vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the inquiries that need to be removed from my file : 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 XXXXXX/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 2025-03-06 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: PA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: FL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have to literally guess what my payment is because this company hasnt sent a paper statement since XX/XX/2024 and when they did it was 4 business days before the payment was due. Plus when payments are sent to them they take over 3 business days to apply payments to the account and then assess a {$40.00} fee on top as a thank you. Payments mailed in XXXX one in particular was received XXXX XXXX XXXX and its sent by online banking which guarantees the delivery of the check by that date. My current account treats it as an actual check which makes tracking payments easier whereas previously I send payments and its basically cash already taken out and that allows the receiver to lie and make up they never received the payment or lie about when they applied the payments. I just want this debt settled but Prosper wants to sink my credit. They say to email them and I do, they reply with a non assistance message filled with jargon that blames me. They tell me to call and I do and their automated message never transfers me to a person. I ask for someone to call me directly and I am met with no replies. So, I dont know how this company expects me to pay my debt when 1. They dont apply any of the payments sent. 2. They dont apply payments sent in a timely manner. 3. No one can be contacted to resolve the issue at hand. This is like my 9th complaint and this company just doesnt care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm not sure how much. I'm not given what kind of purchases but I closed out my account last year. 
I shouldn't have to pay this amount I'd I haven't made any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: DC

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 2025-03-06 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Regarding Improper Charge-Off Reporting Dear CFPB Representative : I am writing to lodge a formal complaint against [ XXXX  and/or XXXX  ] for reporting a Charge-Off XXXX my credit report that appears to be inaccurate, incomplete, or improperly verified. Despite my previous attempts to dispute this entry through the established channels under the Fair Credit Reporting Act ( FCRA ), I have not received a satisfactory resolution. The details of the disputed Charge-Off are as follows : Creditor Name : [ XXXX ] Account Number ( XXXX ) Date of Charge-Off : [ XX/XX/year> ] I believe the reporting of this Charge-Off XXXX violate my rights under the FCRA ( XXXX U.S.C. XXXX ) for the following reasons : XXXX. Inadequate XXXX : The credit bureau and/or creditor has failed to provide sufficient documentation ( e.g., original signed agreements, account statements ) to establish the legitimacy and accuracy of this debt. 
XXXX. Possible Errors in Account XXXX : The balance, dates, or other information related to this XXXX XXXX be incorrect. 
XXXX. Insufficient Notification : I was not adequately informed before this XXXX was reported, and I have not received a comprehensive explanation of how this account was charged off. 

I have already sent a formal dispute letter to [ Credit Bureau and/or XXXX XXXX ] requesting an investigation and verification of this entry. However, they have not provided adequate evidence of the debts validity or removed the XXXX from my report. This lack of action suggests potential non-compliance with the FCRAs requirement to report only accurate and verifiable information. 

Therefore, I request the CFPBs assistance in ensuring that the credit bureau and/or creditor : 1. Thoroughly investigates the legitimacy and accuracy of this XXXX. 
2. Removes or corrects any information that can not be fully substantiated.

3. Provides a written explanation of the actions taken in response to this complaint. 

Enclosed, please find copies of : My prior dispute letter ( XXXX ) sent to [ Credit Bureau and/or XXXX XXXX ]. 
My credit report highlighting the disputed XXXX. 
Any response or documentation ( if provided ) from the credit bureau or creditor. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that any incorrect information is removed from my credit report. Should you need any further information or documentation, please feel free to contact me at the address or phone number listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Regarding Improper Charge-Off Reporting Dear CFPB Representative : I am writing to lodge a formal complaint against [ XXXX  and/or XXXX  ] for reporting a Charge-Off XXXX my credit report that appears to be inaccurate, incomplete, or improperly verified. Despite my previous attempts to dispute this entry through the established channels under the Fair Credit Reporting Act ( FCRA ), I have not received a satisfactory resolution. The details of the disputed Charge-Off are as follows : Creditor Name : [ XXXX ] Account Number ( XXXX ) Date of Charge-Off : [ XX/XX/year> ] I believe the reporting of this Charge-Off XXXX violate my rights under the FCRA ( XXXX U.S.C. XXXX ) for the following reasons : XXXX. Inadequate XXXX : The credit bureau and/or creditor has failed to provide sufficient documentation ( e.g., original signed agreements, account statements ) to establish the legitimacy and accuracy of this debt. 
XXXX. Possible Errors in Account XXXX : The balance, dates, or other information related to this XXXX XXXX be incorrect. 
XXXX. Insufficient Notification : I was not adequately informed before this XXXX was reported, and I have not received a comprehensive explanation of how this account was charged off. 

I have already sent a formal dispute letter to [ Credit Bureau and/or XXXX XXXX ] requesting an investigation and verification of this entry. However, they have not provided adequate evidence of the debts validity or removed the XXXX from my report. This lack of action suggests potential non-compliance with the FCRAs requirement to report only accurate and verifiable information. 

Therefore, I request the CFPBs assistance in ensuring that the credit bureau and/or creditor : 1. Thoroughly investigates the legitimacy and accuracy of this XXXX. 
2. Removes or corrects any information that can not be fully substantiated.

3. Provides a written explanation of the actions taken in response to this complaint. 

Enclosed, please find copies of : My prior dispute letter ( XXXX ) sent to [ Credit Bureau and/or XXXX XXXX ]. 
My credit report highlighting the disputed XXXX. 
Any response or documentation ( if provided ) from the credit bureau or creditor. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that any incorrect information is removed from my credit report. Should you need any further information or documentation, please feel free to contact me at the address or phone number listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship.

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This has been an ongoing struggle, problem with XXXX credit reporting agency as to correctly reporting accurate information on my credit report, directly related to an account with Synchrony bank/Walmart acc XXXX XXXX opened in XX/XX/XXXX. After paying off this account, with a XXXX balance update as of XX/XX/XXXX, I then closed this account but somehow, it was sold to XXXX XXXX. Eventually, this account somehow is being mixed up with another persons account information as to balance of {$7600.00}. As seen and noted in my credit report, this original creditor, Synchrony bank/Walmart was closed with a XXXX balance then was taken over by XXXX XXXX with a balance. This information being reported by XXXX XXXX/ Walmart with same account # XXXX but with a balance of {$7600.00} and seen as written off/ charged off is to be removed immediately. The only Walmart account that should be reported on my XXXX credit report is Synchrony / Walmart with acc # XXXX with a XXXX balance and was closed should be the only account shown and reported. Ive disputed this several times without relief. This is hurting my fico score and this XXXX XXXXWalmert report must be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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