vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both XXXX and Equifax have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where XXXX and Equifax were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the report of this information be blocked and deleted as it is harmful to my credit report. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transactions by me the consumer : ALL FOLLOWING INQUIRIES ARE A RESULT OF IDENTITY THEFT XXXX  = WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax = XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block & delete these transactions from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I have attached a copy of the FTC report as well as my ID etc I look forward to your response. 


Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the report of this information be blocked and deleted as it is harmful to my credit report. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transactions by me the consumer : ALL FOLLOWING INQUIRIES ARE A RESULT OF IDENTITY THEFT XXXX  = WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax = XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block & delete these transactions from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I have attached a copy of the FTC report as well as my ID etc I look forward to your response. 


Thanks

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 2025-03-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX 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 2025-03-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called Citibank regarding the yearly fee ( approximately {$95.00} ) for the XXXX XXXX XXXX. I had XXXX ThankYou points ( approximately {$350.00} ) associated with this account. I inquired if there was a Citi bank card with allowed me to maintain my ThankYou points and did not have a yearly fee. Citibank then informed me that I would be able to open a XXXX XXXX XXXX card which would not have a yearly fee and would allow me to maintain my ThankYou points. Based on this information, I closed my XXXX  XXXX XXXX card and opened the XXXX XXXX Preferred card with the assurance that my ThankYou points would transfer over to the account. 

In XX/XX/XXXX, I planned to utilize the remaining ThankYou points and was notified that all the ThankYou points expired. I was then informed that the XXXX XXXX card could not hold ThankYou points. The only reason I opened an account with the XXXX XXXX card was to maintain these ThankYou points.

The misinformation provided to me regarding the benefits of the XXXX XXXX card ( e.g., maintaining ThankYou points accrued by the XXXX XXXX card indefinitely ) had made me lose {$350.00} in value. Several attempts were made ( calls to Citibank ) to recover the lost XXXX points or {$350.00} value however was repeatedly told they have all expired, even though I was informed that this would not be the case. 

Additionally, attempts to acquire my ThankYou account number to better resolve the claim have been further delayed by Citibank which may help further progress my complaint to recover this lost money ( statements of old XXXX XXXX account was requested a month ago however, have not received the mail yet ).

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 2025-03-04 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiries on my credit report or I believe someone applied for something in my name

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 2025-03-04 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: IL

Complaint narrative:
I do not recognize these hard inquiries on my report and can not confirm they was 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 non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Things that are on my credit report are unknown activities and have been getting multiple calls and Experian alerts that my information is being shared

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 2025-03-04 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that i had late payments on XXXX of my accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum accuracy. I Have never been late on payments for the account : XXXX XXXX or account : XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE!. 
Thanks

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 2025-03-04 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:
I reviewed my Consumer Reports and noticed that i had late payments on XXXX of my accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum accuracy. I Have never been late on payments for the account : XXXX XXXX or account : XXXX XXXX. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE!. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequetely notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-04 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have received denial letters for credit card applications I didnt not submit XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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 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 2025-03-04 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: PA

Complaint narrative:
Credit bureaus and creditors has teamed up to report fraud to my credit report. I have my lawyer following through with prosecutions. My rights has been trampoline on for months & the credit bureaus hasnt been with holding the FCRA! I HAVE ALL THIS ON PAPER!

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 2025-03-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-03-04 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Equifax is putting false information not deleted accounts that's been deleted and disputed already and have not removed it

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 2025-03-04 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: NJ

Complaint narrative:
1. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) Credit bureaus must investigate and correct inaccurate or incomplete information within 30 days ( or 45 days in some cases ).

2. Right to Verification ( 15 U.S.C. 1681s-2 ) If an item is disputed, the credit bureau must verify the accuracy of the information with the original creditor or data furnisher. If they can not verify it, the information must be removed.

3. Right to a Free Corrected Credit Report ( 15 U.S.C. 1681i ( d ) ) If a correction is made due to your dispute, the bureau must provide you with a free updated credit report.

4. Right to Add a Consumer Statement ( 15 U.S.C. 1681i ( b ) ) If the bureau refuses to correct the information, you have the right to add a written statement explaining your dispute.

5. Right to Sue for Violations ( 15 U.S.C. 1681n and 1681o ) If a credit bureau or creditor fails to correct inaccurate information or violates your rights under the FCRA, you may have legal grounds to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TN

Complaint narrative:
I placed an order for merchandise and returned the merchandise to the merchant. The companies policy states that refunds will be processed back to the original payment method used to make the installments. XXXX instead proceeded the refund back to a card on the account not associated with the order. The card they processed the refund back to has been charged off and sold as it was inactive and closed prior to making the purchase. XXXX is now refusing to process the refund to the correct payment method and telling me that I have to use an XXXX  to locate the funds

Company response to consumer: Closed with monetary relief