vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: HI

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and XXXX  Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank have been charged me every month {$35.00} dollars and {$40.00} XXXX months for late fees and other fees. My due date is every XXXX of each month. Sometimes the due date falls on the weekends, i made my payments on time and I personally walked into the bank to make my payments and also I paid much more than the minimum amount. I have talked to the bank supervisor to request these fees to credit back into my credit card and they said that Im not entitled to any fees credit back.

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 monetary relief
Consumer complaint received 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX this is XXXX XXXX my debit card number is XXXX and my checking account number is XXXX. 
So recently around two weeks ago, I noticed bunch of transactions from rolla.com and these transactions were not made by me. 
These are all fraud on my account which I did not make again for the second time today in the mail. I received a letter from you guys saying we are not able to honor your claim which I was literally about to sit down and cry to myself because you guys are accusing me of charging XXXX or {$7000.00} of these random transaction from this merchant on my account. This is not right at all. This needs to be resolved correctly and I need my money back ASAP. 
I will also go ahead and contact the CFPB complaint and tell them what's going on because this is not right at all. You guys are accusing me of charging XXXX around XXXX these random transaction from this merchant on my account. This is not right at all. This needs to be resolved correctly and I need my money back ASAP. 
I will also go ahead and contact the CFPB complaint and tell them what's going on because this is not right at all. You guys are accusing me of fraud which which I don't know who or how these guys are someone made on my account and this needs to be resolved ASAP and correctly. This is not right at all what I'm going through. I have a family I have kids. I need my money back. 
So please take this into the into consideration. Again, for the fourth time, these charges were not made by me. I don't know who I don't know how got into my bank account or who did these or how I have no clue so please take this into consideration and open up the dispute back up because this needs to be resolved correctly or I will take legal action. 
Please thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I noticed a bankruptcy on my credit report from Experian. This bankruptcy does not belong to me but to my father. That same day I opened a dispute to which I received a resolution stating " The dispute for the bankruptcy names XXXX XXXXXXXX XXXX XXXX XXXX  has not been changed and will remain on your credit report '' I opened a second dispute to which I received the same resolution. I opened a third dispute and also sent all case details including proof of the two different SSNs via certified email to Experian in XXXX TX. Once again I received the same resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Affidavit of Identity Theft and Fraudulent Business Activity XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ( Age XXXX ) SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Subject : AFFIDAVIT Identity Theft, Unauthorized Inquiries, and Fraudulent Business Account Closure Request Dear Sir or Madam, I, XXXX XXXX XXXX XXXX am submitting this affidavit to formally dispute and report fraudulent activity discovered on my credit report. This includes unauthorized credit inquiries and the fraudulent establishment of a business account under my identity. 
I am a victim of identity theft and have never applied for any credit cards, opened any business accounts, or authorized any third party to do so on my behalf. Specifically, I affirm that I do not own, nor have I ever owned or operated, any business by the name of XXXX XXXX XXXX XXXX. Any business account or credit activity linked to that entity is fraudulent and should be immediately closed and removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws, I assert the following rights : Applicable Federal Laws : 15 U.S.C. 1681b ( Section 604 ) : No consumer report may be furnished without my written consent or a legally permissible purpose. I provided neither.

15 U.S.C. 1681c ( a ) ( 5 ) : Credit reports must not contain obsolete or inaccurate information. Fraudulent inquiries and accounts fall under this category.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false or inaccurate information to consumer reporting agencies is unlawful.

15 U.S.C. 6802 : My personal financial information can not be lawfully disclosed to nonaffiliated third parties without proper notice and opportunity to opt out. 
18 U.S.C. 1028 : Identity theft is a federal crime, and any use of my identity without consent is prosecutable under this statute.

I Request the Following Actions : 1. Immediate removal of all unauthorized credit inquiries and business-related information associated with XXXX XXXX XXXX XXXX XXXX 
2. Closure of any business or commercial accounts opened using my name, SSN, or any personal identifying information.

