vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed several disputes with Experian to update to my student loan balance. Experian sent me an email regarding my dispute being completed. Based on the results, Experian deleted my account instead of updating the balance. That is a valid account and belongs to me. I contacted Experian regarding the results, the representative couldnt explain why it was deleted off instead of the balance being updated. She stated shes not sure but I should call the creditor and ask them to report it back. I advised her it needs to be reversed, she stated it cant. This is unacceptable, Experian erroneously deleted my student loan trade line, even though they had proof that its a valid account and belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The website was designed to obfuscate end dates of interest rates, made nearly impossible to figure out what debts there are and when they are due, especially which are under promotion. In order to pay down the original amounts, and not have payments applied evenly across all amounts equally, you are forced to call them to tell them to do so, it is impossible to do online. We were charged for paper statements we never requested or wanted. 
I have multiple degrees and their website is designed to be impossible to use, requiring a user to call them to handle things. 
Attachments have dates and amounts.

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 2025-04-14 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 non-monetary relief
Consumer complaint received 2025-04-14 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: VT

Complaint narrative:
There was a fraudulent purchase made with XXXX, when I first learned of this I tried to send proof the purchase was not mine ... around XX/XX/2023. 

Since that time XXXX has sent the account to collections, and it is negatively affecting my credit score. 

XXXX, acct # XXXX XXXX {$1400.00}

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 2025-04-14 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: CA

Complaint narrative:
Dear SirMadam, I am writing to formally notify you that my personal information has been stolen and used to open fraudulent accounts under my name. After reviewing my credit report, I discovered the following three unauthorized accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX .... Recent Balance : {$25000.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$25000.00} written off. {$25000.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX .... 
Recent Balance : {$3800.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Recent Balance : {$270.00} as of XXXX Date Opened : XXXX Status : Collection account. {$270.00} past due as of XX/XX/year>. These accounts were opened without my consent or authorization, and I believe my identity has been compromised. I request that you investigate

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 2025-04-14 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:
Dear SirMadam, I am writing to formally notify you that my personal information has been stolen and used to open fraudulent accounts under my name. After reviewing my credit report, I discovered the following three unauthorized accounts : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX .... Recent Balance : {$25000.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$25000.00} written off. {$25000.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX .... 
Recent Balance : {$3800.00} as of XXXX Date Opened : XXXX Status : Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/year>. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Recent Balance : {$270.00} as of XXXX Date Opened : XXXX Status : Collection account. {$270.00} past due as of XX/XX/year>. These accounts were opened without my consent or authorization, and I believe my identity has been compromised. I request that you investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: FL

Complaint narrative:
I did not open these XXXX accounts they were open fraudulent without my consent and with out my knowledge

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 2025-04-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am formally disputing the reporting of the account listed as POSSIBLEFINA due to multiple violations of the Fair Credit Reporting Act ( FCRA ). 

This account reflects a Date of Last Payment as XX/XX/XXXX and a Date of Last Activity as both XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) a direct contradiction. Per the FCRA, furnishers are required to report accurate and consistent information, and these discrepancies indicate the account has been illegally re-aged. The Date of Last Activity ( DLA ) determines the seven-year statute of limitations for reporting derogatory accounts. Altering it artificially extends the reporting period, which is a clear violation of 15 U.S. Code 1681c. 

Moreover, this account is marked as charged-off with a $ 0 monthly payment and has had no new activity since XXXX, yet it continues to report monthly charge-offs through XXXX, further violating FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) by furnishing outdated and inaccurate information. 

These inconsistenciesespecially the presence of two different DLAs and ongoing monthly charge-off notations on an inactive and settled debtdemonstrate that this account must be immediately removed from my credit report. Furthermore, this account was never verified when I initiated a dispute over 3 months ago. It would be in your best interest to remove this account from my credit report. I am aware of the arbitration agreement, and I will seek monetary relief due to the multiple FCRA violations. 

Please investigate and delete this account pursuant to your responsibilities under the FCRA. I request written confirmation once the deletion has been completed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: KY

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that 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 2025-04-14 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: MI

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I sent {$100.00} to a friend who never received it. Cash app claimed that it was no record of me sending the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I've had my Macy 's card ( through Citibank ) for several years. They send me a letter stating they need to update my information. I call the number on the letter, they want either my card number or my social. I did not ask for this, Why am I having to give them my PII? Cards rarely used, always paid off, and yet I have to call to update my information? This seems suspicious. How do I know this isn't a third party fraudster trying to steal my information. I finally get to a person, who then ask for my phone number, DOB and last four of my social. WHY should I give this, when They are asking me to call? I'd get if the card was maxed out, asking for updates. I'd understand if there was a code on the letter, or if the letter was saying to download the Macy 's app or perhaps the Citi app to update my information, Or anything other then having to give my PII over the phone from an unsolicited letter that I received in the mail. None of this makes sense, we have other credit cards that do it through the app, they don't send me a letter asking me to call. This is poor customer service, and in today 's world of identity theft, I'm not even 100 % certain that its actually Macy 's as any fraudster can setup a phone line and have incoming calls go to a " call center '' to steal PII.

Also we have another Citibank card- opened more recently, so why would you need me to verify information you already have - likely updated in the last 12-18 months? This makes no sense whatsoever.

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 2025-04-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 am filing this Identity Theft Affidavit to report fraudulent accounts and collections appearing on my credit report that I did not authorize. 

This includes a personal credit card by XXXX XXXX XXXX, now owned by XXXX XXXX XXXX ( Account # XXXX, Balance {$880.00} ). This account and the related hard inquiries and collection entries are the result of identity theft and were not opened or initiated by me. 

I am a victim of identity theft, and I do not recognize this account or any associated collection activity as valid. The presence of this information on my credit report is negatively impacting my credit standing and is in direct violation of my consumer rights under federal law. 

I have attached an FTC Identity Theft Report as evidence, along with supporting documentation from my consumer credit report highlighting the fraudulent entry.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XXXX XXXX I noticed on my credit report that I have a collection account but the company has not reached out to me to resolve the issues. I have submitted multiple disputes with credit bureau but they are being denied but they don't not explain why they are being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
Equifax, This account was charged off on XXXX XXXX. Since then, the account has repeatedly been updated as due every month. This is an update in the payment history on a closed, charged off account. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following Account : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im disputing late payments popping up on my credit report and Im disputing it to Equifax, XXXX XXXX, and XXXX According to U.S. Code 15 USC 6802 they are supposed to give me the option to opt out of giving my information to credit agencies. According to U.S. Code 15 USC 1681b the credit agencies must have a written statement of me agreeing to allow them to put those late payments on my reports but I did not agree to this. All three of them need to verify where I agreed to this. They are violating my rights and privacy. According to U.S. Code 18 USC 1028A the banks and creditors need lawful authority to share my information with each other. They never showed me proof that they had lawful rights to do this. With this being said all late payments must be deleted permanently and immediately.

Company response to consumer: Closed with explanation