vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: OH

Complaint narrative:
I am writing to formally dispute the reporting of this account, which was closed on XX/XX/XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). The details of the account in question are as follows : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$4200.00} Credit Limit : {$3500.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I noticed that it inaccurately indicates I am using 122 % of my account 's limit, despite the account being closed. This misrepresentation of my credit utilization is misleading and does not reflect the actual status of my account. My payment history indicates no late payments ( XXXX ), and the remarks state that the account was charged off as bad debt. It also notes that this dispute was resolved and reported by the grantor. However, the reported balance of {$4200.00} does not align with the fact that the account is closed and should not reflect any past due amount. Under Section 609 of the FCRA, I have the right to dispute inaccurate information on my credit report, and I am requesting that you conduct a thorough investigation into this matter. If this information can not be verified, I expect it to be removed or corrected promptly in accordance with CFPB regulations.

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 2025-01-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

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 2025-01-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

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 2025-01-13 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:
Equifax is reporting duplicate accounts with the same account number from the same creditor both have inaccurate information that has been altered as i have proof of before and after the alterations. The altering in information has hurt my credit score and eligibility to pursue credit. And since its a duplicate account it has hurt me two times over. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Self Financial Inc.
State: VA

Complaint narrative:
c/o Lead Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention XXXX XXXX XXXX XXXXXXXX XXXX Enclosed & Attached- Lead Bank/Self Annotated Member Agreement- Please Address Each Section Highlighted Exhibits Of Late Payments From XXXX XXXX & XXXX XXXX XXXX XXXX Power of Attorney Document Self Support Case XXXX, XXXX, XXXX, XXXX, & XXXX Page XXXX Under Lead Card Member Agreement Under Subsection Governing Law : This Agreement is governed by the laws of the State of Missouri, except that the Waiver of Jury Trial and Arbitration Agreement is governed by the Federal Arbitration Act ( " FAA '' ), 9 U.S.C. 1-9. If any provision of this Agreement is held unenforceable, including any provision of the Waiver of Jury Trial and Arbitration Agreement, the remainder of this Agreement will remain in full force and effect. 

The specific late payment in question, which is reflected in my account records, does not comply with the prescribed timelines for processing payments under the law. I request that you promptly review the relevant records and adjust the principal, XXXX XXXX payment history accordingly to reflect accurate and lawful reporting PER Federal Law 15 U.S.SC. 1666b. Opt Out : Per Federal Law, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, XXXX XXXX XXXXAuthorized Representative here on behalf of /principal. I Herbey XXXX : XXXX accepts all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct you to apply the Principals Balance to Principals Account Number : XXXX + Account Number : XXXX Account # : XXXX - Loan # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Report Information Dear Experian Dispute Department, I am writing to dispute inaccuracies on my credit report, which I have previously brought to your attention without satisfactory resolution. The errors on my report remain unresolved despite your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to ensure the accuracy and completeness of consumer reports. 

The issues include : XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am deeply concerned that my experience mirrors the systemic issues identified in the recent CFPB lawsuit against Experian ( XXXX XXXX XXXXXXXX ). Specifically : Experian has failed to reasonably reinvestigate disputes or provide clear results, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Consumer-submitted documentation was ignored or improperly conveyed to furnishers, as highlighted in the CFPBs findings.

Notices of reinvestigation results are incomplete, ambiguous, and fail to identify specific updates or deletions, leaving consumers in the dark.

As a result, I am left with an inaccurate credit report that unfairly damages my financial standing and access to credit.

Requested Action : 1. Conduct a thorough reinvestigation of the disputed items and forward all relevant information, including my documentation, to the furnishers.

2. Remove or correct any inaccurate or incomplete information.

3. Provide a detailed written explanation of the investigation results, including the specific changes made or reasons for denial.

Failure to comply with your obligations under the FCRA will leave me no choice but to escalate this matter by filing complaints with the CFPB and other regulatory authorities. 

I expect a written response within 30 days, as mandated by federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: DISCOVER BANK
State: PA

Complaint narrative:
Identify theft discover bank someone used my personal information to obtain a credit card from discover bank I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
Asked for a copy of my contract from vehicle, never came in mail, never received email copy, didn't receive the right to rescission, or the right to redress the contract a s well as 15 USC 1615 when dealing with unearned Interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! XXXX XXXX is showing XXXX missed payments/late payments via TRANSUNION ( XXXX XXXX, XXXX ) while XXXX XXXX is showing XXXX missed payments/late payments via 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 non-monetary relief
Consumer complaint received 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I Contacted the creditor and asked for the method of verification I asked for all the documents they retrieved during the investigation that will prove the information on my credit is reporting accurately. I asked them to provide it within XXXX days and if they can't they must delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received an email on XX/XX/year> stating that my account balance was below the limit I set. Moments after viewing it I reviewed my account and found XXXX ATM withdrawals from various locations. There was a {$1000.00} withdrawal on the XXXX, XXXX, and XXXX. Along with a {$520.00}, {$1000.00}, and {$950.00} dollar withdrawal that were pending at the time. I immediately called Chase and they closed my card, requested a pin change, and told me that they would be conducting an investigation and I would get money back in XXXX business days. I later saw that the first XXXX {$1000.00} withdrawals ( XXXX XXXX and XXXX ) withdrawals were reversed, however the XXXX ( {$520.00}, {$1000.00} and {$950.00} ) that were no longer pending were not reversed. I waited a few more days as they had said to not call back before calling today, where they told me that the withdrawals were not reversed because they were " processed according to the information you provided or was authorized ''. Even though they were not my transactions, and to my knowledge, no different from the first XXXX fraudulent transactions that were reversed. On the call they stated if I wanted to further dispute the charges, I would have to get in touch with the vendors of the merchants directly as they weren't chase ATMs, but the only information I have regarding these merchants is a few letters and numbers, not enough for me to figure out where they even are. I want to clarify that I don't even know how to do an ATM withdrawal, I've never used one in my life, and I almost exclusively use XXXX XXXX for my in-person purchases. My card was also always in my possession up to the point of the initial call, I then cut up the card and threw it away knowing it was cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : 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 non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Please remove these hard inquires from my credit report as I did not give permission for them to 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 non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Please remove these hard inquires from my credit report as I did not give permission for them to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I Contacted the creditor and asked for the method of verification I asked for all the documents they retrieved during the investigation that will prove the information on my credit is reporting accurately. I asked them to provide it within XXXX days and if they can't they must delete it

Company response to consumer: Closed with explanation