3. Written confirmation that these actions have been completed and a clean credit report reflecting the corrected information. 
This affidavit is made in good faith and under penalty of perjury. I respectfully demand your prompt attention and resolution. Should these matters remain unresolved within 30 days of receipt, I will pursue remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 2025-06-03 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: TX

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
I called credit bureau to remove names and addresses that didn't belong and didn't know why it was on my report. They told me they would resolve the issue ( back in XXXX ), they even did it over the phone and verbally confirmed that they did remove the names and addresses off my report. Today as XX/XX/XXXX i still can see the problem still occurs, the bureau failed to do their job. Also used credit builder apps to dispute theses errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
I called credit bureau to remove names and addresses that didn't belong and didn't know why it was on my report. They told me they would resolve the issue ( back in XXXX ), they even did it over the phone and verbally confirmed that they did remove the names and addresses off my report. Today as XX/XX/XXXX i still can see the problem still occurs, the bureau failed to do their job. Also used credit builder apps to dispute theses errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint as part of my legal record before litigation under the Fair Credit Reporting Act ( FCRA ). 

From XX/XX/XXXX to XX/XX/XXXX, Comenity Capital Bank illegally re-aged my XXXX account by reporting a new charge-off every single month for 24 consecutive months. Under FCRA 623 ( a ) ( 5 ), a charge-off can only be reported once. Comenitys actions falsely made it appear as if I was entering default every month, even though the original charge-off occurred in XXXX. This was not a clerical error it was intentional and harmful. 

I paid the account in full on XX/XX/XXXX. Comenity issued a deletion letter dated XX/XX/XXXX stating the account would be removed. Despite that, the account continued reporting with charge-off status in XX/XX/XXXX, and was only deleted after I filed legal demands and CFPB complaints. 

I mailed certified legal notices on XX/XX/XXXX and XX/XX/XXXX. I also lawfully requested my full consumer file, dispute investigation history, and verification records under FCRA 609. Comenity refused to comply, falsely stating those records are only provided in identity theft cases which is a violation of federal law. 

As a direct result of Comenitys ongoing and illegal credit reporting : I was denied business and personal credit I was forced to use my personal savings to fund my company I needed a co-signer for a car loan with a high XXXX I was denied housing based on credit score I now pay $ XXXX in car insurance due to suppressed credit I experienced prolonged emotional distress during XXXX and XXXX XXXX Comenity never offered relief, never acknowledged wrongdoing, and never responded to my formal legal demands. Prior CFPB complaints were dismissed with no monetary relief, despite clear FCRA violations and extensive harm. 

I am no longer seeking correction from Comenity I am preparing to sue under FCRA 609, 611, 616, and 617. This CFPB complaint is submitted strictly to document Comenitys pattern of financial abuse, ongoing violations, and deliberate refusal to resolve harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX / XXXX Email : [ Your Email, if available ] Date : XX/XX/XXXX To : Comenity Capital Bank XXXX. XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Subject : Fraudulent Account Dispute Account Ending in XXXX Dear Comenity Capital Bank Fraud Department , I am writing to dispute an account that has been fraudulently opened using my name and personal information. I recently reviewed my credit report dated XX/XX/XXXX, and noticed an unfamiliar and unauthorized account listed under your institution. 

Account Details : Name on Account : XXXX XXXX XXXX Address on File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX Phone Numbers : XXXX / XXXX Account Number ( last four digits ) : XXXX Balance : {$560.00} Credit Limit : {$350.00} Account Type : Revolving ( Charge Account ) Status : Charged Off Activity Designator : Closed Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Comment : Charged Off Account Closed by Credit Grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Cornerstone debt collectors called sting that I owe {$12000.00} on a XXXX XXXX  i completed XXXX  years ago. There was no previous attempt to collect the debt and it was not reported to the credit bureau. The company XXXX also had a data breach that was reported about XXXX  months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
XXXXXXXX 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