vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to formally dispute fraudulent information appearing on my EXPERIAN credit report under 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a victim of identity theft, I demand that these fraudulent accounts be blocked and permanently removed from my credit file. 
FTC REPORT NUMBER : XXXX FTC REPORT NUMBER : XXXX I have enclosed a copy of my Police Report and FTC Identity Theft Report. 
which substantiates my claim. Under 15 U.S.C. 1681c-2, the credit reporting agencies are required to block this information within four business days of receiving my request.

The following accounts and names have been fraudulently reported and must be DELETED IMMEDIATELY : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX. 
Account Number : XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this issue directly with EXPERIAN, yet they have failed to take the appropriate corrective action. Furthermore, I have requested validation and verification documents, including signed contracts proving my liability for these accounts, and have not received any response within the legally mandated timeframe. 
Due to the continued reporting of these fraudulent accounts, I have suffered significant financial hardship, including the inability to secure housing for my family. I am formally requesting that the Consumer Financial Protection Bureau intervene immediately to ensure compliance with FCRA 605B and order the deletion of these accounts. 
I expect written confirmation of the removal of these fraudulent accounts from my credit report. Please take immediate action to rectify this matter and uphold my consumer rights. 
Thank you for your prompt attention to this urgent issue.

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 2025-03-25 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 HAVE BEEN AFFECTED BY THE XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Date Opened XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-25 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: WV

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them from my report. Please..

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 2025-03-25 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: TX

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I demand the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the FCRA. Under Section 611 ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or unverifiable, it must be permanently removed. I expect nothing less than full compliance.

Under Section 609 ( e ), if identity theft is involved, I am entitled to supporting documentation from both the credit agencies and the furnishers. I expect you to provide this documentation immediately.

Section 623 ( a ) ( 2 ) clearly states that furnishers must promptly correct any inaccurate information. This hasnt happened, and I demand immediate action.

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 2025-03-25 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 am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX CU # XXXX - Date Opened XX/XX/XXXX Account Name : MODEL FINL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My car loan is paid ( AmericanCreditAcceptance ) ... per signed contract ... and was told that XX/XX/XXXX would be my last payment... they have now attached {$16000.00} plus more to my account fraudulently claiming that I requested an extension??? This is a complete lie and blatant deceit... I've paid over {$40000.00} on an original sticker price of over {$17000.00} back in XXXX. I need help from someone who can investigate their fraudulent business practices... my car is paid off... WHY would I in a million years ask for an extension?? Payments made every month?? There is no phone call, email or text made by me with such a blatant and fraudulent claiming. I want to file a formal complaint and help from an authority governing this company ... .they will not get away with this... I've demanded my title to the car and I was told " they would review it '' ... a {$17000.00} car ... paid over {$40000.00} and now when I paid last payment in XX/XX/XXXX they attach another original sticker price to my account??? Please please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
Sadly I'm still being blocked by Transunion and can not add statements to either of the previous disputes I have opened about two particular creditors. I also can not submit new disputes directly through Transunion for either of the two credit cards in question, from their site. I had two disputes I submitted to Transunion ( through XXXX XXXX ) for Ally credit and XXXX XXXX  and neither was honored by Transunion. On XX/XX/25 I submitted a dispute for XXXX and by XX/XX/25 they claimed they had resolved the inquiry and denied my claim just 3 days later without notifying me or adding a response for the denial. On XX/XX/25 I submitted a dispute for XXXX and on XX/XX/25 my dispute was approved but Transunion never updated my account to remove the ( one and only ) charge amount XXXX is currently reporting. Transunion continues to allow both creditors to report the amounts I am currently disputing with the same merchant, for complete chargebacks on both. No results are available to me w explanations after Transunion 's investigations pertaining to the two credit cards disputes reviewed. Since whatever amounts were being reported initially, are still being reported by the two creditors now, I doubt Transunion even attempted to do their due diligence to find out if those creditor accounts are working on my disputes investigating those particular charges. Transunion just tanked my score by 70 plus pts because they are allowing XXXX to report that my account is now 30 or 60 days late. ( I don't have a clear picture from XXXX XXXX and I wouldn't know exactly what the case is from Transunion because I still can't use Transunions site directly yet. ) Ally is however guilty of counting lateness and allowing them to pile up along w late charges all while they investigated my chargeback, the first time around and now. I am continuing to appeal the charges for both credit cards currently so any amounts they report back to Transunion would automatically be inaccurate at this time. I'm guessing in no time, a lateness will also be reported by XXXX. I disputed these same creditors and their reporting errors XXXX XXXX and they have completely deleted XXXX, for said reasons, from my report as of XXXX. XXXX 's reporting has also been silenced. XXXX is currently being reported as paid off and status not available by XXXX. On XXXX, there is also a lender or bureau comment stating that the amount in question is in dispute under the Fair Credit Billing Act for CareCredit.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$210.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$860.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$210.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$860.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/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 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid the balance in full for the XXXX card which is a XXXX gas station card XX/XX/year>. There was no balance in XX/XX/year> and the account was closed when I paid off the account in XX/XX/year>. 
Then I received a bill in XXXX for a minimum interest charge of {$2.00} on a Zero Balance Credit line that was closed in XXXX and and a XXXX balance in XXXX. 

The representative XXXX XXXX said they could charge the {$2.00} because they made a change in my terms. I told her, How can you make a change in terms on an account that is closed and that the account was now in a circular condition. 
{$2.00} interest on a zero balance was charged as a minimum interest. 
So then it created a {$2.00} balance in XX/XX/year>. Then in XXXX there would be a balance in XXXX that would be charged the minimum interest of {$2.00}. 

I feel that MySynchrony is committing a fraud by charging a {$2.00} minimum interest charge on a zero balance credit line. Also, they charged me previously {$6.00} a month for some sort of auto care which I was required to cancel the card to cancel that roadside auto service. That roadside autoservice was never available to me to use.

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
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit 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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I, XXXX XXXX, respectfully requested a full and permanent settlement of disputes in my favor. XXXX  business credit card account number ending : XXXX. 
Case XXXX & XXXX & XXXX & XXXX. 

For this I have reopened my disputes yet Bank of America continues to bill me interest for the open disputes.

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 2025-03-25 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: MD

Complaint narrative:
I recently submitted a dispute because Im deeply concerned about an account on my credit report that appears to be inaccurate and incomplete. Its clear that a proper investigation wasnt done, and the incorrect information is still being reported. This situation is causing me immense stress, and Im feeling completely overwhelmed. 

Please, I need your helpI dont know what else to do, and its really affecting my well-being. Also, I want to make it clear that I am personally submitting this dispute, not a third party.

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