vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-03-26 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : XXXXXXXX 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 XXXXXXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and 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 2025-03-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
on XX/XX/year> I opened a XXXX XXXX Account through Comenity Bank. I received a bill double billing me and when I complained they said it would take until the next billing cycle to fix. I made a payment over the phone and it was not processed although they told me it was, when I got the next statement I was still being charged but since the payment was never processed they charged me interest at 32 %, I called and told them I wanted to have that interest taken off and I would go into the store and pay the original balance. They agreed, and I did make the payment and account was closed. I am still receiving harassing phone calls and emails thatm I now owe {$200.00} in late charges which go up monthly on a close account. I want this to stop. I called, wrote to the company but to no avail to resolve this issue. Please help me stop this on going problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I require that these FRAUDULENT accounts be deleted from my consumer file immediately. Failure to comply will result in legal action to protect my rights. These violations constitute Aggravated Identity Theft under 18 USC 1028 A ( a ) ( i ) a felony offense. I am seeking the following compensations : XXXX. Permissible purpose- {$1000.00} 2. Defamation of character - {$1000.00} 3. Damaged reputation - {$1000.00} 4. Damaged credit worthiness - {$1000.00} 5. Damaged made of living - {$1000.00} 6. Infringed rights to privacy - {$1000.00} Cease the reporting of this incorrect information 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 2025-03-26 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: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Upon reviewing my transaction history on XX/XX/year>, I noticed my balance was lower than expected. I found two discrepancies with my balance. XXXX being a debit card purchase at XXXX XXXX which posted on XX/XX/year> ; the debit was for {$89.00} but my balance decreased by {$290.00}. The other was a mobile purchase at XXXX which posted on XX/XX/year> for {$75.00}, which somehow decreased my total balance by {$120.00} according to my transaction history. I contacted Citibank support through the apps chat function and spoke with a XXXX on XX/XX/year>. I explained all of this to him but he said my total balances were completely different. He could not explain why my ledger would be showing something different for me than for him. I asked for a copy of his version of my transaction history be emailed to me, but have yet to receive it. He insisted there were no errors made but could not verify that.

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 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This totke loan was paid in full on XX/XX/year>. 
I sold the vehicle of this loan on XX/XX/year>. 
Wilshire Company refuses to release title till after XXXX days and only provided a paid in full letter. 
The new owner is not able to register the vehicle untill the lienholder relase of title. 
I am still liable for this vehcle that is not in my possession anymore. 
I am concerned of my liability for this vehicle while the new ownera are not wven able to get insurance or registration of the vehicle.

DMV states than the lienholder company is registeres online with DMV and can easily release title online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX federal highway XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Identity Theft Affidavit and XXXX for XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my credit report 2. A Copy of my identification I request that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question is as follows : 1-XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-03-27 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: TN

Complaint narrative:
A card was opened with Apple Card by Goldman Sachs. I informed them of the fraud and they stated statements was being mailed but I didn't open the account nor receive any statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Applied for a credit card and was approved was trying to create my account and was having trouble saying my information didnt match their records. I called and found out that my birthday was incorrect So they approved me for a credit card with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report.This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
This is a formal follow-up complaint XXXX dated XXXX against Experian for failure to respond within 30 days to my original dispute submitted via the CFPB on XX/XX/year>. Aside from an interim response dated XX/XX/year>, Experian has failed to issue a final determination or resolution, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation and provide results within 30 days of receiving a dispute. Experian has failed to do so.

Legal Violations : Failure to Complete Investigation Within 30 Days 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A reinvestigation must be completed within 30 days of receiving a dispute.

Experian has exceeded this period with no resolution or final communication.

Failure to Remove Reinserted Inaccurate Information ( FCRA 1681i ( a ) ( 5 ) ( B ) ) This is the third dispute regarding information previously deleted and then reinserted without notification. 

Under FCRA, reinserted information must be certified by the furnisher and the consumer must be notified within XXXX business daysthis was not done. 

Failure to Provide Notice of XXXX XXXX ( FCRA 1681i ( a ) ( 6 ) & 1681i ( a ) ( 7 ) ) Experian has not shared any verification method, communication record, or resultsdenying my right to understand the reinvestigation process.

Continued Harm from Known Inaccuracies ( FCRA 1681e ( b ) ) By continuing to report inaccurate, incomplete, and previously disputed information without proper reinvestigation, Experian is violating its obligation to ensure maximum possible accuracy of consumer data.

How This Has Harmed Me : Lowered credit scores and loss of financial opportunity Risk of housing or employment denial due to false or outdated data Emotional distress and significant time spent filing disputes that are ignored Frustration and loss of trust in the credit reporting process

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
WE WERE TOLD TO WAIT FOR A LETTER. THE LETTER ARRIVED, WE CALLED AS INSTRUCTED AND GAVE THEM THE REFERENCE NUMBER ON THE LETTER. IT WAS OF NO HELP.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am following up on a complaint I previously submitted regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. Despite my initial filing, the issues remain unresolved, and I would like to provide additional context and reiterate the harm caused by XXXX noncompliance. 

TransUnion reinserted XXXX previously deleted Bank XXXX XXXX XXXX ( Account Numbers : XXXX and XXXX ) into my credit report without providing the mandatory notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). As outlined by the FCRA, when a deleted item is reinserted, the consumer must be notified in writing within five business days. I have not received any such notice, which constitutes a direct and ongoing violation of this legal obligation. 

In addition, these disputed accounts do not appear on my credit reports with XXXX or XXXX, raising significant concerns about the accuracy and consistency of TransUnions reporting. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information in their reports. TransUnions reporting of these accounts, when the other major bureaus do not, is misleading, harmful to my credit profile, and indicative of a systemic failure to comply with federal standards. 

These issues, particularly the reinsertion without notice and inconsistent reporting, may also rise to the level of willful noncompliance under 15 U.S.C. 1681n, exposing TransUnion to liability for statutory and punitive damages. The lack of proper reinvestigation procedures and ongoing inaccuracies reflect not just negligence, but potentially deliberate disregard for FCRA requirements. 

I am requesting that the CFPB take further action in holding TransUnion accountable for these violations. I also respectfully ask for an update on the status of my complaint and whether TransUnion has responded to the XXXX inquiry. This situation continues to cause harm to my credit and peace of mind, and I appreciate your continued attention to ensuring my rights are enforced.

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 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a XXXX XXXX card/account in the year XXXX. I paid the card off and closed the account in that same year. The account has now reopened without out my knowledge XX/XX/XXXX. It has dropped my XXXX XXXX XXXX points. It has dropped due to late payments. I called XXXX XXXX to see what has happened. They told me I dont have an account with them. I told them they have reopened a paid off account. I was told they sent it to collections on accident and that they can no longer help me. I called debt XXXX and they told me I dont have any debt in collections. Now it stems back to XXXX XXXX. Im not sure whats going on. But I know I paid that account off and closed it two years ago. So Im not sure why it has reopened after all this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent accounts on my report. Please remove them as they are hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: VYSTAR CREDIT UNION
State: NV

Complaint narrative:
On XXXX XX/XX/XXXX, my current XXXX XXXX XXXX XXXX XXXX XXXX, requested, My old financial institution Vystar Credit Union to transfer my IRA to my account Ira. Vystar remove the money and it was lost for two month, on XXXX XX/XX/XXXX it appeared back in my account. I called Vystar and talked with supervisor, she said that she would call me back, this would be the second time I was told that they would call me backbut never received a call back. Today magically over {$14000.00}. appears back in my closed account. I did a tracking on my accounts, someone at Vystar mailed my Money back to Vystar instead of mailing it 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