vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), it is unlawful to report my personal information without my express written consent.

The accounts in question are not associated with any transactions I have made, and their presence on my credit report may indicate identity theft, as outlined in 15 U.S. Code 1681c-2. This false reporting compromises the accuracy of my credit file and violates my rights. 

I request an immediate investigation into this matter and the correction or removal of all inaccurate entries to restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: PA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFERSON CAPITAL SYST regarding an account I have with them XXXX * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : JEFFERSON CAPITAL SYST XXXX * * * * Balance : {$12000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFERSON CAPITAL SYST but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: ND

Complaint narrative:
I recently submitted a dispute regarding the accuracy and completeness of an account listed on my credit report. However, I am concerned that a proper investigation may not have been conducted, as the information still appears to be inaccurate and incomplete. 

This situation has been very stressful for me and is affecting my emotional well-being. I kindly ask for your assistance in reviewing this matter thoroughly. 

Please note that I am submitting this dispute personally, as a natural person, and not through any third party. 

Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
My name is XXXX XXXX. I used to have a XXXX credit card issued by Citibank. The card number was XXXX. This card was suddenly canceled by Citibank without any reason that I think is legitimate because I used this card very carefully, I never paid late, I even paid the total amount of debt on the card every month. There was an incident that in XXXX I overpaid this card ( equal to 2 times the total debt of the card ). The reason was because I had set up a bill pay to automatically pay the entire debt on the card every month from my XXXX  XXXX XXXX account but I forgot. So I paid this card again the entire debt on the card ( equal to the total amount paid through 2 payments ). The payments were as follows : {$1500.00} ( paid manually by me on XX/XX/year> ) {$3400.00} ( paid automatically by bill pay on XX/XX/year> ) {$1900.00} ( paid manually by me on XX/XX/year> ) When I found out that I had overpaid, I contacted both Citibank and XXXX  XXXX XXXX to ask them to help me get the overpaid amount back as soon as possible because I also needed cash to pay other bills for the month. I don't know how the two banks worked together but then Citibank unilaterally closed my credit card account. When I asked them to return my cash back rewards, they said that the account was closed and the rewards would be lost. I couldn't accept this because I didn't do anything wrong and they were trying to use some rule to steal my rewards. This is a large amount of money and I need it to pay off the remaining balance on my card. Thus, I need the consumer financial protection bureau to help me resolve this problem. My cash back rewards certificate was emailed to me on XX/XX/year>XXXX  and my account was forcibly closed by Citibank just days after that day.

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 2025-04-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a medical collection account with XXXX XXXX opened on XX/XX/XXXX, and another medical collection account with XXXX XXXX opened on XX/XX/XXXX. 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, My personal and financial data was comprised violating FERPA.I request full cancellation of my XXXX XXXX debt. I can be contacted at XXXX. 


Respectfully, XXXX XXXX XXXX XXXX Formerly XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AR

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AR

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXXXXXX 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 2025-04-30 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I rented a car through XXXX using my Bank of America card, but the vehicle was undrivable due to a strong XXXX odor that made me physically sick. I reported it immediately and never used the car. Despite this, BoA processed the full charge. I opened a dispute, submitted all required documents, and later discovered they had duplicated the dispute without notifying me. I was forced to resend everything and still received no resolution. The issue has dragged on for weeks with no clear outcome. Their phone system is automated and useless, repeatedly saying the dispute office is closed. Im requesting a full refund, closure of the duplicate dispute, and investigation into BoAs negligent and evasive handling of this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint to report inaccurate and fraudulent information being reported on my credit file due to identity theft and multiple data breaches that compromised my personal information. 
My personal data was exposed in the following breaches : Equifax Data Breach ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, formally notified by letter on XX/XX/XXXX As a direct result of these breaches, fraudulent and inaccurate information has been reported on my credit profile. Specifically : XXXX. A charge-off account is being reported by XXXX, account number XXXX. This account contains numerous inaccuracies resulting from fraudulent data. 
XXXX. An unauthorized hard inquiry was made by XXXX XXXX which I did not authorize or initiate. 

I have already filed a formal FTC Identity Theft Report ( Report # XXXX ) and am exercising my rights under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). This law entitles identity theft victims to request the blocking and removal of fraudulent information resulting from identity theft from their credit reports. 

I am demanding the following actions be taken without delay : Immediate deletion of the XXXX charge-off account ( XXXX ) from all credit reporting agencies. 
XXXX deletion of the unauthorized XXXX hard inquiry These items were added as a result of identity theft stemming from documented and verifiable data breaches. I am attaching the FTC Identity Theft Report and supporting documentation with this complaint. 

Thank you for your attention to this matter. I look forward to a swift and just resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint to report inaccurate and fraudulent information being reported on my credit file due to identity theft and multiple data breaches that compromised my personal information. 
My personal data was exposed in the following breaches : Equifax Data Breach ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, formally notified by letter on XX/XX/XXXX As a direct result of these breaches, fraudulent and inaccurate information has been reported on my credit profile. Specifically : XXXX. A charge-off account is being reported by XXXX, account number XXXX. This account contains numerous inaccuracies resulting from fraudulent data. 
XXXX. An unauthorized hard inquiry was made by XXXX XXXX which I did not authorize or initiate. 

I have already filed a formal FTC Identity Theft Report ( Report # XXXX ) and am exercising my rights under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). This law entitles identity theft victims to request the blocking and removal of fraudulent information resulting from identity theft from their credit reports. 

I am demanding the following actions be taken without delay : Immediate deletion of the XXXX charge-off account ( XXXX ) from all credit reporting agencies. 
XXXX deletion of the unauthorized XXXX hard inquiry These items were added as a result of identity theft stemming from documented and verifiable data breaches. I am attaching the FTC Identity Theft Report and supporting documentation with this complaint. 

Thank you for your attention to this matter. I look forward to a swift and just resolution.

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