vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ACCOUNTS : XXXX & XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} INQUIRIES : 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 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
THD/CBNA is reporting XXXX lates on XX/XX/year> and XX/XX/year>. I was never late those months and I demand these be taken off.

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 2025-06-20 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: MN

Complaint narrative:
I recently obtained a copy of my credit report from your agency and have identified several inaccuracies, including accounts and information that I did not authorize or recognize. I truly work hard at paying everything on time and keeping a great standings with my credit health. These incorrect entries have had a detrimental impact on my credit health and personal well-being. 

Below are the details of the disputed items : [ XXXX XXXXXXXX XXXX XXXXXXXX ] This account appears to be unauthorized. I do not recall opening or authorizing this account. 
[ Diversified adjustment ] This account appears to be unauthorized. I do not recall opening or authorizing this account.

I request that these items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ). I am enclosing copies of documents supporting my position, including a copy of my credit report with the disputed items highlighted.

Please complete this investigation within 30 days and provide me with a written statement of the results. Also, send me an updated copy of my credit report once the corrections are made.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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 2025-06-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX Account number XXXX and the three major credit reporting agenciesXXXX XXXX XXXX XXXXdue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, XXXX XXXX XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini XXXX warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX XXXX  XXXX  improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX XXXX XXXX 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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 2025-06-20 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX Account number XXXX and the three major credit reporting agenciesXXXX XXXX, and TransUniondue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, XXXX XXXX XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing Mini XXXX  warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX XXXX  XXXX  improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX XXXX XXXX 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

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 2025-06-20 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-06-20 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: LA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Experian regarding a XXXX XXXX account that was fraudulently opened in my name around XX/XX/XXXX for approximately {$5100.00}. I submitted a full FTC Identity Theft Report, a written statement explaining the situation, and my proof of identity and address. 

The account was opened by a trusted family member using my personal information without my knowledge or informed consent. I did not knowingly apply for this loan. I was initially led to believe it was for something else and did not understand the true nature of the transaction until much later. Once I realized what had happened, I continued making payments because I didnt want to cause any issues at that time, not fully realizing the damage it would cause in the future. I recently learned that I could have disputed the account earlier, but I was unaware of that option. Now, I am taking action to formally dispute it. 

However, Experian closed the dispute within 3 days and marked the account as " verified '' without conducting a full reinvestigation or requesting proper documentation from XXXX XXXX. 

I am requesting that the CFPB require Experian and XXXX XXXX to provide full documentation proving I authorized this loan, or have the account deleted under the Fair Credit Reporting Act. This includes the original application, IP address, e-signature data, and any verification 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
Abbott, Osborn, and Jacobs received a check of {$1700.00}. It was to pay off a debt that was being managed by XXXX XXXX XXXX. However, I had already made payments to the original creditor and the rest was charged off due to the debt being old. Abbott, Osborn and Jacobs was aware of this. I told them to send the check back to me. However they sent the money to XXXX XXXX XXXX despite me not owing anyone. My balance at XXXX XXXX XXXX is showing ( {$1700.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXXTHIS IS TO NOTIFY YOU THAT XXXX  SOLD YOU A FAKE DEBT; AND THAT IF THIS SCAM PERSISTS I WILL HAVE TO CONTACT HIGHER GOVERNMENT DEPARTMENTS.\nTHIS CASE AGAINST ME FROM XXXX  HAS ALREADY ESCALATED TOO MUCH.\nLOOK CAREFULLY; AND CONFIRM WITH THE ATTACHED EVIDENCE.\XXXX  CHARGED ME THE FIRST MONTH, FOR A SIMPLE XXXX XXXX; AND THEY WANTED TO CHARGE ME $XXXX, FOR THE NEXT 5 MONTHS. SO I requested on time, the cancellation of my policy, number XXXX, on time, but XXXX  refused and demanded proof of the new insurance, to cancel me. So, they canceled my service on XXXX XXXX XXXX three days before my first month with them was due to end. Therefore, XXXX  must reimburse me for the last three days, from XXXX XXXX XXXX XXXX XXXX. However XXXX  after deny to cancel me, at last of the first month, had inflated the first month's price to scam me out of XXXX. \nPlease see attached files.XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
FTC REPORT NO : XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA To Whom It May Concern, I am writing to dispute the accuracy and validity of certain accounts currently being reported on my EXPERIAN credit file. This letter serves as a formal dispute pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically under 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ). 
The accounts I am disputing are as follows : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

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 2025-06-20 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: CA

Complaint narrative:
Subject : False Late Payment Reported for XX/XX/year> After Loan Modification Violation of Fair Credit Reporting and Servicing Standards Complaint Details : I am filing this complaint against XXXX XXXX XXXX for false credit reporting and mishandling of my mortgage account following a loan modification. 

On XX/XX/year>, I signed a loan modification agreement with PennyMac Which was signed and accepted by XXXX On XXXX XXXX. The agreement clearly states : Borrower promises to pay the new principal balance plus interest to the order of lender. Interest will be charged on the new principal balance at the yearly rate of XXXX  %, from XX/XX/year>. Borrower promises to make monthly payments of principal and interest of XXXX {$2000.00} beginning on the XXXX day of XX/XX/year>. 

This means : No mortgage payment was due for XX/XX/year> the first modified payment is due XX/XX/year>. 

Interest that would have accrued for XXXX was included in the modified principal balance and is now part of the restructured loan. 

The XXXX lead time between modification execution and first payment due ( as standard in mortgage servicing and required by Regulation X ) was also observed. 

Despite these facts, XXXX improperly reported a late payment for XX/XX/year> to the credit bureaus. This is incorrect and damaging : I was not contractually obligated to make a payment in XXXX. 

There was no missed or late payment, as the new repayment schedule was clearly defined to begin in XXXX. 

This inaccurate reporting has harmed my credit standing, which XXXX affect my ability to qualify for future credit. 

I contacted XXXX to dispute this report, but they have not taken corrective action. 

I am requesting that the CFPB : Investigate XXXX for improper credit reporting. 

Require them to correct the false XX/XX/year> late payment with all credit bureaus. 

Provide written confirmation of the correction. 

XXXX XXXX 's internal procedures for compliance with mortgage servicing and Fair Credit Reporting Act ( FCRA ) regulations. 

I have provided a copy of the signed loan modification agreement and all related other supporting documents needed.

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