vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Account opened with XXXX XXXX XXXX on XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on 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 2025-04-08 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: VA

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, been waiting for the credit bureaus response and its really making XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-04-08 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: NC

Complaint narrative:
I submitted a written dispute to Experian, TransUnion, and Equifax concerning multiple inaccurate and unlawfully reported accounts, including an eviction-related collection from XXXX XXXX XXXX XXXX XXXX XXXX billing from XXXX XXXX XXXX XXXX XXXX and unauthorized hard inquiries. 

These accounts violate FCRA XXXX ( a ), XXXX ( b ), XXXX ( a ) ( XXXX ), and FDCPA XXXX ( b ). The eviction debt is not a verified public court record and is being furnished by a third-party collector without court docket info or judgment. This is deceptive under CFPB XXXX XXXX. Medical billing is being reported without XXXX authorization. No validation was provided by XXXX XXXX or XXXX XXXX XXXX, and hard inquiries were made without permissible purpose. 

I have attached a legal dispute letter detailing these violations and demanding deletion. No proper investigation or response has been received from the bureaus or furnishers. I request immediate deletion of all disputed items and that the CFPB enforces compliance with federal law.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-04-08 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I disputed an account with XXXX regarding an account from National Credit Adjusters. The bureau marked the account as verified but did not provide any explanation or documentation regarding how the verification was conducted. 

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the information. Despite multiple requests, I have not received any documentation, method of verification, or detail showing how the investigation was completed. 

This raises concerns that the bureau did not perform a reasonable investigation, and the verification process may have been automated or insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

XXXX XXXX balanced {$1000.00} date XXXX XXXX XXXX  XXXX  XXXX balanced {$3900.00} date open : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Citibank N.A., I was truly surprised and concerned when I recently reviewed my credit report and discovered a XXXX late payment reported for XX/XX/year> on my Macys Citibank N.A . account ending in XXXX. I have always been diligent about making my payments as soon as I receive my statements, so this reporting came as an unexpected shock. 

Upon further communication with Macys, it was brought to my attention that during the XXXX period, an incorrect or outdated address was on file. This may explain why I did not receive the billing statement for that month. As a result, I was unaware that a payment was due, which unfortunately led to an unintentional oversight. 

To the best of my knowledge, I believed my payment was made on time, and I would never intentionally allow my account to become delinquent. I respectfully ask that you take these circumstances into consideration and review the possibility of removing this late payment from my credit report as a one-time courtesy. 

Thank you for your time and understanding.

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 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX Issue Type : Incorrect information on credit report Complaint ID ( if following up ) : XXXX I am submitting a follow-up complaint regarding XXXX  XXXX continued furnishing of inaccurate information to the credit bureaus, in relation to a previously settled auto lease account ( # XXXX ). 

XXXX confirmed in writing on XX/XX/year> that I had no further obligation on the account. Despite this, XXXX is continuing to report this account as delinquent with late payment history and negative notations. 

Furthermore, the account was reinstated after repossession, and multiple late fees were waived or reversed. This calls into question the accuracy and completeness of their reported payment history. 

Additionally, I relocated to XXXX XXXX and several critical communications and notices were sent to my previous address in XXXX, violating proper notice obligations. 

These errors violate FCRA 1681s-2 ( b ), which requires furnishers to conduct a proper reinvestigation and update or delete information if found inaccurate. 

I am requesting that the CFPB compel XXXX  to correct or remove this account from all credit reporting agencies due to : Settlement status as of XX/XX/year> ( no further obligation confirmed ) Misleading status post-repossession reversal Possible violation of Metro 2 reporting standards Ive attached the XX/XX/year> letter from XXXX  as evidence. I respectfully request deletion or complete update to reflect Paid in Full Settled Closed No Negative Remarks.

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 2025-04-08 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: AZ

Complaint narrative:
here are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened {$4900.00} XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/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 2025-04-08 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: NE

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information on my credit report that is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I identified the following negative items that I believe are either inaccurate, unverifiable, or outdated, and I request their immediate removal : XXXX. [ XXXX XXXX XXXX XXXX Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX ] Account # XXXX Status : Charged off ( On record until XX/XX/year> ) XXXX. [ XXXX XXXX ] Account # XXXX Status : Late payments and charge-offs XXXX. [ XXXX XXXX ] Account # XXXX Status : Collection account with a past due balance of {$2900.00}

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian 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 two credit card accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, a credit card account with XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, XXXX credit card accounts with XXXXXXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, a retail account with XXXX XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX  opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a retail account with XXXX opened XXXX XX/XX/XXXX, a medical credit account with XXXX Credit opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, XXXX retail account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a retail account with XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, a credit account with XXXX opened on XX/XX/XXXX, a retail credit card with XXXX XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX credit card accounts with XXXX XXXX XXXX opened XXXX XX/XX/XXXX and XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a rental collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and another rental collection account with XXXX XXXX XXXX opened XXXX 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 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 2025-04-08 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: CA

Complaint narrative:
I received a letter on XXXX XXXX from Equifax asking me to send the over my actual accounts and account numbers that should be reporting in my Equifax credit report instead of the incorrect creditors that are not mine currently reporting on my Equifax Credit Report. 
So in response to their request, below is a list of my actual creditors, balances and account Numbers per their request : XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Payoff Amount : {>= $1,000,000} XXXX. XXXX XXXX - Account Number : XXXX - Balance - {$0.00} - Payoff Amount : {$49000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$0.00} Payoff Amount : {$24000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX - Balance : {$0.00} - Payoff Amount : {$18000.00} Addressed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am filing a complaint regarding inaccurate personal information being reported by [ XXXX ] on my credit report. 

My credit report contains incorrect names, addresses, and/or phone numbers that do not belong to me. I submitted a formal dispute via certified mail on XX/XX/year> XXXX, requesting that the inaccurate information be corrected or removed, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ). 

These include : Incorrect name ( s ) : Incorrect address ( es ) : Incorrect phone number ( s ) These errors are contributing to the misreporting of debts and accounts that are not mine and are severely damaging my credit score. 

The credit bureau has failed to conduct a reasonable investigation or provide written confirmation of correction, as required by law. 

I am requesting that the CFPB require the credit bureau to : Immediately delete all incorrect personal identifiers Provide written confirmation of the correction Prevent future re-reporting of this incorrect information This inaccurate reporting is affecting my ability to qualify for housing and FHA mortgage approval, and I am requesting urgent attention to this matter.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Claim Denied Without Proper Investigation or Evidence I am updating this complaint to report that Wells Fargo denied my fraud claim regarding {$13000.00} in unauthorized transactions ( filed on XX/XX/year> ). On XX/XX/XXXX, which marks the XXXX business day, I received a denial letter stating that the transactions were " authorized. '' However, no documentation or evidence was provided to support this conclusion. 

This denial violates Regulation E ( 12 CFR 1005.11 ) for the following reasons : Lack of Reasonable Investigation Wells Fargo did not explain how the transactions were deemed authorized, especially considering the high dollar amounts and that they occurred outside of my state.

Failure to Provide Documentation Under 12 CFR 1005.11 ( d ) ( 2 ), I am entitled to review the banks investigation and findings, which they have not supplied.

No Provisional Credit I did not receive a provisional credit by the 10th business day as required under 12 CFR 1005.11 ( c ) ( 2 ).

Burden of Proof on Bank It is the banks legal responsibility to prove authorization. Simply concluding that no error occurred is not sufficient.

I have submitted a written escalation letter to my local branch requesting a formal reconsideration and documentation of the investigation. I am asking the CFPB to hold Wells Fargo accountable and require them to properly handle this case in compliance with Regulation E.

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 2025-04-08 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: CA

Complaint narrative:
This account was charged off which appears on my credit report. The account number is XXXX The date of last activity has been inconsistently reported. On TransUnion the date last active is XX/XX/XXXX. On Experian the date last active is XX/XX/XXXX. On Equifax the date of last active is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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