vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Credit, Inc.
State: OH

Complaint narrative:
I have been trying to get this Collection off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Indigo Mastercard reported an invalid amount to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
On my credit report a debit from XXXX XXXX XXXX XXXX is showing up as Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX I filed bankruptcy back in XXXX, they were listed on my paperwork for payment. They were notified of filing and didn't submit paperwork in my filing. It was removed at one point and now it is back on my credit files.

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 2025-01-27 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: GA

Complaint narrative:
On my credit report a debit from XXXX XXXX XXXX XXXX is showing up as Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX I filed bankruptcy back in XXXX, they were listed on my paperwork for payment. They were notified of filing and didn't submit paperwork in my filing. It was removed at one point and now it is back on my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-27 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: MA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions=I have been banking with this organization for over 20 years and have never had any major problems which is why I have stayed with them so long. Recently, I started getting an $ XXXX  monthly fee without any explanation. I have now talked to XXXX different people in person about why this is happening and have received various responses back : XXXX. I was told this was happening because I am no longer receiving direct deposit regularly like I have been ( which is correct, to be fair ). I was told at that time that if I use my debit card 10 times per month, it would fix the problem and, paying bills with the debit card DOES count. This was false and the charge kept on. XXXX. The next person explained to me that paying bills with the debit card does NOT count and the card has to be physically swiped XXXX times. I explained to this person that I have started a new job and will be getting direct deposit again and they stated that the problem would be fixed then. This was also false and the charge continued. XXXX. The XXXX person simply stated that they had to change my account again and then the direct deposits would fix the monthly fee. Again, false. The fee continued. XXXX. Highly frustrated at this point, the 4th person explained something that I had not been told before in regards to having to have a certain dollar amount in my account and/or a certain dollar amount deposit for the month in order to not get the fee. I calmly explained to this person that it would be my final time coming into a bank to speak to someone to assist me on this matter and that I would be taking action if the fee continued ; here I am..... 
In the paperwork I received, I see that a change was done effective XX/XX/year> in regards to this matter. The issue is that I never received any notification of this taking place and I have never signed anything agreeing to let the bank take any kind of fee from my account without my permission first. This is wrong and banks should not have the power to randomly start charging their customers any fees without warning, especially on accounts that have existed a long time and NEVER agreed to these changes. " Breach of Contract '' =an act of breaking the terms set out in a contract.

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 2025-01-27 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: OR

Complaint narrative:
I asked Experian to investigate these accounts, and, inquiries that are on my account, that are not, and, were not, authorized by me..I sent numerous letters out on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-01-27 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: FL

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 non-monetary relief
Consumer complaint received 2025-01-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/year>, I had went to XXXX XXXX to look for a new car. They had asked me to fill out a sheet for registering with the dealership. This sheet included my social security, but I specifically stated that I do not want to run a hard credit check and that I was simply just looking. Despite my clear intentions they had ran XXXX hard credit checks, through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This took a significant hit on my credit and I am unable to get any type of loan needed. I am able to start disputes with all but XXXX XXXX  as they had said they do not have any records of me or a credit check even after giving them my ssd and personal information. To be clear, absolutely NO AUTHORIZATION was permitted to do any type of credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Follow-Up Dispute Unauthorized complaint # XXXX Hard Inquiries ( Failure to Provide Proof of Permissible Purpose ) Dear Equifax Disputes Department, I am following up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my request for documented proof of permissible purpose, your response merely reiterated that these inquiries are a factual record of file access. This generic response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which explicitly states that a company must have a legitimate, documented reason to access my credit file. 

The following entities have conducted unauthorized inquiries on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that Equifax immediately provide the specific documentation each of these entities provided, including the exact permissible purpose they claimed under the FCRA. If Equifax can not furnish such documentation, you are legally obligated to delete these inquiries under 15 U.S.C. 1681i as unverifiable and inaccurate information. 

Failure to Comply Will Result in Legal Action If Equifax does not fully investigate this matter and continues to report these inquiries without verifiable proof of permissible purpose, I will have no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal consumer protection laws.

2. Initiate legal action for willful or negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o, which entitles me to statutory damages, actual damages, and attorneys fees. 


3. Seek injunctive relief to compel Equifax to remove the unauthorized inquiries through a formal lawsuit. 



I expect a substantive response within 30 days, including either verifiable documentation of permissible purpose or the immediate deletion of these inquiries from my credit report. Failure to do so will escalate this matter legally. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-27 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the erroneous account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX 's ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
am submitting this follow-up complaint regarding XXXX XXXX response to my original CFPB complaint dated XX/XX/year>. XXXX  has refused to act on my dispute, claiming it was not submitted directly by me or authorized by me. This claim is inaccurate, as I am the individual who submitted the complaint and authorized it. 

As a victim of identity theft, I disputed several fraudulent inquiries and entries on my XXXX  report that were made without my knowledge or consent. These fraudulent activities, which were included in my original complaint, are well-documented through my FTC Identity Theft Report ( # XXXX ) and police report ( XXXX XXXX # XXXX ). Despite providing sufficient documentation and evidence, XXXX has failed to investigate the disputed entries and has instead placed the burden back on me to start the process again, disregarding its obligations under the Fair Credit Reporting Act ( FCRA ). 

XXXX refusal to act on my dispute violates FCRA requirements, which clearly state : Under Section 611, a consumer reporting agency is required to investigate any dispute regarding the accuracy or completeness of information in a consumer 's file when notified by the consumer. 
The FCRA does not require disputes to be submitted in a specific format, as long as the dispute is clear, identifies the disputed items, and provides supporting evidence. 
I submitted my dispute with all required information, including my identity and supporting documentation, yet XXXX  has failed to process or investigate it. 
XXXX XXXX with XXXX XXXX : XXXX  incorrectly claims that my dispute was not authorized or submitted by me. 
XXXX  has placed unnecessary procedural barriers on my ability to dispute fraudulent information, in contradiction to the FCRA. 
XXXX inaction has prolonged the harm caused by fraudulent inquiries and entries on my report, which continue to negatively affect my financial reputation and credit score.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Unfortant I do not recall the exact date of lose and can not retrieve the date due to the bank forcefully closing my account. 

The day of the incident I was at the ATM depositing cash XXXX to be exact While I depost the money in the atm the time ran out and ended up " eating ''/ taking my money the full XXXX in cash There were no atrm numbers to call around the bank branch or atm and it was on a weekend when the banks were closed, therefore I had to wait to the next opened business day on Monday of XXXX 

Once I explained what happend the branch manager denied my claim yet she checked the atm for overflow of cash and checked the atm for my debt card. ' She said she found my debt card in the machine, and XXXX $ She retuned my card to me and said the XXXX $ could belong to anyone of their customers ' Overlooking the fact that I'm a customer that the overflow of money belonged to.. ' After weeks of going bqck in forth and contacting cust serv. etc. and nobody claiming the overflow she found off XXXX $ They eventually gave me the XXXX $ However there is still XXXX $ no accounted for and the Bank XXXX XXXX XXXX XXXX XXXX  ) shortly after forcefully closed my account. And I have not been able to alocate my XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I request the prompt removal of this unapproved inquiry from my credit report, as adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation