vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.

Complaint narrative:
My name is XXXX XXXX XXXX, and I am both XXXX for my sister XXXX XXXX XXXX XXXX XXXX  is AKA : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Beginning on XX/XX/year> I contacted Citibank XXXX ( AKA XXXX ) and asked for a mailing address so I can take control and make arraignments to pay off her debt. I spoke with XXXX in Customer Service and was given an address : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I sent in an letter, along with the court order and letters. I waited XXXX weeks and called again on XX/XX/XXXX and was told that my paperwork was being reviewed, and that Citibank was sending a letter asking for additional information. I waited another week and never heard from Citibank or received a letter from them. I called again and was told that they could not speak to me, but I needed XXXX XXXX to vouch for me. I explained my XXXX  is not available and that I am legally her XXXX  and XXXX  by the state of XXXX  to speak for her. On XX/XX/XXXX Citibank called my XXXX  and she stated to Citibank that I am her account manager and handling all her finances. When I called Citibank, I was told she had to vouch for me EVERY TIME I call. I sent another letter along with {$100.00} dollar payment, along with another written request to stop charging interest on the XXXX ' payment or charging a late payment as I had been trying on numerous attempts to talk with them. I just reviewed the new statement, and they are still charging interest on a {$500.00} payment my XXXX  can not afford. My XXXX  has XXXX XXXX and does not have the XXXX  XXXX  to have understood this large payment and the damage would have on her inability to pay any of her bills.

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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to remove the following reports from my account. My name is XXXX XXXX! I am a victim of Identity Theft and I need the listed item removed. The accounts listed below are inaccurate and need to be deleted from my profile as it is inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and have enclosed copies of the FTC Identity Theft Affidavit. The following are negatively impacting my account and I need them to be removed now more than ever, due to false review of my report. I request immediate deletion after this attempt.. Thank you, please understand that this matter needs to be handled with time sensitivityI urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The company is reporting this vehicle on my credit that I no longer have gave the vehicle back in XX/XX/XXXX they keep going up on the price of what I owe! This car was a lemon! I have reached out several times and I havent gotten any info from the company theyre still reporting late payments after i voluntarily surrendered the car, thats inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). Once i turned the car in, i was no longer responsible for monthly payments, and they can not legally keep reporting late payments on an account that should be closed or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The company is reporting this vehicle on my credit that I no longer have gave the vehicle back in XX/XX/XXXX they keep going up on the price of what I owe! This car was a lemon! I have reached out several times and I havent gotten any info from the company theyre still reporting late payments after i voluntarily surrendered the car, thats inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). Once i turned the car in, i was no longer responsible for monthly payments, and they can not legally keep reporting late payments on an account that should be closed or charged off.

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 2025-04-23 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: AL

Complaint narrative:
The company is reporting this vehicle on my credit that I no longer have gave the vehicle back in XX/XX/XXXX they keep going up on the price of what I owe! This car was a lemon! I have reached out several times and I havent gotten any info from the company theyre still reporting late payments after i voluntarily surrendered the car, thats inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). Once i turned the car in, i was no longer responsible for monthly payments, and they can not legally keep reporting late payments on an account that should be closed or charged off.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian has repeatedly and unlawfully reinserted two XXXX accounts ( see the attached doc ) into my credit report, even after they were deleted following multiple disputes. These accounts were removed in XX/XX/year>, yet they were reinserted on XX/XX/XXXX and XX/XX/XXXX, deleted again on XX/XX/XXXX and XX/XX/XXXX, and reappeared once more on XXXX XXXXwithout any notice or certification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). On XX/XX/XXXX, I received a XXXX alert and confirmed on XXXX XXXX paying out of pocket for a new reportthat two XXXX accounts had been reinserted. This is not okay. Its exhausting, frustrating, and unacceptable that I have to keep disputing the same accounts that were already proven to be inaccurate. Experian has failed to conduct a lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( 3 ), and continues to ignore my rights. This conduct reflects a clear pattern of willful and negligent noncompliance with the FCRAjust like what the CFPB is already suing Experian for. Im demanding permanent removal of these accounts and appropriate enforcement for these violations. I will not tolerate this ongoing damage to my credit and peace of mind.

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 2025-04-23 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: SC

Complaint narrative:
TransUnionXXXX XXXX, and XXXX is not removing this inaccurate information off of my credit report, refusing all my disputes, show this inaccurate information to lenders that I have known knowledge of, I tried to write letters to each bureau and there not answering the phone or my request to look at this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft and Chase did nothing to protect their consumer/ client. 
Around XX/XX/year>, I lost my personal identification. By XX/XX/XXXX, I discovered that my checking account had been completely drained. The funds were transferred to a XXXX account that I had opened in the past but had not used in a long time. That XXXX account appears to have been hacked. 

All of the transactions were unauthorized. I did not receive any notifications regarding the withdrawals or transfers, despite the large sums involved. XXXX accepted the transfers without requiring any email confirmation or alerting me. The total amount is : XXXX USD I contacted Chase immediately. They initially issued temporary credits while they investigated, but later reversed those credits, effectively taking the money out of my account again. When I followed up, they asked for evidence of the fraudbut this is difficult to provide when my identity has been stolen and used without my knowledge.

I have clearly communicated to Chase that I no longer have access to or control over thXXXX XXXX  account, and that I did not authorize any of the transfers. Despite this, I have not received proper support or resolution.

Im requesting that this case be re-investigated and that steps be taken to recover the lost funds and ensure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
XXXX XXXX  is reporting all conflicting information, charge off, account closed and a current balance. They are reporting this monthly, and have been for the last 5 years. They refused to make a payment arrangement with my credit attorney and chose to charge off but yet are still reporting conflicting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION IS NOT IN COMPLAINACE WITH THE FRCA. THEY ARE IN VIOLATION OF FURNISHING INACCURATE INFORMATION AND FRADULENT INFORMATION. VIOLATING 15 USC 1681 1C-2. ALONG WITH 15 USC 1681 ( 7 ). THEY CLAIM TO HAVE BEEN AN INVESTIGATION ; HOWEVER, I WAS NOT INFORMED OF THE STEPS OF SAID INVESTIGATION. THE COLLECTIONS AGENCY IS NON-COMPLAINT AND TRANS UNION IS REPORTING INCUARLY FASLUE IN FORMATION. IN ACCORDANCE WITH 15 USC 1681C-2 I WOULD LIKE THIS INFORMATION PERMENTALY BLOCKED FROM MY CREDIT REPORT.

FRAUD : Fraud refers to dishonest behavior that deceives someone for personal gain. It can be both a civil issue and a criminal offense.

Definition of Fraud Noun 1 : Wrongful deception with the intent to gain personally or financially 2 : Intentional deception in order to persuade another person to part with something of value 3 : A person who pretends to be something or someone he is not

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 2025-04-23 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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 previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief