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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXX to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
They denied me based on income and according to 15 U.S.C 1691 they cant do that

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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I formally disputed the unauthorized reinsertion of a previously deleted item with EXPERIAN. I originally disputed items on my credit report under a identity theft dispute dated XXXX XXXX ( CFPB report number - XXXX ). Experian concluded by removing the items, leaving the dispute satisfactory but reinserting a disputed item ( XXXX  XXXX ) without my knowledge. I never received any formal notice in order to allow me time to dispute any items being considered for reinsertion. Experian failure to conduct and maintain accurate reporting unknowingly to me by reinserting an item back on my report that resulted in a negative impact financially for me. There were other items that were unrecognizable in collections that further questions Experian 's Accuracy in their investigation. I have enclosed documentation proving that the disputed item was previously deleted by Experian yet has been unlawfully reinserted without following the legal requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CO

Complaint narrative:
My account was closed XX/XX/year> with a balance of {$250.00} remaining in my checking account. They have not sent out a check after they close my account like they said they would and then Ive called up there numerous of times and they continue to tell me somebodys gon na give me an email then somebodys gon na fix it. It still has not been fixed and Im really tired. Im just going through the runaround and suffering from this Amount of money that has caused

Company response to consumer: Closed with 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Responding to the company they still didnt tell me why I am getting mixed answers no response on this info

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within XXXX  days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting an FTC report Containing XXXX fraudulent accounts. I am also submitting XXXX inquires I did not apply for. Addresses and employment information to be deleted as well. I am also attaching My temporary Identification renewal dated XXXX to verify my identity along with my voters registration card

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting an FTC report Containing XXXX fraudulent accounts. I am also submitting XXXX inquires I did not apply for. Addresses and employment information to be deleted as well. I am also attaching My temporary Identification renewal dated XXXX to verify my identity along with my voters registration card

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used a balance transfer offer that I received a promotion for - I took the transfer offer in XXXX and paid a {$390.00} fee for transferring {$13000.00} to get 0 % interest for XXXX  months. My XXXX statement showed the fee and no interest, XXXX had no interest, as well. When I received my XXXX statement, there was {$280.00} interest charge. When I called, assuming it was an error, I was told that the balance transfer offer at XXXX percent interest was from the date you get the card, not the date you take the transfer. This is a complete bait and switch - who in their right mind would pay {$390.00} in fees to just be charged {$290.00} in interest XXXX months? I was told by customer service there was nothing they could do, I spoke to a supervisor who told me to speak to their hardship department, who couldnt help me, either. This is a wildly unfair, deceiving practice.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by ( XXXX ) Experian, XXXX, XXXX. Federal law requires creditors to notify consumers of late payments at least XXXX  days before the billing due date. My payment, due on ( XX/XX/year> ) was reported late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my supporting documentation.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
I have had XXXX withdrawals for XXXX XXXX  that are fraud. XXXX transaction for {$990.00} on XX/XX/2025. Someone from my bank called and it showed State Employees Credit Union on my caller ID. They told me that I had a XXXX XXXX fraud charges made and that they needed to put it back on my card. They proceeded to go through steps by telling me what to do on my phone. Once I was aware of what they were doing my account had became short {$990.00}. Then another transaction came out of XXXX XXXX on XXXX for {$97.00}. Neither of these transactions had I approved. I dont even use 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Experian for failing to conduct a proper investigation of my credit dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i. 

I previously disputed the following accounts with Experian : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  Despite my written disputes and lawful request for verification, Experian has failed to provide legally required documentation proving the validity of these accounts specifically, original applications with my wet-ink signature. 

Meanwhile, XXXX has fully investigated and permanently deleted the exact same accounts, confirming they were inaccurate or unverifiable. I have uploaded the official deletion results from XXXX for reference. 

Experian continues to mark these items as updated or verified without supplying any verifiable proof. This is willful noncompliance under FCRA 1681i and 1681b, and I am seeking CFPB enforcement to compel Experian to permanently delete all unverifiable information. 

I reserve the right to take further legal action under FCRA, including pursuing statutory and punitive damages for continued reporting of unverified data. 

Please investigate this matter urgently.

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My educational records and personal information were accessed and disclosed without my consent, which is a direct violation of my rights under FERPA. This unauthorized breach has compromised my privacy, and I have serious concerns about how my information has been handled and potentially misused. Due to this violation, I am demanding the immediate removal of these student loans from my credit report, as I should not be held responsible for loans tied to improperly accessed records.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My educational records and personal information were accessed and disclosed without my consent, which is a direct violation of my rights under FERPA. This unauthorized breach has compromised my privacy, and I have serious concerns about how my information has been handled and potentially misused. Due to this violation, I am demanding the immediate removal of these student loans from my credit report, as I should not be held responsible for loans tied to improperly accessed records.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My educational records and personal information were accessed and disclosed without my consent, which is a direct violation of my rights under FERPA. This unauthorized breach has compromised my privacy, and I have serious concerns about how my information has been handled and potentially misused. Due to this violation, I am demanding the immediate removal of these student loans from my credit report, as I should not be held responsible for loans tied to improperly accessed records.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am attaching a FTC report containing XXXX fraudulent accounts as well as XXXX fraudulent inquiries! I have listed addresses I have no association too to be removed from my personal information. I will be attaching My paid for California Identification receipt dated XXXX along with my voters registration card to help to confirm my identity.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am attaching a FTC report containing XXXX fraudulent accounts as well as XXXX fraudulent inquiries! I have listed addresses I have no association too to be removed from my personal information. I will be attaching My paid for California Identification receipt dated XXXX along with my voters registration card to help to confirm my identity.

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