vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-17 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: CT

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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 non-monetary relief
Consumer complaint received 2025-07-17 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: AL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am disputing a debt being reported by I.C. System, Inc. for a XXXX XXXX XXXX wellness plan that I properly canceled. I had two separate pet wellness plans under XXXX for my pets XXXX and XXXX. I canceled both plans directly with XXXX before services were rendered for the new term. Despite this, XXXX continued to attempt charges to my card and then forwarded the account to I.C. System for collections.

I was not notified properly and did not receive any itemized breakdown or verification before this was placed on my credit report. I.C. System is attempting to collect on a canceled agreement that is not valid. No services were used after the cancellation, and I had informed XXXX that I did not wish to continue.

I am requesting a full deletion of these collection accounts from my credit report and for the companies to stop reporting inaccurate information that is damaging my credit.

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 2025-07-17 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-17 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: LEXISNEXIS
State: WA

Complaint narrative:
The company has failed to provide a printed copy of the credit report they provided to my insurance carrier resulting in an increase in my premiums. Please cross reference my earlier complaint # XXXX entered on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Paid in full - account closed i want it removed off my credit the agent said he would but still nothing from all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: OK

Complaint narrative:
There are over XXXX credit inquires on my credit bureaus of which I did not authorize or establish. My SSN has been compromised on the " dark web '' and someone has been trying to use my SSN to establish credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX * * Balance Owed : {$21000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This all occurred from the time my account was first opened with Citibank. About XXXX  months ago it started with my transactions always being declined and me having to always call in and speak to the fraud department for them to release and verify me. Then it just kept getting worse to the point where I even used my card once it would get blocked and every time I asked they would state it's due to my account triggering the system. 
I have only had this account for XXXX months and it's been a problem They treat me like I'm a criminal I have had my card blocked for days at a time, never get to speak to a proper person to address my concerns, rude customer service, and so much more. Now they have closed my account without and reason and still can't tell me why are transferred me to someone who can. I feel like Im being discriminated against cause there is no reason they should be handling my account the way theyre they tell me I should not have anymore problems when I reach out to have plenty of problems. If youre thinking about using Citibank dont run far as you can from them cause if you have a problem theyll be no one to help you properly.

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 2025-07-17 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:
I am filing a complaint against XXXX XXXX XXXX for fraudulent account reporting, as well as inaccurate, excessive, and harassing credit reporting practices in violation of the Fair Credit Reporting Act. Inconsistently Reporting Across Bureaus The account appears open with TransUnion, but closed with Experian and Equifax this inconsistency creates confusion and unfair damage to my credit. 
The last active date varies across reports : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Excessive Reporting with No New Information The agency has updated the account multiple times per month, even when no payments or balance changes have occurred. 
These repeated updates appear designed to keep the account appearing fresh and cause ongoing credit harm, which I believe qualifies as harassment or abuse under the spirit of the Fair credit report act. 
Potential Re-Aging There is concern that the date of last activity is being altered to extend the time the account remains on my report, which is prohibited under the FCRA.

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 2025-07-17 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:
I am filing a complaint against XXXX XXXX XXXX for fraudulent account reporting, as well as inaccurate, excessive, and harassing credit reporting practices in violation of the Fair Credit Reporting Act. Inconsistently Reporting Across Bureaus The account appears open with TransUnion, but closed with Experian and Equifax this inconsistency creates confusion and unfair damage to my credit. 
The last active date varies across reports : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Excessive Reporting with No New Information The agency has updated the account multiple times per month, even when no payments or balance changes have occurred. 
These repeated updates appear designed to keep the account appearing fresh and cause ongoing credit harm, which I believe qualifies as harassment or abuse under the spirit of the Fair credit report act. 
Potential Re-Aging There is concern that the date of last activity is being altered to extend the time the account remains on my report, which is prohibited under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under 15 U.S. Code 16810 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-07-17 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under 15 U.S. Code 16810 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under {$16000.00} ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-07-17 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXXXXXX XXXX {$5800.00} DATE OPEN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} DATE OPEN : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXXXXXX XXXX {$5800.00} DATE OPEN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} DATE OPEN : XX/XX/year>

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 2025-07-17 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-17 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: SC

Complaint narrative:
Dear CFPB Agent, This is a formal request to delete outdated or inactive derogatory accounts listed on my Equifax credit report. These items are no longer relevant, and some may be tied to identity theft. 

Inactive/Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Closed with late payments 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Charged Off 3. XXXX XXXX XXXX  XXXX XXXX Status : Collection XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Status : Closed, unresolved dispute XXXX. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Status : Charged Off These accounts are causing unjust harm due to outdated or fraudulent reporting. 

Legal Basis : 15 U.S.C. 1681c mandates removal of old negative items beyond 7 years.

15 U.S.C. 1681c-2 allows blocking of identity theft-related items upon proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account listed below is inaccurately reporting late payments, which I believe to be incomplete, unverifiable, or otherwise incorrect. I request that these late payments be deleted from my credit file. 

Account Information : * Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX * Account Number : XXXX Legal Basis for This Dispute : * 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must investigate disputed information and delete or correct any unverifiable or inaccurate data.

* 15 U.S. Code 1666 and 12 CFR 1026.13 ( Regulation Z ) : These laws govern the proper handling and correction of billing errors, including improper or disputed reporting of payment history. 
* 15 U.S. Code 1681s-2 : Furnishers of information ( such as XXXX ) are legally obligated to provide accurate data. Failure to do so requires that incorrect or unverifiable information be removed. 

Requested Resolution : I request that all late payments reported under this account be deleted from my credit file. If the credit bureau and data furnisher can not verify the accuracy of the late payment information with supporting documentation, it must be removed as required by federal law. 
Please conduct a reinvestigation within the required 30-day timeframe as outlined in the FCRA, and provide me with written confirmation of the results. I also request that this letter be added to my credit file as part of my consumer statement.

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