vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I recently had opened an account with Citizen 's Bank and had my paycheck directly deposited to my new account. I was able to process 3 ACH debits to allow utilities to post however, on XX/XX/XXXX2025, the remaining funds in both my checking and savings were debited and my accounts closed in XX/XX/XXXX2025. I am aware of an XX/XX/XXXX) alert in my name which is likely the cause for Citizen 's closing my account, which is fine! The issue I have is that on XX/XX/XXXX2025, and on XX/XX/XXXX/2025, I called and spoke with a customer service rep, and their supervisor to find out if there were other options for me to get the remaining balance in my account i.e., visit the branch and take either an official bank check, or cash, whichever they preferred, and close the accounts in person. I was told that could not happen, and no one would allow me to talk with the fraud department because " they don't take calls ''. I was told on XX/XX/XXXX and XX/XX/XXXX that the XXXX with the remaining funds in my account was sent on XX/XX/XXXX, so I would anticipate receiving those by the end of the first week of XXXX. I get a letter today XX/XX/XXXX2025, dated XX/XX/XXXX/2025 advising that the bank check would NOT be mailed until XX/XX/XXXX2025. No one in customer service or the branch was able to assist. I now have no access to the remainder of my paycheck, I have no food in my house because I can't grocery shop, I ran out of dog food waiting for the remainder of my funds so now my dog has no food. The bank did not want to help and all I got from anyone was " I'm so sorry this happened, I'm sorry you feel that way ''. This is a clear violation of fair and responsible banking ( FARB ) practices and unacceptable. I was told today XX/XX/XXXX/2025 that the XXXX with the remaining balances in my accounts was now mailed on XX/XX/XXXX2025, which means I now have to wait until middle to late second week of XXXX, almost 2 weeks after my paycheck deposited to get the rest of my funds. Additionally, this will leave me without funds for a MONTH!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-04-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-03 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of NATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX 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 2025-04-03 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: HI

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
On XX/XX/XXXXXXXX I received my credit report and noticed some inaccuracies being reported to my credit file, making my file incomplete. Starting in the year XXXX, my personal information, including name, dob, social security number, and address, has been involved in multiple data breaches. This includes companies Equifax, Experian, XXXX XXXX XXXX, XXXX XXXX, and XXXX , to name a few. These inquiries are being reported illegally according to FCRA regulations. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

I was told by the big 3 credit reporting agencies to send in the FTC report and ID to complete the deletion process ; please see attachments.

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 2025-04-03 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: TN

Complaint narrative:
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report on XX/XX/scrub> 2025 and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any 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 ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any in formation relating to a consumer reporting agency if the person know 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-04-03 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify 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 2025-04-03 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-03 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello CFPB, I am not sure who else to send a complaint to. I have several XXXX accounts at XXXX XXXX. It was through XXXX XXXX. Last XXXX of 2024, XXXX XXXX had XXXX take of the recordkeeping and administration of the XXXX XXXX. Account numbers were changed and had new formats, and investment options changed names of funds. When I first started the XXXX accounts, I also signed up for XXXX, as well as my wife and mother. We all got XXXX XXXX XXXX XXXX with Barclays, which had a great cash back program that would help fund my XXXX XXXXXXXX accounts. After a certain threshold ( {$100.00} ) is reached in cash back, XXXX then transfers those funds to XXXX XXXX. Now, ever since the recordkeeping and administration has been taken over by XXXX, XXXX has not been able to transfer funds over to XXXX, and has been keeping it in our XXXX accounts. Personally, they have {$360.00} holding which should be in my XXXX account. XXXX no longer has a telephone customer service number, and only a web-based portal to submit tickets. I have been going back and forth with them since XXXX of 2024, and I have yet to get any resolution from them. The XXXX website won't accept the new account # format, and I even forwarded the notice from XXXX XXXX regarding XXXX ' new management of the recordkeeping and administration, including the new account number formats. I have called and written a formal XXXX complaint to XXXX, and I also called Barclayscard to explain their rewards servicer is not doing their job. Now I know my wife, mother and I CAN NOT be the ONLY 3 people that can't get their XXXX cash rewards to their XXXX  XXXX accounts. XXXX is probably holding thousands, or tens of thousands or even hundreds of thousands of dollars that should have otherwide been invested and growing in value. Furthermore, any contributions that still could ave taken place in 2024 could have been tax deductible to NJ residents on their NJ State Income Tax returns. Another missed opportunity. Needless to say, depending on the amount of dollars or people affected, this could be grounds for a massive class-action suit. I have many correspondence saved and documents I have sent XXXX. I have two ticket numbers with their customer service as well : # XXXX and # XXXX. Please feel free to reach out to me with any further questions or if you need any documents. I will Attach what I have sent them in your portal. Thank you - 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 2025-04-03 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:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned 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 2025-04-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Reporting Unverified Debt Dear CFPB, I am writing to formally file a complaint against Experian for inaccurately reporting a debt allegedly owned by XXXXXXXX XXXX XXXX XXXX a third-party creditor. This debt has not been properly validated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I believe it violates my consumer rights. 

Specifically, my concerns are as follows : XXXX. Lack of Debt Validation : XXXX XXXX XXXXXXXX has failed to provide proper validation of this debt, including a copy of the original contract bearing my signature, as required under 15 U.S.C. 1692g.

2. Age of the Debt : The alleged debt is over ten years old, potentially beyond the statute of limitations in my state. Experian continues to report it without verifying its legitimacy.

3. Failure to Verify Ownership : Experian has not provided sufficient evidence that XXXX XXXX  XXXX has legal ownership of the debt. According to FCRA ( 15 U.S.C. 1681s-2 ), credit reporting agencies must ensure the accuracy of the information they report.

4. Potential FCRA Violations : Under 15 U.S.C. 1681e ( b ), Experian is required to maintain accurate records. Reporting an unverified debt, especially one that is potentially time-barred, is misleading and damaging to my creditworthiness.

I have attempted to resolve this issue directly with Experian, but they have failed to provide any documentation verifying this debts validity. I request that the CFPB investigate this matter and compel Experian to either remove the inaccurate entry or provide legally required documentation proving the validity and ownership of the debt. 

Please confirm receipt of this complaint and provide me with any updates regarding your investigation. Thank you for your attention to 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 2025-04-03 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: SC

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each 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 2025-04-03 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: SC

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each 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 non-monetary relief
Consumer complaint received 2025-04-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I never authorized COMENITYBANK/VICTORIA to place a hard inquiry on my credit report XX/XX/year>. I never received any verified documentation stating that I owe {$800.00} for a {$450.00} credit limit from XXXX

Company response to consumer: Closed with explanation