vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
Subject : Request to Remove Outdated Information and Update Personal Records To Whom It May Concern, I am submitting this formal dispute to request a complete update and correction of my personal information under my rights provided by the Fair Credit Reporting Act ( FCRA ).

There is outdated, incorrect, or unverified information currently being reported in my consumer file. I am requesting that the only personal identifying information retained and displayed on my file match what is provided below, and that all other variations, outdated addresses, incorrect names, and unrelated employment or contact information be removed immediately. 

Please update and retain only the following verified information : - Full Legal Name : XXXX XXXX XXXX ( Please Remove All Other Names ) - Date of Birth : XXXX XXXX XXXX ( Please Remove All Other Date Of Birth ( XXXX ) ) - Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( Please Remove All Other Address ( es ) ) - Last Four of Social Security Number : XXXX ( Please Add My Last Four To My Consumer Report ) - Current Employer : XXXX  ( Please Remove All Other Employers ) - Email Address : XXXX ( Please Remove All Other Emails ) - Phone Number : XXXX ( Please Remove All Other Phone Numbers ) Please take the following actions : Delete all outdated names, misspellings, aliases, or variations of my legal name. 
Remove all former or incorrect addresses that do not match the current address listed above. 
Delete any incorrect, outdated, or unverified employer information. 
Ensure no other personal data remains on file except what is listed above. 
I am including the necessary supporting documentation to verify my identity and confirm the accuracy of the information I am requesting to keep on file. Please consider this my formal demand for correction and removal of any other personal information not listed above. 

Once completed, I respectfully request written confirmation that the outdated and incorrect information has been deleted and that only the verified information I provided is being reported moving forward. 

Thank you for your attention and prompt action on this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
Subject : Request to Remove Outdated Information and Update Personal Records To Whom It May Concern, I am submitting this formal dispute to request a complete update and correction of my personal information under my rights provided by the Fair Credit Reporting Act ( FCRA ).

There is outdated, incorrect, or unverified information currently being reported in my consumer file. I am requesting that the only personal identifying information retained and displayed on my file match what is provided below, and that all other variations, outdated addresses, incorrect names, and unrelated employment or contact information be removed immediately. 

Please update and retain only the following verified information : - Full Legal Name : XXXX XXXX XXXX ( Please Remove All Other Names ) - Date of Birth : XXXX XXXX XXXX ( Please Remove All Other Date Of Birth ( XXXX ) ) - Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( Please Remove All Other Address ( es ) ) - Last Four of Social Security Number : XXXX ( Please Add My Last Four To My Consumer Report ) - Current Employer : XXXX  ( Please Remove All Other Employers ) - Email Address : XXXX ( Please Remove All Other Emails ) - Phone Number : XXXX ( Please Remove All Other Phone Numbers ) Please take the following actions : Delete all outdated names, misspellings, aliases, or variations of my legal name. 
Remove all former or incorrect addresses that do not match the current address listed above. 
Delete any incorrect, outdated, or unverified employer information. 
Ensure no other personal data remains on file except what is listed above. 
I am including the necessary supporting documentation to verify my identity and confirm the accuracy of the information I am requesting to keep on file. Please consider this my formal demand for correction and removal of any other personal information not listed above. 

Once completed, I respectfully request written confirmation that the outdated and incorrect information has been deleted and that only the verified information I provided is being reported moving forward. 

Thank you for your attention and prompt action on this matter. 

Sincerely, 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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
I was unaware that the interest rate this company charges is more than legally allowed in the state of Arizona. Additionally, this company has several class action lawsuits they are involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While scheduling cataract XXXX in XXXX of XXXX, I was offered the opportunity to apply for a " XXXX XXXX for 24 months '' offer from CareCredit ( a division of Synchrony ) by the eye surgeon who was recommending cataract XXXX. This appealed to me because it would allow me to choose the more expensive multi-focal inter-ocular lenses that would negate the need for reading glasses. I applied for and was accepted by CareCredit for up to {$7000.00} with XXXX interest if paid off within 24 months. The XXXX was performed at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX ( XXXX XXXX XXXX. I had received the CareCredit XXXX and used it to pay for both services. Each service required XXXX charges on the XXXX, XXXX for the lenses and XXXX for the XXXX. When I received the first statement from the CareCredit, I set up an automatic monthly payment of {$310.00} which would completely pay the balance off in 24 months. In XXXX of XXXX while preparing my XXXX income tax returns, I discovered that CareCredit had been charging interest on all XXXX of the eye XXXX related charges on the credit card ( I have not used the card for any other charges ). I subsequently contacted CareCredit and was told that the vendor ( XXXX XXXX XXXX Center ) had not applied the promotion to the purchases. CareCredit claimed that they could not make any changes because over 6 months had elapsed since the purchases. The recommended that I contact the vendor. I then contacted the vendor who referred me to their billing agency. The billing agency requested copies of the CareCredit statements which I provided. It has now been XXXX months since I discovered the discrepancy and there is no resolution from either CareCredit or XXXX XXXX XXXX XXXX. I have been through all communications that I received from both parties when I applied for the XXXX interest credit card and have found nothing that indicates that the promotional interest rate was declined. It appears that a mistake was made by the XXXX XXXX XXXX XXXX when they ran the credit card, but they are not admitting to a mistake and CareCredit is blaming the XXXX XXXX XXXX XXXX for incorrect billing.

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 2025-04-23 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: PA

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT ( Report # XXXX ) TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM * EQUIFAX * Dear CFPB, I recently reviewed my credit report and I have tried to reason with the company Equifax about this FCRA error on my credit report. I went to the dealership to get a car and the company DID NOT inform me that my credit would be ran 4 additional times. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account! 
The inquiries are listed here : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MI

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent Debt Validation Request Letter on XX/XX/year> and did not receive a response after 30 days.

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 2025-04-22 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 sent Debt Validation Request Letter on XX/XX/year> and did not receive a response after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-22 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-04-23 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX  XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete. Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal. As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request. Ensure third-party data furnishers comply with accuracy and timeliness regulations. Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers. Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete. Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal. As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request. Ensure third-party data furnishers comply with accuracy and timeliness regulations. Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers. Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation