vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being 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 transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1. The following personal information is incorrect XXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$9800.00}

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXb ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report. 
Legal Basis for Dispute : Under XXXX U.S. CXXXX XXXXb ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 2025-06-05 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: GA

Complaint narrative:
b'The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXX The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *CLOSED DATE *ACTUAL PAYMENT *DATE OF LAST PAYMENT *HISTORICAL ACCOUNT INFORMATION.   If you have additional questions about this item please contact: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months XXXX XXXX Designator Creditor Classification XXXX XXXX XXXX XXXX  Monthly 34 Paid and Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment  Amount Scheduled Payment  Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX XXXX XXXX  Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XXXX XXXX XXXX XXXX XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Pays As Agreed Revolving Credit Card Individual Account           ADDITIONAL INFORMATION: Consumer Disputes This Account Information          Closed or Paid Account/XXXX  Balance         Account Closed By XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is blatantly and illegally reporting on my XXXX credit report. 
This company FAILED to follow the laws that are required before they reported this information on my credit file. 
This company did not follow the rules, and I will sware in a court of law that I was never contacted by this firm regarding this alledged debt that I am not aware of. 
The first time I was made aware of this erroneous alledged debt was when I viewed it on my XXXX credit report today and want it removed immediately! 

I never spoke to anyone representing this in agency in person. 
I never spoke to anyone representing this agency via telephone. 
I never received a letter as NO letter at anytime was delivered to me. 
I never received any electronic communication nor have I given any one at any time permission for me to receive any electronic communication as the law under XXXX XXXX XXXX requires. 
I have never contacted this agency by Phone, Text, written communication, nor in person that would behoove this agency to contact me. 
This alledged debt is not mine and in accordance with STATE and FEDERAL laws I demand it be deleted immediately or I will be compelled to seek legal representation seeking MONETARY RELIEF Additionally, this same alledged debt was deleted from my credit report ( s ) subsequent validation. The other company will be sued as well for selling this alledged debt that is unverified!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX U.S. CXXXX XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}. 
Under XXXX U.S. CXXXX XXXXa ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX U.S. CXXXX XXXXj - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to use my Citibank debit card and was told it was restricted. I called customer service and was informed that my account had been frozen due to a missing response regarding an authorized person on my account. I was told I would need to call back the next day because the office handling these issues was closed. 

On XX/XX/XXXX, I called again and was told my account was frozen because I failed to update information on the authorized person. However, I never received any notice from Citibankno email, letter, or phone callrequesting this information or explaining the consequences of not providing it. 

I was told it would take 2448 hours to process the update and another 10 business days before my account would be unlocked. 

This caused an immediate financial hardship, as I could not use my debit card to buy food, pay bills, or pick up vital prescription medication. 

On XX/XX/XXXX, I visited a Citibank branch in person and requested to close my account. The branch representative called headquarters, and they asked to review my email inbox. I agreed, and the branch representative confirmed to headquarters that I had never received any notification from Citibank regarding the required update. 

Even with this confirmation, I was told it would still take two more days to regain access to my money. As of now, I still have no access to my own funds. 

This mishandling by Citibank is unacceptable and has caused serious harm to my financial stability and well-being. I am requesting a full investigation into Citibanks notification process and actions, as well as expedited access to my funds.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint for Immediate Removal of Inaccurate and Fraudulent Personal Information from Credit Reports To Whom It May Concern, I am submitting this formal complaint to request immediate investigation and removal of multiple inaccurate and fraudulent personal information entries on my credit reports maintained by Experian, Equifax, and TransUnion. 

The inaccurate information includes the following : Fabricated Aliases : " XXXX XXXX '' " XXXX XXXX '' " XXXX, XXXX, XXXX '' " XXXX, XXXX, XXXX '' These aliases do not belong to me and constitute criminal identity fraud under 18 U.S.C. 1028. 

Fictitious Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are false and violate 15 U.S.C. 1681c-2 concerning the reporting of obsolete or inaccurate information. 

Fraudulent Employment Data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No such employment relationship or self-employment status exists or has been authorized by me. 

The presence of these inaccurate, fabricated, and fraudulent entries on my credit report is severely damaging my creditworthiness and personal reputation. These errors constitute willful violations of the Fair Credit Reporting Act ( FCRA ) and federal criminal statutes. 

I demand : Immediate deletion of all the above-referenced false and fraudulent personal information from all credit reporting agencies. 

Confirmation in writing that these inaccurate records have been removed. 

Documentation of all investigative actions taken by the credit bureaus in response to this complaint. 

Failure to remove these inaccuracies promptly will leave me no choice but to pursue all available legal remedies, including but not limited to claims for statutory damages under the FCRA and referral for criminal prosecution for identity fraud. 

Please acknowledge receipt of this complaint and provide a timeline for resolution without delay. 

Thank you for your immediate attention to this urgent matter. 

Sincerely,

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint for Immediate Removal of Inaccurate and Fraudulent Personal Information from Credit Reports To Whom It May Concern, I am submitting this formal complaint to request immediate investigation and removal of multiple inaccurate and fraudulent personal information entries on my credit reports maintained by Experian, Equifax, and TransUnion. 

The inaccurate information includes the following : Fabricated Aliases : " XXXX XXXX '' " XXXX XXXX '' " XXXX, XXXX, XXXX '' " XXXX, XXXX, XXXX '' These aliases do not belong to me and constitute criminal identity fraud under 18 U.S.C. 1028. 

Fictitious Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are false and violate 15 U.S.C. 1681c-2 concerning the reporting of obsolete or inaccurate information. 

Fraudulent Employment Data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No such employment relationship or self-employment status exists or has been authorized by me. 

The presence of these inaccurate, fabricated, and fraudulent entries on my credit report is severely damaging my creditworthiness and personal reputation. These errors constitute willful violations of the Fair Credit Reporting Act ( FCRA ) and federal criminal statutes. 

I demand : Immediate deletion of all the above-referenced false and fraudulent personal information from all credit reporting agencies. 

Confirmation in writing that these inaccurate records have been removed. 

Documentation of all investigative actions taken by the credit bureaus in response to this complaint. 

Failure to remove these inaccuracies promptly will leave me no choice but to pursue all available legal remedies, including but not limited to claims for statutory damages under the FCRA and referral for criminal prosecution for identity fraud. 

Please acknowledge receipt of this complaint and provide a timeline for resolution without delay. 

Thank you for your immediate attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-06-05 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account 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 2025-06-05 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: NC

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 reinvestigated. The inaccuracies are highly " Injurus '' to my credit report. 

Account Name- XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Account 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 2025-06-05 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: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WINTER HAVEN, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-05 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WINTER HAVEN, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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