vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Information FCRA Compliance Request under 15 U.S.C . 1681i I am writing to formally dispute and demand the immediate deletion or correction of inaccurate, unverifiable, and unauthorized information currently reported on my credit file. This request is made under the Fair Credit Reporting Act ( FCRA ) and is supported by 15 U.S.C. 1681i and other relevant consumer protection laws. 

Inaccurate Personal Information to be Deleted : Incorrect Names Incorrect Employers XXXX XXXX XXXX XXXX XXXX ) Incorrect Addresses XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts to Be Investigated and Validated : These accounts are inaccurate, incomplete, or unverifiable and must be removed if not fully validated : 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 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  Dept. of Education / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to Be Removed : XXXX XX/XX/XXXX Legal Notice of Rights Under Federal Law Under the Fair Credit Reporting Act and FDCPA, you are legally obligated to : Conduct a reasonable investigation into the disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Provide proper documentation validating the account ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Delete or correct any unverifiable or inaccurate information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Failure to comply with these provisions will result in legal action for : Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n and 1692k ( a ) ( 2 ) ( A ) ) Actual and punitive damages for harm to credit, emotional distress, and lost opportunities Attorneys fees and costs associated with enforcement of my consumer rights Case Reference : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX billing statements alone do not constitute debt validation. 

Please complete this investigation within the legally allotted timeframe and provide me with a revised copy of my credit report. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MI

Complaint narrative:
I am filing a complaint regarding an UNAUTHORIZED and INFORMALLY verified INNACCURATE and inconsistent collection account reported by XXXX XXXX XXXX on my credit reports. The account information varies significantly across the three major credit bureaus, TransUnion, Experian, and XXXX, causing harm to my credit score and overall financial well-being.

The collection account in question is with XXXX XXXX XXXX. The UNAUTHORIZED inconsistent information includes, but is not limited to : **Date of Last Activity : ** TransUnion reports the Date of Last Activity as " XX/XX/XXXX, '' whereas Experian reports " XX/XX/XXXX. '' XXXX does not display this information. This significant difference indicates a likely error in how the activity on this account is being tracked and reported. 

***Date Opened : ** TransUnion lists the Date Opened as " XX/XX/XXXX, '' while Experian reports " XX/XX/XXXX. '' XXXX does not display this information. This four-month difference in the reported opening date is a clear inconsistency. 

**Account Status : ** TransUnion incorrectly reports the Account Status as " Open, '' while Experian inaccurately states " Closed. '' XXXX does not display this information. This contradictory reporting of the account status is a fundamental error that needs immediate correction.

Furthermore, none of the credit bureaus ( TransUnion, Experian, and XXXX ) are reporting any payment history for this collection account. 

I have already disputed these inaccuracies with TransUnion and Experian on [ XX/XX/XXXX ] and am unsatisfied with their response/investigation.

This informally verified, inconsistent, and inaccurate reporting of the XXXX XXXX XXXX collection account is causing significant negative impact to my credit report and potentially hindering my ability to access credit.

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 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a product for {$1600.00} from The Good Feet Store in my area. I was granted a line of credit through Credit CareXXXXXXXX XXXX XXXX XXXX XXXX. I began making monthly {$100.00} payments towards the balance beginning in XX/XX/XXXX through XX/XX/XXXX, for a total of {$1100.00}. On XX/XX/XXXX, due to my doctor 's request and the failure of the product to resolve my issue, I returned it and was then granted a refund. The store XXXX told me that once Credit Card received the refund authorization that they would be responsible for returning any money I paid towards the purchase. 
Nonetheless, I continued to receive monthly statements after my refund was issued. I have spoken with customer service on XXXX different occasions, each time I was told that they received the refund authorization, and I am entitled to an {$1100.00}, and a request for a check to be issued. However, I continue to receive a statement each, and no refund! 
I sent Credit CareXXXXXXXX XXXX a certify letter on XX/XX/XXXX requesting my refund and closure of my account. Their response was that they had closed my account, and I would continue to receive statements as long as there is a balance on the account. To the contrary, there is no balance on the account and they have deliberately failed to return the money.

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 2025-04-12 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
Transunion LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Access to My Consumer Report Without Written ConsentReference : 15 U.S.C. 1681b Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute and inquire about an unauthorized access of my consumer report maintained by XXXX. After reviewing my credit report, I noticed one or more inquiries or instances of access for which I never gave written consent. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As defined under 15 U.S. Code 1681b, consumer reporting agencies such as XXXX may only furnish a consumer report under specific, permissible purposes, and in many cases, only with the consumers written authorization. I have not provided such consent to XXXX or to any third party that may have obtained my information through your bureau. 
Accordingly, I am requesting the following : 1. A list of the entity or entities that accessed my credit report without my authorization. 
2. The specific permissible purpose XXXX relied upon to furnish my information. 
3. A copy of any written authorization you claim I provided granting access to my consumer report. 
If no valid permissible purpose or written consent exists, I am demanding the immediate removal of any unauthorized inquiries and that you take corrective action as required under the Fair Credit Reporting Act. Continued violation of my rights under the FCRA may lead me to take legal action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please consider this letter a formal dispute and a request for investigation under 15 U.S.C. 1681i. I expect a written response within 30 days as required by federal law. 
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 non-monetary relief
Consumer complaint received 2025-04-12 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: CT

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 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Capital One Savor credit card that was compromised by fraud attempts, and a replacement card was issued. Before the new card even arrived in the mail or was activated, another fraudulent charge was attempted. I contacted Capital One and was told to reach out to the merchant, despite the fact that I had never used or stored the new card number anywhere and have never had any relationship with the merchant involved in the fraudulent attempts.

This clearly indicates that the card was compromised before it was ever in my possession. Capital One has not acknowledged any issue on their end, nor have they investigated how a brand-new, unused card was leaked. This strongly suggests a potential internal data breach or a vulnerability in their card issuance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I have attached my ftc report and my license to verify myself. Please block and remove the accounts listed on my ftc report. They do not belong to me and they are fraudulent. Please have them taken off my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I have attached my ftc report and my license to verify myself. Please block and remove the accounts listed on my ftc report. They do not belong to me and they are fraudulent. Please have them taken off my credit report as soon as possible.

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 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: GA

Complaint narrative:
I have been wonderiung why my balance due has literally went hundreds of dollars over the amount financed. They also stated that mt account was under review for my protection and I am having a hard time figuring out from what because the only thing I see that I need protection from is themThey will not give me any info and are very rude about the issue. I borrowed XXXX and i have made 3 payments. 

Account statement that cam in from XXXX stated : Outstanding Principal Balance : {$1200.00} Credit Limit : {$1200.00} Available Credit : {$0.00} Minimum Payment Due : {XXXX Due Date : XXXX XXXX XXXX Your Minimum Payment includes a {$48.00} contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment. 
Amount Past Due ( Due Immediately ) : {$0.00} New Balance : {$1500.00} Interest Charges : {$380.00} Previous Balance : {$1300.00} Advances : {$0.00} Interest Charges : {$280.00} Fees : {$0.00} So please explain this to me.. 

This is the next statemnt from XXXX DETAILED TRANSACTION SUMMARY Date Description Amount XXXX  Payment ( {$140.00} ) Outstanding Principal Balance : {$1100.00} Credit Limit : {$1200.00} Available Credit : {$48.00} Minimum Payment Due : {$290.00} Due Date : XXXX XXXX, XXXX Your Minimum Payment includes a {$46.00} contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment. 
Amount Past Due ( Due Immediately ) : {$0.00} New Balance : {$1600.00} Interest Charges : {$630.00} Previous Balance : {$1500.00} Advances : {$0.00} Interest Charges : {$240.00} Fees : {$0.00} Payments and Credits : {$140.00} Amount Past Due : {$0.00} this is the last statement from XXXX DETAILED TRANSACTION SUMMARY Date Description Amount XXXX Payment ( {$140.00} ) Outstanding Principal Balance : {$1100.00} Credit Limit : {$1200.00} Available Credit : {$48.00} Minimum Payment Due : {$290.00} Due Date : XXXXXXXX XXXX XXXX Your Minimum Payment includes a {$46.00} contribution to your Outstanding Principal Balance. Any Amount Past Due is not included in your Minimum Payment. 
Amount Past Due ( Due Immediately ) : {$0.00} New Balance : {$1600.00} Interest Charges : {$630.00} Previous Balance : {$1500.00} Advances : {$0.00} Interest Charges : {$240.00} Fees : {$0.00} Payments and Credits : {$140.00} Amount Past Due : {$0.00} This clearly shows the wrong doing and perdatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : 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 2025-04-12 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Urgent Dispute Ally Financial Reporting False Late Payments and Inaccurate Information To Whom It May Concern : I am writing to formally dispute inaccurate data reported by XXXX  XXXX  on my credit profile. These inaccuracies include falsely reported late payments and other misrepresented information. I have maintained on-time payments on this account at all times, and any report to the contrary is factually incorrect and legally impermissible under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

XXXX  XXXX, as a data furnisher, has an obligation under 15 U.S. Code 1681s-2 to provide factual and verifiable information. As credit reporting agencies, you are required to remove or correct all erroneous and unverifiable data once a dispute is submitted. Your continued reporting of this false data demonstrates failure to comply with federal obligations.

Therefore, I demand the immediate deletion of : - All falsely reported late payments associated with XXXX  XXXX  - Any inaccurate, obsolete, or unverifiable details tied to this account across all three major bureaus Should this not be resolved within XXXX calendar days from the date of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiate legal proceedings seeking damages for willful noncompliance. 

This communication will be retained as part of my legal records. 
GOVERN YOURSELVES ACCORDINGLY. 

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 non-monetary relief
Consumer complaint received 2025-04-12 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I had an apartment had my information on the lease of the building and my they lied about the damages in the apartment, they took my payment and sold my information with out my knowledge. National credit system XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This letter serves as formal notification that XXXX is reporting false, unverified, and unauthorized data against a private trust estate. I am not the debtor. No verified obligation exists. You are instructed to remove the item or produce the contract, ledger, and lawful authority within XXXX business days. Failure to comply constitutes willful noncompliance under FCRA 623 and opens all parties to liability under Title 15 and Title 42.

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 2025-04-12 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: CT

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