vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX CARD XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX Account Number : XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX - The personal data reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX To XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Request for Correction Dear Credit Bureau Representative, I am writing to formally dispute inaccurate information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 ( a ), which obligates data furnishers to report accurate and complete information. I recently obtained copies of my credit report and noticed discrepancies concerning the payment history for the following closed accounts : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1600.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) These payments were not missed, and I am requesting they be updated to reflect paid on time. 



XXXX. XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1100.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) These records are inaccurate. I am requesting correction of these entries to paid on time. 



Under FCRA 1681i, I am requesting that your agency conduct a reinvestigation of the information being reported for the above-mentioned accounts. These late payment notations are harming my credit profile and were reported inaccurately. I have attached screenshots and supporting documentation for your review.

Furthermore, as the account balances have been paid in full and closed, and since no accurate verification of the late payments can be provided by the data furnisher, I request the inaccurate late payments be removed and updated to reflect timely payment status. 

Please complete the reinvestigation within the required 30-day period and provide me with an updated copy of my credit report upon completion. In addition, please provide the name, address, and phone number of each data furnisher that was contacted during your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX To XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Request for Correction Dear Credit Bureau Representative, I am writing to formally dispute inaccurate information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 ( a ), which obligates data furnishers to report accurate and complete information. I recently obtained copies of my credit report and noticed discrepancies concerning the payment history for the following closed accounts : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1600.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) These payments were not missed, and I am requesting they be updated to reflect paid on time. 



XXXX. XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1100.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) These records are inaccurate. I am requesting correction of these entries to paid on time. 



Under FCRA 1681i, I am requesting that your agency conduct a reinvestigation of the information being reported for the above-mentioned accounts. These late payment notations are harming my credit profile and were reported inaccurately. I have attached screenshots and supporting documentation for your review.

Furthermore, as the account balances have been paid in full and closed, and since no accurate verification of the late payments can be provided by the data furnisher, I request the inaccurate late payments be removed and updated to reflect timely payment status. 

Please complete the reinvestigation within the required 30-day period and provide me with an updated copy of my credit report upon completion. In addition, please provide the name, address, and phone number of each data furnisher that was contacted during your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 writing to express my deep concern regarding several unauthorized accounts associated with my personal information. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant 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 2025-04-08 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: WA

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youXXXXimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions.

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries.

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of 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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: ID

Complaint narrative:
I made an auto insurance premium payment to XXXX XXXX XXXX using Keybank XXXX XXXX XXXX XXXX, Idaho On-line bill pay on XX/XX/year> in the amount of {$1600.00}. Subsequently I changed insurance companies and received letter dated XXXX from Travelers that they refunded {$990.00} to a credit card ending XXXX which is not my card as my original payment showed as a debit on my checking account statement. I have contacted and met personally with the bank branch manager to get my refund and was told they use a third party to make on line bill pay payments and they would research to get my refund. To today they still have not refunded my {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Buy/CBNA XXXX XXXX  XXXX XXXX XXXX , SD XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account.

Please provide me with the name and address of the bonding agent for Grand Best Buy/CBNA, in case legal action has to be taken.

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter.

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 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 2025-04-08 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 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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1- Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2-

Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3- Attached Documentation : I have attached the following documents to verify my identity and process my request : g. A copy of my drivers license or government-issued ID.

h. A copy of a recent utility bill or bank statement confirming my current address.

i. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank has charged me an interest fee for a card that was paid in full before the next closing date of XX/XX/year>. This card balance was obtained from their website and was stated as theCurrent Balance which would lead a consumer to believe this is their said current balance. Much to my dismay I have learned that the Current Balance does not mean such! Then the word current should not be used as the verbiage as it is false truth. It isnt until one goes through this process and learns that the balance is inaccurate because of daily interest. I find it odd that in a world when one uses their credit card the transaction immediately appears on the account yet with all the technology we have at our fingertips the daily interest rate is not updating daily. I feel this is deliberately done in an effort to mislead the unsuspecting consumer! I attempted to resolve the with Chase through their Customer Service and was denied and the reason for bringing to CFPB.

Company response to consumer: Closed with monetary relief