vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2025-05-14 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
Reason for Dispute : This account is the result of identity theft and fraud. I did not open this account nor authorize any transactions associated with it. 


I am writing to formally dispute inaccurate and fraudulent information reported on my credit file. The items detailed below are the result of identity theft and do not belong to me. I am requesting that you investigate and remove these entries from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The Consumer Financial Protection Bureau ( CFPB ) has publicly alleged that credit bureaus have failed to properly investigate consumer disputes, despite the significant role credit reports play in financial decisions like loan approvals, housing applications, and employment opportunities. Given the serious impact of these inaccuracies, I expect a thorough and timely investigation. 
Additional documentation verifying the fraudulent nature of these accounts 15 US Code 1692c Reports filed with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office Confirmation of complaints filed with the Internet Crime Complaint Center ( IC3 ) : IC3 Confirmation Numbers : XXXX, XXXX, XXXX In accordance with the FCRA, I request that these fraudulent items be deleted from my credit report. Please complete your investigation within the mandated XXXX period and provide written confirmation of the outcome. 

If the investigation does not resolve the dispute, I intend to pursue further action by submitting formal complaints to the CFPB, FTC, and the State Attorney Generals Office to ensure my rights are fully enforced. 

Thank you for your prompt attention to this urgent matter.

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 2025-05-14 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have XXXX reward program accounts with citibank from different citi-credit cards I owned. This has been over XXXX years since I opened my accounts. End of last XXXX, I transferred reward points XXXX from XXXX account to another ( both accounts remained opened at the time and I didn't request to close either XXXX ). 
However, today ( XX/XX/year> ) as I checked my reward balance, it was mere XXXX. I called and asked for the disappearing XXXX and the representative told me those points " expired. '' I got XXXX notification or warning from Citibank regarding these points are about to expire and nor did I notice those points ( transfer from my own citi account to another citi account ) will expire. They refused to reinstate my points and I want to file a complaint on the unfair and unjustified action and rules by citibank reward program ( Thank You Points Program ). These points were earned by myself throughout the years of using their credit cards, they should not just take it away without any notification.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding the sudden and unexplained closure of my XXXXXXXX XXXX XXXX account, issued by Comenity Bank. 

On XX/XX/XXXX, I discovered that my XXXXXXXX XXXX XXXX  account had been closed without any prior notice or communication from the issuer. I did not receive a letter, email, phone call, or any other form of notification regarding the closure. The account was in good standing, and I have consistently met my payment obligations. I believe this action was unfair and may negatively impact my credit score and financial standing. 

I contacted the card issuer to seek clarification, but I was either given vague reasons or referred to general policies without any specific explanation. I am deeply concerned about the lack of transparency and the potential violation of fair credit practices. 

I respectfully request that the CFPB investigate this matter and assist in obtaining : A clear explanation from the issuer regarding the reason for the account closure. 

Documentation or records showing when and how they attempted to notify me. 

Information about any impact this closure may have had on my credit report. 

If applicable, assistance in reinstating the account or remedying any harm caused by this closure. 

Please let me know if you need any additional documentation or information from my side. I appreciate your attention to this matter and your efforts to ensure fair treatment of consumers in the financial services industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Please delete this account ( XXXX XXXX XXXX ) This collector has improperly used my account and did not provide verifiable information with 30 days of request. They could not verify the account with the amount of ( {$1200.00} ) was owned by myself. 
Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Please delete this account ( XXXX XXXX XXXX ) This collector has improperly used my account and did not provide verifiable information with 30 days of request. They could not verify the account with the amount of ( {$1200.00} ) was owned by myself. 
Please delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has publicly alleged that credit bureaus have failed to properly investigate consumer disputes, despite the significant role credit reports play in financial decisions like loan approvals, housing applications, and employment opportunities. Given the serious impact of these inaccuracies, I expect a thorough and timely investigation. 

In accordance with the FCRA, I request that these fraudulent items be deleted from my credit report. Please complete your investigation within the mandated XXXX period and provide written confirmation of the outcome. 

Confirmation of complaints filed with the Internet Crime Complaint Center ( XXXX ) : XXXX Confirmation Numbers : XXXX, XXXX, XXXX Reports filed with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office If the investigation does not resolve the dispute, I intend to pursue further action by submitting formal complaints to the CFPB, FTC, and the State Attorney Generals Office to ensure my rights are fully enforced. 

Thank you for your prompt attention to this urgent matter.

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 2025-05-14 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: VA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has publicly alleged that credit bureaus have failed to properly investigate consumer disputes, despite the significant role credit reports play in financial decisions like loan approvals, housing applications, and employment opportunities. Given the serious impact of these inaccuracies, I expect a thorough and timely investigation. 

In accordance with the FCRA, I request that these fraudulent items be deleted from my credit report. Please complete your investigation within the mandated XXXX period and provide written confirmation of the outcome. 

Confirmation of complaints filed with the Internet Crime Complaint Center ( XXXX ) : XXXX Confirmation Numbers : XXXX, XXXX, XXXX Reports filed with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office If the investigation does not resolve the dispute, I intend to pursue further action by submitting formal complaints to the CFPB, FTC, and the State Attorney Generals Office to ensure my rights are fully enforced. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. - A copy of my Identity Theft Report and proof of my identity. - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2025-05-14 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: MO

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-05-14 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XX/XX/year> credit card payment was due on XXXX XXXX and I made my payment on XXXX XXXX XXXX federal reported to credit bureau my payment was late XXXX days, that information is inaccurate. Please update this immediately, this is causing harm to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XX/XX/year> credit card payment was due on XXXX XXXX and I made my payment on XXXX XXXX XXXX federal reported to credit bureau my payment was late XXXX days, that information is inaccurate. Please update this immediately, this is causing harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was notified that a new remark was on my credit report from bank and other credit monitoring agencies. I was given info to contact credit reporting company. They stated that the account was from XXXX. I had no knowledge of this acct and that my info was being used. This acct was XXXX IC Sysytems which was reported from XXXX XXXX. They had acct stating it was a XXXX  Acct for Phone/TV/Internet I assume. They stated the balance was reported in XXXX. I have never had any knowledge of this acct. I am a victim of several data breaches and believe my info was vulnerable and used. Why is this acct now just showing up in XXXX? I want this info removed off my credit report. It has drastically decreased my credit score. These companies are parasites and sharks waiting to prey on you to take ur money and prevent you from opportunities when credit is needed.

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 2025-05-14 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: OH

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. 

I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

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 2025-05-14 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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