vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
b'XXXX XXXX XXXX XXXX________________________________________\nTo:\nTransUnion Consumer Solutions\nXXXX XXXX XXXX XXXX XXXXExperian Consumer Services\XXXX XXXX XXXX XXXX XXXXnCC:\nConsumer Financial Protection Bureau (CFPB)\nXXXX XXXX XXXX XXXX XXXX\n________________________________________\nSubject: Formal Dispute and Immediate Removal Request for Unauthorized Hard Inquiries Under FCRA and Identity Theft Protections\nTo Whom It May Concern,\nThis letter serves as a formal notice and dispute regarding multiple unauthorized hard inquiries reported on my TransUnion (TU) and Experian (XPN) credit files. I am demanding the immediate removal of these inquiries under FCRA Section 604 [15 U.S. Code 1681b], FCRA Section 609(a)(1) [15 U.S. Code 1681g], and FCRA Section 605B [15 U.S. Code 1681c2], which require that consumer reporting agencies block and remove any item of information resulting from identity theft or unauthorized use. THESE ATTEMPTS DO ARE NOT AUTHORIZED BY ME !!! THIS IS HARM TO CREDIT WHICH WE NEED TO KEEP HOME FOR MY FAMILY ! I AM A VICTIM OF DATA BREACH IM ASKING THIS THESE INQURIES ARE REMOVED IN 4 BUSINESS DAYS PURSANT OF 605B FCRA LAWS \n________________________________________\n Unauthorized Hard Inquiries on My Credit Report\nCreditor\tBureau(s)\tInquiry Type\tReported Date\nXXXX 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]\n________________________________________'

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 2025-08-05 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: VA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer overlook. These inaccuracies have been negatively affecting my life and credit score, preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX\XXXX, XXXX\nDate of Birth: XXXX\nSS#: XXXX\n\n\XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX\nRe: Request to Remove Inaccurate Credit Information\n\nTo Whom It May Concern:\nUpon reviewing my credit report, I have identified the following item(s) that contain inaccuracies:\n1. The inquiry was not authorizedPENTAGON\nDate of inquiry: XXXX\nPlease remove it from my credit report.\n2. The inquiry was not authorizedXXXX\nDate of inquiry: XXXX\nPlease remove it from my credit report.\nIn accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. I understand that you will verify these items with the relevant creditor. If the creditor is unable to verify the information, I request its removal. It is my understanding that you are required to complete this reinvestigation within 30 days of receiving this letter, as stated in 15 U.S.C. Sec. 1681i(a).\nFurthermore, I kindly ask that you send an updated copy of my credit report to the address provided above, as there should be no charge for this service according to the act. Additionally, I request that you notify any parties who have received my credit report within the past six months of any corrections made.\nThank you for your attention and assistance in resolving this matter.\nSincerely,\n\n\nXXXX 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 2025-08-05 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.
State: TX

Complaint narrative:
Purchase 1 : {$1300.00} on XX/XX/XXXX - set up no interest payment plan for XXXX mos to expire XX/XX/XXXX ( $ XXXX ) Purchase 2 : {$1400.00} on XX/XX/XXXX - set up no interest payment plan for 6 mos to XXXX ( $ XXXX ) Purchase XXXX : {$1800.00} on XX/XX/XXXX - set up no interest payme plan for 12 mos to expire on XX/XX/XXXX ( $ XXXX ) I have set up these payment plans but everything must be calculated on my end as Citi ( Best Buy ) does not do any billing calculations so basically on my monthly invoice I pay the previous statement 's balance plus $ XXXX to cover the promotional balance payment plans and on my monthly invoices the promotional balances are never correct. I've called numerous times over the past several months and each time I'm told they're going to realocate the amounts correctly and I'll set the corrections on the next 1-2 statements. Each time they are not correct.

