vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to formally request an investigation regarding the Equifax data breach that occurred, which exposed the personal and financial information of approximately XXXX XXXX individuals, including mine. As an affected individual, I am deeply concerned about the ongoing negative impact this breach has had on my financial standing and credit profile. 

Since this breach, I have experienced several negative consequences, including but not limited to : Potential Identity Theft : Unauthorized activity has been flagged on my financial accounts, which I believe is a direct result of the breach.

Negative Credit Score Impact : My credit score has been negatively affected due to erroneous or fraudulent entries on my credit report, which I believe stemmed from the exposed data.

Emotional Distress : The fear of financial instability and the ongoing need to monitor my credit and identity have caused significant stress.

Equifax failed in its responsibility to safeguard consumers ' data, which violates several consumer protection laws and regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). Furthermore, I believe Equifax failed to provide adequate remedies to fully address the harm caused to affected consumers like me.

I am requesting the CFPB to : Investigate Equifax 's Actions : Ensure that they complied with all legal requirements related to data security and consumer protection.

Monitor Remedies : Ensure Equifax is held accountable for adequately compensating affected individuals and providing ongoing credit monitoring and identity restoration services.

Facilitate Resolution : Address the errors on my credit report and work with Equifax to provide a resolution that restores my credit score and financial standing.

This matter requires immediate attention to ensure that consumers are protected from future harm. I am attaching all relevant documentation, including evidence of my inclusion in the breach, credit reports, and records of any unauthorized activity.

Thank you for your time and attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 I 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. XXXXXXXX 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 2025-01-27 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: NJ

Complaint narrative:
Unauthorized items on my credit report have appeared due to the fraudulent use of my personal information, and I have never benefited from these transactions in any way. Recognizing the gravity of this issue, I promptly filed a report with the Federal Trade Commission in hopes of resolving the matter. However, despite taking the necessary steps and reporting this fraudulent activity, these items persist on my credit report. 
This situation has become deeply frustrating, as I continue to bear the consequences of someone elses misuse of my information. I am urgently requesting the removal of these fraudulent entries from my credit report. It is unacceptable that these unauthorized items remain, negatively impacting my financial standing.

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 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: TN

Complaint narrative:
I originally made Equifax and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Equifax should have blocked and removed these items no later than 4 business days after receiving the required information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me, along with proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Equifax is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX  of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 
XXXX. XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I am writing to formally express our deep concerns regarding the pricing analysis and subsequent pricing adjustments that occurred following the transition from XXXX XXXX pricing to the XXXX XXXX XXXX XXXX XXXX conducted a pricing analysis on XX/XX/XXXX, in collaboration with Citizens Bank, comparing the XXXX models. We were led to believe that XXXX XXXX XXXX was structured similarly to XXXX XXXX. 

Following our amendment signature date on XX/XX/XXXX, we have observed a significant and unexpected increase in processing costs, ranging betweeXXXX XXXX XXXX XXXXXXXX %, resulting in an estimated additional expense of approximately {$80000.00} across more than XXXX properties. This increase has caused financial strain on our operations and raises serious concerns about the accuracy and transparency of the pricing model presented to us. 

Since discovering these discrepancies, we have made multiple attempts to seek clarification and obtain a detailed pricing breakdown. Despite repeated follow-ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, we have not been provided with a clear comparative analysis between Interchange Plus and Simple Change Pricing. Furthermore, we have been denied the option to revert to our previous pricing model, despite our reasonable request for transparency and fairness in pricing. 

Given the financial impact and the lack of responsiveness to our concerns, we request the following actions be taken immediately : -A comprehensive and transparent breakdown comparing XXXX XXXX pricing with XXXX XXXX XXXX  including all applicable fees and cost implications. 

-A thorough explanation as to why the cost increase occurred despite assurances of similarity between the XXXX models. 

-The ability to revert to our previous XXXX XXXX pricing model if it is determined that the XXXX XXXX XXXX XXXX XXXXs less cost-effective. 

-A formal response addressing our concerns We appreciate your prompt attention to this matter and expect a transparent resolution. Please confirm receipt of this letter and provide a response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear XXXX, XXXX, AND TRANSUNION ], I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above.

