vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}

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 explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: IL

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.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
For the past nine months, my husband has been using direct deposit to deposit his wages from his employer directly into my personal checking account without issue. Recently, his employer changed their payment method to paper checks. On XX/XX/year>, I deposited his paycheck into my account at [ Bank Name ], consistent with the previous pattern of deposits. 

To my surprise, I discovered shortly thereafter that all of my bank accounts had been closed without any prior notice or communication from your institution. I immediately contacted customer service on XX/XX/year>, seeking clarification. Unfortunately, I was told that no reason could be provided for the account closures. 

This situation has caused significant distress and inconvenience. I have been a loyal customer, and the abrupt closure of my accounts without explanation or warning is unacceptable. I respectfully request a detailed written explanation of the reason for the closures and the specific policy or issue that prompted this action. Additionally, I request immediate access to any remaining funds in the closed accounts and assistance in resolving this matter promptly.

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 2025-06-30 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: TX

Complaint narrative:
Repetitive dispute letters sent to creditor and CRAs-no response from XXXX XXXX XXXXWhile XXXX  Experian and XXXX  found the account was accurate.

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 2025-06-30 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:
Repetitive dispute letters sent to creditor and CRAs-no response from XXXX XXXX XXXX.While Equifax XXXX  and XXXX  found the account was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Inquiries and Accounts Dear Sir/Madam, I am writing to formally block the presence of fraudulent accounts that have been reported on my credit file. Upon reviewing my credit report, I have identified several items that I believe are the result of fraudulent activity and do not reflect my actions. 
The specific items I am disputing are as follows : Fraudulent Accounts XXXX XXXX  Account number XXXX Open Date XX/XX/XXXX Status Closed XXXX  Account number XXXX XXXX Date XX/XX/XXXX Status Closed

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Inquiries and Accounts Dear Sir/Madam, I am writing to formally block the presence of fraudulent accounts that have been reported on my credit file. Upon reviewing my credit report, I have identified several items that I believe are the result of fraudulent activity and do not reflect my actions. 
The specific items I am disputing are as follows : Fraudulent Accounts XXXX XXXX  Account number XXXX Open Date XX/XX/XXXX Status Closed XXXX Account number XXXX XXXX Date XX/XX/XXXX Status Closed

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 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
submitted formal disputes to Experian in XXXX, XXXX, and XXXX of XXXX to address numerous false, outdated, or misleading tradelines on my credit report. Despite clearly flagging these issues, Experian responded with blanket statements like Remains or Consumer Disagrees and failed to conduct any meaningful reinvestigation, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 
Under the law, if an item can not be verified, it must be corrected or deleted. Instead, Experian left the same data intact without showing how it was verified, what documents were reviewed, or whether the furnisher even responded violating XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
Here are just a few examples of Experians failure : XXXX XXXX # XXXX : Marked as charged off but no XX/XX/XXXX day delinquencies shown in the history. Returned as Remains with no evidence of verification. 
XXXX XXXX XXXXXXXX # XXXX : Still showing a $ XXXX charge-off despite being in active legal negotiation for over a year. No updated notes or acknowledgment of dispute outcome. 
XXXX # XXXX & # XXXX : Past due balances listed on closed accounts, not corrected after disputes. XXXX even says Meets FCRA requirements, which is a lazy generic dismissal not a verification. 
These are serious violations of : XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate XXXX ( a ) ( XXXX ) Failure to correct or update inaccurate information XXXX ( b ) Not using reasonable procedures to ensure accuracy XXXX ( a ) ( XXXX ) Refusing to delete unverifiable information XXXX ( a ) ( XXXX ) ( B ) Not disclosing how the reinvestigation was done Experian provided no contact details, documents, or reinvestigation results. Their Remains decisions appear to be rubber-stamped. The only thing they added was a generic Consumer Disagrees tag which does not fulfill their legal obligation to delete unverifiable or inaccurate data. 
On top of that, I have been on full medical leave for over XXXX years, and my wife for over XXXX  years, both due to serious health issues. We are both permanently disabled and living on fixed income. I have been actively working with XXXX XXXX XXXX XXXX XXXX in New York for over XXXX months, legally negotiating these accounts. Some may already be settled. None of this is reflected in the reporting, dispute outcomes, or Experians responses.

Experians refusal to even acknowledge this ongoing legal and financial hardship is not only unprofessional it borders on malicious negligence. They have made no reasonable effort to comply with the FCRA, and their actions ( and inaction ) have caused us financial harm, credit denials, higher interest rates, and emotional stress.

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 2025-06-30 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
My information was used incorrectly without my permission

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
XXXX XXXX To : Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Subject : Dispute of Fraudulent Debt Under 15 U.S.C. 1692g & 1692e Unauthorized Account Sold by XXXX  To Whom It May Concern, I am writing to formally dispute an account you are attempting to collect, allegedly connected to XXXX and sold to your company. This account is fraudulent and was never opened or authorized by me. 



Details of the Alleged Debt : Original Creditor : XXXX Current Collector : Southwest Credit Systems Account Number : XXXX Amount : {$690.00} Legal Basis for Dispute : Under the Fair Debt Collection Practices Act, I am invoking the following provisions : 1. 15 U.S.C. 1692g ( b ) : I request full validation of this debt, including a complete breakdown of the amount, a copy of the original contract or application, and proof of legal ownership or assignment. 
XXXX. 15 U.S.C. 1692e : If you are reporting this debt to credit bureaus or collecting without proper legal assignment, this constitutes a misrepresentation, which is illegal under federal law. 
XXXX. 15 U.S.C. 1692c ( c ) : I also invoke my right to request that you cease all communication regarding this debt unless proper legal validation is provided. 



Fraud Alert National Breaches : I believe this fraudulent account was created using stolen information exposed in XXXX or more of the following national data breaches : XXXX XXXX XXXX  XXXX ) : XXXX XXXX affected XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX affected XXXX XXXX ( XXXX & XXXX ) : Over XXXX XXXX affected XXXX XXXX XXXX  ( XXXX ) : Exposed federal, financial, and personal records As a result, I have been the victim of identity theft and request this debt be flagged as such and removed from any credit reporting systems. 



Final Notice : If you can not prove clear ownership or legal right to collect this debt, or continue to report it to credit bureaus, I will take further steps, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submitting reports to the Federal Trade Commission ( FTC ) Contacting my State Attorney General Suing for damages and violations of the FDCPA Please respond within the statutory time frame ( XXXX  days ) with the requested validation. If you do not provide proper evidence, you must delete this tradeline and stop collection immediately. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was reaching out to your department today to inquire about recent loan applications Ive applied for at Navy Federal. In both instances Ive been denied upon receiving my denial letter from the bank. It states that my credit score is at XXXX. Ive been monitoring my credit for the past several years and I recently purchased a house so I know my credit across all FICOs is between XXXX and XXXX. Can somebody explain to me why this is, and Can I please have a reevaluation of my credit? 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Acct ending XXXX I did ask for the original charges when the young mane couldnt tell me. I ask for document with my signature couldnt produce it. 
Copys of billing statements. 
I was told that the balance showing on the credit report was 90 % interest and late charges. It has been charged off. Account closed as it states on the credit report. The charges did not look like charges made but were many XXXX by XXXX XXXX charges that I did not make. Most go back to XXXX I found inaccurate charges on the year-to- date total fees mostly interested. 
XX/XX/XXXX On another attempt to get this figured out a young smart talking man said balance from XXXX was for XXXX and XXXX. Was late fees I have these statements. Please help this charge off I affecting my credit and also the authorized user credit.

Company response to consumer: Closed with non-monetary relief