vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I am writing to formally dispute XXXX violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning the reinsertion of a previously deleted account without proper notification and verification. This action not only breaches my consumer rights under federal law but has also caused undue harm and distress. 

According to Section 611 ( a ) ( 5 ) ( B ) of the FCRA, if a credit bureau reinserts previously deleted information into a consumers credit file, it is required by law to provide written notice to the consumer within five business days. In this case, Experian failed to notify me after re-reporting an account that was previously removed. I did not receive any written communication or verification regarding this reinsertion, which is a direct violation of the FCRA.

Furthermore, Experian has failed to verify the accuracy and legitimacy of the reinserted account. Under Section 611 ( a ) ( 1 ) ( A ), any information disputed by a consumer must be verified with the furnisher before it can be reported again. Despite multiple attempts to obtain documentation or evidence supporting this account, no such verification has been provided.

This lack of verification and failure to notify me constitutes non-compliance with federal law and has negatively impacted my creditworthiness and financial opportunities. I am requesting immediate action to : 1. Permanently remove the reinserted account unless full and proper verification is provided, 2. Provide all documentation related to the verification process of the disputed account, 3. Confirm in writing that Experian will comply with the FCRA reinsertion requirements moving forward.

I have uploaded all of the proper documentation including FTC reports, State Issued ID, Bill, and previous deletions from Experian. I have also mailed priority mail to Experian as well with tracking numbers.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information on my credit report

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Dear CFPB Representatives, XXXX XXXX XXXX  response does not correct multiple FCRA violations. Their response took over 30 days and the report is still incorrect. 

I am writing to request your intervention regarding XXXX XXXX XXXX ongoing failure to resolve critical inaccuracies in their reporting of my account to the credit bureaus. Despite repeated attempts to address these issues, their investigation has far exceeded the 30-day statutory timeframe required by the Fair Credit Reporting Act ( FCRA ), and their response fails to address the violations adequately.

Key Issues with XXXX XXXX XXXX Credit Reporting : Excessive Investigation Timeline : Under Section 611 ( a ) of the FCRA, disputes must be investigated and resolved within 30 days ( or 45 days if additional information is provided ). XXXX XXXX XXXX investigation has exceeded this timeframe, with no resolution or sufficient explanation provided. 

Misclassification as Deceased : My credit report was erroneously flagged as deceased, which has caused significant financial and reputational harm. XXXX XXXX XXXX response fails to directly address this error or confirm corrective actions, violating Section 607 ( b ), which mandates accuracy in reporting.

Persistent Reporting Errors : XXXX XXXX continues to report inaccurate information regarding the account, including potential reaging of the account, which extends the negative reporting period without justification. This practice is a direct violation of Section 623 ( a ) ( 5 ). 

Failure to Address FCRA Violations : The letter provided by XXXX XXXX does not fully acknowledge or rectify the outlined inaccuracies, nor does it address their obligations under the FCRA to provide accurate, timely, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A debt collection has been added to my credit report that I do not own and never owned, I have disputed it and they wouldnt provide a prove of ownership.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: TX

Complaint narrative:
Ive filed 3 credit disputes through XXXX XXXX on this financial institution. 

Once in the month of XXXX after satisfying the loan balance and twice in the month of XXXX after receiving responses of inaccurate information from Chime in regards to the disputes filed. 

XX/XX/XXXX was my 5th and final time contacting the financial institution and actually being able to speak

too two representatives. I complained of wanting to dispute the status and balance their reporting as well as file a complaint on the institution as a whole for the false reporting, emotional distress, and the time this has taken out of my day for now almost 2 months to get this inaccurate information removed from my credit report. The representative was able to see the proof of payment that was debited from My Chime Checkings account as well an informed her I had a payment confirmation email from Chime for the payment. Even with proof and the representative confirming she sees the payment, more information was requested from me and I have yet to receive a response or see the reporting removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
Company use my credit report and improperly violating the privacy act of 1974 also creating a Finacial hindrance to me and my family And I do not have a contract. Nor have I ever had a contract with these companies. And I'm demanding that they produce the original wet ink signature on the original contract. No copies of any sort.

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 2025-04-06 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: CA

Complaint narrative:
Company use my credit report and improperly violating the privacy act of 1974 also creating a Finacial hindrance to me and my family And I do not have a contract. Nor have I ever had a contract with these companies. And I'm demanding that they produce the original wet ink signature on the original contract. No copies of any sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information on my credit report

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 2025-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Company : Citi ( Macys Store Card ) Product : Credit card Issue : Charged late fees endlessly when the company made it impossible to pay What happened : I got a Macys Store Card, which is issued by Citi Bank. In last XXXX, I purchased a product for around {$20.00}. I received an email reminder to pay the bill, and I logged into my account to pay it off. 

However, I tried many times over the next few months to make the payment through their website, and it never worked. After several attempts over the last few months, I realized it wasnt a technical glitch there was simply no option or button on their website that allowed me to pay. This issue continued for months. 

Even though I kept trying to pay, the company kept adding late fees every month. Now they are asking me to pay around {$170.00} in late fees, even though the only reason I couldnt pay was because their website wouldnt let me. 

This is absolutely unacceptable. Who gives them the right to keep charging customers extra money for something that was clearly their own fault?

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect personal information on my credit report

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
On XX/XX/year>, I received a call ( fake ) ( from Bank of Umqua telling me that they had detection and wanted me to verify if I had made some charges were made by me or some charges or not. He wanted to verify some things that proved I was who I really the account holders. First he add to confirm my home address, which I gave him. Next he asked if I had my debit card or if it was lost or stolen. I verified I had my debit card in my possession. Next he asked me to verify the debit card number to prove it had not been lost or stolen. I provided the card number and expiration date, but didn't give him my 3-digit code number on my card. Then he asked for my date of birthday and social security number. I told him that I didn't feel comfortable giving out that information and ended the call. He tried to call me 11 more times and I didn't answer the call. The " caller '' first called my husband, but he as already on a call and told him so. So, then he called 11 more times and I didn't answer any more of his calls. A couple of days later my bank called me and said they thought fraudulent had been made on my card. I verified the charges weren't mine. I went to the bank and the manager gave me a printout showing the charges : They moved two figures of {$4500.00} and {$5000.00} charges for $ XXXX/ea to XXXX XXXX IN TN. Then there we charges totaling {$3700.00} ( between XXXX XXXX ) to XXXX *XXXX  XXXX & XXXX XXXX NJ. Finally, they took the remaining {$4800.00} from my account. XXXX denied all charges because they were Point of Sale ( POS ) ( which I don't understand ). I'm XXXX yrs old and were going to use that money to buy a house. Now we're short now more than {$9500.00} and some change.

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 2025-04-06 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: CA

Complaint narrative:
block now please under setion 605 b permanently block XXXX  they keep sending letters in my name for reassignment why would i send a identity theft report if i wanted these fraudulent idems put back on? iv never sent a letter but transunion has 5 i have 5 letters with my name that i did not send fraud and they keep changing name dates and status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
block now please under setion 605 b permanently block XXXX  they keep sending letters in my name for reassignment why would i send a identity theft report if i wanted these fraudulent idems put back on? iv never sent a letter but transunion has 5 i have 5 letters with my name that i did not send fraud and they keep changing name dates and status

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 2025-04-07 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: GA

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence.

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information :

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 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-04-07 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:
Under the Fair Credit Reporting Act ( FCRA ), I feel that my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C. 1681, have been blatantly violated by the accounts and inquiries listed below. This isnt just a technical issue for meits personal. It undermines the trust I have that my private information is safe and respected.

From my perspective, these are the ways my rights have been trampled : * 15 U.S.C. 1681, Section 602 ( A ) : The law guarantees me the right to privacy, something I hold dear. Seeing these inquiries pop up on my report without my permission makes me feel exposed and unprotected.

* 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) : This section says no one should be able to pull my credit information without my written consent. I never gave anyone permission for these inquiries, and it frustrates me to see them there like I dont have a say in my own life.

* 15 U.S.C. 1681c ( a ) ( 5 ) : The law states that negative information older than seven yearsexcept criminal convictionsshouldnt be on my report. If these inquiries are that old, I dont understand why theyre still haunting my credit history. 

* 15 U.S.C. 1681s-2 ( A ) ( a ) : No one should be allowed to report something about me if they know its wrong. These inquiries dont reflect my actions or choicesthey dont belong to me, and they shouldnt be tarnishing my name. 
Because of all this, I demand the immediate removal of the following inquiries from my credit report. I dont recognize them, and I never approved them : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX All of these are not under my name they are under the name XXXX XXXX I need to have these all removed from my credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: NC

Complaint narrative:
Subject : Citi Bank Failed to Provide Provisional Credit During Fraud Investigation ( Dispute ID : XXXX ) To Whom It May Concern : I am filing this complaint to report Citi Banks failure to comply with federal consumer protection laws in relation to a dispute I filed regarding unauthorized charges on my account due to identity theft. 

On XX/XX/year>, I reported fraudulent activity to Citi Bank and filed a formal dispute under Dispute ID : XXXX. My card had been lost or stolen, and multiple unauthorized transactions were made without my knowledge or consent. I promptly followed Citis procedures, including submitting required documentation and communicating with their fraud investigation team.

Despite this, Citi Bank has failed to issue a provisional credit to my account while the investigation remains open. This delay is placing a significant financial burden on me as a consumer and appears to violate federal law.

Specifically : For credit card transactions, the Fair Credit Billing Act ( 15 U.S. Code 1666 ) requires that creditors acknowledge a dispute within 30 days and resolve it within two billing cycles ( not exceeding 90 days ). During that time, the creditor must not attempt to collect the disputed amount or report it negatively to credit bureaus.

If the disputed transactions involved my debit card, then Citis failure to issue provisional credit is a violation of the Electronic Fund Transfer Act ( 15 U.S. Code 1693g ) and Regulation E ( 12 CFR 1005.11 ). These regulations require banks to complete their investigation within 10 business days or issue a provisional credit if more time is needed. That has not occurred.

I have contacted Citi Bank multiple times for an update or resolution, but to date, no provisional credit has been issued and the matter remains unresolved. This is unacceptable, especially for a victim of identity theft who is trying to restore financial stability.

I am requesting the CFPB to investigate Citi Banks handling of this dispute and ensure that they issue the appropriate provisional credit and follow all required federal guidelines to protect consumers.

Thank you for your attention to 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 explanation
Consumer complaint received 2025-04-07 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: CT

Complaint narrative:
I am sending to formally dispute an entry on my credit report related to an account with a {$0.00} balance. The account in question is currently labeled as a charge-off, despite having been paid in full with no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

The specifics of the disputed account are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is negatively impacting my credit score and financial well-being. This misinformation is not only misleading but also has the potential to impede my access to credit and financial services when needed.

Efforts have been made on my part to rectify this situation by ensuring the account is fully paid, with no remaining balance. Consequently, reporting this account as a charge-off is unjust and misleading. I am fully compliant with my financial obligations and am entitled to an accurate reflection of my creditworthiness.

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