vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I rented a vehicle from XXXX XXXX at the XXXX municipal XXXX XXXX When I returned the car I paid my rental fees in full. And then noticed that they charged me an extra {$400.00} saying that there was the smell of fish in the car. I advised the XXXX representative that I did not go fishing and I contest that extra charge saying that there was no notification in my contract that they could charge me for anything other than the smell of cigarettes XXXX or cigars because the only notice that they give is a no smoking sticker on the window of the vehicle. After I contested this with XXXX and filed a dispute with my bank they still charged my bank card from TD Bank and refuse to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom it may concern This letter is a complaint for a charge that I received from Macys on my Macys charge account that did not belong to me. There were items that I did not order and the items were never delivered to my address. The cost totaled {$82.00}. I attempted to dispute the charge with Macys security department and the outcome was not resolved appropriately. I would like a full investigation regarding where these items were delivered to. The carrier that delivered these items should have a record. I did not order these items and these items were not delivered to my address. The items went elsewhere or possibly an error, either way this must be investigated. Macys requested that I pay for the charge or face being placed in the credit bureaus negatively and I still paid for the items, even though I never ordered them and never received them. I would like a proper and thorough investigation and I would like what I paid to be fully refunded to me. I have been a Macys customer for many years with an excellent record of payment history and I hope that this matter can be resolved accurately. 

Best Regards, 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 2025-02-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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 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.

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 2025-02-25 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: FL

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I am a victim of identity theft, this XXXX XXXX XXXX account was removed from my credit reports 4 months ago now its back on. I have proper documentation showing this isnt my account!!!!! This account needs to be removed permanently!!! This is becoming a big problem with them!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have already attempted to resolve this directly with Experian by [ briefly explain any steps youve already taken to resolve the dispute, such as contacting Experian or the creditor, and the outcome ]. Unfortunately, these attempts have not led to a satisfactory resolution. 

As per the Fair Credit Reporting Act ( FCRA ), I believe the information reported by Experian is inaccurate, and I am entitled to have this information corrected or removed from my credit report. I request that the CFPB investigate this issue and ensure that Experian complies with the law. 


Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of my dispute.

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 2025-02-25 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: SC

Complaint narrative:
I have already attempted to resolve this directly with Experian by [ briefly explain any steps youve already taken to resolve the dispute, such as contacting Experian or the creditor, and the outcome ]. Unfortunately, these attempts have not led to a satisfactory resolution. 

As per the Fair Credit Reporting Act ( FCRA ), I believe the information reported by Experian is inaccurate, and I am entitled to have this information corrected or removed from my credit report. I request that the CFPB investigate this issue and ensure that Experian complies with the law. 


Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

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 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 2025-02-25 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-02-25 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-02-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX CFPB ) ** ** Subject : Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Equifax XXXX a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). These violations contravene the provisions set forth in the Act and significantly impact my financial standing and overall well-being.

# # # Details of the Complaint : 1. **Inaccurate Reporting** : Under Section 623 of the FCRA, furnishers are required to report accurate information to consumer reporting agencies. Equifax has failed to comply with this requirement by reporting inaccurate information regarding my credit accounts, which has adversely affected my credit score.

2. **Failure to Investigate Disputes** : Upon disputing the inaccuracies in my credit report, I provided Equifax with all relevant evidence supporting my claim. However, Equifax did not adequately investigate my dispute or correct the inaccuracies within the timeframe mandated by the FCRA.

3. **Non-Compliance with 15 USC 1681** : Equifax 's actions constitute a clear violation of 15 USC 1681, as they have not adhered to the standards for collecting, using, and disseminating consumer credit information. This includes neglecting to ensure the accuracy of consumer reports as required by Section 607 ( b ) of the FCRA.

4. **Civil Liability** : As a result of these violations, I am seeking civil damages as outlined in the FCRA. The inclusion of false or misleading information in my credit report has caused me significant financial harm, including denial of credit applications and increased interest rates. 

# # # Supporting Documentation : Attached is the letter of communication I received from XXXX XXXX XXXX dated XX/XX/XXXX. In the letter, XXXX XXXX confirms the existence of an account opened in my name in XX/XX/XXXX. While they state that the account was reported accurately to XXXX, the letter also indicates that Equifax, along with XXXX and XXXX, is not reporting this account, which raises questions regarding XXXX compliance with the FCRA and its responsibility to report accurate information. 

# # # Requested Action : I respectfully request that the CFPB investigate these violations and take appropriate action against Equifax to ensure compliance with the FCRA. Additionally, I would like to be informed of the outcome of your investigation and any actions taken. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) regarding their failure to properly credit one of my payments despite multiple attempts to resolve the issue. The payments was sent to XXXX XXXXXXXX XXXX attorneys ( see below ) Between XX/XX/2024 and XX/XX/2024, I made a total of ten payments to XXXX XXXXXXXX XXXX ( see attachment XXXX  ) .However, they have only credited my account for nine of these payments ( see attachment XXXX XXXX .I have verified that all ten payments were processed, and I have receipts confirming that XXXX XXXXXXXX successfully cashed them. I have contacted XXXX XXXX by phone at least twice to request proper credit for the missing payment. Additionally, I have submitted written requests at least twice, along with proof of payment. Despite my efforts, XXXX XXXX has ignored my requests and has failed to correct this error. I am now seeking the intervention of your office to help resolve this matter. Enclosed are copies of my payment receipts to XXXX XXXX. Enclosed is the statement where XXXX XXXX credit me with nine payments. I respectfully request that your office investigate this issue and ensure that XXXX XXXX properly credits my account for the full amount paid. Thank you for your time and assistance. I appreciate any action your office can take to address this issue. Please feel free to contact me if additional information is required. Attorneys for the XXXX XXXX XXXX XXXX  XXXX ), XXXX. is below. Selip & Stylianou , LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Attachment XXXX XXXX XXXX copies of 10 receipts to XXXX XXXXXXXX Attachment XXXX Capital Payment History of 9 payments Customer Number XXXX XXXX XXXX Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$27000.00}

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
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have gone through a third party that I no longer have the information for due to a natural disaster destroying my paperwork and information for contact and for mental reasons can't remember who to contact but it is multiple school loans that I request to be in the forgiveness program due to I have re-applied for XXXX and I'm no longer to work at this time due to repeated XXXX and XXXX  static and the income that is in the home doesn't belong to me

Company response to consumer: Closed with explanation