vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PALOMAR ENTERPRISES, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, a {$2000.00} charge was made to my co-owned account, which at the time was solely owned by my mother, from a business in Florida. The charge posted to the account on XX/XX/XXXX. She does not recognize the charge, has never been to Florida, and confirmed she did not authorize it. At the time, she was experiencing significant health and XXXX  challenges, which made it difficult for her to monitor her account. Her debit card had also been reported lost or stolen around that time. 

I recently became a co-owner on her account to help manage her finances and discovered the charge while reviewing past statements. On XX/XX/XXXX, I was contacted by a branch employee named XXXX regarding an unrelated issue involving a duplicate check. During that conversation, I asked about the {$2000.00} charge. XXXX escalated the matter to the branch manager, XXXX, who then spoke with me by phone. 

XXXX acknowledged that the card had been reported lost or stolen and agreed that the charge looked suspicious. However, she stated that because the charge occurred more than 90 days ago, the bank could not take any action. I explained that my mother had not been in a position to notice or report the charge sooner due to her health. 

I also requested a copy of the banks dispute/fraud policy and was told they could not provide it, and that I could XXXX it instead. Although XXXX acknowledged the branch regularly works with elderly clients, no internal review, escalation, or goodwill process was offered. 

It is also worth noting that XXXX XXXX XXXX has historically been proactive about calling to confirm unusual or potentially fraudulent charges on my mothers account. However, in this case despite the fact that the card had been reported missing no such outreach occurred. This inconsistency raises further concern and suggests that this particular transaction may have fallen through the cracks of their usual fraud protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. My full legal name is XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX PA XXXX. My date of birth is XX/XX/XXXX. 

Here are the incorrect accounts listed on my credit report. 
XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : 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 2025-04-11 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:
I have already files a identify theft report and mailed Experian information I just received YET ANOTHER HARD INQUIRY ON MY REPORT THAT WAS NOT AUTHORIZED. THIS IS MY LAST TIME TRYING TO FIX THIS BEFORE I TAKE THEM TO COURT 15 U.S.C. 1681n ( a ) establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who willfully fails to comply with FCRA requirements is liable to the consumer for actual damages ( or a minimum of {$100.00} up to {$1000.00} ), punitive damages ( as allowed by the court ), and costs of the action, including reasonable attorney 's fees.

I HAVE BEEN REQUSTIN THESE UNAUTHORIZED INQUIRIES BE REMOVED FOR MONTHS AND GOT HIT WITH ANOTHER ONE TODAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I SHOULD ONLY HAVE 6-7 HARD INQUIRES AND THAT IS ALL THOSE LISTED ABOVE I DID NOT AUTHORIZE WHEN I APPLY FOR CAR FINANCING I ONLY RUN 2 PLACES AND THAT IS XXXX XXXX AND XXXX XXXX I DO NOT ALLOW OR GIVE CONSENT TO NO OTHER CREDIT CHECKS

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 2025-04-11 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-11 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report.

A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report.

Protection from continued re-reporting of the same fraudulent information once it has been formally disputed.

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXX XXXX XXXX XXXX Fraudulent auto and personal loans ( Accounts # XXXX and # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX Fraudulent rental debt ( Account # XXXX ) XXXX XXXX XXXX XXXX Fraudulent utility account ( Account # XXXX ) XXXX Fraudulent federal student loan ( Account # XXXX ) These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agenciesXXXX XXXX, and XXXX also including XXXX XXXX XXXX XXXX XXXX XXXX  obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change.

Failure to act in accordance with these laws and policies may result in legal action.

I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing.

Thank you for your attention and for upholding the rights of consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am submitting this formal personal statement to the Consumer Financial Protection Bureau regarding my identity theft case, documented in FTC Identity Theft Report # XXXX. This statement serves as both an assertion of my consumer rights and a demand for immediate and permanent action regarding fraudulent items reported to consumer credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) and 15 U.S.C. 1681i ( Reinvestigation of disputed information ), I am legally entitled to : Have any information resulting from identity theft blocked from my credit report upon submission of an identity theft report.

A reasonable reinvestigation of all disputed items, and for inaccurate, incomplete, or unverifiable information to be deleted from my credit report.

Protection from continued re-reporting of the same fraudulent information once it has been formally disputed.

I have submitted an official identity theft report, certified under penalty of perjury, detailing several unauthorized accounts fraudulently opened in my name, including but not limited to : XXXX XXXX XXXX XXXX Fraudulent auto and personal loans ( Accounts # XXXX and # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  Fraudulent rental debt ( Account # XXXX ) XXXX XXXX XXXX XXXX Fraudulent utility account ( Account # XXXX ) XXXX Fraudulent federal student loan ( Account # XXXX ) These accounts represent identity theft events that have caused severe harm to my credit and personal reputation. In light of multiple widespread data breaches that have compromised consumer information across major institutions, I demand the full and immediate enforcement of FCRA protections without delay. 

Additionally, all three nationwide consumer reporting agenciesXXXX XXXX, and XXXX also including XXXX XXXX XXXX XXXX XXXX XXXX obligated under federal law and their own publicly stated policies to : Permanently remove fraudulent information when presented with an FTC Identity Theft Report ; Cease reporting of disputed information while under investigation ; Provide the consumer with written results and a free copy of the report if the dispute results in a change.

Failure to act in accordance with these laws and policies may result in legal action.

I request the immediate removal and permanent blocking of all fraudulent, inaccurate, and unauthorized accounts listed in my reports to all credit bureaus. I also request confirmation of receipt and compliance in writing.

Thank you for your attention and for upholding the rights of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect

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 2025-04-11 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: FL

Complaint narrative:
I was affected by the Equifax Data Breach. I am a victim of identity theft pursuant to 18USC 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
money has been taken from me without being verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. My full legal name is XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX PA XXXX. My date of birth is XX/XX/XXXX. 

Here are the incorrect account listed on my credit report. 
XXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation