vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
Willful Negligence, Identity Theft, and FCRA Violations Failure to Correct Known Inaccuracies I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2. 
Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

Verified Discrepancies ( As of XX/XX/XXXX Credit Report XXXX XXXX o Credit limit vs. balance inconsistencies. 
o Incorrect remarks showing a higher utilization rate affecting my score unfairly. 
Unauthorized Inquiries ( Likely Tied to Fraud or Misuse of Info ) : o XXXX XXXX XXXX TransUnion o XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  Experian o These inquiries were made without my authorization and have harmed my credit file. 
Inaccurate Personal Information : o Incorrect or outdated addresses and employers still listed, including : XXXX, MS and  XXXX, TX simultaneously Employers I have not worked for or authorized to report You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current IdentityIQ Credit Report ( 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 explanation
Consumer complaint received 2025-03-27 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
According to 15 usc 1692 this company have violated my rights by in lawful communication and have been reporting inaccurate information on my credit reports I need deleted immediately please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXX o Reporting a balance of {$45000.00} and charge-off status. 
XXXX I have never opened this loan. This is a fraudulent account. 
XXXX XXXXXXXX continues after disputes and an FTC identity theft report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX o Collection Account # : XXXX XXXX A fraudulent collection placed on my report after I refused to sign their contract. 
XXXX My spouse was the only party to the agreement, yet I was fraudulently added. 
XXXX This is a violation of consent under FCRA XXXX and XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX Closed account showing XXXX late on XXXX in XX/XX/XXXX. 
o It is illegal to report new lates on closed/paid accounts. 

You are in violation of multiple federal laws and consumer protections : FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX Failure to block identity theft-related info after proper notice FCRA XXXX and XXXX Accessing and reporting my information without consent FCRA XXXX and XXXX Willful and negligent noncompliance XXXX XXXX XXXX XXXX using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( XXXX XX/XX/XXXX ) XXXX XXXX Credit Report ( 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 2025-03-27 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: MS

Complaint narrative:
I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXX o Reporting a balance of {$45000.00} and charge-off status. 
XXXX I have never opened this loan. This is a fraudulent account. 
XXXX XXXXXXXX continues after disputes and an FTC identity theft report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX o Collection Account # : XXXX XXXX A fraudulent collection placed on my report after I refused to sign their contract. 
XXXX My spouse was the only party to the agreement, yet I was fraudulently added. 
XXXX This is a violation of consent under FCRA XXXX and XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX Closed account showing XXXX late on XXXX in XX/XX/XXXX. 
o It is illegal to report new lates on closed/paid accounts. 

You are in violation of multiple federal laws and consumer protections : FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX Failure to block identity theft-related info after proper notice FCRA XXXX and XXXX Accessing and reporting my information without consent FCRA XXXX and XXXX Willful and negligent noncompliance XXXX XXXX XXXX XXXX using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter. 

Attached Documents : FTC Identity Theft Report ( XXXX XX/XX/XXXX ) XXXX XXXX Credit Report ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and inconsistencies in my credit report that your bureau continues to report despite my repeated attempts to correct them. These errors include incorrect personal informationsuch as outdated variations of my name, address, and phone numberas well as inaccurate reporting on several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These accounts reflect erroneous details regarding balances, payment history, charge-offs, and delinquencies, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Since XXXX, I have submitted multiple disputes with documentation, yet no meaningful corrective action has been taken. This lack of compliance with FCRA 1681i, 1681s-2 ( a ), and 1681b has resulted in significant financial and emotional harm, including denial of loans and increased interest rates. I am requesting immediate removal of all incorrect personal data, correction or deletion of the disputed accounts, written confirmation of these corrections, and a recalculation of my credit score to reflect the accurate information. If this matter is not resolved within 15 days, or by XX/XX/XXXX, I will take further action, including legal proceedings and a complaint to the Consumer Financial Protection 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 2025-03-27 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: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and inconsistencies in my credit report that your bureau continues to report despite my repeated attempts to correct them. These errors include incorrect personal informationsuch as outdated variations of my name, address, and phone numberas well as inaccurate reporting on several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These accounts reflect erroneous details regarding balances, payment history, charge-offs, and delinquencies, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Since XXXX, I have submitted multiple disputes with documentation, yet no meaningful corrective action has been taken. This lack of compliance with FCRA 1681i, 1681s-2 ( a ), and 1681b has resulted in significant financial and emotional harm, including denial of loans and increased interest rates. I am requesting immediate removal of all incorrect personal data, correction or deletion of the disputed accounts, written confirmation of these corrections, and a recalculation of my credit score to reflect the accurate information. If this matter is not resolved within 15 days, or by XX/XX/XXXX, I will take further action, including legal proceedings and a complaint to the Consumer Financial Protection 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
XX/XX/year> dispute filed for {$330.00} and they said they would provide provisional credit by the XXXX of XXXX but they closed it before they could they did not tell me why they closed the dispute or provide me with any eveidenve however I told them the day the transaction were happening that the transactions neeeded to be canceled while they were happening and they said to call back {$330.00} dollars Narrative Narrative Narrative Narrative Incident Description I contacted my bank to report unauthorized charges on my account, explaining that I was not the one making them. While speaking with customer service, I noticed additional transactions being attempted and urged them to cancel the pending charges immediately. However, they informed me that pending charges could not be stopped. Frustrated, I expressed my concern but decided to wait and see if the charges would eventually drop o.When the charges didnt fall o and posted to my account, I contacted the bank again. They assured me I would receive a credit while they conducted an investigation. However, despite clear evidence that the charges were unauthorizedand despite my prompt report to their customer service while the fraudulent activity was ongoingthe bank ruled in favor of the company responsible for the charges, XXXX.I decided to investigate XXXX further and found that it appears to be a scam operation. This raises serious questions about the banks decision. How could they side with a company that clearly operates in bad faith, especially when I had reported the unauthorized transactions as they were happening? It feels as though the bank actively enabled the theft of my funds by refusing to stop the payments when I first called and by ultimately siding with this suspicious company who never even responded to me as their customer. Their lack of action and failure to protect my account has left me feeling betrayed and deeply concerned about the integrity of their investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase Bank regarding the forfeiture of a significant amount of Ultimate Rewards points associated with my XXXX XXXX XXXX account ending in XXXX. 