Last month I was told 2 of the payment plans had been cancelled but they were not cancelled by me. Citi can not explain why this is happening. Now I'm again being told they are doing a " Realocation of the payments '' and are doing an " Investigation ''. I just got off the phone with Citi again today because on my account all 3 of the Promotional Transaction amounts have been changed to {$1200.00} with a Transaction Date of XX/XX/XXXX and all of Promotions now end on XX/XX/XXXX. I spoke to XXXX and he said he was the manager. I was told that is not correct and that no dollar amounts, transaction dates or pomotional balance expirations have been changed. I told them it's on my screen and on my statement. I was told I must be looking at another account but I only have one Citi Best Buy account. I asked if I could send him a screen shot on email but he told me they don't use email. I asked to speak to his Manager and he said he is the Manager and there is no one else. I asked for a detailing of my account and how my payments are being applied. XXXX would only say it's in processing and I must wait XXXX billing cycles and it would appear on my statement but it's never corrected. Then he just put me on hold instead of hanging up. This issue is still not resolved and I have no confidence at this point in the accounting at Citi Best Buy.

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 2025-08-05 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: CA

Complaint narrative:
XXXX account was previously reported as delinquent on my credit reports. I disputed the accuracy of the account, and it was subsequently removed from my credit file. However, the account was later reinserted by both TransUnion and Experian, without proper notice or verified documentation. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to : Conduct a reasonable reinvestigation, including notifying the data furnisher and reviewing all documentation submitted by the consumer. 

If the information is removed as a result of a dispute, it can not be reinserted unless the furnisher certifies that the information is accurate and complete. 

If the item is reinserted, the bureau must inform the consumer in writing within five business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

In this case : I was not notified of the reinsertion within the legally required timeframe. 

I received no verification documents supporting the reinsertion. 

My specific, lawful requests for documentation and explanation were ignored. 

I requested the following from both the credit bureaus and the furnisher, XXXX XXXX XXXX, and received no response : The method of verification used during the investigation. 

The name and address of each entity contacted during the reinvestigation. 

A full reinvestigation, given that the collector failed to provide proper debt validation. 

A signed contract/agreement allegedly bearing my signature. 

Proof of the original debt, including itemized statements. 

A chain of title or assignment of the debt to XXXX XXXX XXXX. 

This lack of transparency and proper procedure appears to violate several sections of the FCRA and has resulted in a continued, unjustified negative impact on my credit standing.

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 2025-08-05 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX 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 : {$0.00} XXXX XXXX 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} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} 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} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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  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 2025-08-05 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: MD

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. 
Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CO

Complaint narrative:
Date : XX/XX/year> Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : SECOND REQUEST DEMAND FOR DELETION OF INACCURATE INFORMATION To Whom It May Concern : I am writing in response to your recent investigation results ( File XXXX XXXX XXXX XXXXXX/XX/year> ). You verified several accounts as accurate, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This verification is unacceptable as it fails to meet your obligations under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2, a credit reporting agency must conduct a reasonable reinvestigation and verify the accuracy of the information with documented evidence. A mere confirmation from the furnisher of information is insufficient without providing me proof of : 1. Original signed applications, contracts, and account-level documentation proving the accuracy and ownership of these accounts.

2. The name, address, and phone number of each party you verified with.

Since you failed to provide this documentation, these accounts remain unverified and inaccurate. Continuing to report them violates : 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable or inaccurate information 15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy Demand for Deletion : If you can not provide documented proof of verification ( not just e-Oscar confirmations ), you are required to DELETE these accounts from my credit report immediately. Failure to do so places you in willful noncompliance with federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue private legal action for damages under FCRA 1681n and 1681o.

Please respond within 15 days with : Written proof of verification ( original signed agreements and statements ), OR Written confirmation that these accounts have been deleted. 
This is my final notice before formal complaints and legal action. 
Sincerely, ] XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: OK

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed multiple inaccuracies reporting on my credit profile in XX/XX/year>. I ask that you remove these inaccuracies immediately! I am a victim of identity theft. These accounts are not mine.

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 2025-08-05 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-05 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-05 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 have sent a number of disputes pertaining to fraudulent and unauthorized accounts reporting inaccurately on my credit profile. I sent out disputes on XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent account i am referencing consist of the following : XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX | XXXX : XXXX : Account number : XXXX XXXX XXXX, XXXX XXXX | XXXX : Inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX | XXXX : Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX XXXX | XXXX : 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 explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
i have sent a number of disputes pertaining to fraudulent and unauthorized accounts reporting inaccurately on my credit profile. I sent out disputes on XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent account i am referencing consist of the following : XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX | XXXX : XXXX : Account number : XXXX XXXX XXXX, XXXX XXXX | XXXX : Inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX | XXXX : Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX XXXX | XXXX : Inaccurate.

Company response to consumer: Closed with non-monetary relief