vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-04-09 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:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, which Citi closed without resolving the issue. In my original complaint, I reported that Citi 's ThankYou Rewards redemption portal does not allow users to remove linked bank accounts used for direct deposit. 
Citi responded with policy language about payment accounts, which was unrelated to my concern. I provided evidence that no removal option exists in the system. Despite this, Citi ignored the actual issue and now refuses to respond further, leaving the functionality flaw unaddressed. 
I am requesting CFPB escalate or re-review the issue, as it remains unresolved and significantly affects users ' control over their own financial data.

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 2025-04-09 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: FL

Complaint narrative:
On XX/XX/year>, I received a notice from Equifax stating that they were unable to locate my credit file due to reasons such as not applying for credit recently, not having credit within the last 10 years, or not having a U.S. Social Security Number. However, I have already submitted the requested documentation proving my identity, including my Social Security Number, current address, and proof of recent credit activity. 

Despite submitting these documents, Equifax has failed to resolve this issue and my credit file remains unresolved. I expect that they will correct this error and provide me with the appropriate documentation of my credit file. 

I am submitting this complaint to the CFPB as I have attempted to resolve the issue directly with Equifax, but I have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collection ( XXXX ) XXXXXXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: NY

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, Expirian consistently responds within 24 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 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Expirians action may also contravene the consumer financial protection act ( CFPA ), 12 USC. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Expirian complied with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-09 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:
I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the XXXX credit bureaus raises serious concerns about their accuracy and legitimacy. 

Specifically : TransUnion is reporting XXXX negative accounts and 1collection. 
XXXX is reporting XXXX collection and XXXX negative accounts. 
XXXX is reporting XXXX negative accounts.

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 2025-04-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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 1681 i, which mandates a reasonable investigation of disputes. Furthermore, XXXX action may also contravene the consumer financial protection act ( CFPA ), 12 USC. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complied with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-09 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: CT

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX / XXXX Bank Account # XXXX XXXX. XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX, XXXX XXXX XXXX Inaccurate address data that I am not associated with. 
Legal Violations : * XXXX XXXX. XXXX ( Fair Credit Reporting Act, XXXX XXXX ( A ) ) : I have the right to privacy and accurate reporting. 
* XXXX XXXX. XXXX ( a ) ( XXXX ) ( Section XXXX ( A ) ) : No consumer reporting agency may furnish an account without my written consent. 
* XXXX XXXX. XXXX ( a ) ( XXXX ) : No report should include any adverse information older than XXXX years, except for criminal convictions. 
* XXXX XXXX. XXXX ( A ) ( XXXX ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate. 
The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

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 2025-04-09 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 will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to seek their assistance in resolving this issue.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I called Comenity Bank to close my credit card account but they refused to do so. In fact, the woman kept trying to sell different products to me and would not even acknowledge the attempt to close my account. That should be illegal. Consumers have the right to close credit card accounts. Period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
I am writing to formally request the removal of an inaccurate item from my credit report. Upon reviewing the details, it is clear that the information reported does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines, and its accuracy is highly questionable.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting by ChexSystems To Whom It May Concern, I am writing to formally submit a complaint regarding inaccurate information reported by ChexSystems that has negatively impacted my ability to open new bank accounts and manage my finances. 

Details of the Complaint : Consumer ID : XXXX Name : XXXX XXXX Reported Source : XXXX Reported Address : XXXX North XXXX XXXX, XXXX, OH XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/year> XXXX/Account # : XXXX Original Charge Off Amount : {$19000.00} Closure Status : Unpaid Closure Status Date : XX/XX/year> I have lived at my current address, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, for the past 14 years and have never resided at the address listed above. I have no knowledge of the reported account and have never been associated with any overdrafts or the charge-off amount mentioned. 

This inaccurate information has caused significant issues for me in opening new accounts and verifying my identity across various platforms. I have attempted to resolve this matter directly with ChexSystems by disputing the inaccuracies, but I have not received a satisfactory resolution. 

I am requesting your assistance in investigating this matter and ensuring that the inaccurate information is corrected. I have attached relevant documentation, including my identification and proof of address, to support my claim. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have reached out on multiple occasions to get this corrected. I have disputed with the Credit reporting agencies and Capital One. The following reported late payments were reported during the XXXX pandemic. I reached out to Capital One to explain hardship after I was impacted by XXXX XXXX XXXX XXXX XXXX  of XXXX. They assured me that late payments during this time period will be reported as current due to the XXXX mandate. ( I was current on payments when call was made ). I did my best and caught up as soon as possible on future payments. They are refusing to correct these inaccuracies to acknowledge this accommodation. From my understanding of the Cares Act late payments during the time of XX/XX/XXXX XX/XX/XXXX should be reported as current as long accommodations were met. My credit is negatively reflecting 60, 90, 120 days late as a result. I find no reason for this not to be corrected due to laws that were in place at the time. Please have the following dates updated as current. 
XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
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 XXXX XXXX XXXX  Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
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 XXXX XXXX XXXX  Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY 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