vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2025-01-14 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 writing to remove the following information from my file. The items that I have deleted are listed in the report. Without my permission. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the affidavit. Please remove these items as soon as possible.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was the victim of XXXX XXXX XXXX XXXX XXXX XXXX occasion. XXXX XXXX put multiple freezes on my account and ultimately closed the account and issued me a new account number. I've NEVER paid an obligation late. I am on auto-pay with all creditors. 4 of my creditors reported me late. I've sent them letters and included police reports, bank letters and other supporting documentation, yet they refuse to correct their incorrect derogatory 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 2025-01-14 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: RI

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX ) XXXX XXXX : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN

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 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I obtained 2 synchrony Bank credit cards : one from Ashley furniture the other from rooms to go after I bought my first home in XXXX XXXXXXXX I tried to use my Ashleys card for a second purchase and it declined In XXXX I contacted them to find out why i was told they issued a letter that they lowered my card about {$1000.00}. Shortly after I received one for the Rooms to go card as well. When I contacted them and confronted them that lowering my balances caused my score to drop, that advised they reserve the right to lower the balances at anytime and they do not need to notify me prior to doing so. I tried to speak with them as it was known I was in the process of furnishing my home. So my card balances have increased, but I have not missed any payments and will be lowering my balance within the first quarter of XXXX. They advised they will not reinstate the original limit and they are entitled to decrease as they see it. On XX/XX/XXXX I received a letter that they decided to close my Account on the Ashley card while in still paying the balances on the card. I have not missed one payment and should have 2 years to pay off my purchases. This of course will have horrible effects my credit while Im in the process of working to pay off my cards and bring back up my 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 2025-01-14 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: NC

Complaint narrative:
My personal information was exposed in the XXXX  XXXX data breach, making me a victim of identity theft. A fraudulent account, XXXX XXXX XXXX  XXXX is on my credit report and harming my credit. Despite previous disputes, it remains unresolved. Under the FCRA, identity theft disputes should be resolved immediately. I request the immediate removal of this account. Attached is my FTC Identity Theft Report for reference. Please confirm once it has been removed. 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 non-monetary relief
Consumer complaint received 2025-01-14 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:
My personal information was exposed in the XXXX  Equifax data breach, making me a victim of identity theft. A fraudulent account, XXXX XXXX XXXX XXXX is on my credit report and harming my credit. Despite previous disputes, it remains unresolved. Under the FCRA, identity theft disputes should be resolved immediately. I request the immediate removal of this account. Attached is my FTC Identity Theft Report for reference. Please confirm once it has been removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America case XXXX. I issued a payment to XXXX XXXX, an air conditioning company based in XXXX, via the Bank of America ( BOA ) online Bill Pay portal. The check was sent and processed directly by BOA, and the funds were withdrawn from my account by BOA on XX/XX/XXXX. However, the payment of that check was not applied until XX/XX/year>. XXXX of Fraudulent Alteration : On XX/XX/year>, I was informed that the check had not reached the intended destination, so I called BOA to inform and request that they investigate the situation. On XX/XX/XXXX I was informed by BOA that the check had been fraudulently altered and cashed by an individual in the state of XXXX XXXX On XX/XX/XXXX I received an affidavit and a copy of the check where I learned that the altered check was cashed at a XXXX XXXX XXXX XXXX XXXX, XXXX  by XXXX " XXXX XXXX XXXX man, without my knowledge or consent. Affidavit and Documentation Submission : Upon learning of the fraudulent activity, I completed all steps requested by BOA, including signing and submitting an affidavit stating that I did not know or authorize the individual in XXXX XXXX to cash the check. I promptly sent the affidavit on XX/XX/year>. Unresolved Claim and Lack of Response : Despite my prompt response and submission of the required affidavit, Bank of America has failed to resolve my case. As of today, no resolution has been offered, and I have not received any compensation for the fraud that occurred. I have made multiple inquiries, but the matter remains unresolved, and I am unable to obtain a satisfactory response or update from the bank. Impact and Request for Assistance : This fraudulent incident has caused significant distress and financial harm, as I am left without the funds that were rightfully mine. Furthermore, the lack of action on Bank of Americas part has only prolonged the situation and left me without a clear path to resolution. I am requesting the following : A thorough investigation into the fraudulent activity surrounding the altered check and the banks failure to promptly resolve the issue. Compensation for the funds lost as a result of this fraud, as well as any additional costs incurred due to the banks failure to handle the matter in a timely and appropriate manner. Assistance in holding Bank of America accountable for its failure to resolve my claim and for the inadequate handling of my case. 
Police report XXXX Check amount {$7600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-14 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is making false claims by using misrepresentation and deception that violates my consumer rights. I previously made attempts to fix said issues. I am now entitled {$1000.00} for every violation listed. I'm requesting that they pay me or delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
XXXX shared a false claim to XXXX XXXX, XXXX and Equifax Credit service companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX shared a false claim to XXXX XXXX, Experian and XXXX Credit service companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Starting in XXXX, I was unable to get logged into Experian. I know that my information was included in their data breach. I have been unsuccessful numerous times in reaching out to Experian to try and change my password. I clicked the forgot password link, and It sent me an email with a link to change the password. However, when I click the link, it directs me to first change my password, and then it immediately changes to a screen to input my social security number. After adding my social security number and clicking continue, nothing happens. I have tried this numerous times, and nothing. I have called, and their automated system makes it impossible to talk to anyone. I have called XXXX different numbers numerous times to no avail. ( XXXX ) XXXX and ( XXXX ) XXXX. I need assistance as I am trying to rebuild my credit, and I am lost as to what I should do.

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 2025-01-14 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: SC

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}

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