vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was informed my several companies that my credit report cant be verified Experian stated my address was removed They requested I send by mail my address verification I sent it overnight at requested and they are saying it wasnt from me and wont update my file Tried calling and its only an automated message and no operator available

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at DEPT OF EDUCATIONXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at DEPT OF EDUCATION/XXXX XXXX on XX/XX/XXXX with a balance of {$5600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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  ( private case number ) as proof from the US 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 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I attempted on the XXXX of XXXX to do a balance transfer from my Bank of America credit card to my XXXX credit card to take advantage of a XXXX XXXX APR offer from XXXX. 
However, when i got the email of bank of america on the next following day I saw increase in my bank of america balance.I misunderstood the process and initiated the transfer through the Bank of America app, which was labeled as a " balance transfer. '' There was no clear explanation that it would send funds to XXXX instead of transferring debt from Bank of America. 

As a result, Bank of America increased my credit balance by {$3900.00} and transferred funds to XXXX, which was not my intention. I immediately contacted both banks. XXXX informed me they can only return the funds by mailing a check to me or depositing to my checking account. I chose the check, and I'm now waiting to receive it before I can attempt the balance transfer again this time correctly. 

In the meantime, Bank of America charged me a fee of {$150.00} for this transaction, even though it was based on a misunderstanding and resulted in a reversal process. I contacted Bank of America to ask for the fee to be waived due to the mistake and confusion, but they refused. 


Im requesting a refund of the {$150.00} balance transfer fee. The transaction was a mistake based on unclear labeling and process in the app, and I acted in good faith to correct it right away. It is unreasonable to be charged twice for a single transfer that didnt even serve its intended purpose.

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: 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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: 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: TX

Complaint narrative:
o Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe ( referenced above ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt.

Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt ( e.g., signed contract, account agreement ). 

The name and address of the original creditor ( not just a debt buyer ). 

A complete breakdown of the claimed amount, including : Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations ( Floridas limit is typically 5 years for most debts ).

Verification that your company is licensed to collect debts in Florida ( if applicable ).

Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation.

Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA.

Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have made several attempts to reach them about the charges on this account I paid them back in XX/XX/year> and they allow extra fees on this account and I don't think this is fair, when I spoke with them about the amount of {$100.00} the only about that was accurate to charge and the amount I told them I would pay, also request them to send me a letter they will remove this XXXX it was done they denied and the account looks to have went to a XXXX party with wrong information.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Response to Letter Received and Dispute of Credit Report Inaccuracies Dear Credit Bureau, I am writing in response to the letter I received on XX/XX/XXXX and XX/XX/XXXX, regarding the inaccuracies pertaining to First Premier that being reported on Trans Union, XXXX  and XXXX I appreciate your communication ; however, I have identified several inaccuracies in my credit report that I would like to formally dispute. 
Below are the discrepancies Ive found : XXXX. XXXX XXXX XXXX o Inaccuracy : They are showing incorrect data for the account being open as of XX/XX/XXXX and XX/XX/XXXX inaccurate and inconsistent o Correction Requested : Please update this account by deleting off my credit report. 
o Inaccuracy : Last date of activity shows XX/XX/XXXX and XX/XX/XXXX. Inaccurate and inconsistent information o Correction Requested : Kindly delete to ensure accuracy. 
o Inaccuracy : Credit limit shows XXXX dollars and XXXX dollars inconsistent and inaccurate o Correction Requested : Please remove this account entirely from my report. 
I have enclosed copies of supporting documents to assist in your investigation and resolution of these matters. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide a written response with the results of your findings. If any of the information can not be verified, I respectfully request that it be removed from my credit file. 
Thank you for your attention to this matter. I look forward to a prompt resolution and an updated copy of my credit report reflecting the necessary corrections. 
Sincerely, XXXX XXXX

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

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 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: PA

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 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A public record is reported on my consumer report when it should not be. I contacted Transunion to request the name of the vendor who is providing this information so that I can dispute directly and Transunion over the phone and by certified mail has declined to provide this information. The response that I got by a supervisor over the phone is that there is not a vendor listed to where we receive this information and there are many companies that we use. I next contacted XXXX and they have confirmed and verified by letter that there is no public record on their consumer report for me. I contacted the US XXXX  XXXX   clerk who is the original furnisher and they have confirmed and verified by letter that they do not verify public records with or for credit agencies. 

I disputed this same public record with XXXX  and XXXX  and provided the same information. Im about to provide here and the public record was removed because it does not belong on my consumer report. I do not understand why TransUnion is intentionally causing financial harm to myself and other consumers who dispute with them. 

The law states that credit agencies must verify with the original furnisher. Even if a public record is obtainable, its still must be verifiable. If Trans Union refuses to delete this public record, they must at minimal as per FCRA guidelines provide the information of the vendor who is providing this information to them so I have a fair opportunity to dispute. 

In previous disputes, Trans Union says they are sending letters to my home. However, the letters are generic letters that do not go beyond saying an account was verified. 

I need accountability here by CFPB because Trans Union is not truly being fair to the consumer, which is a violation of the consumer laws. 

Please force TransUnion to reinvestigate because I truly believe they are not doing so. 

15 U.S.C. 1681i FCRA section 611 15 U.S.C. 1681e FCRA section 607 15 U.S.C. 1681c FCRA section 605 I have attached the letters from XXXX XXXX, and the XXXX XXXX  court. 

Please delete the public record from my Trans Union consumer report immediately. 

Thank you.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Account The General In. Company # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My synchrony bank credit card is closed without notification. It has no balance and no issue with usage or whatever. The only reason they mention is it is inactive for some time and the card is still current ( not expired ). This thing affected my credit score which is totally unfair and I believe illegal too. I asked the manager and they said they can not reopen it. They didnt give me a chance to use it before it is closed. It is really bad for me since it affected my credit score too. Can you help please? 
Thank you

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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-04-23 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation