vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a text message on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. Stating that they are attempting to collect a debt that i disputed with XXXX XXXX and associates back in XX/XX/year>. This was removes due to lack of verification and this being a FTC violation of code 15 USC CODE 1681S-2. It looks like prince XXXX has since sold my information to the above. Again direct violation of FTC. I disputed this with Experian and they stated the information is correct. However it is not. Also, it is missing collection agency address a contact number.

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 2025-02-18 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:
I have been disputing/inquiring about the following items on my credit report over the course of the last year. Every time I send a request directly to this bureau they have failed to " prove '' that the reported items in question are accurate and true. They either do not respond or simply say that it is correct with no information or documentation that can verify that these accounts are valid.

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 2025-02-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> To Whom It May Concern at Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX This letter serves as a formal complaint regarding inaccurate and incomplete information listed on my credit report, specifically concerning the notation of late payments on account number Account Details : Account Number : XXXX XXXX Account Status : PAYS_AS_AGREED Account Type : REVOLVING Loan Type : SECURED_CREDIT_CARD Balance : {$660.00} Credit Limit : {$720.00} High Credit : {$660.00} Available Credit : {$62.00} I am disputing the listed late payments on this account, as I believe the information is not accurate. I request a thorough investigation to verify all data associated with this account, including every notation, date, and balance, whether reported or not.

Furthermore, I respectfully request that you provide me with specific proof that these alleged late payments were indeed late. Please provide access to all statements and payment transaction records from the creditor that would substantiate the claim of late payments.

As per consumer protection laws, I understand that you are required to verify disputed information with the reporting creditor. If they are unable to provide sufficient proof of these payments being late, I request that you update my payment history to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status on this account.

Please address this matter promptly and update my credit report accordingly. 
Sincerely, 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 2025-02-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> To Whom It May Concern at Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX This letter serves as a formal complaint regarding inaccurate and incomplete information listed on my credit report, specifically concerning the notation of late payments on account number Account Details : Account Number : XXXX XXXX Account Status : PAYS_AS_AGREED Account Type : REVOLVING Loan Type : SECURED_CREDIT_CARD Balance : {$660.00} Credit Limit : {$720.00} High Credit : {$660.00} Available Credit : {$62.00} I am disputing the listed late payments on this account, as I believe the information is not accurate. I request a thorough investigation to verify all data associated with this account, including every notation, date, and balance, whether reported or not.

Furthermore, I respectfully request that you provide me with specific proof that these alleged late payments were indeed late. Please provide access to all statements and payment transaction records from the creditor that would substantiate the claim of late payments.

As per consumer protection laws, I understand that you are required to verify disputed information with the reporting creditor. If they are unable to provide sufficient proof of these payments being late, I request that you update my payment history to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status on this account.

Please address this matter promptly and update my credit report accordingly. 
Sincerely, 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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
This is my XXXX XXXX credit card that I have had for five years now. Ive only ever used it for gas or groceries and I immediately pay it off. Somehow theyre messing with my money now. 

My due date is the XXXX of every month. 

I made a payment of {$34.00} on XX/XX/XXXX and was charged a {$41.00} late fee on XX/XX/XXXX. 
This payment has still not reflected on my balance and my balance keeps going up. 

I paid {$40.00} on XX/XX/XXXX and it has still not reflected on my balance. 

Finally on XX/XX/XXXX I paid my full balance statement of {$150.00}. On XX/XX/XXXX they charged me another {$41.00} late fee. 

I paid my full balance, and somehow they still have not reflected this on my balance and now my balance is {$200.00} I have all the screenshots, I called my XXXX XXXX bank, and they said that First Progress has indeed received my payments and no one at First Progress is able to help me or tell me why my payments are not reflecting on my balance, and I am very frustrated, Ive made several claims, they said they would remove my late fees and they have not. I have gotten nowhere and I feel helpless for this has now dinged my credit TWICE! I dont even use this card ever and somehow my balance is {$200.00} I have sent emails and gotten no response, nothing has helped and I am desperate for someone to please help me figure this out for now. It is affecting my credit. If someone can please call me or email me, I have screenshots between my credit card transactions as well as my bank transactions and I just want this taken care of for it has caused more stress than I can put into words. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-02-18 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-02-18 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a text message on XX/XX/XXXX from Credence Resource Management , LLC. Stating that they are attempting to collect a debt that i disputed with XXXX XXXXXXXX XXXX XXXX back in XX/XX/2024. This was removes due to lack of verification and this being a FTC violation of code 15 USC CODE 1681S-2. It looks like XXXX XXXXXXXX has since sold my information to the above. Again direct violation of FTC. I disputed this with XXXX and they stated the information is correct. However it is not. Also, it is missing collection agency address a contact number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IL

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 2025-02-18 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Obtained a copy of my credit report from Equifax. Upon reading my report I noticed unauthorized inquiries on my report. I do not have any knowledge on these companies listed below : XXXX XXXX XXXX Stellantis XXXX XXXX  XXXX TT of XXXX XXXX I have filed a report XXXX FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain 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 2025-02-18 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: FL

Complaint narrative:
Certified letter were sent notifying the credit bureaus of multiple attempts made running my credit without my authorization on consecutive days and months. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information I believe is inaccurate or unauthorized, and the bureau is required to conduct a reasonable investigation.

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 2025-02-18 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. 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 Account Name : XXXX CREDIT XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX 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 XXXX 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being. 

Immediate action is expected.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate removal of a tradeline from my credit report due to a violation of reporting standards. Upon review, I have found that this tradeline is not reported with the maximum possible accuracy, which directly impacts the integrity of my credit file.

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 2025-02-18 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: KY

Complaint narrative:
PLEASE BLOCK AND REMOVE 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank enrolled me in a " Virtual Wallet with Performance Select '' account after acquiring my XXXX account in XX/XX/year>. I never consented to this account, which charges a XXXX XXXX monthly fee for balances below {$5000.00}. 

PNC has deducted {$270.00} in fees. I called customer service and explained that I was unaware that this account even existed, and that I didn't sign up for the " Virtual Wallet with Performance Select '' account, nor did I give them permission to do so on my behalf. I was able to get them to downgrade the account but they refuse to refund the fees. Other PNC customers report similar issues. I believe this is an unauthorized account opening and deceptive fee practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing/inquiring about the following items on my credit report over the course of the last year with Experian Credit Bureau XXXX Every time I send a request directly to this bureau they have failed to " prove '' that the reported items in question are accurate and true. They either do not respond or simply say that it is correct with no information or documentation that can verify that these accounts are valid. 

Please see attachment

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 2025-02-18 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: AL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C.

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solution is on my credit report as a collection. I have disputed it myself and I also have hired XXXX XXXX to dispute it. I found out the original creditor is XXXX XXXX XXXX I have never been with that phone provider. I also went to XXXX and they have no record of that company.

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