vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXX * * * * Balance : {$4300.00} XXXX OWNERSHIP XXXX Balance : {$38000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXX * * * * Balance : {$4300.00} XXXX OWNERSHIP XXXX Balance : {$38000.00}

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 2025-04-30 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: GA

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES STILL LISTED THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT.

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account 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 2025-04-30 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
recently seen a inquire regarding a Citi card with my name on it that I did not apply for contacted the company explain I never applied for a credit card that this is fraud.

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 2025-04-29 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:
Credit account was not paid due to medical and employment back in XXXX. Called creditor and told them this. Was TOLD to pay a settlement which I could afford at the time. Was never told it would be reported as a charge off. Checked credit report in XXXX and saw this. Called XX/XX/XXXX and was TOLD that if I paid the difference of the settlement and the full balance that was owed it would be removed from my credit report. Also sent documentation, names of person spoken with and confirmation number of the transaction to their dispute center. Also sent documentation to the credit reporting bureaus dispute centers. However, the creditor is not reporting the correct information I was told by their representative that took my payment in XXXX to square the account up. I talked to numerous representatives and they tell me they cant do anything even though I have names and confirmation numbers. The credit bureaus are stating the account was paid for less than the full amount. Although that was true in XXXX, it is not true now and I was told it would reflect as such. I have filed numerous disputes with no correct changes made reflecting that I paid the account in full and it was no longer to be reported as a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX. There are a long list iof inaccurate, incomplete information, with their practices improper ; however, the first step, requires this bank reappears, snd addressing the disputes, will be the second step, with all bureaus added, unless unacceptable to CFPB. My score plummeted XXXX pts, with the removal and have NO CREDIT HISTORY NOW! 
XXXX. ON XXXX XXXX, XXXX, I issued a dispute on the tel., with XXXX, with " several '' counts of improprieties. Per XXXX, I was prohibited from submitting dispute online, with the reason being, " for security reasons. '' BTW : INFO SUPPLIED IS SIGNIFICANTLY DIFFERENT BY THIS BANK. I hold XXXX  liable, as well. 
All are incomplete, inaccurate, etc. and with practices which prevents me from paying my entire bill. ( Per Bankers, I can not provide a payment which exceeds posted transaction balances, excluding the lending, POS, executed transactions. Those post, leaving me with a balance. I am permitted, if I say I want to make a payment, to increase my available credit. I provide atm cash payments to the branch, which clears immediately snd is reflected in my available bal. ; however, these will be EXCLUDED UNTIL THEY post, and NOT THE SAME DAY, rarely the next day, snd not reflected. They misreport the last payment, snd do not show the total payments. On XXXX, they show little to no dollar smts., when it was reported. On XXXX, they may show how much spent, exceeding the limit, snd only show XXXX payment, and NOT ALL, which is a XXXX balance, and sometimes negative. Deliberately defaming and deprecating me. Etc .. buresus know ehst is required, and let tgem do it. Second complaint will include tge 3 credit bureaus. 
XXXX. XXXX  did not give me the opportunity to appeal, snd all bureaus will NOT LET ME DISPUTE ANYTHING WHICH DOES NOT APPEAR. 
INCLUDED IN DOCS, is Experian attempting to justify XXXX XXXX XXXX Right to REMOVE ME FROM CREDIT REPORTS IN RESPONSE TO A DISPUTEs and Reporting Errors. I understand that to be untrue, per a Bank XXXX. If CFPB BELIEVES THIS IS TRUE, please tell me and cite the law. 
XXXX. Removing me was the action, coincidentally, shortly after my filed XXXX  dispute, which XXXX  EXCLUDES all! 
Retaliatory Action to create the most severe damage has occurred with my score plummeting XXXX pts., approx, and without any other open acct, and a closed charge off acct, ready to drop off, which in XXXX, that bank told me they will leave the delinquencies, etc., but will report paid. I was advised to not pay. 

I REQUESTED IMMEDIATE REPORTING, past present and future, being told by XXXX XXXX, Assist branch Mgr., open, NO INTENT TO CLOSE, and wrote XXXX XXXX  XXXX, XXXX XXXX XXXX to have this reinstated in reporting within 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Notifications related to account activity in regards to electronic transfers, payments, card use, changes, updates, statements, identity verification, personal information and overall access were not accurate relating to my knowledge and usage. It resulted in account being closed and continued use of linked debit card and external accounts which allowed unauthorized activity and payments. I have contacted customer support to escalate issue with no resolution or way to dispute unauthorized access or activity, nor prevent any further or continued use. I have requested statements in an attempt to combat the loss of funds and file disputes with other financial accounts that show unauthorized transactions after account closure. I also completed the identity verification process via link provided by customer support 's escalation as required, but was not able obtain access to the account and related bank statements. I have expressed my concerns of identity theft and fraudulent activity with no further instruction or response detailing the policy violations that was the determining factor for account closure. Email linked to my knowledge does not show correspondence related to account activity at all which is indicative of the account being hijacked, or compromised in a way to restrict access, and reroute information that would alert or expose security related issues in real time giving me knowledge thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am a victim of identity theft, and I am writing to file a formal complaint regarding several unauthorized accounts and inquiries that have appeared on my credit report. These items were opened without my consent, and I was unaware of their existence. These accounts and inquiries are a direct result of the unauthorized use of my Social Security number and personal information.

Under 15 U.S. Code 1681c2, I request the immediate removal of these unauthorized items from my credit file. Please ensure these items are deleted no later than XXXX days after receiving this letter. 

Disputed Items : XXXX ( Account : XXXX * * ) * * This account can not be verified. As per 15 U.S.C. 1681, it must be deleted immediately if it can not be substantiated by evidence. 

XXXX XXXX ( Account : XXXX * * ) * * This account was fraudulently opened under my name. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), once deleted, fraudulent accounts must not be reinserted without notice. I request the removal of this account immediately. 

XXXX ( Account : XXXX * * ) * * No proof has been provided for this debt, and I dispute its accuracy. Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, Mo. 281 SW 715 719 ), I may presume no debt exists. Please provide evidence of this debt or remove the account from my report immediately. 

XXXX XXXX  XXXX XXXX : XX/XX/year> ) This inquiry was unauthorized. As per 15 U.S.C. 1681b, I did not give consent for this inquiry, and it must be removed. 

XXXX XXXX  ( Account : XXXX ) No written consent was given for this account to be reported on my credit file. Under 15 U.S. Code 1681b, this account must be deleted immediately. 

XXXX ( Account : XXXX * * ) * * This account is reporting inaccurately and negligently. It is not in compliance with 15 U.S.C. 1681. As such, it must be deleted immediately. 

XXXX ( Account : XXXX * * ) * * This account is also reporting inaccurately and in violation of 15 U.S.C. 1681. It must be deleted immediately.

I respectfully request that the CFPB intervene to ensure these items are promptly removed from my credit report and that my credit file is corrected. These unauthorized entries have negatively impacted my credit score and financial well-being.

Thank you for your assistance in addressing this issue. I look forward to a prompt 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 2025-04-30 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ). I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Experian constantly sends back messages stating that the information is correct and allowing the debt collection agency to continue pushing back the dates on the supposed account which would prolong how long it is on my credit report. They also allow the debt collection company to continue putting late payment history on my credit report which looks as if I am constantly failing to make payments on something that I have acknowledged that I DO NOT owe.

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 2025-04-30 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: FL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-29 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: CA

Complaint narrative:
On XX/XX/year>, my vehicle was burned in the XXXX XXXX fires and considered a total loss. My insurance company sent a lump sum payment to my lender XXXX XXXX XXXX in the amount of {$65000.00}. The balance on the account was paid by me in the amount of {$1100.00} and the remainder from my GAP Insurance for {$1600.00}, which brought my account to a whole and fully paid off. XXXX reported a negative late payment for the months of XXXX and XXXX, even though there was no payment due. I have reached out multiple times to XXXX but haven't been successful in getting this matter resolved.

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 2025-04-29 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: FL

Complaint narrative:
I am a victim of identity theft, and several unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and I request their immediate removal under 15 U.S. Code 1681c2 ( removal of fraudulent information ). 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can not be verified ( 15 U.S.C. 1681 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Result of XXXX  breach ( 15 U.S.C. 1681c ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized ( 15 U.S.C. 1681b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No consent ( 15 U.S.C. 1681b ). 

XXXX ( Account : XXXX * * ) * * No proof of debt ( Estoppel by Silence, XXXX XXXX XXXX  ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing as a concerned consumer regarding several recent hard inquiries that have appeared on my credit report. Upon careful review, I noticed multiple entries that I do not recognize and did not authorize. I am requesting a thorough review and removal of the following inquiries, which I believe were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX As outlined in the FCRA, a consumer reporting agency may only release a credit report if there is a valid and certified permissible purpose. In these cases, I have no record of any such authorized credit activity, applications, or business relationships with the companies listed above.

I respectfully request that these inquiries be removed from my credit report as they appear to be unauthorized and are negatively impacting my credit profile. Additionally, I request confirmation once the removals have been completed.

Please consider this letter as my formal dispute and request under FCRA 611 ( 15 U.S.C. 1681i ). I appreciate your attention to this matter and look forward to a prompt resolution within the timeframe provided under federal law.

Company response to consumer: Closed with explanation