vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: Credit Card Acquisitions Group
State: NJ

Complaint narrative:
12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a The furnisher of information to credit agencies is a financial institution by definition and i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no othe
r : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Please remove inaccurate information on my credit report. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Correct Address Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX The following personal information is incorrect : Correct Name : XXXX XXXX XXXX Incorrect : XXXX XXXX Please remove this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group 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 delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX CHInquiry XXXX XXXXIInquiry XXXX XXXXInquiry XXXXINInquiry XXXX XXXX IInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX  - IncorrectPersonal XXXX - IncorrectPersonal 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The XXXX  XXXX XXXX informed me there was Fraud on my XXXX ending in XXXX. Because I was retired Vice President with ( XXXX ) the company that was bought out by Bank XXXX XXXX I was told they would issue me a new Card and have it delivered immediately. I immediately went on line to XXXX who I have an account with to report the Fraud. I was unable to contact anyone from XXXX, by on line service, and/or telephone I have spent a minimum of five hours attempting to get through both ways with negative results. Today XX/XX/year> I received an electronic notice from XXXX informing me that my monthly payment was declined and to contact XXXX immediately. After attempting to contact them I was once again unable to get through on line an/or by telephone. Because I can not get through either way I want to immediately cancel any further service from XXXX However I can not get on to Cancel their terrible service. What will I do because I have a Freeze on my Credit report and can't even contact them to remove freeze. 
Right now all three Credit bureaus should Have a Block on Credit Card ending in XXXX please help 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 explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I disputed this company setting me up for a promotion that I never agreed to. Per the company I had not choice and this is something that they do for all accounts when they set accounts up. This is not a lawful action without the consent of the consumer. I have multiple cards that offered that promotion and all I had to agree to the terms by either a physical signature or a verbal recorded authorization. I never agreed to this promotion and if I did I would like for Synchrony Bank to provided the documentation with my physical signature or a recorded line with me agreeing to this promotion at the time that the card was applied for. A eSig can be completed by anyone and is not a valid signature if the consumer is not the one completing the application and can not see terms of the card or anything. 
If this can not be provided and my issue being corrected, I will take this matter higher as I would never agree to a 6 month same as cash promo. It only leads to greater debt and after contacting Synchrony as well as filed a complaint to get this corrected with no resolve, I am trying XXXX more time to give them the opportunity to correct this matter. This company can not just sign people up because they offer a promotion. A consumer has to give permission ( physical signature or recorded verbal ) to be signed up for such thing

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 2025-02-13 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: WI

Complaint narrative:
information is not mine and from a whole different state and person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: WI

Complaint narrative:
information is not mine and from a whole different state and person

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 2025-02-13 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: WI

Complaint narrative:
information is not mine and from a whole different state and person

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 2025-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries appearing on my credit report, XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-13 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: RI

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per XXXX XXXX, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-13 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-13 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Back in XXXX, I made my payment on XXXX, it was due on XXXX, then 2 weeks after I made my payment and was taken out of my checking account, I received notification that I did not make my payment and was charged a late fee. I called and provided them proof of payment before the due date. They stated there was an " outage '' ( I believe they had a security breech, not an outage, but no evidence ) and the problem would be fixed. They fixed the problem with payments, however I had XXXX graduation rewards and I should have received my XXXX in XXXX. This means I would have received an increase in credit or decrease in interest amounts. My graduation rewards in XXXX showed XXXX of XXXX, instead of XXXX of XXXX. As of today, XXXX, it's still showing XXXX of XXXX. I've contacted the credit card company multiple times and they keep telling me " they are working on it ''. I know for a fact that these type of technical problems do not take a month to fix. I have reported them to the XXXX  and they have not responded. I have emailed them and they continue to give me the same reply of " we are working on it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
There are many negative items that are incorrect. Can they all be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a letter from DISCOVER XXXX XXXX XXXX, XXXX XXXX, OH XXXX. 
Dated on XXXX XXXX. 
Stating the following : " We have closed the account reference above because we were unable to verify Personal information on your account. We will report to the credit bureaus that the account was closed by creditor ''. 
I called DISCOVER on XXXX XXXX I was transferred to 7 different customers service Reps. ending up with the higher lever Management on the phone. 
I found this action very awkward since I have been using this card since XXXX. 
They said they have been sending me emails requiring my identity by providing my signature. These emails went to my Junk folder since they looked suspicious to me, I was afraid of being scammed or my personal information being stolen. I have been making my regular monthly payments on time. 
Since I didn't respond to this procedure they sent me a physical letter stating the account is closed. They failed any other forms of communication to inform me like a simple curtesy letter making me aware that they were tried to reach out to me so they made the detrimental decision to not only close my account and good standard, but ruined my credit score. The only solution that this Management provided was that I have to apply for new car again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX, our mortgage was moved from XXXX to Shellpoint Mortgage. We have consistently paid bi-weekly since the initial creation of the loan. 

Since Shellpoint took the loan over, we are constantly informed that our Mortgage is over {$4500.00} past due, when it is not. 

We call every month to have this addressed and are told a different story each time. 

In XX/XX/XXXX, we were told that we needed to sign some forms to use a bi-weekly payment schedule. We were never told this prior. We also never received the documents. Also, we were asked to call in directly to make these payments. 

We did so going forward, every other Monday. But still the payments were not being processed correctly. 

In XX/XX/XXXX, we called in to make another payment, and also spoke to a " Support Manager ''. They stated they did see where the issues was as a payment was not posted correctly in XX/XX/XXXX. 

They sent us their email to use, but there has been no response back to us, despite numerous follow ups via the email provided.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: WI

Complaint narrative:
The problem account is XXXX XXXX. It's reporting inaccurate information. I've asked Experian to remove these late payments due to Experian failing to investigate the inaccurate reporting on this account. Enclosed is proof that this account is reporting inaccurate information and therefore it's just 1 of the many reasons these late payments were supposed to be deleted. I'm so confused as too why Experian refuse too do what's right. Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful non-compliance, as affirmed in Cushman v. TransUnion Corp, 115 F.3d 220 ( 3rd circuit.1997 ). This complaint is against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently respond with the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal Law.

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 2025-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
Driveway Financial will not respond to my notices to cure an alleged debt. They have also illegally sold my account to an unknown third party. I do not consent to seizure of my property. Cease and desist all attempts to collect a debt, unless you decide to release the lien from my vehicle and pay damages for the fraudulent purchase contract.

Company response to consumer: Closed with explanation