vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-05 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: NC

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
Consumer complaint received 2025-07-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: EQUIFAX, INC.
State: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to the Sears store in XXXX, Ca on XX/XX/year>XXXX  to purchase some appliances I went with my daughter and son in law. After picking out the appliances the service rep ( XXXX ) who was new charged my card for the amount of {$2400.00}, after he charged my card when I asked him to verify my address he had put some random address in XXXX XXXX, I live in XXXX, Ca. Immediately we go the manager who said she tried to void the charge but since they have a new system it did not let them. The manager had called the credit card and they were told on the spot because it was on speaker phone that I had to submit the receipt because they no longer do voids, but to send the receipt and it will be refunded with in 24-48 hours. On XX/XX/year> my daughter made copies of the receipt and sent it to the credit card companies dispute processs online. We called 3 times since then, last week on XX/XX/year> I asked to speak to a supervisor. I was supposedly transferred to one who stated that they had to give time to the store to respond but if they do not respond then the credit would be returned on XX/XX/year>. It is now XX/XX/year> and nothing has been returned. I am out of that money and NO merchandise, I want this returned because I am charged for interest AND its reported to the credit bureau. This company are nothing but thieves, I am an XXXX XXXX XXXX woman with a XXXX XXXX and XXXX XXXX XXXX. My daughter will have to file a lawsuit on my behalf if I have a XXXX XXXX because of the stress this is causing 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 monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Urgent Request for Removal of Unauthorized Hard Inquiries from Credit Report To Whom It May Concern, TransUnion, Equifax & Experian credit bureaus I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple unrecognized and unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me and may constitute a violation of federal law and a breach of my consumer rights.

- I have identified one or more hard inquiries on my credit report that I did not authorize.

- These inquiries may have been made without a permissible purpose or valid consent. 
- I have contacted the credit reporting agency/agencies and the companies responsible for the inquiries, but the inquiries remain. 

Under the FCRA, the following provisions apply to this situation : - 15 U.S.C. 1681b ( a ) : Limits access to consumer reports to entities with a permissible purpose, such as a credit application initiated by the consumer.

- 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose.

- 15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to maintain procedures to avoid furnishing reports to unauthorized parties.

- 15 U.S.C. 1681e ( b ) : Mandates that agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days of receiving notice.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted.

These unauthorized inquiries violate my rights under the FCRA and may also expose me to identity theft or fraud. 

I have attached : - A copy of my credit report showing the disputed hard inquiries. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
Urgent Request for Removal of Unauthorized Hard Inquiries from Credit Report To Whom It May Concern, TransUnion, Equifax & Experian credit bureaus I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple unrecognized and unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me and may constitute a violation of federal law and a breach of my consumer rights.

- I have identified one or more hard inquiries on my credit report that I did not authorize.

- These inquiries may have been made without a permissible purpose or valid consent. 
- I have contacted the credit reporting agency/agencies and the companies responsible for the inquiries, but the inquiries remain. 

Under the FCRA, the following provisions apply to this situation : - 15 U.S.C. 1681b ( a ) : Limits access to consumer reports to entities with a permissible purpose, such as a credit application initiated by the consumer.

- 15 U.S.C. 1681b ( f ) : Prohibits any person from obtaining a consumer report without a permissible purpose.

- 15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to maintain procedures to avoid furnishing reports to unauthorized parties.

- 15 U.S.C. 1681e ( b ) : Mandates that agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information within 30 days of receiving notice.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information can not be verified, it must be promptly deleted.

These unauthorized inquiries violate my rights under the FCRA and may also expose me to identity theft or fraud. 

I have attached : - A copy of my credit report showing the disputed hard inquiries. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally request the immediate blocking and removal of fraudulent information being reported on my credit file under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). This request concerns the following fraudulent account : Creditor Name : XXXX XXXX  AccountNumber XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} Discovered Fraud : XX/XX/XXXX FTC Identity Theft Report XXXX XXXX XXXXXXXX Upon reviewing my credit report, I found multiple inconsistencies suggesting unauthorized use : Conflicting balance and delinquency dates Missing past due amounts despite delinquency claims Late payment history varies across bureaus No accurate date of last activity I am enclosing my official FTC Identity Theft Report, a copy of my government-issued ID, proof of address, and supporting documentation. Under 15 U.S.C. 1681c-2, I request this information be permanently blocked from my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : [ XXXX ] SSN : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The issue concerns the incorrect reporting of my student loan account. During my first dispute, I specifically requested a reinvestigation due to a reported XXXX late payment for XX/XX/year>. While you did update the no data reporting, your investigation failed to correct the inaccurate XXXX late payment. This failure is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of consumer reports. Additionally, you failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). I have attached screenshots that serve as proof of this failure. Furthermore, you did not fulfill your obligation under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the prompt correction or deletion of inaccurate information following the completion of a reinvestigation. To add, during the reported period, I was granted financial hardship assistance by my student loan account, during which no payments were required. I was not notified of any upcoming payment obligations neither by mail nor email further supporting that the late payment entry is both inaccurate and unjustified. My loan servicer also confirmed that I should direct this matter to your agency for proper resolution.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : 15 U.S.C. 1681e ( b ) : Requiring credit reporting agencies to ensure maximum possible accuracy of consumer credit reports.

15 U.S.C. 1681i ( a ) : Requiring reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Mandating prompt correction or deletion of inaccurate information upon completion of a reinvestigation.

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 2025-07-04 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: NC

Complaint narrative:
The issue concerns the incorrect reporting of my student loan account. During my first dispute, I specifically requested a reinvestigation due to a reported XXXX late payment for XX/XX/2025. While you did update the no data reporting, your investigation failed to correct the inaccurate XXXX late payment. This failure is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of consumer reports. Additionally, you failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). I have attached screenshots that serve as proof of this failure. Furthermore, you did not fulfill your obligation under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the prompt correction or deletion of inaccurate information following the completion of a reinvestigation. To add, during the reported period, I was granted financial hardship assistance by my student loan account, during which no payments were required. I was not notified of any upcoming payment obligations neither by mail nor email further supporting that the late payment entry is both inaccurate and unjustified. My loan servicer also confirmed that I should direct this matter to your agency for proper resolution.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : 15 U.S.C. 1681e ( b ) : Requiring credit reporting agencies to ensure maximum possible accuracy of consumer credit reports.

15 U.S.C. 1681i ( a ) : Requiring reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Mandating prompt correction or deletion of inaccurate information upon completion of a reinvestigation.

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 2025-07-04 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: NC

Complaint narrative:
The issue concerns the incorrect reporting of my student loan account. During my first dispute, I specifically requested a reinvestigation due to a reported XXXX late payment for XX/XX/year>. While you did update the no data reporting, your investigation failed to correct the inaccurate XXXX late payment. This failure is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of consumer reports. Additionally, you failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). I have attached screenshots that serve as proof of this failure. Furthermore, you did not fulfill your obligation under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the prompt correction or deletion of inaccurate information following the completion of a reinvestigation. To add, during the reported period, I was granted financial hardship assistance by my student loan account, during which no payments were required. I was not notified of any upcoming payment obligations neither by mail nor email further supporting that the late payment entry is both inaccurate and unjustified. My loan servicer also confirmed that I should direct this matter to your agency for proper resolution.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : 15 U.S.C. 1681e ( b ) : Requiring credit reporting agencies to ensure maximum possible accuracy of consumer credit reports.

15 U.S.C. 1681i ( a ) : Requiring reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Mandating prompt correction or deletion of inaccurate information upon completion of a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: WA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing 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 2025-07-04 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: WA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-05 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: FL

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief