vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-12 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear XXXX Madam, On XX/XX/year> I called Citibank XXXXXXXX XXXX XXXX and requested them to help me understand unauthorized Citi Flex plan details and upon conversation the Customer support team advised me that there was an error and a mistake on the Citibank 's credit cared statement and I need not pay the balance, additionally he said that he has already put a note that there is an error on the Credit card statement. Post which the reversal of the payment was reinstated, I reached out to the Citibank more than XXXX times by phone, chat and email, I did not receive any clear justification on the charge, rather I was put on hold for multiple hours, disconnected and not respected. As I was not clear of the charges and started questioning the statement as a fraud or an event of stolen Identity, Citibank posted a negative remark on my XXXX XXXX, I wrote to all the XXXX Bureaus, and they advised me to reach out to Citi who are now not co-operating and have not responded to my emails. I used to get multiple missed calls and Automated calls from Citibank harassing me to pay the balances and when I called them they used to put me in long Holds and disconnect the calls. The whole Order has been mentally and emotionally stressful and difficult. 

I will be attaching the details of the same in the complaint.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute and fraud affidavit regarding a derogatory account reported under the name XXXX, associated with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize this account, and I am asserting that it is fraudulent. I demand its immediate deletion from all credit bureaus. 

Your own records state : Date of First Delinquency ( DOFD ) : XX/XX/XXXX Last Payment Received : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX The dates provided confirm your blatant violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681c ( a ) ( 4 ) and FCRA 623 ( a ) ( 5 ) ( A ), creditors must charge off and report the DOFD within 180 days of the last payment. Your timeline exceeds this limit by over 8 months, constituting illegal re-aging and willful noncompliance.

Violations Committed : FCRA 15 U.S.C. 1681s-2 ( a ) : Reporting inaccurate and outdated information FCRA 15 U.S.C. 1681s-2 ( b ) : Failing to properly investigate upon notice of dispute FCRA 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting a charge-off beyond 180 days of delinquency FDCPA 15 U.S.C. 1692g : Failure to provide proper debt validation FDCPA 15 U.S.C. 1692e : False and misleading representation of a debt FTC v. XXXX XXXX XXXX XXXX : XXXX ruling re-aging is a deceptive, unlawful practice You have not provided any legally sufficient validation of this debt. No original signed agreement, no proof of ownership, and no lawful assignment contract has been submitted. Continuing to report this account constitutes malicious and negligent defamation of my character and credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted SoFi because my investment account was restricted, preventing ACH deposits, withdrawals, trading, and an XXXX  transfer to XXXX. I requested information on why the account was restricted and what was needed to lift the restriction. SoFi stated they would submit a request to XXXX XXXX, their clearing firm, to remove the restrictions. They verbally confirmed submitting requests on XX/XX/XXXX and XX/XX/year>, but provided no proof, explanation of the restrictions cause, or updates on the requests status despite my multiple follow-up calls. I also requested an XXXX  transfer to XXXX, which SoFi did not object to, but the restriction prevents processing. Previously, I mistakenly initiated an XXXX  transfer into my SoFi account, which was accepted, but the ongoing restriction now blocks any outgoing transfer. The lack of communication and resolution from SoFi and XXXX XXXX has locked my funds, causing financial hardship. I seek removal of the restriction and completion of the XXXX transfer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed with XXXX  to investigate origin of the collection no proof or documents provided of investigation just updated on my credit report and never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights XXXX. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit was exposed to the data branch someone tried using my credit for loans and other things and made over a lot of hard inquiries I have not made

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 2025-05-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Who : The company reporting this account is XXXX XXXX XXXX ( Account number partially listed as XXXX ). 

What : A collection account for {$2000.00} has suddenly appeared on my credit report with a reported open date of XX/XX/XXXX, and balance updated on XX/XX/XXXX. This account is being reported as a new collection, but according to the information provided, it is scheduled to remain on my credit report only until XX/XX/XXXX. This implies the original debt is from XXXX or earliermore than XXXX XXXX XXXX. 

When : The collection account status was updated in XX/XX/XXXX and the balance updated in XX/XX/XXXX, yet it was not previously reported. This sudden appearance is suspicious and inconsistent with accurate credit reporting timelines. 

Where : This account is being reported on my credit file, and it appears under the name XXXX XXXX XXXX. 

Why ( complaint reason ) : The timing and age of the debt indicate it is likely beyond the statute of limitations for reporting ( typically XXXX years from the date of first delinquency ). The debt has suddenly appeared as newly opened in XXXX, though it must have originated well before then if it is to be removed in XX/XX/XXXX. This appears to be a form of re-aging the debt to make it appear more recent than it actually is, which XXXX be a violation of the Fair Credit Reporting Act ( FCRA ). I have never received a validation notice from XXXX XXXX XXXX and request full validation of the debt.

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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding XXXX of my accounts. It is currently showing a late payment ; however, this payment was made on time. Accurate reporting is required by consumer reporting standards, and this account has never been delinquent. 

For your reference, I have attached a copy of my credit report highlighting the discrepancy, originally dated XX/XX/year>. I am formally requesting that you investigate this matter and provide verifiable documentation to support the reported late payment. 

If the information can not be substantiated, I respectfully request that the record be corrected to reflect an on-time payment without delay. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding XXXX of my accounts. It is currently showing a late payment ; however, this payment was made on time. Accurate reporting is required by consumer reporting standards, and this account has never been delinquent. 

For your reference, I have attached a copy of my credit report highlighting the discrepancy, originally dated XX/XX/year>. I am formally requesting that you investigate this matter and provide verifiable documentation to support the reported late payment. 

If the information can not be substantiated, I respectfully request that the record be corrected to reflect an on-time payment without delay. 

Thank you for your prompt 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