vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Experian credit bureau and XXXX XXXX credit bureau is reporting inaccurate credit information pertaining to XXXX accounts XXXX XXXX in the amount of XXXX this is not my account. XXXX, XXXX XXXX XXXX this is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been contacted via email, mail and by phone by the following debt collectors regarding accounts that I have been a victim of identity theft and fraud and has impacted my credit report negatively. 

XXXX XXXX XXXX opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$250.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1800.00} The following debt collectors and accounts were opened fraudulently by ex partner whom information I know who obtained my information and was not authorized to open the accounts. And therefore are part of my identity theft report Comenity bank/ XXXX XXXX opened XX/XX/XXXX Balance {$620.00} Justice opened XX/XX/XXXX Balance {$910.00} XXXX XXXX XXXX opened XX/XX/XXXX Balance {$880.00} I would like these collectors to investigate into these accounts and give me all information pertaining to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint regarding inaccuracies in my credit report that have not been resolved despite my attempts to address them with the appropriate credit reporting agencies. I feel like a lot of these misunderstandings come from my father also having my exact same first, middle and last name. We do not have a XXXX or XXXX to differentiate us, other than our socials and birthdates. 

Incorrect Name and Address : My credit report contains incorrect names and addresses that do not belong to me. 
I have provided my accurate personal information to the credit bureaus, but the errors persist. 

Unauthorized Collections Accounts : My credit report includes collections accounts that I am not aware of and have no knowledge about. 
These accounts appear to be either fraudulent or mistakenly attributed to my credit profile. 

Steps Ive Taken : I have previously reached out to the credit reporting agencies to dispute these inaccuracies and provided documentation to verify my identity and correct information. 
Despite these efforts, the incorrect entries remain on my credit report, negatively affecting my credit score and financial reputation. 

Impact : These inaccuracies are causing significant challenges, including potential issues with credit approvals and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint regarding inaccuracies in my credit report that have not been resolved despite my attempts to address them with the appropriate credit reporting agencies. I feel like a lot of these misunderstandings come from my father also having my exact same first, middle and last name. We do not have a XXXX or XXXX to differentiate us, other than our socials and birthdates. 

Incorrect Name and Address : My credit report contains incorrect names and addresses that do not belong to me. 
I have provided my accurate personal information to the credit bureaus, but the errors persist. 

Unauthorized Collections Accounts : My credit report includes collections accounts that I am not aware of and have no knowledge about. 
These accounts appear to be either fraudulent or mistakenly attributed to my credit profile. 

Steps Ive Taken : I have previously reached out to the credit reporting agencies to dispute these inaccuracies and provided documentation to verify my identity and correct information. 
Despite these efforts, the incorrect entries remain on my credit report, negatively affecting my credit score and financial reputation. 

Impact : These inaccuracies are causing significant challenges, including potential issues with credit approvals and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
I noticed on my cards they started all getting decreased. This has happened to other people. I paid my cards on time and actually paid them off multiple times. Ive used my credit in good faith. Why am I being punished with constant decreases from the credit card companies making it look like I hit my limit when in fact, I did not have plenty of funds on the card. If I wouldve known this, I wouldve never used as much credit as I did Now my credit score has been affected because the credit company is providing information to the credit card companies without my permission. I only gave them permission to initially run my credit to get the cards not to run it whenever they feel like it and provide information to thosecard companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, has violated my rights. 

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, states a consumer reporting furnish an 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 and crimes which antedates the report by 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
My credit report is stating that my Self account has been closed when I can still access my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Equifax has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Money was took from my cashapp without permission they closed my account and I cant get into my cashapp anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
This is my final notice to formally dispute the charge-off listed on my account. Despite previous attempts to resolve this matter directly, you have failed to address the issues in compliance with federal law. As a result, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate this matter further if necessary. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), reporting inaccurate, unverifiable, or incomplete information is illegal. Additionally, I have evidence that this account may have been illegally re-aged, which constitutes a direct violation of FCRA 605 ( c ). Re-aging accounts to extend the reporting period or mislead consumers is not only unlawful but also unethical. 

Violation 1. Re-Aging the Account : Changing the date of first delinquency to extend the reporting period is prohibited under federal law. This tactic misrepresents the account status and harms consumers like myself. 
2. Failure to Verify : Per FCRA 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and verify disputed information within 30 days. To date, I have received no valid documentation proving the accuracy of this charge-off. No 1099c form given. 
3. Inaccurate Reporting : The reported information contains errors, including [ list specific inaccuracies, e.g., incorrect amounts, dates, or account statuses ]. 
4. Failure to Notify : Under FCRA 623 ( a ) ( 7 ), you were required to notify me of adverse actions, including reporting this account as charged-off. Failing to do so is yet another violation. 

Notice of Further Action : Please note that I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your mishandling of this matter. If you continue to report inaccurate, unverifiable, or re-aged information, I will also file complaints with the Federal Trade Commission ( FTC ) and my states attorney general. Furthermore, I reserve the right to pursue legal action to hold you accountable for violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 

This is your final opportunity to resolve this matter without legal escalation. You have 15 days from receipt of this letter to comply with my demands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX , SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has someone elses information mixed with mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year>XXXX  {$2400.00} Try to dispute issue with Experian was told that information was verified. Reached out to the debt collector company with a certified letter to retrieve information never received information within the 30 days notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: DISCOVER BANK
State: MD

Complaint narrative:
Inaccuracies, misuse of information, and pulling of credit without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
on the dates XX/XX/year> there was two atm withdrawals for {$500.00} each i had my card in possession in this time ive never lost it or given it away and i still had it when i made the complaint they said they were going to investigate and then said that denied it because they believe it was someone close to me who has my 4 digit code made the transaction or someone who had my 4 digit code did it but i had my card the whole time and now i lost out on those funds the account number is XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX pa, and my ssn is XXXX and the bank i bank with is wells fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

Decision was sent, but I cant find in my email because it was years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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