vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-03-27 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Trying to unfreeze my credit with Experian. My personal information is not working to access this online and the phone tree will not allow me to speak to an agent and the phone tree hangs up in me. I am unable to access my credit report because it is frozen ( which I did in the past as a result of the data leak from this company ). I am concerned this company is making it difficult to contact them without purchasing a premium account. My wife had the same problem and multiple other consumers have complained about this. It should not be so hard to access my personal information.

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 2025-03-27 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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 am filling a complaint to formally request an investigation into false and inaccurate information that has been reported on my credit file, which has caused significant financial and emotional harm to me and my family. Despite my efforts to dispute these inaccuracies with the credit reporting agencies and furnishers, the false information remains, negatively affecting my financial stability and future plans. 
.XXXX XXXX XXXXXXXX XXXX reported late payments on my secure credit card account ending XXXX despite several discussions XXXX XXXXXXXX XXXX didn't not removed the closed account on my report, neither update the report. 
XXXX XXXXXXXX XXXX reported late payments on my account ending in XXXX the same issue and did not update their investigation result with none of the credit bureaus. 
.- XXXX XXXX reported late payments on my account starting XXXX the same issue. 
.- XXXXXXXX XXXX same issue with my account ending in XXXX and removed the closed accounts on my report bring it to current. 
.XXXX XXXX XXXXXXXX XXXX XXXX late payment on my account ending in XXXX despite speaking with the collection department manager. 

These reports are inaccurate and not properly verified. I have disputed correctly with the credit bureaus and the furniture via XXXX, but the late payments and hard inquiries such as :.- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or proper documentation. Under 15 U.S.C 1681 S 2A furniture must report accurate information under 15 U.S.C 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

The inaccurate reporting has led to
: Financial Hardship Due to the false reports, I have been denied credit, loans, and housing opportunities. This has put a strain on my ability to provide for my family and secure stable living conditions.

Delays in My Plans I had plans to [ buy a home, start a business, secure a car loan, etc. ], but these false reports have either delayed or completely derailed these critical steps in my life.

Emotional and Psychological Distress The constant stress, frustration, and anxiety caused by these errors have taken a toll on my mental well-being. I have spent countless hours disputing and attempting to correct these reports, only to be met with roadblocks and a lack of accountability from the reporting agencies. 
Damage to XXXX XXXX XXXX reports suggest financial irresponsibility, which has led to unfair judgment from potential lenders, landlords, and even employers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
I am filling a complaint to formally request an investigation into false and inaccurate information that has been reported on my credit file, which has caused significant financial and emotional harm to me and my family. Despite my efforts to dispute these inaccuracies with the credit reporting agencies and furnishers, the false information remains, negatively affecting my financial stability and future plans. 
.XXXX XXXX XXXXXXXX XXXX reported late payments on my secure credit card account ending XXXX despite several discussions XXXX XXXXXXXX XXXX didn't not removed the closed account on my report, neither update the report. 
XXXX XXXXXXXX XXXX reported late payments on my account ending in XXXX the same issue and did not update their investigation result with none of the credit bureaus. 
.- XXXX XXXX reported late payments on my account starting XXXX the same issue. 
.- XXXXXXXX XXXX same issue with my account ending in XXXX and removed the closed accounts on my report bring it to current. 
.XXXX XXXX XXXXXXXX XXXX XXXX late payment on my account ending in XXXX despite speaking with the collection department manager. 

These reports are inaccurate and not properly verified. I have disputed correctly with the credit bureaus and the furniture via XXXX, but the late payments and hard inquiries such as :.- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or proper documentation. Under 15 U.S.C 1681 S 2A furniture must report accurate information under 15 U.S.C 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

The inaccurate reporting has led to
: Financial Hardship Due to the false reports, I have been denied credit, loans, and housing opportunities. This has put a strain on my ability to provide for my family and secure stable living conditions.

Delays in My Plans I had plans to [ buy a home, start a business, secure a car loan, etc. ], but these false reports have either delayed or completely derailed these critical steps in my life.

Emotional and Psychological Distress The constant stress, frustration, and anxiety caused by these errors have taken a toll on my mental well-being. I have spent countless hours disputing and attempting to correct these reports, only to be met with roadblocks and a lack of accountability from the reporting agencies. 
Damage to XXXX XXXX XXXX reports suggest financial irresponsibility, which has led to unfair judgment from potential lenders, landlords, and even employers.

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 2025-03-27 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-03-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XXXX of XXXX, I was sold a heating system and the vendor ( XXXX XXXX XXXX XXXX ) offered Synchrony as an interest free loan for part of the payment. I was told if I made the minimum payment of {$310.00} per month and did not miss a payment that these would go against principal and the interest would not be charged. I added auto withdrawal from my bank account so Synchrony would pull the payments monthly and I would not miss one. I received email statements/alerts when I first joined but see that those were discontinued in XXXX of XXXX. I received an email XX/XX/XXXX from Synchrony that my balance was {$11000.00} which was alarming knowing that I had paid {$310.00} per month for 29 months or {$8900.00} ( I have continued to pay {$310.00} per month hoping this will be resolved ). During XXXX of XXXX, my " promotional '' period which I was not aware of expired and {$5300.00} was charged in interest to my balance. I was not aware that this was being done because I was not receiving paper or electronic statements. There would be absolutely no reason I would not have paid this off had I been notified. Not only was this amount added but I have been charged interest each month on the outstanding balance at 27 %. I began receiving statements from Synchrony in XXXX of XXXX which is when I began contacting them. I have been told that they would not provide any proof that they sent me statements. My balance is currently about where I began so years of payment for nothing. I would like the interest charges refunded which would be the {$5300.00} plus the monthly charges since XXXX of XXXX. I have continued to pay in good faith and this has been very frustrating and time consuming. Thank you

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 2025-03-27 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I had spoken to a Bank of America representative on XX/XX/year> who claimed that my credit card was going to be written off on XX/XX/year> unless I was able to make a payment. She then offered to me an opportunity to make a monthly payment of {$80.00} for 6 months. I told her that I could pay today but somehow, we settled for XX/XX/XXXX but I wasn't able to make the payment until XX/XX/year>. I then, on XX/XX/year> made the scheduled payment of {$80.00} from my checking account to the credit card as I was informed to do by the representative. On XX/XX/year> I noticed that Bank of America had taken the {$80.00} payment from my checking account to pay my prearranged credit card payment. So, I called Bank of America to request payment of a double charge to my credit card account and I was told to wait until the payment posted. So today, I called to dispute the {$80.00} charge from my checking account. I was transferred 3 times and was told that they could not issue a credit to my checking account because, I had an overdue balance on my credit card account and there was no record that I had a payment arrangement. If I didn't have a payment arrangement for my credit card then how can Bank of America illegally take funds from my checking account?

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 2025-03-27 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-27 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 were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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