vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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: IL

Complaint narrative:
XXXX of XXXX ( no subject ) XXXX XXXX XXXX XXXX XXXX ( 0 minutes ago ) I am writing to formally file a complaint against Experian for their continued reporting of inaccurate information on my credit report. Despite the successful removal of these items by two other major credit reporting agencies, Experian insists that the information has been verified, which I believe is not possible under the circumstances. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Furthermore, 15 U.S.C. 1681e ( b ) mandates that these agencies establish reasonable procedures to ensure the maximum possible accuracy of the information they report. The fact that two other credit reporting agencies have removed these itemsindicating they could not verify themraises serious concerns regarding Experians compliance with these legal requirements. 

Additionally, the Federal Trade Commission ( FTC ) has established guidelines that require credit reporting agencies to remove unverifiable information from consumer reports. Experians continued reporting of these items, despite their removal by other agencies, suggests a violation of these guidelines and the FCRA.

I am also disputing late payment entries on one of my accounts that I believe to be inaccurate. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are required to provide accurate information and correct or delete any inaccuracies. In line with the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, creditors are prohibited from reporting late payments related to any disputed amounts until the dispute is resolved. Given that the other two credit reporting agencies have corrected this error, it is concerning that Experian has not done the same.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. The continued presence of these errors is causing significant harm to my creditworthiness, and I seek your assistance in resolving this issue promptly. 

I have already submitted the necessary documents, including the FTC report, police report, and all required proof of identity information via mail. Despite this, the issue has persisted for over six months without resolution. I understand that under the FTC guidelines, these items should be removed within three days ( 3 ), and I am requesting that this timeline be enforced.

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 2025-03-05 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. 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 2025-03-05 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: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I hope you're doing well. Im writing because Ive noticed an issue with a XXXX  on my credit report that isnt being reported with the maximum possible accuracy, and I need it corrected immediately. This is a clear violation, and I expect it to be addressed without delay.

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 2025-03-05 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: SC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Click n' Close, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX I am having to write this letter more than XXXX years after the fact regarding a {$590.00} appraisal fee that I paid for and then was reimbursed for XXXX days later by XXXX XXXX XXXX  only to be charged for it at the close of the refinancing. 

Please keep in mind that this has been more than XXXX years since I brought this to your attention and have so multiple times. 

We began the refinancing our mortgage with XXXX XXXX XXXX  in XX/XX/XXXX. I worked with your former agent, XXXX XXXX. In late XXXX during the process, he told me that I would need to order and pay for an appraisal, which I did the next day. On the day of the scheduled appraisal, I took the day off from work and waited all day for the appraiser to meet me at the house. She did not show up and called me the next day to apologize and reschedule. XXXX asked me how the appraisal went and I told him that she didnt show up or call me until the next day. XXXX said he would talk to his regional XXXX XXXX XXXX to see if I could be reimbursed for the cost of the appraisal. The next day he confirmed that I would be reimbursed and four days later I was. 

At the close of the refinance on XX/XX/XXXX while my wife and I were with the public notary reviewing the final loan documents and signing them, I noticed that the {$590.00} appraisal charge was listed on the Final Closing Disclosures. We signed and I called XXXX our agent regarding this. He said it was a mistake and he would talk to XXXX and get us the refund amount. This went nowhere. Never heard anything back. Ive called your customer service department and XXXX XXXX and they all acknowledge that I should not have been charged for the {$590.00} appraisal fee at the close. 

Its been over XXXX years. If I do not receive the {$590.00} appraisal reimbursement within XXXX business days, I am contacting your regulators with this demand letter and your local XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

Additionally, I would like all of the XXXX Closing Disclosures documents that my wife and I initialed and signed. There were multiple documents dating back to late XXXX the through the final dated XX/XX/XXXX. I suspect other closing expenses may have been added or altered. 

I am requesting the {$590.00} reimbursement in ten business days and all closing disclosure documents that we signed throughout the refinancing process in XXXX business days. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Best buy credit card was opened in my name and charges were made to the card. I never applied for any credit cards from Best Buy nor do I shop there. Best Buy has closed the account and are investigating the charges. My identity has been stolen and now I am worried about future attempts to use my information.

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 2025-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: MO

Complaint narrative:
A collections agency bought an old debt and is threatening to sue me for not paying the balance. I have never opened an account with them and did not disclose my personal or financial information to them. When they bought the debt they never sent the letter for me to dispute the debt or request debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I called asking for a full refund of a service I had not known I was getting charged for for the past XXXX  years. I had never verbally or electronically agreed to be a part of the program offered by mycardsecurity.com. The email sent by them confirming I signed up for this program was not from a known or recognizable email and looked suspicious. I called on XX/XX/XXXX to ask for the refund, but they are only offering a few months worth of charges. I can't tell how much they've charged me because my electronic statements from before XXXX have been delisted and I can no longer access them. They've so far sent a refund of {$57.00} and {$83.00} for XXXX accounts, but I'm unsure of how much in total I've lost.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of fraud, a person deposited a check into my account, the bank put the check as available so I used that money and returned the money to the person who deposited the check, then the bank rejected the check but I had already paid that money through an application called XXXX since I assumed that the check was real, now I owe XXXX that money, if the bank had not put that money as available I would never have returned that money

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

The following inaccurate accounts are still being reported : XXXX, account number XXXX, reporting balance of {$880.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$2100.00} ; XXXX XXXX XXXX account number XXXX, reporting balance of {$760.00} ; XXXX XXXX  XXXX account number XXXX, reporting balance of {$1000.00} ; XXXX XXXX, account number XXXX, reporting balance of {$970.00} ; XXXX XXXX XXXXXXXX XXXX account number XXXX, reporting balance of {$1100.00} ; XXXX account number XXXX, reporting balance of {$220.00}. 

Additionally, the following unauthorized inquiries remain on my credit file : XXXX on XX/XX/XXXX, XXXXXXXX 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. 

There are also incorrect personal details tied to my credit profile, including incorrect names and addresses. My report incorrectly lists the name XXXX XXXX XXXX as also known as XXXX, XXXX ; XXXX, XXXX ; and XXXX, XXXX, XXXX. Additionally, my current and previous addresses are incorrect, listing XXXX XXXX XXXX XXXX XXXX, AZ XXXX as my current address, and previous addresses at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. These errors must be immediately corrected.

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 2025-03-05 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I used my Comenity BankXXXX credit card ending in XXXX to buy a camera product from a merchant XXXX XXXX XXXX. The purchase amount on this credit card was for {$3600.00}. I disputed this transaction as i paid by other means. I was instructed by the merchant that this payment would be voided and that a credit would be issued. As i never received this credit i then initiated a credit card dispute with comenity. I provided Comenity with this refund confirmation email, along with a copy of the updated receipt showing later payment for the full amount of {$3600.00} with my other banks debit card. I also provided comenity with a copy of my banking statement showing that I paid for this purchase by other means. I was eventually given a temporary credit by Comenity for the full amount, only for it to re-billed to me months later on XX/XX/XXXX. Due to lack of communication i assumed this was a fraudulent transaction. I even had a replacement credit card mailed out to me ( Comenity card ending in XXXX ). I had to call Comenity to understand what was going on. I received notification that the merchant was simply stating that my documentation was altered. I was given no opportunity to provide a rebuttal. All the merchant had to do was make an egregious claim and that was it. I was rebilled for this amount with no opportunity to challenge it and the merchant gets to keep my money due to Comenitys negligence. When i called the customer service department about this claim on XX/XX/XXXX i was met with an extremely condescending, discriminatory and rude employee who decided to argue with me about being unable to assist me.

Company response to consumer: Closed with explanation