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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-01 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-01 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: FL

Complaint narrative:
On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX  and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXXXXXX XXXX payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me.

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( XXXX is still processing ), and they said I was still late. 

Shellpoint customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.

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 2025-01-01 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: FL

Complaint narrative:
On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXX 's payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me. 

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( Equifax is still processing ), and they said I was still late. 

XXXX  customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.

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

Complaint narrative:
On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXXXXXX XXXX payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me. 

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( XXXX is still processing ), and they said I was still late. 

XXXX  customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.

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 2025-01-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> I call my credit card company to put in a dispute charges on my credit card. The charges were for round trip airline tickets I purchased on the XXXX of XXXX of 2024. The credit card company was able to get the money back on my card which I was very grateful for. 
Fast forward to XX/XX/year> I got mail from my credit card company indicating that charges are put back on my card because they have information from the airline that said I never showed for my flight or attempted to cancel which is completely false. Because I did call to cancel but I was told that they couldnt cancel it and I was never given a clear answer why. This issue has put me in a great financial strain and I just lost my job.

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 2025-01-01 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$470.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Also Known As : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 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, I WAS PRE APPROVED ON ONE CAR LOAN FOR XXXX XXXX  ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.

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 2025-01-01 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 AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 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 I WAS PRE APPROVED ON ONE CAR LOAN FOR XXXX XXXX ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account ending in XXXX The above account was reported a collection/charge off and is affecting my credit score negatively. The reporting of this account is incorrect as I see a balance after it was considered a charge off. I urge you the agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows a charge off? Im pretty sure you know it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

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 2025-01-01 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am a cardholder of the Citi XXXX XXXX  XXXX, which has a {$590.00} annual fee. In return for the annual fee, one of the card benefits is a {$10.00} statement credit at the end of each statement period in which {$10.00} or more of XXXX was purchased. I am missing the {$10.00} credit for the following two statement periods : ( XXXX ) XXXX XXXX XXXX and ( XXXX ) XXXX XXXX XXXX. When I reached out to the company, they confirmed that my card was eligible for the XXXX credit benefit but that they were having computer issues. When I pointed out that the credits are 3 months and 2 months late, respectively, and requested the benefit to be manually credited, the customer service agent refused. Citi is defrauding consumers by withholding the promised benefits for which they have charged a {$590.00} annual fee.

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 2025-01-01 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-01 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: FL

Complaint narrative:
I checked my credit report on date XX/XX/, and noticed my XXXX XXXX  account and my XXXX XXXX account indicated late payments for several months which was incorrect. I've tried to mail a letter directly to all 3 credit bureaus explaining this and was unsuccessful with getting this resolved.

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 2025-01-01 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: VA

Complaint narrative:
there is a fraudulent auto loan being reported to my consumer report XXXX XXXX XXXX Account XXXX : XXXX under the FCRA 1681i ( a ) ( 5 ) - Duty to Correct or delete inaccurate information Experian is in violation I have also included FTC identity theft 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 explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
ACCOUNT ENDING IN XXXX The above account was reported a collection/charge off and is affecting my credit score negatively. The reporting of this account is incorrect as I see a balance after it was considered a charge off. I urge you the agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows a charge off? Im pretty sure you know it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

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

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My American Express credit cards were charged over {$80.00} by a company called nyc pedicabs Those are unauthorized charges because company was suppose to deliver the products first than do the charges yet nyc pedicabs charged my cards in advance without authorization and never delivered the products ( XXXX XXXX XXXX XXXX ) However company owner disappeared and left the country. 

I ended up being liable for charges even made some payment to American Express meaning that while I lost my credibility and cash money as well since I had to make payments for this credit accounts. 

My company XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I saw a collection i was unfamiliar with under XXXX XXXX XXXX XXXX. I contacted them to ask who the original creditor was, after i filed a dispute with XXXX XXXX through XXXX XXXX on XX/XX/year>. The account referenced was with Vystar CU, one that was closed due to fraud and i never received anything stating i ever owed a balance from the bank. I requested a formal validation of debt on XX/XX/year> from collection agency XXXX XXXX XXXX XXXX. I did not receive anything stating validation via email or paper mail within XXXX days ( according to XXXX regulation XXXX validation should be received within 5 days of initial contact or verbally during contact ) and still now that it has been almost 30 days. Im requesting this collection be removed from all XXXX credit bureaus due to no validation of debt received proving i owe any balance. Besides call i made for validation, no emails or letters have been received from this collection agency and no record of my call transcript was ever emailed 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 explanation