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$1800.00} Balance : {$2300.00} Past Due XXXX : {$2300.00} Original Charge Off XXXX : {$2300.00} Last Payment : XX/XX/XXXX This was for a synchrony tjMaxx credit card opened under my name that I did not authorized or know of. However, I realized this too late because I was young and didn't know how or where to go to monitor my credit or personal information. It was opened in XXXX which I had no knowledge of until a couple years ago I checked my credit report and it stated that I owe this credit company x amount of money, I tried disputing it since through third-parties like XXXX XXXX and all three credit reporting agencies but to no avail it all came back as " accurate ''. There are several other inconsistencies and inaccuracies that I found that was reported to the credit bureaus through this creditor. There have been XXXX addresses added to my name that I have never lived at, either that or very similar address with a number or XXXX off to my real address that have been added underneath this creditor. Furthermore, my " birthdate '' is incorrect under this creditor which has reported wrong " personal information '' to other parties. I have disputed the different addresses to XXXX, XXXX, and XXXX and they were not too helpful. Even when XXXX reporting agencies would remove the false address it would still show up in other reporting agencies which was really frustrating. My credit has suffered due to this inconsistency and it constantly shows up as " delinquency '' or " derogatory '' on my credit reports. I don't have documents or " bills '' from this company since I have never received any bills to my correct address.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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