vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I request proof of all my signed transactions of verification it was legally authorized and purchased by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I have been a TD Bank customer since XXXX and these fees are overwhelming. I have paid over 13 late fees, and I dont understand why so many have been charged to my account. I am currently unemployed and struggling to keep up. Please do the right thing, Td bank, and return the hundreds of dollars taken from my account. This money could help me during this difficult time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: NY

Complaint narrative:
With all due respect to Klarna and XXXX XXXX, I was able to get into contact with Klarna again the other day. There has been an outstanding debt with Klarna for two years now that Im trying to take care of. The debt is no fault of mine. I sent proof and made exhaustive efforts to prove myself to Klarna through email. It ended up with them not communicating back to me, ignoring my plea, taking my purchase power away from me and then sending this debt to collections with XXXX, that I just found about just yesterday. Its not fair when Ive been given the run around and providing the necessary effort and proof. I just want things to be in good standing again, especially since Ive been with Klarna for years now and never had issues prior to this. My good history they can attest to and I can even show from the app. Now I reached out to XXXX Associate after a Klarna specialist by the name of XXXX told me that I have to reach out to the debt collector XXXX Associate to tell them to send the debt back to Klarna so they can waive it. XXXX said they arent able to do that since the amount is still in dispute and they I would have to talk to a manager at Klarna so they can fix that because they arent able to return the debt themselves. But fortunately XXXX understood my side of the things and even questioned why Klarna hasnt dropped the debt after this long and after my explanation. Thereafter, I called Klarna. That went no where and they told me to text the apps chat and send screenshots of my conversation with the Klarna specialist. I did that moments later and that brings me to this complaint. The chat agent gave me a email address to message but to no avail and I am attaching everything from todays proof, hoping we can get this fixed for good. Thanks! I also reached out to XXXX XXXX multiple times today and only heard back from them once. The one time was the aforementioned. They are difficult to get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
My account was closed in XXXX  I am considered XXXX and receive XXXX. My credit limit was {$350.00} now they have me as owing over {$2000.00}. They are constantly adding interest and late fees and bringing my credit score down. They won't work with you, do settlements on anything. All they plan on doing is adding more late fees and interest to a close account that has been charged off. This is with XXXX XXXX XXXX credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: CA

Complaint narrative:
I am writing in response to Equifax letter, which stated that " the disputed item is not currently reporting on the Equifax credit file. '' However, this response does not resolve the FCRA 605B ( 15 U.S.C. 1681c-2 ) issue or satisfy my request for permanent deletion of the fraudulent items. 

As previously explained in my dispute, I requested the removal of these inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, which require the deletion of such items once they are confirmed to be inaccurate or fraudulent. 

Your failure to permanently delete these items, despite the ample time youve had to resolve the dispute, is an unnecessary delay tactic. You have already had sufficient time to investigate and correct this issue that have been disputed over many years. Therefore, I am requesting that Equifax delete the fraudulent items from my credit report immediately after receiving this CFPB complaint. Equifax is already past the maximum time allowed under the law to resolve such disputes. 

Per Equifax : the three options are : deleted which means Equifax " have removed it from your credit report and taken steps so it does not reappear '' there isn't a " the disputed item is not currently reporting on the Equifax credit file '' When Equifax states that " the disputed item is not currently reporting on the Equifax credit file, '' the item in dispute is not actively showing up on the credit report at this moment. However, this does not necessarily mean that the item has been deleted or permanently removed from the file- it simply means that the item was temporarily removed or is not being reported at the time, possibly as a result of the CFPB dispute. This response is deceptive tactic to avoid fully resolving the issue, as it doesn't guarantee that the item will or has been deleted or that it won't reappear in the future. The phrase " not currently reporting '' is vague, as it doesn't clarify whether the item will be re-reported or if it has been permanently removed from the credit file. For example, XXXX XXXX was deleted by CFPB complaint and reappeared later only to be removed again. 

Request written confirmation that the disputed items have been permanently DELETED from my credit report and send me an updated copy of my report reflecting the deletion. I expect your prompt attention to this matter and appreciate your immediate action to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Greeting Team, LLC DBA Customer Care Global
State: GA

Complaint narrative:
Started receiving text from XXXX XXXX XXXX about an alleged debt. I have not received anything in the mail regarding this debt, nor has it been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my credit report. The fraudulent accounts are as follows : 1.DEPTEDXXXX  Open date : XX/XX/XXXX, 2. XXXX Open date : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Open date : XXXXXXXX  XXXX Open date : XXXX XXXX, XXXX. XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Open date XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
Hello, I have unauthorized hard credit inquires on my credit report in which I did not authorize I would like them removed, according to the FCRA these unverified and unauthorized items must be removed. Section 605B states it is illegal to report anything on my credit report without my permission. 
- 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Hello, I have unauthorized hard credit inquires on my credit report in which I did not authorize I would like them removed, according to the FCRA these unverified and unauthorized items must be removed. Section 605B states it is illegal to report anything on my credit report without my permission. 
- 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/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 non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
SUBJECT: FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON 
MY CREDIT REPORT

DEAR EQUIFAX
I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY  FINANCIAL WELL-BEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REP[ORTING ACT AND REQUREST A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQIRED BY FEDERALL LAW.
RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUITE AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMERS DISPUTES, CITING"SHAM INVESTIGATIONS"AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFCB, INCLUDE:
CONDUCTING INADEQUATE INVESTIGATIONS THAT FAIL TO ADDRESS CONSUMER DISPUTES PROPERLY. 
REINSERTING PREVIOUSLY DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION.
FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATIONRESULTS EFFECTIVELY.
THESE ALLEGATION HIGHLIGHT SYSEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSIONOF INACCURATE INFORMATION ON CREDIT REPORTS. I AM DEEPLY CONCERNED THAT MY DISPUT MAY BE MISHANDLE IN SIMILAR MATTERS

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 2025-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
SUBJECT: FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON 
MY CREDIT REPORT

DEAR EQUIFAX
I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY  FINANCIAL WELL-BEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REP[ORTING ACT AND REQUREST A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQIRED BY FEDERALL LAW.
RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUITE AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMERS DISPUTES, CITING"SHAM INVESTIGATIONS"AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFCB, INCLUDE:
CONDUCTING INADEQUATE INVESTIGATIONS THAT FAIL TO ADDRESS CONSUMER DISPUTES PROPERLY. 
REINSERTING PREVIOUSLY DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION.
FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATIONRESULTS EFFECTIVELY.
THESE ALLEGATION HIGHLIGHT SYSEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSIONOF INACCURATE INFORMATION ON CREDIT REPORTS. I AM DEEPLY CONCERNED THAT MY DISPUT MAY BE MISHANDLE IN SIMILAR MATTERS

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 2025-03-11 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: TN

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

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

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Yes account not in negative but has been used fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-11 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: NY

Complaint narrative:
There was an information breach by XXXX XXXX and my personal information was accessed illegally.

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 2025-03-11 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: NY

Complaint narrative:
There was an information breach by XXXX XXXX and my personal information was accessed illegally.

Company response to consumer: Closed with explanation