Chase forfeited points with a total value of {$16000.00} due to my account being past due by only {$310.00}. The delay in payment was unintentional and resulted from a failure in the Auto Pay system I had previously set up and believed to be functioning correctly. 

Additionally, I was traveling internationally during XXXX and XXXX, which limited my ability to monitor the account. In XXXX, I was affected by the California wildfires, which further disrupted my ability to detect that the Auto Pay had failed. This situation was not due to neglect or refusal to pay. 

Once I became aware of the issue, I promptly paid the full balance. My account is now in good standing. I reached out to Chase to request a goodwill reinstatement of the forfeited points, especially given the minor overdue amount compared to the point value forfeited. Unfortunately, my request was denied. 

I believe Chases decision to forfeit over {$16000.00} worth of rewards for a {$310.00} overdue balanceunder clearly extenuating circumstancesis both unreasonable and punitive. I respectfully request the CFPB 's assistance in urging Chase to review this matter and reinstate the forfeited points as a one-time courtesy. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
I am writing to place you on official legal notice regarding the continued and unlawful reporting and/or collection of fraudulent data on my consumer credit file. I am the verified victim of identity theft, as documented by Federal Trade Commission Identity Theft Report # XXXX. 

Your failure to correct, block, and permanently delete these accounts and inquiries is a gross violation of multiple federal laws, including but not limited to : - 15 U.S.C. 1681c-2 Obligation to block information resulting from identity theft - 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d & 1692e Prohibition of collection of invalid debt- Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- Fair and Accurate Credit Transactions Act ( FACTA ), Pub.L. 108159

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 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. The following account ( s ) contain reporting errors that require immediate investigation and correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Issues : Upon reviewing my consumer report, I have identified multiple inaccuracies and non-compliance issues, including but not limited to : Inconsistent Payment History : The payment history reflected on this account is inconsistent and does not follow the correct reporting format. Please verify the accuracy and update accordingly. 

Incorrect Status Code : The account is reporting an inaccurate status code that is not in alignment with the current standing of my account. 

Balance and Date Discrepancies : The reported balance and/or date of last activity are inconsistent with my records. 

Failure to Meet Compliance Standards : If this account has been verified previously, I request the detailed method of verification, as mandated by the FCRA. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation within 30 days and provide verifiable proof that this data is being reported accurately according to Metro 2 standards. If you are unable to verify the accuracy of this information, I demand its immediate deletion from my credit file per federal law. 

Please provide written confirmation of your findings and any actions taken regarding this dispute. If you require further details, I am happy to provide additional supporting documentation. 

I expect a response within the statutory timeframe. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
In XX/XX/year>, I was approved for a {$2400.00} PayPal credit limit. when I was approved, I had several charge offs and other negative accounts that I was working on my credit report. Then the end of 2024 after the charge offs were removed and my credit was improving They cut my limit down to XXXX. This caused me to have a high usage rate which caused my credit to go down. I fixed all that and my credit score is higher and has XXXX negative items, my usage is at about 40 %. Today XX/XX/XXXX when I logged in, they reduced my limit again to {$990.00}. WITHOUT NOTIFICATION!! They are ruining my credit. They are also reporting hard inquiries up to four times a day. Ive contacted the executive office numerous times and they have not gotten back to me. I am working on getting an FCRA attorney

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 2025-03-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681c-2 credit bureaus are required to block fradulent information from appearing on my credit report once a identity theft report is presented. I expect an immediate resolution to this matter My personal information was leaked in the recent XXXX breach and every since then weird things have been suddenly appearing on my credit damaging my score. Please remove the following accounts. 

XXXX XXXX XXXX acct # XXXX balance {$51.00} XXXX XXXX XXXX acct # XXXX. balance {$200.00} XXXX XXXX acct # XXXX balance {$1600.00} XXXX XXXX XXXX acct # XXXX balance {$15000.00} XXXX  XXXX  XXXX acct # XXXX. balance {$13000.00} ComenityCapital bank acct # XXXX. balance {$1000.00} XXXX XXXX acct # XXXX. balance {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email on my XXXX account from two home service providers, XXXX XXXX XXXX and XXXX XXXX XXXX  to transmit calls over XXXX on subsidized internet plans from the government. I received several emails as part of a class-action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX , Minister of Investor XXXX XXXX . These hacks caused unauthorized debt to be posted to my personal line of credit associated with the last four digits of my SSN, which is used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my personal life, and I am requesting that the leading credit bureau XXXX delete reported items due to a violation of privacy laws by the Federal Trade Commission. Additionally, if there may be any criminal record that exists in the XXXX XXXX Government Clerk of Courts system needs to be deleted as it hinders my ability to be gainfully employed and to pursue economic wealth and prosperity in the United States of America. I respectfully request that the state prosecutor review and amend the charges to be expunged, as XXXX XXXX is being misused by public elected officials.

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