vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am requesting the deletion of the accounts listed below from all credit bureaus. I am under time pressure due to loan underwriting. I am currently undergoing a mortgage loan review with a lender, and unresolved items are materially impacting my ability to proceed. This request is made under FCRA 611, and I ask for an expedited deletion due to previous reinvestigation results and resolve to prevent undue financial harm. It has already been deleted by Experian/Equifax following a reinvestigation and failure of the data furnisher to verify its accuracy.

Under the Fair Credit Reporting Act 611 and 623, if the furnisher failed to verify this item with another national credit reporting agency, that same furnisher can not verify it with yours. Continued reporting raises serious concerns about the reliability, accuracy, and procedural fairness of the item.

Please conduct an immediate reinvestigation and delete this account. I am attaching documentation confirming deletion by Experian/Equifax/TransUnion as further evidence . 
The accounts to be deleted are : XXXX XXXX  - Updated on Experian ( Please delete from Equifax and Transunion ) XXXX XXXX XXXX- Updated on Experian ( Please delete from Equifax and Transunion XXXX XXXX Payment History- Updated on Equifax ( Please delete from Experian and Transunion ) Best, 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 2025-07-02 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: GA

Complaint narrative:
I am requesting the deletion of the accounts listed below from all credit bureaus. I am under time pressure due to loan underwriting. I am currently undergoing a mortgage loan review with a lender, and unresolved items are materially impacting my ability to proceed. This request is made under FCRA 611, and I ask for an expedited deletion due to previous reinvestigation results and resolve to prevent undue financial harm. It has already been deleted by Experian/Equifax following a reinvestigation and failure of the data furnisher to verify its accuracy.

Under the Fair Credit Reporting Act 611 and 623, if the furnisher failed to verify this item with another national credit reporting agency, that same furnisher can not verify it with yours. Continued reporting raises serious concerns about the reliability, accuracy, and procedural fairness of the item.

Please conduct an immediate reinvestigation and delete this account. I am attaching documentation confirming deletion by Experian/Equifax/TransUnion as further evidence . 
The accounts to be deleted are : XXXX XXXX  - Updated on Experian ( Please delete from Equifax and Transunion ) XXXX XXXX XXXX- Updated on Experian ( Please delete from Equifax and Transunion XXXX XXXX Payment History- Updated on Equifax ( Please delete from Experian and Transunion ) Best, 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My name is XXXX XXXX and I am an XXXX XXXX service member stationed in Louisiana. Recently my Amex card was charged off but before hand I was attempting to lower my interest rates from XXXX XXXX  to XXXX percent per LA RS29:312 that would lower my interest rate to XXXX percent. I have been attempting since before it was charged off and cancelled to lower my interest rate. For the life of the card it was at XXXX XXXX and I was looking to get a refund for the incorrect interest charged on my card. 
Bellow contains the link stating a reduction of interest XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
In XXXX, I received a phone through the mail that later stopped working due to a hardware defect the internal XXXX card reader was broken. The device was under warranty, and I reasonably assumed a replacement would also be sent through the mail. However, I was later told that the only way to get a replacement was to travel over four hours to a physical store. This was not possible for me due to financial and transportation hardship, and I was not given any alternative option. 

I later found out that a {$120.00} charge related to this issue had been sent to collections. I disputed the debt through the credit bureaus in XXXX, but the dispute was denied. It was re-added to my credit report, which caused my score to drop by over XXXX points. 

I attempted to resolve this situation in good faith, and I do not believe this collection is valid. I am asking that the account be removed from my credit report or that a fair and reasonable resolution be offered that reflects the full context of what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I previously filed a complaint regarding XXXX inaccurate credit reporting and failure to investigate a dispute. Despite submitting all the required documents and evidence, Citibank did not resolve the issue and never provided any verification or response. The CFPB closed the case even though Citibank did not help or fix anything. The account is still harming my credit report. 

Citibank is violating the Fair Credit Reporting Act by reporting unverifiable or inaccurate information, and by failing to respond properly to a consumer dispute. 
Escalation of Unresolved Complaint CFPB Failed to Enforce My Rights I am writing to formally escalate an unresolved consumer protection matter involving Citibank and the Consumer Financial Protection Bureau ( CFPB ). Despite following all proper procedures, filing a complaint through the CFPB, and submitting the necessary evidence, the issue has not been resolved and my consumer rights under federal lawspecifically the Fair Credit Reporting Act ( FCRA ) have been violated. 

The company, Citibank, falsely claimed it responded to my complaint, but I never received any communication, verification, or resolution. Citibank continues to report inaccurate or unverified information on my credit report, causing significant and ongoing harm to my financial reputation. The CFPB closed the case without ensuring the company followed the law or resolved my complaint. 

This failure to act leaves me with no choice but to request further intervention. I respectfully ask your office to review this case, as it involves : Violation of FCRA ( failure to investigate or verify disputed information ) Failure to correct or remove inaccurate reporting Lack of response to federally submitted complaint Continued damage to my credit report and financial well-being I am requesting a full re-investigation of this matter and enforcement action if necessary. Citibank must either provide documented proof of the account or immediately remove the inaccurate information from all credit reporting agencies. 

Thank you for your time and attention to this serious matter. I look forward to your response.

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 2025-07-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} 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$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-02 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: KY

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-02 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:
Look Ive been disputing XXXX accounts for the past XXXX  months and nobodys helping me, this is willful non-compliance at this point. I got XXXX XXXX XXXX  accounts and XXXX XXXX account that never shouldve stayed on my credit this long, and the bureaus just keep stalling. 

XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX The worst part is, these XXXX XXXX XXXX  accounts were REMOVED before and now they got reinserted back on my report with no warning, no letter, no proper verification. Ive done phone calls, mailed letters, sent ID and everything since last year. Still nothing. Ive had enough. This aint how the FCRA supposed  to work.

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 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
a copy of the alleged lease agreement for the dates they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: KY

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX 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 2025-07-02 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX  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 2025-07-02 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: WV

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 2025-07-02 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

ACCOUNTS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a confirmed victim of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ), along with a copy of my government-issued photo ID, Social Security card , and proof of current address. Despite full documentation and compliance with federal requirements, both Experian and Equifax are reporting fraudulent personal information on my credit reports. 

They continue to list unauthorized names, old/fraudulent addresses, false employers, and accounts that I did not open. These items were clearly documented in my identity theft affidavit and should have been blocked or removed within 4 business days under 15 U.S.C. 1681c-2 ( a ).

I sent formal dispute letters requesting deletion of this information and demanded the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Neither company has provided verification nor have they deleted the data as required by law.

Company response to consumer: Closed with non-monetary relief