vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/1973 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian, 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 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-17 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-17 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: CA

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
I am formally requesting the removal of multiple inaccurate revolving accounts that are currently being reported on my credit file by Experian, Equifax, and XXXX. These accounts contain incorrect information, including erroneous balances, payment history discrepancies, and accounts that I do not recognize or no longer have financial responsibility for. Despite my previous attempts to dispute these inaccuracies directly with the credit bureaus, they remain on my report, negatively impacting my credit profile. 

1. Upon reviewing my credit report, I discovered that several revolving accounts were being inaccurately reported.

2. These accounts contain inconsistent or unverifiable data, including incorrect late payments, balances, and statuses.

3. Some accounts listed as open or delinquent should not be associated with me, as I have no active obligation to them.

4. I submitted disputes to the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies persist without proper investigation or validation from the furnishers.

5. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate information, yet these accounts remain on my file despite my request for validation. 



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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On several occasions, either as a result of CITI contacting me or myself calling CITI, have I stated that once excessive late fees and other exorbitant charges are addressed and reward points applied to balance I would immediately make arrangement to pay balance of card. Each and every time the associate would claim to make a notation to my account, and state that they were unable to make this change but would transfer me to a department that could. The conversation would begin all over again with no change in outcome and an absolute waste of time. I have made several attempts with the same result. My credit score has dropped almost XXXX points in the meantime.I have tried since the card was prematurely cancel as a result of XXXX automatic renewal malfunctioning to work with CITI to re-activate the card or address items initially mentioned with no success. I am being brutally abused and taken advantage of by a credit card company abusing the system.

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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Over the last few months, my relatives have received multiple phone calls a week. These relatives stated that I am not connected to them. They also repeatedly call my XXXX mothers house who has also told them to stop calling due to me not living there. The harass me back to back all day and then begin to harass them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Date Opened and Last Active Date Across XXXX and TransUnion I am writing to file a formal complaint regarding multiple inaccuracies on my credit report that are affecting my credit profile. The account in question has discrepancies regarding both the Date Opened and Last Date Active across the credit bureaus XXXX and TransUnion. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that these issues be deleted immediately. Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Inaccuracies in Reporting : Date Opened Discrepancies : XXXX : The date opened is listed as XX/XX/XXXX. TransUnion : The date opened is listed as XX/XX/XXXX. These XXXX reported dates can not both be accurate. The information reported must be correct and consistent across all credit bureaus. I am requesting that the inaccurate date opened entries be deleted from my credit reports. Last Active Date Discrepancies : XXXX : The last date active is listed as XX/XX/XXXX. TransUnion : The last date active is listed as XX/XX/XXXX. The inconsistency between the last active dates on XXXX and TransUnion is also inaccurate and requires that the incorrect entries be deleted from my credit reports. Legal Reference : Under 15 U.S. Code 1681i ( FCRA ), when a consumer disputes inaccuracies on their credit report, the credit reporting agency is required to conduct a reasonable investigation and delete any inaccurate information. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The credit reporting agency must promptly investigate the dispute ( typically within 30 days ). Any inaccurate or incomplete information must be deleted.

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 2025-02-17 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. - XX/XX/XXXX ( last 4 of SS # XXXX ) Experian Dispute by Mail XXXX XXXX XXXX XXXX XXXX XXXX Re : Report # XXXX XX/XX/XXXX To whom it may concern, Although I am NOT a credit repair agency, I am writing to express my disagreement with the items listed below that still appears on my credit report, despite your previous investigation. I kindly requested these items be reinvestigated immediately, as their presence is negatively impacting my credit rating. 

According to Federal law, you have a period of thirty ( 30 ) days to complete your reinvestigation.

1.The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Please remove this from my credit report. 

2. The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( Account # XXXX ) Please remove this from my credit report. 

3. The following account is not mine. 
XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) Please remove this inaccurate closed account from my credit report. 

Additionally, in accordance with The Fair Credit Reporting Act, the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.15 U.S.C. 1681 section 602 A, states : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C. 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the followingitems ofinformation ; ( 4 ) Accoun
ts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years. ( 6 ) Any other adverse item of information which antedates the report by more than seven years. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Once you have completed your reinvestigation and made the necessary corrections, please send me an updated credit report toreflect such corrections and removals. See attached examples of inaccuracy via photo copy comparison which further support that my consumer right have been violated. 

Your cooperation and prompt attention to this matter would be greatly appreciated. 

Thank you, 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 2025-02-17 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: TX

Complaint narrative:
I am filing a complaint against Experian and XXXX XXXX for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my Experian credit report, which violates my consumer rights under federal law. I never had an agreement with XXXX XXXX, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the XXXX administration, unpaid medical bills will no longer appear on credit reports which was effective 60 days after publication. Additionally, I am concerned by the recent CFPB lawsuit against Experian for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.

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 2025-02-17 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: NRA Group, LLC
State: FL

Complaint narrative:
THIS ACCOUNT IS NOT AUTHORIZED BY ME OR OPENED WITH CONSENT. THIS CREDITOR IS WRONGLY CLAIMING MY OWNERSHIP TO THIS ACCOUNT IS COMPLETELY WRONG AND INACCURATE ON THEIR END.

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 2025-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score BK OF AMER ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-17 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-02-17 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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : l ACCOUNT : XXXX ** XXXX XXXX XXXX XXXX to 15 U.S.C. 1681i ( FCRA 611 ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over two years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, United States This action must be completed within 10 days. Failure to comply will require a detailed explanation from the specialist assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible specialist held personally accountable for financial and emotional damages incurred. 
Immediate compliance is required.

Company response to consumer: Closed with non-monetary relief