vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
Experian states that account is incorrect but refuses to remove it. Please see attachment below

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
In early XXXX of 2024 my phone had been stolen from the gas pumps in XXXX Florida at the XXXX gas station my phone was then used to transfer money from chime through cash app in XXXX and {$30.00} increments upwards to about {$600.00} worth I called the cops the cops actually watch the video from the store and caught the girl who stole my phone I turned all this over to chime and they denied my request for unauthorized transactions so I resubmitted my claims at this point the claims are around XXXX plus dollars they kick those out too right before the provisional credit would hit and then again I called and had them resubmit them because they are fraudulent charges and why chime allow them to continuously transfer money out of my account in XXXX and {$30.00} increments is beyond me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/year> MOHELA renamed and misreported my student loans as " deferred '' payments to XXXX which is inaccurate to my status. It affected my credit score ( down XXXX points ) from their reporting activity which is potentially has affect on my personal lively needs and financial mobility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain accuracy in my credit report and improperly verifying disputed information ( please see attached ), in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

I recently disputed inaccurate charge-off accounts on my credit report. The following inaccurate accounts were not properly investigate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of conducting a proper investigation, Experian verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 

Experians actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act.

15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts. 

I am requesting that these inaccurate accounts be removed from my credit report for such violations.

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 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
EQUIFAX REMOVE need to remove this inquired as a Request because its a fraudulent inquired on my name. 
FACTUAL - XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX TRANSUNION REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX REMOVE need to remove this inquired as a Request because its a fraudulent inquired on my name. 
FACTUAL - XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX TRANSUNION REMOVE Need to remove this inquired as a Request because its a fraudulent inquired on my name. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize any car loan inquiries. This is due to fraud XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-01 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX Balance Owed {$7300.00} XXXX XXXX XXXXXXXX Balance Owed {$2900.00} XXXX XXXX XXXX Balance Owed {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Self Financial Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: OneMain Finance Corporation
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ONEMAIN XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2900.00} XXXX XXXX  XXXX Balance Owed {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am writing to formally notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Despite my previous efforts to resolve inaccuracies on my credit report, you have failed to fulfill your legal obligations, causing harm to my creditworthiness and financial well-being. 

Violations and Noncompliance : -Failure to Investigate & Correct Inaccurate Information -Failure to Provide Proper Notice or Justification -Negligence Resulting in Financial and Reputational Harm : Due to your failure to comply, I have suffered damages, including denials of credit, higher interest rates, stress, and difficulties inquiring home rental

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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: MA

Complaint narrative:
What Happened? 
I am filing this complaint against Sunbit ( XXXXXXXX XXXX ) because they have reported an account on my credit file that I did not authorize, open, or use. I have been a victim of identity theft, and this account is fraudulent. 

Key Issues : 1. Unauthorized Account / Identity Theft I never applied for or opened an account with Sunbit ( XXXX Bank ). 
This account appeared on my credit report without my knowledge or consent. 
I have no agreement, contract, or transaction history with this company. 
2. FCRA XXXX Violation No Permissible Purpose Sunbit has placed a hard inquiry and reported an account on my credit file without my permission. 
Under FCRA XXXX, companies must have a permissible purpose to access or report on my credit file. 
Since I never authorized this account, it must be removed immediately. 
3. Failure to Provide Documentation / Debt Validation I have disputed this account with the credit bureaus, but Sunbit has not provided any proof of authorization, signed agreement, or validation documents. 
Under FDCPA XXXX, a debt must be validated upon request, and Sunbit has failed to comply. 
If they can not prove that I opened this account, the account must be removed from my credit file. 
4. Negative Impact on My Credit This fraudulent account is damaging my credit score, and I am suffering financial harm. 
The charge-off status and hard inquiry should be immediately deleted since this was an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DE

Complaint narrative:
I had a dispute with Citi bank on my Shop Your Way Card back in XXXX. The company is saying that the dispute was resolved, and the amount was removed. I have called multiple times about this dispute still being in my card balance. The company has not resolved the issue and the wrong amount is being reported on my credit report. The last time I called and tried to resolve the issue was XX/XX/XXXX. The company then tried to say that I brought something and that's why my balance is so high, but my statements do not reflect what they are saying. Also, when I try to pay my card there is a statement that says, " Payment amount can not exceed the current balance. '' my current balance is currently XXXX. The company is not trying to resolve this issue. If this was a purchase that I made why will the system not let me pay it and why is the purchase not reflected on my statements.

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 2025-02-01 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: MD

Complaint narrative:
t, Experian failed to properly investigate disputes

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 2025-02-01 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: MI

Complaint narrative:
credit burea companies ( Equifax, Experian, Transunion ) are reporting fraudulent inacurrate information on my credit report. My information was compromised in a data breach. i have the right to reasonable investigations under the fair credit reporting act 15 U.S.C 1681i. Equifax and Experian 's sctions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

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 2025-02-01 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: MI

Complaint narrative:
credit burea companies ( Equifax, Experian, Transunion ) are reporting fraudulent inacurrate information on my credit report. My information was compromised in a data breach. i have the right to reasonable investigations under the fair credit reporting act 15 U.S.C 1681i. Equifax and Experian 's sctions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Late XXXX, I lost my job and want to emphasize that before this hardship, I had never once been late on my mortgage payments since the inception of my loan in XX/XX/XXXX. In fact, when I foresaw potential difficulties, I proactively reached out to Freedom Mortgage seeking assistance through a hardship forbearancebefore my account ever became delinquent. However, I was informed that I could not be placed on any hardship program until after my account was already delinquent. This policy left me in an impossible position, as I was trying to stay ahead of my financial obligations but was denied assistance until I had already fallen behind. Despite the fact that I had impeccable 100 % credit payment history and amazing credit I was still denied help as the lender refused to work with me. 

After sending request letters for good will adjustments and having them ignored, today I spoke with a woman named XXXX and she advised per the law that they could not make good will adjustments but per the consumer protection laws and the advice of the Consumer Financial Protection Bureau those predatory actions are illegal and punishable as lenders are required to work with borrowers facing hardship before pushing them into delinquency. 

I'd also like to include that countless times I have paid more than what was due on my mortgage payments.

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