vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have been recorded on my credit file. Upon reviewing my recent credit report, I have identified a number of inquiries that were made without my consent or knowledge. These inquiries are fraudulent and result from identity theft. I hereby demand immediate removal of these inquiries from my credit report, in compliance with all applicable federal and state laws governing credit reporting. 

All inquiries I listed in Identyty Theft report, which I uploaded with nessesary documents. 

As I am a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must promptly investigate and correct any disputed information, including fraudulent inquiries, within 30 days of notification. Specifically, I am requesting the following actions : Immediate removal of all fraudulent inquiries listed above from my credit file. 

Written confirmation that these inquiries have been removed and that my credit report has been updated accordingly. 

- A detailed explanation of the steps that will be taken to prevent further fraudulent activity on my credit file. 

- As supporting documentation, I am providing the following : - A copy of my government-issued photo ID to confirm my identity. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Report or other official documentation of the identity theft incident. 

A copy of the police report, if applicable, detailing the identity theft or any fraudulent activities associated with my personal information. 

Any other documents supporting my claim of identity theft and the fraudulent inquiries. 

Pursuant to the FCRA, I request that you thoroughly investigate this matter and take the necessary steps to correct my credit file. Should you require any additional information or documentation, please contact me directly at the information provided above. Additionally, I request that you inform me of the outcome of your investigation within 30 days of receipt of this letter, as required by law. 

Please note that failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act. 

Thank you for your prompt attention to this serious matter. I expect swift action to ensure that my credit report is corrected and that my legal rights are fully protected.

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 2025-03-24 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:
I am writing to formally dispute several unauthorized inquiries that have been recorded on my credit file. Upon reviewing my recent credit report, I have identified a number of inquiries that were made without my consent or knowledge. These inquiries are fraudulent and result from identity theft. I hereby demand immediate removal of these inquiries from my credit report, in compliance with all applicable federal and state laws governing credit reporting. 

All inquiries I listed in Identyty Theft report, which I uploaded with nessesary documents. 

As I am a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must promptly investigate and correct any disputed information, including fraudulent inquiries, within 30 days of notification. Specifically, I am requesting the following actions : Immediate removal of all fraudulent inquiries listed above from my credit file.

Written confirmation that these inquiries have been removed and that my credit report has been updated accordingly.

- A detailed explanation of the steps that will be taken to prevent further fraudulent activity on my credit file.

- As supporting documentation, I am providing the following : - A copy of my government-issued photo ID to confirm my identity.

A copy of the Federal Trade Commission ( FTC ) Identity Theft Report or other official documentation of the identity theft incident.

A copy of the police report, if applicable, detailing the identity theft or any fraudulent activities associated with my personal information.

Any other documents supporting my claim of identity theft and the fraudulent inquiries.

Pursuant to the FCRA, I request that you thoroughly investigate this matter and take the necessary steps to correct my credit file. Should you require any additional information or documentation, please contact me directly at the information provided above. Additionally, I request that you inform me of the outcome of your investigation within 30 days of receipt of this letter, as required by law. 

Please note that failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act. 

Thank you for your prompt attention to this serious matter. I expect swift action to ensure that my credit report is corrected and that my legal rights are fully protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am writing to formally dispute several unauthorized inquiries that have been recorded on my credit file. Upon reviewing my recent credit report, I have identified a number of inquiries that were made without my consent or knowledge. These inquiries are fraudulent and result from identity theft. I hereby demand immediate removal of these inquiries from my credit report, in compliance with all applicable federal and state laws governing credit reporting. 

All inquiries I listed in Identyty Theft report, which I uploaded with nessesary documents.

As I am a victim of identity theft, I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies must promptly investigate and correct any disputed information, including fraudulent inquiries, within 30 days of notification. Specifically, I am requesting the following actions : Immediate removal of all fraudulent inquiries listed above from my credit file.

Written confirmation that these inquiries have been removed and that my credit report has been updated accordingly.

- A detailed explanation of the steps that will be taken to prevent further fraudulent activity on my credit file.

- As supporting documentation, I am providing the following : - A copy of my government-issued photo ID to confirm my identity.

A copy of the Federal Trade Commission ( FTC ) Identity Theft Report or other official documentation of the identity theft incident.

A copy of the police report, if applicable, detailing the identity theft or any fraudulent activities associated with my personal information.

Any other documents supporting my claim of identity theft and the fraudulent inquiries.

Pursuant to the FCRA, I request that you thoroughly investigate this matter and take the necessary steps to correct my credit file. Should you require any additional information or documentation, please contact me directly at the information provided above. Additionally, I request that you inform me of the outcome of your investigation within 30 days of receipt of this letter, as required by law.

Please note that failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act and the Identity Theft and Assumption Deterrence Act. 

Thank you for your prompt attention to this serious matter. I expect swift action to ensure that my credit report is corrected and that my legal rights are fully protected.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: IA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a detailed statement that includes the following information : 1. The original creditors name and contact information 2. The amount of the initial debt 3. A detailed breakdown of all charges, fees, and interest added to the account 4. Any payment history, including dates and amounts paid 5. A clear explanation of how the total amount has been calculated 6. The date of the last payment made on the account Please provide this information within 30 days of receiving this letter. Failure to provide the requested information may be viewed as a violation of the FDCPA.

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. If you have any questions regarding this request, please feel free to contact me at the phone number or email address listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
The problem that I'm having is being that according to Title 15 USC 1681 ( a ) ( 4 ), in regards to all credit reportings according to the title 15 USC 1681 ( a ) ( 4 ) that's all credit reportings are fraudulent which means Experian Equifax and transunion are committing fraud. We/ I as consumers are due {$1000.00} per violation under title 15 USC 1692 k ( a ) ( 4 ) ( A ). To date there have been numerous if not dozens of violations relating to these companies which has posed risks and dampers my ability to access lines of credit loans and other related business transactions consumer transactions I've been repeatedly denied loans and business lines of credit because of these three companies.

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 2025-03-23 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: IL

Complaint narrative:
XXXX XXXX, Social Security number:XXXX, Date of Birth : XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phoneline account at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, with the balance of : {$2300.00}. A mobile landline service account opened at XXXX XXXX XXXX opened on XX/XX/XXXX, account number XXXX, with a balance of {$530.00}. These accounts have resulted in several fraudulent hard inquiries which were : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-03-24 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I previously disputed ( case # XXXX ) a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, furnishers of credit information must provide complete and accurate reporting. 

XXXX has failed to validate this debt within the legally required timeframe. Since XXXX has not provided proof that this account is mine, they are knowingly reporting inaccurate information, which is a violation of the 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 explanation
Consumer complaint received 2025-03-24 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the 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 explanation
Consumer complaint received 2025-03-23 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: LEXISNEXIS
State: NJ

Complaint narrative:
Formal Dispute & Legal Demand for Deletion of Inaccurate and Fraudulent Information, Including Marketing Records To Whom It May Concern, This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), New Jersey Consumer Protection and Privacy Laws, and my right to delete personal data. LexisNexis has reported and disseminated incorrect, fraudulent, and unauthorized marketing information under my name, including the following records : I will attach the information that they sent after 12 months and 23 request for full disclosures they stated they couldnt verify my identity while selling my information to 3rd parties as accurate. Cause Financial loses and XXXX  attacks I am formally requesting the immediate removal of fraudulent and inaccurate information from my LexisNexis consumer report. Additionally, I demand that LexisNexis enforce the security freeze that was placed on my file in 2022, which has been unlawfully disregarded, resulting in the unauthorized sale and dissemination of my personal data. 
Upon reviewing my report, I discovered that multiple email addresses and opt-in records are being falsely associated with me. These email addresses are fraudulent and do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late/Open XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
Complaint Against Citi Card Unjust Interest Charge and Partial Refund I am filing a complaint against Citi Card regarding an unfair interest charge of {$220.00}, which was posted to my account on XX/XX/year>, despite my balance being fully covered before the due date. 

Summary of Events : My payment due date was XX/XX/year>. 

On XX/XX/year>, I received XXXX refunds from a merchant : {$6000.00} {$6400.00} These refunds brought my balance to {$0.00} before the due date. 

When I attempted to make an additional payment, Citis system did not allow me to proceed, displaying a message stating that my balance was already satisfied. 

Despite this, on XX/XX/year>, Citi charged me {$220.00} in interest fees. 

I called Citi multiple times and was only offered a {$100.00} credit, even though the full charge was unjust. 

Why This is Unfair : The refunds cleared before my due date, effectively satisfying my payment obligation. 

Citis system prevented me from making an additional payment, confirming that no further payment was required. 

Despite this, Citi still applied interest and refused to fully refund the unfair charge. 

A partial refund does not resolve the issueI should not have been charged at all.

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