vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The automatic system for automatic payment was set up for the payment to be made on the XXXX of every month. All the other credit card companies will attempt to withdraw the payment from the checking account on the day that the customer stipulates, in my case it was the XXXX of every month. 

Citibank system attempted to withdraw the payment of {$17000.00} on the XXXX instead of the XXXX putting my checking account to overdraft, the funds were not available. This is outrageous. If I specify the date that I want make the payment thats the date it should happen. It should not happen a day before the payment date. I was charged a return check fee. Citibank should be ashamed of this fraudulent attempt to extort from customers in order to earn more interest on their money. Automatic payments are designed to make life less stress. to know exactly when the payment will be withdrawn not to cause stress. Shame on you Citibank.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-26 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 reaching out to dispute inaccurate information on my credit report and request an immediate investigation. As a consumer, I have the right to ensure that my financial records are fair, accurate, and verifiable under federal law. 
Upon reviewing my report, I noticed errors related to certain accounts and inquiries that should not be listed. These inaccuracies could be in violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding privacy rights, reporting timelines, and data accuracy.

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 2025-02-26 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I reported fraudulent transactions when I saw a balance on this XXXX XXXX XXXX through XXXX XXXX credit monitoring service I have. I called the customer service department listed on the back of the credit card and reported the charges as fraudulent. They issued a temporary provisional credit for all the charges initially totaling XXXX XXXX XXXX. After the investigation they sent me an unsigned form letter indicating the charges are valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. They then reversed the provisional credit and placed the amount due for each purchase back on my account. The dates range from XXXX and possibly before this date as the current statement has a balance forward amount of {$1400.00} and I haven't been able to find the listing of that charge yet in the interest of getting this out to you right away. The account information was still being used until I went online to the XXXX XXXX website and locked the reissued card today ( XX/XX/year> ). The statement balance is {$11000.00} with a computer voice balance of {$11000.00} when you call for the balance. I locked the card today when I got on the website. I have reported this to the local police dept today ( XXXX XXXX, XXXX  ). In addition to this filing with the CFPB I will be filing a report with the MA attorney general 's office. Please help me with this fraud.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-02-26 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
XXXX XXXX XXXX acct # XXXX This account was reported as a Collection charge-off and is affecting my credit score negatively.The reporting of this account is incorrect and was sold to a third party. Which violated my rights.1681 ( n ) and 605C. I urge your agency to reinvestigate and provide all the missing information.Also please explain why this account is sold to a third party and still reporting on your credit report. Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure that your agency is reporting full and only complete accurate information. according to 15 U.S.C. 1692C. You have violated my rights in lawful on lawful communications.please remove this collection off my credit report.Also 12CFR1006.34C law has been violated to.I dispute the XXXX of my profile and the method of payments to be provided.Also 15USC CODE 1681S-2 was violated. Thanks.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX acct # XXXX This account was reported as a Collection charge-off and is affecting my credit score negatively.The reporting of this account is incorrect and was sold to a third party. Which violated my rights.1681 ( n ) and 605C. I urge your agency to reinvestigate and provide all the missing information.Also please explain why this account is sold to a third party and still reporting on your credit report. Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure that your agency is reporting full and only complete accurate information. according to 15 U.S.C. 1692C. You have violated my rights in lawful on lawful communications.please remove this collection off my credit report.Also 12CFR1006.34C law has been violated to.I dispute the XXXX of my profile and the method of payments to be provided.Also 15USC CODE 1681S-2 was violated. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have had unauthorized accounts from American Express on my credit report for several years. Despite multiple disputes, these accounts remain on my report. 

In XX/XX/year>, I contacted American Express to reach a settlement regarding these fraudulent accounts. As part of the agreement, American Express informed me that the accounts would be removed from my credit report, and I would receive documentation releasing me from liability for the alleged debt. However, I have not received any such documentation, nor have the accounts been removed as agreed. 

Since then, I have made multiple attempts to follow up via the email address provided in the agreement, but my emails continue to bounce back, indicating that the address is no longer valid. Additionally, I have not received any communication from American Express regarding this matter. 

This unresolved issue has caused significant hardship, particularly as I am in the process of purchasing a home. The failure of American Express to honor the agreement and their continued reporting of these unauthorized accounts have negatively impacted my creditworthiness and caused undue emotional distress. I feel that my consumer rights are being violated, and I am being unfairly treated. 

I have attached the agreement provided by American Express for reference. I request that the CFPB investigate this matter and ensure that American Express removes these accounts from my credit report as promised. Additionally, I request official confirmation releasing me from any liability associated with these accounts. 

I appreciate your prompt attention to this issue and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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: CA

Complaint narrative:
Dear EXPERIAN THIS REQUEST WAS NOT MADE IN ERROR. 
In accordance with fair credit reporting act everything has to be 100 % accurate on credit report. EXPERIAN stated my account was properly investigated, but how is that possible if the payment dates is inaccurate, last active is inaccurate and date last reported is not accurate and late payment dates are inaccurate. This is grounds for removal also violates my rights under 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, also the credit agency took more than 30 days to complete investigation.

15 USC 1681-2 This account should not be furnished on my consumer as it is in VIOLATION!!!!!!

15 USC 1681b permissible purposes of consumer reports ( A ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following and circumstances and no other, ( 2 ) In accordance with written instruction of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer.

Per 15 USC 1681 c-2 Block and remove Per 15 USC 1681 ( 2 ) this is fraud

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 2025-02-26 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 2025-02-26 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: 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
After noticing unauthorized charges in my XXXX  XXXX bank account I researched on my own and contacted Goldman Sachs bank. 
I was told an account had been opened in my name. I closed the account in question. I could not verify information that was on the account, and the bank account had been changed to a different bank by the time I contacted them. The address on the account was in Hawaii. XXXX XXXX lost my luggage in Hawaii previously and my computer was in it. After checking my credit report several accounts had been opened in my name with my information and then changed to secondary accounts overtime. My mail had been forwarded to Hawaii from Georgia for several months as well. I often travel for work ( 200 days out of the year if not more ) and did not notice this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion  XXXX BANK XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX TransUnion EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax EXPERIAN XXXXXXXX XXXX XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion

Company response to consumer: Closed with explanation