vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against Experian regarding my Personal, Confidential information on my report showing inaccurate information about XXXX account that is late. If you look at all my accounts on my report none of them show any late payments. This information needs to be updated to show the correct number as XXXX. 

I tried to call over the phone to have this matter fixed you can't get in touch with any representatives. The automated system says that it can't get me in touch with an agent. Can I help you with something else? Also I'm uploading my whole credit report showing the inaccurate information circled in red. 



I would appreciate your assistance in resolving this matter and ensuring that Experian adheres to fair practices in credit reporting. 

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

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 2024-09-18 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 in complete disbelief, there are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report. This is causing me tremendous anxiety.

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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card was paid XXXX $ on XX/XX/XXXX from a total fund of XXXX $ being available on my checking account. Although funds were available my money was returned due to insufficient funds on XX/XX/XXXX generating a late fee of XXXX XXXX The same thing happened with another credit card payment of XXXX $ and now late fees are XXXX $ although funds have been available on the day of payment ( XX/XX/XXXX returned XX/XX/XXXX ) and another credit card payment of XXXX $ on XX/XX/XXXX returned XX/XX/XXXX generating another late fee of XXXX $ with a total sum of over XXXX $ of late payments only for this month. There was no legitimate reason for these payments to be returned since I had funds of XXXX $ on XX/XX/XXXX. Calling the bank only resulted in me being humiliated by the banks customer service staff members.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX HAS FALSIFIED REPORTING REGARDING XXXX I DO NOT HAVE AN ARRANGEMENT OR CONNECTION WITH THIS COMPANY.

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 2024-09-19 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: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
There is information in my file, stated below, that I have identified as information that resulted from identity theft. 

In XX/XX/XXXX, pursuant to XXXX XXXX police report, case number XXXX, I was a victim of identity theft when my wallet, drivers license, social security card and credit cards were stolen and these items were used over XXXX times by different parties to commit fraud. 

On XX/XX/XXXX, I was a victim of identity theft when a female impersonating me shoplifted items from a XXXX XXXX in XXXX XXXX, Maryland. I received a summons to appear in court to answer charges of XXXX XXXX. Upon investigation, I learned that that my information was made available in an identity theft ring that spanned across the united states and that there were multiple copies of my drivers license and actual social security card that was made available to multiple identity thieves across the U.S. I was able to get the criminal case number XXXX filed by the XXXX XXXX XXXX Police Department expunged due to the theft of my identity. 

On or about XX/XX/XXXX, XXXX announced that an unauthorized party stole data associated with certain user accounts in XX/XX/XXXX. It was then that I learned that my personal information was made available to third-parties and actually being sold on the internet. The number of times criminals used my personal information to commit identity fraud and open fraudulent credit accounts and apply for loans and other benefits is too many to count. Even though I have taken all of the security precautions after having my identity stolen multiple times, thieves continue to use or sell my data, which affects me to this day. 


XXXX XXXX XXXX, XXXX - XXXX XXXX - Date Opened XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX - XXXX Bankruptcy XXXX XXXX XXXX Reference Number : XXXX Date : XX/XX/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 2024-09-18 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: TN

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Workforce Solutions. ATTN : Dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX is listed as an employer. I have never worked for this company, I am therefore writing to request full validation of this employer as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation including copies of any documentation associated with this company which bear my signature. In the absence of such documentation, I request that this employer be permanently removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
for the past few weeks, I have been getting equifax to remove XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report because both are showing false information. the balances are incorrect. I do not have two XXXX XXXX  accounts and the XXXX XXXX XXXX account is reporting falsely on my credit report as well. everytime I check, the disputes are finished with the accounts still on there. I have been a victim of fraud and identity theft according to the IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have in the past months attempted to reach out XXXX in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Despite providing all necessary documentation and repeatedly communicating with Penfed  representatives, PenFed added Incorrect charge ( CPI ), inflated my monthly payment and when I didn't agree with their assessment, they continued to add fees, send bad report to Credit Bureaus repeatedly damaging my credit. The details are listed below : Incorrect CPI Charges and Late Fees : PenFed  wrongfully added Collateral Protection Insurance ( CPI ) charges to my account due to an alleged lapse in coverage, which has already been disproven by the timely submission of my insurance documents. These incorrect charges led to inflated payment amounts and late fees, which I do not owe. 

Failure to Update Account After Refund Issued : Although I was informed that a refund was issued several days ago, PenFed has yet to adjust my account balance or payment amount. I continue to be charged inflated payments due to this delay, resulting in further financial stress. 

Negative Credit Reporting : PenFed has been sending erroneous credit reporting for more than 8 times to Credit Bureaus. Their representatives have stated that negative credit reporting and late fees will continue until the refund is processed from their Insurance Provider ( For the Incorrect charges they added on my account ). This is unacceptable, as I have met all my obligations. Incorrectly reporting my account as delinquent is a violation of the Fair Credit Reporting Act and has already caused harm to my credit score.

Lack of Resolution : Despite their representatives confirmation, including XXXX XXXX and XXXX XXXX, acknowledging the errors, there has been no timely resolution. This negligence has caused ongoing financial hardship, and I am being unjustly penalized for mistakes made by PenFed. Until the submission of this letter, my account shows as delinquent even though I am paying the original agreed amount. 
Not only that Penfed has sent me a letter to repossess my vehicle in addition to making this error and lack of action on my account after they have received all the information from me and their Insurance provider.

Recently, they told me they would reverse the fees but my account will remain delinquent until they have received CPI refund from their Insurance. If this CFBP complaint does not result in a resolution as stated below, I will be forced to present my case against penfed through other legal means

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 2024-09-18 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: PA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX  Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,

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 2024-09-18 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: PA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your previous investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please see referenced accounts below : XXXX. XXXX XXXXXXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXX Its on my account twice. 
Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: IA

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 16815-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: IA

Complaint narrative:
accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 16815-2 ( A ) ( 1 ) 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.

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/scrub>XXXX purchase XXXX  football jersey using my PayPal credit card. I dispute because company scam me track # bogus. Called PayPal try dispute it said would. Charge went from pending to applying my account where now Im occurring daily interest on dispute account. Called again they dragging feet said still working on it

Company response to consumer: Closed with explanation