vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I checked my current Experian credit report : XXXX. My personal information is incorrect and wrong. I ask that this information be corrected immediately. The incorrect names listed on my credit report are : XXXX XXXX XXXX Name ID # XXXX ; XXXX XXXX Name ID # XXXX ; XXXX XXXX Name ID # XXXX ; XXXX XXXX XXXX Name ID # XXXX ; XXXX XXXX XXXX Name ID # XXXX ; XXXX XXXX XXXX Name ID # XXXX. Incorrect phone numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX. Please DELETE all these inaccurate names and phone numbers immediately. My only name is XXXX XXXX XXXX XXXX and this is the only name that should be on 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and this account do not belong to me. This account was previously removed from my credit profile and Equifax reinserted the account back onto my profile without notifying me of the reinsertion of this fraudulent account before they reinserted the fraudulent account.I was also a victim of the EQUIFAX DATA BREACH my engagement number is XXXX I also provided a fraud affidavit and Equifax is in violation of my CONSUMER RIGHTS and this account do not belong to me. 
This is grounds for removal also violates my rights under XXXX XXXX XXXX section XXXX A states I have the right to privacy. XXXX XXXX XXXX XXXX A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions, also the credit agency took more than 30 days to complete investigation. XXXX XXXX XXXX This account should not be furnished on my consumer as it is in VIOLATION!!!!!! XXXX XXXX XXXX permissible purposes of consumer reports ( A ) IN GENERAL subject to subsection ( c ) XXXX any consumer reporting agency may furnish a consumer report under the following and circumstances and no other, ( XXXX ) In accordance with written instruction of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. Per XXXX XXXX XXXX XXXX XXXX and remove XXXX XXXX XXXX XXXX XXXX XXXX ) this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

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 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 

XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation This is the account below that are inaccurate. 

XXXX XXXX XXXX Account Number : XXXX ( as shown XXXX XXXX XXXX Account for XXXX XXXX XXXX Date opened : XX/XX/year> Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
XXXX XXXX reported that I was 90 days delinquent on my payments. This dropped my credit score around XXXX points. XXXX acknowledged their mistake and they corrected it and reported it to the credit reporting agencies. My credit score only went up XXXX points after removing the incorrect information. This is criminal. Its disgusting how Americans are being abused and exploited. I know the whole thing is a scam and all part of a system to keep people poor. But my credit was Good and now its ruined because of someones mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make inquiries nor to view my consumer report. In addition, I did not permission to furnish such inaccurate information. This is a clear violation of FCRA section 1681b ( c ) which constitutes as fraud & breach of my private information. FCRA Section 605B Block information resulting in identity theft must be complied for Consumer Reporting Agencies. Deletes ; Accounts : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 2025-04-09 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
In XXXX, I leased a new vehicle through Ally Bank. In XX/XX/XXXX, I chose to buy out the lease, and the resulting loan included the vehicle sales tax, which Ally was responsible for paying directly to the Rhode Island DMV. The amount of the sales tax $ XXXX clearly listed under Official fees paid to government agencies in the signed loan documents and included in the total amount financed through Ally. 

On XX/XX/XXXX, I received a call from the DMV informing me that the vehicle sales tax had never been paid. This was the first time I became aware of the issue. I immediately contacted Ally Bank and was informed that they do not pay taxes and registration fees in Rhode Island, even though those fees were factored into my final loan payoff. 

This contradicts what I was led to believe at the time of the transaction. I was never notified that I would be responsible for remitting the tax directly, despite it being included in the financed amount and documented in writing. 
I followed up with the Rhode Island DMV and the Rhode Island Attorney Generals Office, who advised me to escalate this matter to the Consumer Financial Protection Bureau. Allys failure to remit the {$1800.00} in sales tax as part of the loan agreement has disrupted my registration process and exposed me to additional costs and legal risks.

I have requested clarification and documentation from Ally, but they have not resolved the issue or accepted responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : ( List accounts ) XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-09 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-09 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I read on XXXX that it was possible to get accelerated, immediate entry into Bank of America 's XXXX XXXX preferred rewards if I called an agent at XXXX and deposited $ XXXX. Otherwise the program requires a XXXX  month wait which I did not want to do. 

BEFORE DEPOSITING funds, I spoke with XXXX XXXX at XXXX XXXX XXXX and he ASSURED ME if I deposited the $ XXXX, he would help me get XXXX XXXX right away. In reliance on that promise, I deposited $ XXXX and then Bank of America 's usual runaround and lack of follow through on promises began. 

First, I spent an entire day being told my wire transfer would be bounced, which ultimately it was not but only after I wasted many hours on dealing with it. In fact, my wire transfer of $ XXXX went into the account just fine. Then I tried to call XXXX to follow up and he " disappeared. '' Was always out of the office or " unable to take my call. '' So I escalated to a supervisor who ALSO assured me he would take care of it. XXXX XXXX. But XXXX and behold when I called preferred rewards, they had no record of any of it. More hours wasted on the phone with no result. 

Finally, I chatted in and was told actually the rules just changed and this is no longer possible. I asked for an exception be made given the promises made to me and NOTHING HAS HAPPENED. It's unbelievable how this bank treats its customers. More runaround and excuses but no action. This is fraud in the inducement to get someone to put their money based on false promises. 

This all led me to postpone a large purchase hoping they were going to follow through, and I lost again as they apparently use the " posted '' date that was delayed of XXXX instead of the transaction date of XX/XX/year> so I lose even MORE rewards.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted XXXX customer support through their in-app chat to formally revoke authorization for any future withdrawals from my bank account ending in XXXX and debit card ending in XXXX, associated with my Dave account XXXX $ XXXX. 

I clearly cited my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ) and Regulation E ( 12 CFR 1005.10 ), which give consumers the absolute right to revoke authorization for preauthorized electronic fund transfers at any time, regardless of account status or unpaid balances. 

Despite quoting the law directly and explaining the legal consequences of continuing to debit my account without consent, the Dave agent refused to honor my revocation and insisted that I must settle a balance before I can remove my payment methods. This is incorrect and unlawful under federal law.

I am concerned that Dave may attempt an unauthorized debit from my external accounts in direct violation of federal consumer protections.

I have attached a screenshot of the entire support conversation as evidence of Dave 's refusal to comply with my revocation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The account was chargeoff earlier this year. Since then the dates of last activity have been inconsistent update. On Experian XXXX  XXXX XX/XX/year> the date last active is listed while on TransUnion its XX/XX/year> if the information is source from the original creditors these dates should be consistent.due to theses discrepancies the accuracy of these account can not be guaranteed and they are deemed 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