vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. 

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. 

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$30000.00} Account Name : 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 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to refile my complaint to XXXX regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA. 
Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am unable to view my credit report online from all the credit agencies. Despite multiple attempts, I have been unsuccessful in accessing my report. My credit is vital to my life and I'm depressed this is not getting resolved. 

Enclosed with this letter, you will find proof of my address and the Social Security information to assist you in verifying my identity and processing my request. 


I kindly ask for your assistance in providing my credit report through all the online portals CFPB please help me... 

Thank you very much for your understanding and support. 
Sincerely,

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am unable to view my credit report online from all the credit agencies. Despite multiple attempts, I have been unsuccessful in accessing my report. My credit is vital to my life and I'm depressed this is not getting resolved. 

Enclosed with this letter, you will find proof of my address and the Social Security information to assist you in verifying my identity and processing my request. 


I kindly ask for your assistance in providing my credit report through all the online portals CFPB please help me... 

Thank you very much for your understanding and support. 
Sincerely,

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am reporting a serious case of mishandled fraud by both XXXX and Chase Bank. I was double-billed by XXXX for a XXXX subscription ( charges of {$11.00} each, repeated multiple times ), resulting in over {$330.00} in unauthorized charges. 

I reported this to XXXX, who failed to resolve it. I then filed a fraud claim through Chase. Chase initially issued credits, acknowledging the error but later reversed all of them with no justification, transparency, or communication.

Ive spent weeks trying to resolve this. Ive contacted XXXX multiple times, escalated to XXXX support, and spoken with Chase reps who offered no explanation for the reversal. I also posted publicly on social media, where Chase responded and is now asking for details only after being called out.

This is not only financially damaging, it shows a clear breakdown in consumer protection, especially when dealing with digital subscription fraud, which is increasingly common. I followed every correct step and am now being penalized despite doing everything right. The attached doc shows the dates and amount of times I was double charged so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is reporting an account ( # XXXX ) that shows a past due balance of {$3800.00} but a charge-off amount of {$0.00}. This is a contradictory and unverifiable credit entry. There is no documentation or accounting breakdown to validate this report. The failure to correct such obvious inconsistencies is a violation of FCRA 1681e ( b ), 1681s-2 ( b ) and may qualify as a deceptive practice under FDCPA 1692e ( 10 ).

Legal Citations : FCRA 1681e ( b ) : Information must be complete and accurate.

FCRA 1681s-2 ( b ) : Furnishers must resolve conflicting information upon dispute.

FDCPA 1692e ( 10 ) : Prohibits misleading or deceptive representations of a debt. 
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Inconsistencies must be resolved or tradeline removed. 
XXXX XXXX XXXX  ( XXXX XXXX XXXX ) : Prohibits continued reporting of unverifiable and internally inconsistent 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing regarding the accounts that had previously been removed from my credit report without my consent or notification. Please re-insert the following accounts that have been removed and notify me via email or sending me a copy of report when the investigation done. I've Attached supporting documents for this request, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
On XX/XX/, I mailed a debt validation letter to Online Information Services requesting full validation of the alleged debt, including a signed agreement, full account history, the name of the original creditor, and proof of their right to collect. They failed to respond within the XXXX window required by the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX XXXX, I mailed a second letter demanding immediate deletion of the account from all credit reports due to failure to validate. As of today, they have not provided any sufficient documentation and continue to report the account, which is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I used an XXXX XXXX Comedity Bank to pay for rental car in XXXX XXXX  XXXX. I rented the car from XXXX XXXX XXXX. When I returned the vehicle I was asked to sign a cell phone to confirm the vehicle drop off. My signature was used for fraud not even 20 minutes after I dropped off the vehicle that my credit card was charged over XXXX dollars! The credit card company sent me a text asking if the charge was valid and I said NO. XXXX XXXX in XXXX XXXX charged my credit card for gas, idling, damages ( all fraudulent charges! ) I brought the car back with a full tank of gas and no damages! There was minor incidentals when I picked up the vehicle on the back bumper but I dropped off the car the same way I picked it up. I rented the car with my employee discount for XXXX XXXX it came with a collision waiver included but XXXX XXXX still decided to charge my credit card with no explanation they just charged me for everything under the sun! I filed a fraud report with the credit card company and even sent them supporting documentation in the mail with numerous other consumer complaints about the same XXXX XXXX in XXXX but because the rental company sent manipulated photos and my signature they validated the charges! The pictures with close up shots of the sun glaring on the car making it appear as though the entire car had damages! I could not believe this happened to me. I filed complaints with the XXXX, FTC and the States Attorney in NJ for fraud but I still have a credit card with over XXXX of fraudent charges! My life and credit has been destroyed! The XXXX XXXX XXXX is in NJ so I filed a complaint with the States Attorney of NJ. What do I have to do? You can go online and read numerous reviews of the bad business practices by XXXX XXXX in XXXX XXXX. There has been a class action lawsuit against XXXX XXXX in the past for fraudent charges! I reached out to Comedity Bank because usually credit cards are insured but I was told theres a separate charge for the insurance. I never heard of such a thing! I barely make ends meet I dont even make XXXX a year at my job! I cant afford to pay fraudent credit card charges! Please help.

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

Complaint narrative:
I recently reviewed my credit report and noticed some inquiries that I did not authorize. These were not made by me, nor did I give anyone permission to use my information for such purposes.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint and request enforcement regarding my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B 15 U.S.C. 1681c2. I am a victim of identity theft, and there is fraudulent information currently being reported on my credit file by TransUnion.

Despite submitting the required documentation, including : A police report or FTC Identity Theft Report, A written request to block the fraudulent information, Proof of my identity, TransUnion has not complied with the FCRAs requirement to block fraudulent information within 4 business days of receiving the documentation, as outlined in 605B. 

The items I requested to be blocked include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the CFPB investigate this matter and ensure that TransUnion fulfills its legal obligations by removing the fraudulent account ( s ) from my file and halting further reporting or collection. 

Please let me know if you require any additional documentation or clarification. I appreciate your prompt attention to this serious issue. 

Sincerely, 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 non-monetary relief