vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: GA

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. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : XXXX - 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 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
First of all prior ongoing complaints with documentation proof sent to your administration and previous administrations are full proof of identity theft and restricted employment with suppression and national identity concerns the remedying of identity theft in which I was almost killed I don't want to make insinuating allegations is not supposed to be reported to IRS it's not an income however the landlord is constantly complaining at my employment which is Macy 's in XXXX XXXX XXXX NY, I'm on XXXX XXXX XXXX in XXXX NJ due to identity caused by banking collector fraud and police corruption with the DMV indictments in XXXX NJ, state regulators investigation of banks in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, about five banks that all ended in indictments of bankers and the prior stated affiliation all of which I sent transaction receipts to the fdic Now the landlord and tenacy one floor below is trying to state I have a habit XXXX problem ECT ... due to the fact that they are dumpster diving picking thru Garbage harassment at work location because they are sharing financial information my account is on fraud alert as well as credit I've gotten lab work done XXXX XXXX  shows XXXX XXXX Or XXXX XXXX XXXX XXXXXXXX is being treated for injuries from a near XXXX experience The remedy of identity theft landlords think they are entitled to these funds all reported insurance does not cover the medicine required for XXXX XXXXXXXX the state was not in agreement with the rectification of the actions of identity theft the banking and insurance With local law enforcement recovering for bankers and landlords are not the personnel to be called in this situation their sharing information what rights do I have XXXX XXXX XXXX driving privileges should be reinstated due to the affected investigation that caused the distraught and suppression of its financial genocide in the area here with landlords checking out assets and how to obtain them this is America not XXXX XXXX with everything stripped away because of a secular belief or cause this is crimes against humanity. 
Your office has the resources and information provided pull it from archives Discrimination of national origin race financial employment due to the fact that the

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I had a checking account with Huntington Bank, which I closed over a month ago. However, it seems that the customer representative did not actually close my account, as I continue to receive emails and have also been charged a monthly fee. I called customer service again, but the representative was not able to understand the issue and merely justified the charges on a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I discovered that XXXX XXXX is being reported twice on my Equifax credit report under two separate entries, both referring to the same credit card account ending in XXXX. These duplicate listings contain conflicting or inconsistent information regarding payment history, account status, and/or balances. 

On [ insert approximate date you noticed the issue ], I filed a formal dispute with Equifax requesting an investigation and correction of this duplicate reporting. I explained that the two entries refer to the same account and that the inconsistency could negatively impact my credit score. 

Despite providing supporting documentation and a clear explanation, no meaningful correction has been made. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 

I am requesting that the duplicate entry be removed or consolidated, and that my credit report be corrected to reflect a single, accurate account. This is necessary to prevent further damage to my credit profile and ensure fair representation of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: WI

Complaint narrative:
I disputed the accuracy of the derogatory accounts on my credit report with TransUnion, Equifax, and Experian. Specifically XXXX XXXX and XXXX XXXX XXXX  credit cards that are reported as charged off. This is inaccurate. None of the XXXX agencies I disputed with have provided me with written verification of the accuracy of these accounts. I disputed on the following dates via XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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 writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, a copy of which is enclosed for your reference.

It has come to my attention that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly protects every consumers right to seek assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis to delay or deny a valid dispute.

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to timely investigate and correct the disputed information, as required by the FCRA, will be considered a willful violation of my rights under federal law.

I respectfully request that you process this matter without delay and in full compliance with all applicable legal requirements.

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 2025-05-20 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:
I recently reviewed my credit report and notice an account that is reporting inaccurately. I have late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. All credit bureaus should be reporting same and accurate information across the board. I demand these payments be updated to PAID ON TIME / NEVER LATE immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID ON TIME / NEVER LATE. 
Account info : XXXX XXXX XXXX Account number 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 2025-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( ss # XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : please be advised this is my Third Written Request and Final Warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligence noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that youverified that these items are being reported correctly : who verified these accounts? 

I request for the third time that you provide the method of verification you used. 

Your response should provide : The name of the original creditors documentation on The address and phone number of the original creditor The name of the person at your bureau who verified these accounts dispute with the original creditor You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to .. promptly DELETED all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be verified or deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is for a capital one khols XXXX  card that I had back in XXXX. The debt has been a XXXX XXXX  since and has been in my report for going on XXXX years. It has been dormant until this month when they decided to increase the past due amount. Again this has been a XXXX XXXX  since since XXXX  and the original amount was for {$470.00}. All of a sudden the amount increased to {$590.00}?? I believe the company is acting in bad faith by attempting to re-age the debt and restart the clock on collection. This is IMPROPER. And it has hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. As a consequence, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, and a copy is enclosed for your reference.

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly affirms every consumers right to obtain assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis for denying or delaying a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to promptly investigate and correct the disputed information, as required by the FCRA, will be regarded as a willful violation of my rights under federal law. 

I respectfully request that you address this matter without delay and in full compliance with all applicable legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX account improper use of 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 non-monetary relief
Consumer complaint received 2025-05-20 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX CARD XXXX XXXX. XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
I am writing to formally dispute a collection that appears on my credit report. The collection in question is reported under the name of XXXX XXXX XXXX and appears on my report with the account number XXXX. I have reason to believe it is inaccurate, or incomplete and does not fully comply with the legal requirements established by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) See attachment for full text, In specific debt collectors may not report past due payment history on a closed account. The account has been closed since XXXX. Terms of 1 month are inaccurate reporting -- their is no payment terms or payment agreement. XXXX XXXX is reporting me {$1700.00} past due as of XX/XX/XXXX -- Debt collectors can not be past due its a closed account. All of these are inaccurate reporting justifying deletion of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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