vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX due to their failure to respond to multiple goodwill adjustment requests regarding late payments reported on my credit report. 

I have written XXXXXXXX XXXX three separate times and have called their customer service department twice in an effort to request a goodwill adjustment for the removal of late payment notations. These requests were made respectfully and with the hope that XXXX XXXX would consider my history as a customer and my effort to maintain good financial standing. 

Despite my repeated attempts, XXXXXXXX XXXX has failed to respond to any of my written or verbal correspondence. This complete lack of communication is not only unprofessional but also unfair, as I have made every effort to address the matter directly and amicably. 

I am filing this complaint with the Consumer Financial Protection Bureau due to XXXXXXXX XXXX failure to respond or acknowledge my requests regarding this matter. 

I respectfully ask that the CFPB assist in compelling XXXX XXXX to respond to my goodwill request and review the possibility of removing the reported late payments from my credit history. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX  due to their failure to respond to multiple goodwill adjustment requests regarding late payments reported on my credit report. 

I have written XXXXXXXX XXXX three separate times and have called their customer service department twice in an effort to request a goodwill adjustment for the removal of late payment notations. These requests were made respectfully and with the hope that XXXXXXXX XXXX would consider my history as a customer and my effort to maintain good financial standing. 

Despite my repeated attempts, XXXXXXXX XXXX has failed to respond to any of my written or verbal correspondence. This complete lack of communication is not only unprofessional but also unfair, as I have made every effort to address the matter directly and amicably. 

I am filing this complaint with the Consumer Financial Protection Bureau due to XXXX XXXX failure to respond or acknowledge my requests regarding this matter. 

I respectfully ask that the CFPB assist in compelling XXXXXXXX XXXX to respond to my goodwill request and review the possibility of removing the reported late payments from my credit history. 

Thank you for your time and assistance. 

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 explanation
Consumer complaint received 2025-04-26 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Upon checking my credit report I notice names that are considered me but is not my name. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX As well as these addresses that's on my profile but never been associated with me XXXX ) XXXX XXXX XXXX XXXX PA, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Someone is using my information without consent and causing these non names of mines with these non addresses of mines to show up on my credit report which are also associated with some negative accounts on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
Upon checking my credit report I notice names that are considered me but is not my name. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX As well as these addresses that's on my profile but never been associated with me XXXX ) XXXX XXXX XXXX XXXX PA, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Someone is using my information without consent and causing these non names of mines with these non addresses of mines to show up on my credit report which are also associated with some negative accounts on my credit profile.

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 2025-04-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individuals accounts didnt quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back from some time now. My life has been affected tremendously from this false information, Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/year>, I submitted a fraud dispute to Alliant Credit Union regarding unauthorized transactions on my account, under fraud claim number XXXX. Alliant later denied my claim, stating that the transactions were authorized and that services were provided. However, I did not authorize these transactions, nor did I receive any services in return. 

This decision violates XXXX liability protections for consumers in cases of fraud. I took prompt action to report the unauthorized activity, yet Alliant failed to uphold my rights under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Today, I noticed that some false accounts were listed on my credit report, and I dont understand why. I checked it like I always do, but this time there were unexpected mistakes. I refreshed the browser just in case it was a temporary glitch, but the accounts didnt go away. As a result, Im requesting that the documents I submitted be carefully examined to prevent this from happening 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Sears XXXX and on XX/XX/XXXX thru XX/XX/XXXX someone charges {$490.00} on my Sears card i was in XXXX XXXX when i received a text asking me if i was shopping at XXXX the next day I contacted Sears Citi Bank and said no i haven't used my credit card in years and the balance should be XXXX i filed a fraud that day and told them it was not me so that closed that card and then i received a new card and they carried over the Fraud charges to the new card I contacted them and told them that none of those charges were mine they told me it was under investigation and Security Operations Department said i won't be responsible until the investigation was done but every month i have a balance and i am receiving late charges on a card that i did not do which is ruining my credit scores and i am very upset if filled police report, FTC, XXXX Consumer Affairs XXXX XXXX XXXX XXXXXXXX XXXX this not acceptable every time i call sears the people are extremely rude and they keep telling me it's still under investigation i did receive one letter that sears said we have found some suspicious activity on your card that was XXXX XXXX but as of now nothing and charges on my credit card that i did not do is up to {$620.00} after the Security Operations department told me this would not happen while it was under investigation

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
At some point in the past few months SYnchrony and XXXX colluded to change their promotional rate to a few rate. Was not made aware of that change. I noticed a few months ago. Synchrony 's website does not provide a differentiation between promotional balance due and minimum balance due. I have asked repeatedly and through multiple exhanges that there has to be a " balance due which includes any interest bearing amounts they have changed in the past. I was charged over the past few months 30 % APR and had them amend their practice. I paid what i thought was the full balance but their statement was inaccurate and i was now charged XXXX. I have an XXXX XXXX, XXXX and XXXX XXXX and EACH of those cards stipulate the amount to AVOID INTEREST. Synchronies practices PRAY on the weak and my guess are doing this to XXXX of users to garner fraudelently HIGH interest charges. This needs to change and their practice needs to be FIXED. Their representatives lie when speaking to them " SIR we can't change this charge ''. They absolutely can make amendments they chose not to. Both their rates and their utter lack of transparency has to be fixed and investigated.

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 2025-04-26 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: OH

Complaint narrative:
I am submitting this as a follow-up to my original complaint regarding XXXX XXXX XXXX XXXX In that complaint, I made a lawful request for validation of the account in question. Specifically, I asked the company to provide a copy of the original contract bearing my wet signature or a valid electronic signature. This is a right granted to me under both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ).

Rather than providing the documentation or verifying the debt as required by law, the company responded by sending me a cease and desist letter. I believe this was intended to intimidate me and deter me from asserting my consumer rights. This response appears to be retaliatory in nature and may violate consumer protection statutes that prohibit unfair and deceptive practices. The companys response fails to address the original dispute and instead attempts to suppress a lawful inquiry using legal threats. I respectfully request the CFPB to take note of this behavior, as it undermines the spirit of consumer protection laws and discourages individuals from exercising their legal rights. 

The account from XXXX XXXX XXXX is not verifiable and should be removed under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Please investigate and delete this item if it can not be verified within 30 days, as required by law. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-26 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: FL

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
There's a collection item from NCB management on my credit report. The last XXXX digits on the account number is XXXX. I believe there's something unscrupulous with this company and the companies that are associated with it. 

I've tried to contact NCB management to no avail. I was then contacted by XXXX asset solutions which said to be representing NCB management. They took my routing and account number and took a payment as a settlement but, then never sent agreement information or update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There's a collection item from XXXX XXXX  on my credit report. The last 4 digits on the account number is XXXX. I believe there's something unscrupulous with this company and the companies that are associated with it. 

I've tried to contact XXXX XXXX to no avail. I was then contacted by XXXX XXXX XXXX  which said to be representing XXXX XXXX. They took my routing and account number and took a payment as a settlement but, then never sent agreement information or update my credit report.

Company response to consumer: Closed with non-monetary relief