vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate negative mark that appears on my credit report, which I believe to be incorrect and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in investigating and resolving this matter. 

Specifically, I have never missed a payment on account number XXXX with XXXX XXXX. However, both Experian and Equifax are showing a 30-day late payment, while TransUnion correctly reflects no late payment history. I want to emphasize that I have no late payment history on any of my accounts across all creditors.

I am requesting that the inaccuracies reflected in the Experian and Equifax reports be promptly removed and that my credit report be updated and corrected across all three credit reporting agencies. 

Please find enclosed copies of relevant documents that support my claim, including my account history and recent credit reports. Should you require any additional information, I am happy to provide it. 

Thank you for your attention to this matter. Please keep me informed of the progress of this dispute. I can be reached at the contact information provided above.

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 2025-05-06 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-06 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I previously submitted a dispute concerning this account in XXXX and again in XXXX, your investigation concluded that the item would remain on my credit file. However, I continue to disagree with the outcome and firmly stand by my original position that the information is fraudulent. 

Under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act and 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to dispute these claims on the basis of fraud and inaccurate reporting. 

I dispute the accuracy of this account. I previously submitted documentation supporting my claim that the account is the result of identity theft, but the credit reporting agency failed to remove or correct the item. I maintain that this information does not accurately reflect my credit history. 

Please confirm in writing that my statement of dispute has been added to my file, as required by federal law. Additionally, I request that this inquiry be removed from my credit report. 
Per your last message, several points you raised as evidence are deeply concerning and suggest that your investigation may be fundamentally flawed. You referenced a XXXX policy, yet I have never used XXXX for car insurance at any point in my life. In fact, I have documentation from the time I first obtained my drivers license showing continuous coverage with my actual insurance provider, with no lapse. 

This leads me to question the integrity of your investigation. Was the policy number you referenced verified for authenticity, or even confirmed to have been active? Regarding the reported {$8500.00} down paymenthow was it made? Was it processed through a credit or debit card linked to my name? I find that highly improbable, as I have never been to the dealership in question and do not know the individual listed in connection with this account. 

I have strong reason to believe that the documents used to support your findings have been fabricated. This vehicle is not mine, which explains why no payments have been made by me and why no legitimate financial activity can be traced to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year> I received several emails from credit bureaus saying a hard credit check had occurred. After looking into it I found that syncb/lowes ran my credit. Someone opened a credit card using my information. I contacted syncb/lowes and told them it was fraud and they canceled the card and said it would take up to 60 days to get me a report of their findings. I contacted experian and told them the same thing and locked my experian account. I did not open, nor consent to opening a credit card or to have my credit pulled. I want to make a report so this doesn't happen again to anyone else.

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 2025-05-06 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-06 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: NC

Complaint narrative:
Someone Stole My Identity, My Social Security Number & Used My Name To Open Up An Account That I Did Not Authorize, I Did Not Authorize This Loan From " XXXX XXXX XXXX '' For {$3.00} This Account Is Not Mine, Please Delete This From My Credit Report ASAP. 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 2025-05-06 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: LA

Complaint narrative:
This is a follow-up to a previous complaint I submitted. IQ Data is reporting a collection account related to a lease I signed but never followed through with due to a sudden personal emergency. Although I picked up the keys, I never moved into the apartment and returned the keys to management immediately. 

Despite this, IQ Data is attempting to collect the full lease amount and has reported the debt to credit bureaus. I was never provided a move-in inspection, never took possession of the unit, and did not receive any documentation showing I was responsible for these charges. 

I am requesting a full investigation and that this account be removed from my credit report if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am writing to formally dispute a debt that you are attempting to collect on behalf of another party. I believe this account is inaccurately reported on my credit report. Please provide verification as well as any statements or documentation directly from the original provider that verifies your legal right to collect on this debt. Without out this I can not accept the legitimacy of this claim. I request that you provide the necessary documentation to confirm your authority to collect this debt. If you are unable to do so, I ask that you delete this account from my credit report immediately.Im

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX I am filing this complaint because Chase has unjustly locked my online banking and is closing my only valid account despite my history as a verified customer, my documented status as a victim of identity theft, and the fact that my account is currently in good standing. 