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter.

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Rights Reserved

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 2025-01-27 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: WA

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear XXXX, EXPERIAN, AND XXXX ], I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above.

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter.

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX UCC XXXX All Rights Reserved

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 2025-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been leasing my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Minnesota. My lease was ending on XX/XX/XXXX. The lease was managed by US Bank. On XX/XX/XXXX, I went to XXXX XXXX to purchase the vehicle I have been leasing. The agreed upon vehicle purchase price after purchasing extended warranty was {$30000.00}. This was financed through XXXX XXXX XXXX. I put {$1000.00} down on this loan. XXXX XXXX agreed to pay off the US Bank loan. 

On XX/XX/XXXX, I received a notice from US Bank that I would be incurring a {$25.00} late fee for not paying my loan on time. I called XXXX XXXX and asked when they would be closing the US Bank loan and they responded saying it would be done in a few days. No exact date was given. When I received my US Bank statement on XX/XX/XXXX, I had incurred a {$25.00} late fee and the account was still open. I paid that month 's amount due of {$520.00} On XX/XX/XXXX, I looked to see if my account with US Bank was still open and it was with a payment due on XX/XX/XXXX. I paid the amount due ( {$520.00} ) and the last month 's late fee of {$25.00} to avoid additional late fees. I called XXXX XXXX again that day and asked for an update. They responded on XX/XX/XXXX stating that none of the documents had been submitted due to an office error and they were submitting them now. This did not seem like it would have been noticed had I not asked. 

It is currently XX/XX/XXXX and the US Bank account is still open. Another payment is due on XX/XX/XXXX. This was supposed to be closed before my due date on XX/XX/XXXX, and it is still open after multiple calls to 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 monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-01-27 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: NJ

Complaint narrative:
Experian NEVER received my written permission to report the XXXX XXXX XXXX XXXX account, which means they are already violating 15 USC 1681b ( 2 ) by reporting this account without my written authorization. But it doesnt stop there. Experians failure to ensure accurate reporting also violates 15 USC 1681e ( b ), which explicitly requires credit reporting agencies to maintain maximum possible accuracy in the information they report. This negligence demonstrates complete disregard for federal law and my rights as a consumer. Despite multiple disputes regarding this account, Experian has willfully refused to remove it, which constitutes repeated violations of 15 USC 1681n and 15 USC 1681o. These actions demonstrate both willful and negligent noncompliance with the Fair Credit Reporting Act. By continuing to report this inaccurate information, Experian is knowingly disregarding federal law, which exposes them to liability for damages of at least {$1000.00} per violation, plus additional punitive damages for willful misconduct. This unresolved account has caused severe harm to me, including emotional distress, damage to my reputation, and financial loss. I demand immediate removal of this account from my credit report. Experian must confirm this action in writing and provide an updated report without delay. Failure to resolve this matter will result in further legal and regulatory action. I trust the CFPB will take appropriate action to ensure Experian complies with federal law and ceases these harmful practices immediately.

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 2025-01-27 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: NE

Complaint narrative:
I am filing this report due to these incorrect and fraudulent accounts that are on my credit report. I am having issues on my credit report with these accounts. Under the FCRA law these accounts needs to be removed from my account. I am including the identity theft report as well as proof. Please remove these accounts from my report. There are the hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And the collections that needs to be removed are XXXXXXXX XXXX XXXXXXXX XXXX, {$4700.00} and XXXXXXXX XXXX XXXXXXXX {$4400.00}

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 2025-01-27 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: NE

Complaint narrative:
I am filing this report due to these incorrect and fraudulent accounts that are on my credit report. I am having issues on my credit report with these accounts. Under the FCRA law these accounts needs to be removed from my account. I am including the identity theft report as well as proof. Please remove these accounts from my report. There are the hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And the collections that needs to be removed are XXXX XXXX XXXXXXXX XXXX, {$4700.00} and XXXXXXXX XXXX XXXXXXXX {$4400.00}

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 2025-01-27 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: CA

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 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