vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting of XXXXXXXX XXXX XXXX XXXX  Account # XXXX I am writing to dispute inaccurate information on my consumer report under the Fair Credit Reporting Act ( FCRA ). The following account appears to have reporting inconsistencies : Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX  I believe this account is not reporting accurately. Please investigate this account, verify its accuracy with the data furnisher, and provide me with the outcome of your investigation. If inaccuracies are found, I request that you update or remove the incorrect information as appropriate. 

To assist in your investigation, I have enclosed a copy of my consumer report with the account in question highlighted. I have also included a copy of my identification and proof of address. 

Please complete your investigation and notify me of the results in writing. Should additional information be required, do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 

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 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Everytime i would try to make a payment early or with a different account. They dont except my payments and returns my payment. Then they charge me a late fees and tells me my bank didnt allow the transaction. Therefore it didnt make the date required and i get hit with a late fee almost every month. I have the confirmation number and all but they never try to resolve the late fees and just keeps charging me. The people that works for there barely speaks XXXX well enough to understand what im paying and takes more then what i authorized. They dont even want to work with the banks when a dispute is filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Abbott Osborn Jacobs PLC
State: IA

Complaint narrative:
They will not remove the credit report. I have been garnished 3 times for the same amount and it is affecting my finances and my credit report. I am not the only one that is being affected by this. There are at least 200 others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2025-01-05 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, US Bank pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned US Bank to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXX, my XXXXXXXX XXXX XXXX account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the fay after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXX points. ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXX, my XXXX credit card, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.

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 2025-01-04 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: AL

Complaint narrative:
I learned how to look over my credit report and to look for inaccurate and unauthorized use of my credit report 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. 

Hard Inquiries 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 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. 
You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt. 

Please remove these accounts 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 non-monetary relief
Consumer complaint received 2025-01-04 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 AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I asked the credit company to remove addresses off my credit report. They did not remove them. I only have one address.

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 2025-01-05 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: DE

Complaint narrative:
I asked the credit company to remove addresses off my credit report. They did not remove them. I only have one address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
That XXXX of XXXX XXXX people identity was stolen, including minds. I would like to use the data breach law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: DE

Complaint narrative:
I asked the credit company to remove addresses off my credit report. They did not remove them. I only have one address.

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 2025-01-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year> I wanted to make up for some presents that XXXX had messed up for XXXX. After finding the software I was looking for I attempted to purchase the item but my card kept getting declined not knowing why. 
I called the Best Buy number located on back of the card and spoke to a rep explain what was going on. Rep claimed that they send a notice on the XXXX XXXX explaining the reason on why my card was closed. 

Now I have been trying my best to work on my credit and have been doing well with the exception of one card XXXX because of miscommunication I had a late payment However, I always made sure I was up to date with Best Buy. In fact when they closed my account my available credit was {$500.00} or XXXX XXXX with a XXXX balance and never had any issues. But what gets me very upset is the fact that I believe the closure was unfair and unethical by not providing a fair notice. 
I found it strange that they would send a letter on XXXX XXXX and expect to receive it durning the holidays especially news years but that's besides the point just saying something don't add up.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An unauthorized hard inquiry from XXXX XXXX XXXX Credit Card appeared on my credit reports with Experian and XXXX on XX/XX/year>. I did not authorize or initiate this inquiry, and it violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer consent for credit inquiries. 

I discovered this error while reviewing my credit report, and I have taken steps to dispute the issue directly with both Experian and XXXX. Despite providing all necessary documentation, I have not yet received confirmation of the removal of this inquiry or adequate resolution. This unauthorized inquiry negatively impacts my credit profile and is a breach of 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 2025-01-05 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: 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Has violated my rights I looked at my Transunion 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 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, 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 the 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.

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 2025-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Today I am purchasing a car I have XXXX in my account I have been at the lot from XXXX to XXXX Speaking on how I can transfer my funds The last resort was removing it off the card They never stated my pin was not active All those hrs on the phone At this point finally found a car An ready to make purchase transfer on XXXX is not available due to time past XXXX So removing cash from card is last resort Told rep I was all set thats all I would need an went to withdraw Got 3 errors stating bank institution declined transaction I called they identified me States I couldnt use the car until 24 hrs Im stuck here at the lot With XXXX on my card an can not use it Because they said I never setup a pin an I used the checking pin not knowing the savings did not have a pin they never stated that when I had an issue transferring the money through XXXX or wire XXXX now me an my son are stuck here an they will not allow access to my money. 
I have a XXXX old son an this has caused a major issue Im also making a police report as well.

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 2025-01-04 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: TX

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. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
Incorrect personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
On XX/XX/XXXXXXXX  I got a copy of my credit report. The XXXX XXXX  account wasn't on that report. Today, XX/XX/XXXXXXXX  there is a fraudulent debt of {$1000.00}. I am the victim of identity theft. Someone stole my identity information and opened this fraudulent account. On XX/XX/XXXX, a rep named XXXX would not assist me further when I inquired about the debt validation letter, or access to the fraud account. I was told repeatedly that fraud department would contact me and that I had to physically go to a store in order to verify or change the pin, which I have no knowledge of whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries : XXXX XXXX, XXXX, XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation