vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to XXXX XXXX XXXX asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( XXXX, Equifax, and XXXX  ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: DC

Complaint narrative:
The XXXXXXXX XXXX card account from XXXXXXXX XXXX is closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct and update the account balance and status on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: DC

Complaint narrative:
The XXXXXXXX XXXX card account from XXXXXXXX XXXX is closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct and update the account balance and status on my credit report.

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 2025-04-28 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Related to Data Breach Dear Equifax Dispute Department , I am writing to formally dispute certain inaccurate information listed on my Equifax credit report, which I believe may be a result of the XXXX Equifax data breach that exposed my personal information. 

The following item ( XXXX ) on my credit report are inaccurate and/or fraudulent : Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

And the following inquires are unauthorized also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX have enclosed copies of the following documents to support my claim : - A copy of my drivers license and a utility bill ( proof of identity and address ) - A completed FTC Identity Theft Report ( if applicable ) - Equifax data breach support document Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and either verified or removed within the XXXX timeframe. If it can not be verified, it must be removed. 

Please send me written confirmation of the outcome of your investigation. If any changes are made to my report, kindly send me an updated copy. 

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-04-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Related to Data Breach Dear Equifax Dispute Department , I am writing to formally dispute certain inaccurate information listed on my Equifax credit report, which I believe may be a result of the XXXX Equifax data breach that exposed my personal information. 

The following item ( XXXX ) on my credit report are inaccurate and/or fraudulent : Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX XXXX Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

Creditor Name : XXXX  Account Number : XXXX * * * * Dispute Reason : I did not open this account/ This account is the result of identity theft Requested Action : Please investigate and remove this account from my credit file. 

And the following inquires are unauthorized also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX have enclosed copies of the following documents to support my claim : - A copy of my drivers license and a utility bill ( proof of identity and address ) - A completed FTC Identity Theft Report ( if applicable ) - Equifax data breach support document Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and either verified or removed within the XXXX timeframe. If it can not be verified, it must be removed. 

Please send me written confirmation of the outcome of your investigation. If any changes are made to my report, kindly send me an updated copy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX, XX/XX/XXXX account # XXXX and XX/XX/XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX, XXXX  XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX, XX/XX/XXXX account # XXXX, and XX/XX/XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX account # XXXX, XXXX XXXX  XXXX XXXX  opened XX/XX/XXXX account # XXXX, XXXX XXXX XXXX XXXX with a balance of {$800.00}. These accounts of resulted in several fraudulent derogatory findings on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am urgently filing this complaint against Experian for violating the Fair Credit Reporting Act due to the improper reinsertion of a previously deleted account. The account is XXXX XXXX  with account number XXXX. After a prior dispute, this account was deleted from my credit file. However, Experian has reinserted it without providing the required written notice or obtaining certification of accuracy, as mandated under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). No notice was sent to me within five ( 5 ) business days of the reinsertion, nor was I provided the name, address, or contact information of the furnisher, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ). Experians failure to follow these legal obligations is a direct violation of my rights and subjects them to liability under 15 U.S.C. 1681n and 1681o. This unauthorized reinsertion is causing ongoing harm to my credit profile and financial opportunities. I demand urgent corrective action : immediate permanent removal of the XXXX XXXX  account and that Experian be held fully accountable for willful and negligent noncompliance.

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 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
b'This inquires was placed on my credit report without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
b'This inquires was placed on my credit report without my permission\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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. 

Accounts in Question : XXXXXXXX XXXX XXXX XXXX, XX/XX/year> BALANCE {$760.00} XXXX XXXX XXXX, XXXX XXXX BALANCE {$5700.00} XXXX XXXX  XXXX XXXX BALANCE {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCE {$520.00} XXXX XXXX, XXXX XXXX BALANCE {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm wondering why Citi has threatened me with " to report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My account has never been past due during the entire time of this dispute, and the fact that Citi is stating otherwise is absurd. This statement, " Because you disagree with the resolution of your dispute, we previously requested the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This statement from Citi " will remain in place until your outstanding account balance is paid in full. Should you wish to have the disputed by the consumer note removed from your credit profile, it will be necessary for you to contact us at the address listed above. '' This seems extremely hostile and unnecessary. Citi is not upholding its agreement on the initial resolution. I was specifically offered a {$250.00} credit to my account. I thought Citi would get my full purchase amount back based on a letter stating that they were in the process of a resolution with the other bank. They are saying now that they can not provide the credit and are only giving a {$100.00} credit that I can not use until XXXX of next year. It is pretty clear that Citi couldn't care less about my relationship with them and has taken every action necessary to provide the worst customer service to resolve this issue. I thought I could rely on them to do what they said they would do at the bare minimum. Instead, they chose to threaten me by reporting my account as past due, which it is not and has never been since I opened the card in XXXX. Of course, I want the note removed from my credit profile because there was never a reason to add it.

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 2025-04-28 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: OK

Complaint narrative:
TransUnion is inaccurately reporting several hard inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries nor do I have existing accounts related to these hard pulls. Under 15 USC 1681b ( c ), consumer reporting agencies must ensure that only permissible purpose inquiries appear on a consumer report. TransUnions failure to remove unauthorized inquiries after dispute raises serious concerns about compliance with FCRA standards.

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 2025-04-29 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:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Basis for Removal : Under the FCRA, specifically XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting unauthorized and unverifiable hard inquiries from XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, both of which were not authorized by me in writing and are unsupported by any verifiable documentation proving permissible purpose under 15 USC 1681b. Equifax is obligated under 15 USC 1681e ( b ) and 15 USC 1681i to maintain maximum possible accuracy and must verify that all inquiries have a lawful basis. No authenticated proof has been provided to justify the presence of these inquiries, which have likely stemmed from compromised or breached consumer data. Allowing unverified inquiries to persist damages my credit profile and exposes me to increased risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft, as documented by my official FTC Identity Theft Report However, my credit reports are polluted with unauthorized and fraudulent names, addresses, employers, inquiries, and accounts. Despite my disputes and providing proof of identity theft, the credit reporting agencies and furnishers have failed to : Additionally, I demand confirmation that all reinsertion protections under FCRA 611 ( a ) ( 5 ) ( B ) are being followed and that NO fraudulent information will be reinserted without full compliance.

Their failure to act constitutes : Violations of FCRA 605B, 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Potential violations of IRS Code 6050P regarding incorrect charged-off account Despite providing them the FTC report , driver 's license, proof of address, and highlighting the fraudulent entries, they have continued to allow the false data to report, harming my credit score and causing ongoing distress.

Company response to consumer: Closed with non-monetary relief