vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-06 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:
I recently reviewed my consumer report and noticed two inaccurately reported late payments on an account for which I have never missed a payment. As consumer reporting agencies play a critical role in ensuring the accuracy of consumer information, I request a thorough investigation into this matter. 

The alleged late payments are recorded for XXXX and XX/XX/year>. I have attached screenshots as supporting evidence to demonstrate that my payments were made on time. Please provide official statements or proof confirming these late payments. If such proof can not be provided, I respectfully request that my payment history be updated to reflect an on-time status, as the current reporting is incorrect. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.

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 2025-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires & accounts, which I have NO knowledge of. These are the fraudulent inquires I have found : Inquires : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went to buy a car at the dealership they put over XXXX unauthorized inquiries on my credit report, this is IDENTITY THEFT! I did not give them permission to run my credit like that these are the dates and inquiries i want removed, On XX/XX/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 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 sent 3 CERTIFIED letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) tDo Equifax, Experian & Transunion on XX/XX/XXXX asking the CRETIT REPORTING AGENCIES to remove these OLD XXXX, XXXX XXXX XXXX I GOT NO RESPONDS!!!!

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 2025-03-06 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: NY

Complaint narrative:
I went to buy a car at the dealership they put over XXXX unauthorized inquiries on my credit report, this is IDENTITY THEFT! I did not give them permission to run my credit like that these are the dates and inquiries i want removed, On XX/XX/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 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 sent 3 CERTIFIED letterXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) tDo Equifax, Experian & Transunion on XX/XX/XXXX asking the CRETIT REPORTING AGENCIES to remove these OLD XXXX, XXXX XXXX XXXX I GOT NO RESPONDS!!!!

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 2025-03-06 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 ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within XXXX days. Relevant supporting documents are attached for your review.

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 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit file related to my XXXX XXXX account ( Account Number : XXXX XXXX ). Upon reviewing my credit reports, I noticed a material discrepancy in my payment history between Experian and Equifax. While Experian reflects a single 30-day late payment in XXXX, Equifax inaccurately reports a 60-day late payment in XX/XX/XXXX, which is factually incorrect and detrimental to my credit standing. 
Legal Basis for Dispute : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are obligated to report accurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

Furthermore, the FCRA, 15 U.S.C. 1681e ( b ), requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The conflicting data between Experian and Equifax indicates a clear failure to maintain accuracy. 
Additionally, under XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ), courts have ruled that credit bureaus must do more than merely parrot information from furnishersthey must conduct meaningful investigations. Given that Experian and Equifax report different information, it is evident that at least one of these bureaus is reporting inaccurate data. 
Requested Action : I formally request the following corrective measures be taken : Conduct an immediate reinvestigation of the XXXX XXXX accounts payment history. 
Remove the inaccurate 60-day late payment entry for XX/XX/XXXX. 
Provide me with a written confirmation of the investigation results and any updates to my credit report. 
If the disputed information is verified as accurate, provide a detailed explanation of how this determination was made, including the name and contact details of the data furnisher. 
Supporting Documentation : I have attached the following : A copy of my Equifax and Experian credit reports highlighting the discrepancy. 
Failure to address this issue within the statutory 30-day timeframe will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under the FCRA, including statutory and punitive damages for willful noncompliance under 15 U.S.C. 1681n.

I appreciate your prompt attention to this matter and look forward to your response. Please provide all correspondence in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit file related to my XXXX XXXX account ( Account Number : XXXX XXXX ). Upon reviewing my credit reports, I noticed a material discrepancy in my payment history between Experian and Equifax. While Experian reflects a single 30-day late payment in XXXX, Equifax inaccurately reports a 60-day late payment in XX/XX/XXXX, which is factually incorrect and detrimental to my credit standing. 
Legal Basis for Dispute : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are obligated to report accurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

Furthermore, the FCRA, 15 U.S.C. 1681e ( b ), requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The conflicting data between Experian and Equifax indicates a clear failure to maintain accuracy. 
Additionally, under XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ), courts have ruled that credit bureaus must do more than merely parrot information from furnishersthey must conduct meaningful investigations. Given that Experian and Equifax report different information, it is evident that at least one of these bureaus is reporting inaccurate data. 
Requested Action : I formally request the following corrective measures be taken : Conduct an immediate reinvestigation of the XXXX XXXX accounts payment history. 
Remove the inaccurate 60-day late payment entry for XX/XX/XXXX. 
Provide me with a written confirmation of the investigation results and any updates to my credit report. 
If the disputed information is verified as accurate, provide a detailed explanation of how this determination was made, including the name and contact details of the data furnisher. 
Supporting Documentation : I have attached the following : A copy of my Equifax and Experian credit reports highlighting the discrepancy. 
Failure to address this issue within the statutory 30-day timeframe will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under the FCRA, including statutory and punitive damages for willful noncompliance under 15 U.S.C. 1681n.

I appreciate your prompt attention to this matter and look forward to your response. Please provide all correspondence in writing. 
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 2025-03-06 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:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I review my report regularly, but these discrepancies appeared unexpectedly. I attempted to refresh my browser, assuming it might be a temporary issue, but the incorrect accounts remained. Given this situation, I kindly ask that my submitted documents be carefully examined to ensure I never have to deal with this concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
When my BOA credit card ending in XXXX was renewed and activated the bank added a virtual card which is attached, unbeknownst to myself, and sent me a notification that account ending in XXXX would be accessible in the XXXX section of my account. 

What right does boa have to add another form of credit without my knowledge? 
Why was I not given the option to " opt out '' when renewing the card? 

And to top it off with all of the confusion and because I received XXXX codes and did not give them the proper code when they were trying to validate me, they could not cancel the virtual card over the phone, and would not use my husband 's phone number because he wasn't on the account. 
The amount of time and stress this has caused is beyond belief. 

Sincerely, 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 2025-03-06 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: CA

Complaint narrative:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and Transunion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS 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 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 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

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 2025-03-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
I looked on my credit report there was some fraud accounts on my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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 looked on my credit report there was some fraud accounts on my file

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 2025-03-06 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: PA

Complaint narrative:
The companies did not respond to any of the dispute letters. Nor did they provide any proof of me giving them permission to solicit my account information

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 2025-03-06 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: FL

Complaint narrative:
I did so fraud dispute i provide all de documents even police report the credit and the dispute was on my favor now the are reversal some credit that already was given to me on my favor now AGAIN IM OVERDRAFT

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 monetary relief