vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-07 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 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 2025-05-07 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX XXXX # XXXXXX/XX/XXXX- Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX charged off in XX/XX/XXXX {$570.00} Incorrect on my credit report as not not paid in corner post received a full payment Iam writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect host balance

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am disputing inquiries as I have NOT authorized my credit to be pulled by these creditors listed below : 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 I have the right to dispute any accuracies. This complaint falls under 1681b ( c ) which prohibits the use of creditors from obtaining my credit without my authorize.

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 2025-05-07 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I am disputing inquiries as I have NOT authorized my credit to be pulled by these creditors listed below : 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 I have the right to dispute any accuracies. This complaint falls under 1681b ( c ) which prohibits the use of creditors from obtaining my credit without my authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was approved for a personal loan by LightStream for {$28000.00} on XX/XX/year> and received full confirmation that funding had been approved and was in process. After approva along with submitting my banking information copies of my paystubs and a hard credit inquiry. I was notified that my application was suddenly denied due to unverifiable information. 
This is misleading and unfair. I submitted all required documents in good faith, and the approval/funding notice gave me reason to rely on the loan that was due to be disbursed on XX/XX/year>. The reversal caused disruption to my financial plans and feels deceptive. I am requesting an explanation, a copy of the verification findings, and the removal of any hard inquiry or reporting impact to my credit and possibly the opportunity to have the loan reconsidered being that my score is a XXXX. 
I would also like to understand why I wasnt given a chance to provide clarification or resolve any questions before the denial.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
On XX/XX/year> i send XXXX $ from USA to XXXX, order XXXX. According to terms and conditions they should keep money 30 days. But ria money transfer made unauthtorized refund after 21 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Hello, thank you for assisting me I recently reviewed my credit report and noticed accounts that are not reporting accurately. It shows I had a late payment on an account that I was in fact Paid on Time. The consumer reporting agencies need to report all information with complete accuracy and this have been impacting me greatly. This account for XXXX account # XXXX has Not been Late on payments and I've attached a the dates XX/XX/year> and XX/XX/year> showing the inaccurate late. 
I demand this payment be updated to On Time Paid as Agreed immediately you can not report information with knowledge that this information has errors. I have substantial doubts the accuracy of the information when I spoke with XXXX and they had no knowledge my account being late. Please update this account to On time paid as agreed and never late.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Finmax Smart Capital LLC
State: MN

Complaint narrative:
XXXX ( Independent Capital Recovery ) This company has called my relatives and friends multiple times. They gave them my social security number AND reference number. This is unacceptable and I need this to be addressed. 

I called them as well to get answers and instead of helping they stated they have the right to call anyone to get my location. This company needs to get investigated ASAP as they failed to send me any letters, emails or leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off a Bank of America XXXX XXXX credit card in full.Three month later I recieved information from my credit service that I was late on a credit card payment.It seems that the credit card from Bank of America had a yearly fee for the card and did not send me a bill, now my credit took a hit of XXXX points.

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 2025-05-07 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transactionXXXX/2022 Merchant name : XXXXXXXX XXXX Amount charged : {$2000.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute.

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-05-07 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony bank - CareCredit. I paid off the full outstanding balance of {$4800.00} on XX/XX/year>. Since then CareCredit continued to accrue interest on my account unfairly. Ive asked them to remove this new charge but they refused. They insist I pay. Greed, unfair practices and stealing from consumers is how Synchrony bank -CareCredit does business - The corporation uses overseas call centers to do their dirty business.

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 2025-05-07 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: IL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX voluntarily closed my with Kickoff LLC in which I was sent an email stating that my account was closed and my balance was XXXX. The email plainly stated that I owed nothing. After closing my account with Kickoff LLC, my account flagged as late which resulted in XXXX points decrease with XXXX. My account was not flagged as late until after it was closed. This retaliation against me for closing my account. I asked that accurately Kikoff report my account as closed and current, not late. I ask that Kikoff to report my account accurately to all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
It has come to my attention that these accounts below are in violation of the Fair Credit Reporting Act. The accounts have been deemed a profit and loss and has been reported to the IRS. Also, the creditors are updating the account as delinquency each month that is also a violation of 15USC 1681 S-2 and 15USC 1681 E ( B ) laws. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX  XXXX Account number : 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 2025-05-07 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: RI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a - {$5200.00} bank account because Bank of America allowed XXXX XXXX to charge me for a second time for a {$5100.00} generator after it was already delivered. They obviously received their payment which is why they shipped it and delivered it and then they tried charging me again. Bank of America allowed the transaction to go through. Did not decline it as they were supposed to and let my account overdraft by over {$1000.00} they then allowed it to draft another - {$4000.00} over the weekend of things that were actually supposed to come out of my account. They have yet to rectify the situation they have yet to take responsibility for the fact that they should not have even allowed the overdraft to happen and they need to put my account back to zero and eat the {$5200.00} themselves because it never shouldve happened in the first place. Ive given them every ounce of proof I can that the generator was paid for another way and that XXXX XXXX just decided to charge me again for the same generator after it was delivered after it was shipped Bank of America refuses to do anything about it except tell me that sometimes they let things overdraft. Except if I tried to buy a loaf of bread for me and my children, it wouldve declined if there wasnt enough money in it but they allowed a big box store to overdraw it by over {$1000.00}. This is fraud. This is false business practices. This is theft.

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