vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
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 Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ TransUnion LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXar : Equifax or Experian or TransUnion ], I am writing to dispute the following information that appears on my [ Equifax or Experian or TransUnion ] consumer report : My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that I have already repaid. 
The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
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 Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ TransUnion LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXar : Equifax or Experian or TransUnion ], I am writing to dispute the following information that appears on my [ Equifax or Experian or TransUnion ] consumer report : My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that I have already repaid. 
The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-02-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-02-27 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. The Fraud was committed in XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Store # XXXX and Store phone number is XXXX. 
Chronology of the events : XX/XX/year> = I visited the store to make a purchase ( a bedroom set ). I applied for a credit request in order to make the purchase. I was approved with a credit limit of {$6500.00}. The initial balance of my purchase was of {$3000.00} in total for the set. I made a down payment of {$310.00} and the account was ended with a balance of {$2700.00}. 
XX/XX/XXXX, XXXX = I received the statement and proceeded with the XXXX payment. 
XX/XX/XXXX, XXXX XXXX payment sent by mail by {$1000.00} check. I have a remaining balance of {$18.00} XX/XX/XXXX, XXXX I made a phone call to Comenity Capital Bank to make sure that my payment was received. In the same call, I was told by customer service that my balance due had increased from {$2700.00} to {$9300.00}. My identity was stolen, and my credit was used for a new spending amount of {$6500.00} on XX/XX/year>. I told them immediately that I did not make this purchase and I did not recognize that charge for {$6500.00}. Also, I did not approve or was not present at the store, nor was I a phone call requesting any other purchase or credit limit increment and and my signature was counterfeit. 
XX/XX/XXXX, XXXX I opened a dispute for {$6500.00} as Identity theft since I did not approve or buy or ask for any credit increment to purchase anything else. I did not make any new purchases after XX/XX/year>. 
XX/XX/XXXX, XXXX I received the answer from Comenity Capital Bank XXXX They answered that they found that my account balance is correct. 
XX/XX/XXXX, XXXX I made a monthly payment of {$130.00} to cover my bill. 
XX/XX/XXXX, XXXX I have closed the account with Comenity Capital Bank for future theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
in XXXX and XXXX of XXXX i had availbe balance of XXXX i deposited mo0ney for me in account XXXX, XXXX and another XXXX to account they waited 2 months this dated orginally from XX/XX/XXXX then removed all credit including avail i had then charged me XXXX interest by XXXX ... .. in process all my deposits was never returned they kept it all according to my figures they embezzled XXXX from me they need to give me a cashiers check and pay it all off to me they claim i owe XXXX which is false

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: WI

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: WI

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a balance transfer card with XXXX on XXXX XXXX XXXX  I was approved, got email verifications and got my card. 

XXXXXXXX XXXX XXXX I got a letter in the mail from XXXX XXXX with a brand new card asking me to activate now so I may use my card. I DID NOT activate that card. Instead I called XXXX XXXX to dispute and inform them that I did not apply for this card. They Said the investigation could take up to 60-90 and that in the meantime I was to fax them my social and drivers license, I told them I was not going to do that at all. They then gave me a case # XXXX. I asked for them to send me email verifications and I still have yet to see any of that. I also never received any emails about this account prior. 

Then the following day I received another piece of mail from Wells Fargo Bank saying that they had denied by credit card account application due to to many inquiries. I connected XXXX and was able to only dispute the XXXX XXXX I tired to dispute the Wells Fargo with XXXX but was told to submit this and send them a copy. 

Last night I received an email from my bank informing me that my XXXX XXXX had dropped XXXX points! I looked into my that and saw two most credit cards. I have not seen anything in the mail for those at this time. 


Here are all the cards that I did NOT apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of this moment none of them are showing a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
I am disputing the XXXX XXXX charge-off reporting on my credit file due to multiple factual errors and inconsistencies across TransUnion, Experian, and Equifax. 
DISPUTE DETAILS : Creditor : XXXX XXXXXXXX Account Number : XXXX Balance Discrepancy : TransUnion & Equifax show {$2900.00}, but Experian shows $ O. 
Charge-Off Dates Are Inconsistent : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Account Status Conflict : TransUnion & Equifax say `` Charge-Off '', but Experian says " Account was in dispute - now resolved. '' If the dispute was resolved, Experian must update OR delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NY

Complaint narrative:
When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont know why. I routinely review my report, but this time, I noticed unexpected discrepancies. I tried refreshing my browser, thinking it was a temporary issue, but the inaccuracies remained. For this reason, I ask that the documents Ive submitted be thoroughly reviewed so I can finally put this matter to rest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
On XX/XX/year>, I disputed an inaccurate collection account with XXXX XXXX XXXX on my Experian credit report. This account should not be on my report as XXXX conducted an investigation and removed it from my credit file after they could not verify its legitimacy. 

Despite my dispute, Experian refused to remove the account and did not provide proper validation or documentation proving the debt belongs to me. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide actual proof of the debts validity. 

I am requesting that the CFPB investigate Experians failure to properly verify this account and require them to either provide documented proof of verification or delete the account from my credit report. 

Attached are my dispute results from Experian ( denial ) and XXXX ( deletion ), proving the inconsistencies in Experians reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 non-monetary relief