vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: VA

Complaint narrative:
A Discover Card account was opened im my name in XXXX or XXXX. There were charges on the account and then it ended up on my credit report. I called Discover Card and explained to the that I did not open the account. They said I signed the application and my ssn was provided on the application. They provided a copy of the application, the signature was not mine and the application had a Florida address. I explained to them I was a victim of identity theft. I had lost my checkbook im XXXX in XXXX, TX and it was used to make several purchases. Back in the XXXX we still had our ssn on the checks. Discover told me they would resolve the issue but never did and that i needed to make a payment or it would stay on my credit report. I was purchasing a home around that time and needed to get it off my credit report. So I made a payment. They were supposed to fix the problem and refund the payment ( never happened ). Now I have law firm or some fake company threatening me with legal action. Im not sure if the company is legit. XXXX XXXX XXXX in XXXX XXXX, CA but I am unable to find information. The phone number is XXXX. They were trying to force me to pay or be served with court order. I called them back and told them to send me the papers, but the individual named XXXX, in an aggressive tone, told me " im not sending you XXXX '' and hung up. The case # XXXX is what they gave me. I really need to resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of an account listed on my Experian credit report. I believe the entry listed below may be inaccurately reported or contain unverifiable information, and I request a full reinvestigation. 

Disputed Account : XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$460.00} Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
* * Equifax * * XXXX XXXX XXXX XXXX, GA XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * TransUnion * * XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 



Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 



Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
* * Equifax * * XXXX XXXX XXXX XXXX, GA XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * TransUnion * * XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 



Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 



Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I applied for an American Express credit card and was denied around XX/XX/year>. The denial letter cited a XXXX score of XXXX and listed reasons such as a collection account, too few accounts paid as agreed, and a public record or derogatory item. 

The denial was based in part on a disputed XXXX XXXX collection account still appearing on my XXXX and XXXX reports. That same account has already been deleted by XXXX, and I have submitted a formal Final Demand Letter to the debt servicer, XXXX XXXX XXXX, requesting deletion and compensation. This tradeline is under legal and regulatory dispute. 

My denial letter listed a XXXX score of XXXX, but since the collection was removed from XXXX bureau, my TransUnion XXXX score has increased to XXXX. However, the collection continues to re-report to Equifax and TransUnion, further damaging my credit profile during ongoing legal challenges. 

The denial letter also listed XXXX as a data source. I believe that data includes a fraudulent XXXX XXXXXXXX XXXX account resulting from identity theft, which I have already reported via an FTC Identity Theft Report and am actively disputing with XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX. 

Despite these disputes and legal filings, American Express made its credit decision without offering any path for manual reconsideration or allowing me to provide documentation showing that the negative information used was disputed, deleted, or inaccurate. I was never notified of an appeal process or a chance to reapply once the disputes are resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian rental bureau had expose my personal information to the public which thats against the law to use a consumers personal information to gain I apply for a complex apartment which I had got denied because of the two Eviction that I have on my rental history which those two Eviction was the wrong for Eviction one is at XXXX XXXX XXXX XXXX In XXXX, New Jersey and the company called XXXX XXXX. The second one is at XXXX XXXX XXXX XXXX and that company is called XXXX XXXX XXXX in XXXX New Jersey. I went to the municipal courthouse in XXXX New Jersey and had explained to them why they had exposed my personal information. The Clark at the desk said they do not expose or sell anybody personal information to the public because they know that is against the law and it also is against the consumer law. Which day failed to realize that my personal information and my public information was exposed to the second credit bureau, which Experian had leaked my information out and its not fair to me to find out that my personal information was lead to a second Credit Bureau.

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 2025-05-15 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Information is old and continues to be reported. It never goes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-15 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: NC

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have made sure to make my payments on time for XXXX  XXXX  with the account number XXXX. This account should not have a late payments status in my record. Make sure to provide me with any documentation about the late payments being done in the months indicated in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Subject : Follow-up complaint Citibank furnishing inaccurate and inconsistent credit data Company : Citibank / Citigroup Prior Complaint Reference # : [ XXXX ] I am submitting a new complaint because my original case was closed without resolution, and the issues remain unresolved. Citibank is furnishing inconsistent, misleading, and inaccurate information to the credit bureaus. 

The account in question was closed by Citibank in XXXX. I spoke with a Citi representative in XX/XX/XXXX who confirmed the balance was {$0.00} and that there were prior fraud flags on the account. 

However, my credit report continues to show : A balance of {$9400.00} A past-due amount of {$5300.00} Status as currently late despite the account being closed for years Dozens of Unknown payments, and an inaccurate on-time payment percentage To make matters worse, Citis response to my original CFPB complaint included a document showing a balance of {$11000.00}, which conflicts with the {$9400.00} reported to TransUnion. This is clear proof that the data Citi is reporting is inconsistent and inaccurate a violation of the Fair Credit Reporting Act.

I have received no actual communication from Citibank by phone or email, despite their claim to have reached out.

This continued reporting is harming my credit and interfering with my ability to qualify for a mortgage.

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 2025-05-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have a loan with MoneyLion and they are reporting inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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