In XXXX, I filed an official police report for identity theft ( Case # XXXX, XXXX XXXX XXXX Police Department ) after discovering multiple fraudulent accounts were opened in my name going back to XXXX. I followed every proper step : filed a report with the FTC, froze my credit, and submitted documentation to the proper channels. Chase was made aware of this issue in the past. 

Since XXXX, I have responsibly maintained a Chase credit card account the only valid Chase account Ive ever had. While Ive had a few late payments, the account is fully current and has remained in good standing overall. 

On XX/XX/XXXX, I attempted to open a checking account to expand my relationship with Chase and manage payments more easily. Instead of support, I was locked out of online access and notified that my accounts will be closed. 

This is discriminatory, demeaning, and devastating to my financial life : This closure will negatively affect my credit report, putting my upcoming home purchase at serious risk. 

It XXXX block me from accessing necessary funding for my fathers XXXX XXXX treatment a critical and time-sensitive matter. 

It undermines my integrity and penalizes me for fraud I never committed, despite clear records showing I was the victim, not the cause. 

Ive done everything right. I reported the fraud, kept my valid account current, and attempted to expand my relationship with XXXX in return, XXXX being punished. 

If this is not immediately resolved and my account reinstated, I will escalate this through : Mainstream media outlets Regulatory agencies including CFPB, XXXX, and FTC XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX where I will publicly share my story Legal representation, if necessary This treatment is unacceptable and discriminatory, and I demand immediate corrective action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My XXXX payment that was made XXXX was not applied to my mortgage payment as I called into bankruptcy department and made the payment, which I called payment into Rushmore servicing for the length of time I was in XXXX  XXXX, the person for what reason didnt apply my payment to my monthly mortgage payment, which I didnt find out about this until I received a call from a person from Rushmore servicing company asking why I was 30 days late with my mortgage payment in XXXX of XXXX, I informed the collection person I never have missed a mortgage payment, she said after checking with this problem, that the person that took that XXXX payment didnt apply the payment she left it in lue. The trustee was never informed, my attorney was never informed. This company Rushmore servicing company waited till my XXXX  XXXX was discharged and then started The harassment, Rushmore servicing has reported I was 30 days late with my my mortgage payments to credit report people and my credit score has went down XXXX points. All what has been done to me for no know reason and is not true, I had to claim hardship with this Rushmore servicing company to keep them from foreclosing. Which made my payments higher which I struggle to make. I please need some intervention. Thank you for any assistance you can offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Here 's an improved and more structured version of your complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * *. It maintains a professional tone, organizes the facts clearly, and emphasizes the lack of proper investigation by Citibank : -- - * * Complaint Summary : Unauthorized Debit Card Charges and Lack of Investigation by Citibank * * In XX/XX/year>, I discovered multiple fraudulent transactions on my Citibank debit card. These transactions occurred in locations I had not visited, including XXXXXXXX XXXX XXXX XXXX XXXX. I rarely use this particular card and only noticed the charges when reviewing my account activity. Upon checking, I realized that the debit card was missing from my purse. I immediately contacted Citibank to report the unauthorized charges. 

During my initial call with Citibank, I informed the representative that the card was not in my possession, and I had no knowledge of how or when it was taken, nor who may have had access to it. The representative noted that the transactions were PIN-based and questioned whether I had written down my PIN. I confirmed that I had not and explained that I had used the same PIN securely for many years without issue. 

Despite submitting multiple dispute claims and escalating the matter to XXXX Presidential Complaint Department, my claims were denied solely on the basis that the transactions involved the use of a PIN. I provided all supporting documentation, including two police reports and case details from the detective assigned to investigate. The detective informed me that surveillance footage from ATMs or merchants could not be obtained without Citibank initiating the request. However, Citibank has made no effort to investigateno video footage was reviewed, no signature verification was conducted, and no substantive inquiry was made. 

To date, Citibank has denied my claims and refused to refund over \ {$5000.00} in unauthorized transactions, without conducting a thorough or good-faith investigation. I have repeatedly stressed that I did not authorize these charges and that the card was used fraudulently while outside of my control. 

I have been a loyal Citibank customer for over 20 years. I am appalled by the lack of due diligence and the bank 's decision to prioritize procedural technicalities over customer protection. This situation has caused significant financial and emotional distress to my family, and I am seeking assistance from the CFPB to ensure this matter is properly investigated and resolved. 
Details of dispute attached.

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