vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX has violated my rights. 

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX has violated my rights. 

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-13 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: CA

Complaint narrative:
I am writing with urgency to demand an immediate investigation and correction of inaccurate information that is currently being reported on my credit file. I am absolutely stunned to see an entry that is not only incorrect but harmful to my credit reputation, which Ive worked hard to maintain.

This is not a minor oversight this is an error thats negatively impacting my financial profile and, frankly, its unacceptable. Im attaching documentation to back up everything Im stating here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am submitting this complaint to formally report XXXX XXXX Bank for ongoing violations of federal consumer protection laws in connection with the inaccurate reporting of my open credit card account. Despite being active and in good standing, XXXX XXXX has falsely reported the account as 'Closed ' and has furnished multiple unverifiable late payments, including a XXXX delinquency in XX/XX/year>. These entries are patently inaccurate, legally impermissible, and are causing me demonstrable harm both personally and professionally. I have experienced credit denials, elevated interest rates, and reputational damage that continue to impair my financial standing as a Service-Disabled Veteran and small business owner. The following legal violations apply to XXXX XXXX 's reporting and the credit bureaus ' failure to take corrective action : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing information known to be inaccurate ( false closed status ) 2. FCRA 1681s-2 ( b ) ( 1 ) ( A ) - Failure to reasonably investigate the dispute 3. FCRA 1681s-2 ( b ) ( 1 ) ( D ) - Continuing to report inaccurate data after dispute resolution 4. FCRA 623 ( a ) ( 5 ) - Failure to provide the Date of First Delinquency ( DOFD ) 5. FCRA 605 ( c ) - Illegal re-aging of account delinquency ( reporting a XXXX late with no prior XXXX lates ) 6. FCRA 1681i - Failure of the credit bureaus to conduct a reasonable reinvestigation 7. 15 U.S.C. 1666b - Misreporting payments made on time as late ( Truth in Lending Act ) 8. Violation of XXXX XXXX guidelines- Reporting a XXXX late without proper sequence violates credit industry standards XXXX. Inconsistent furnishing of XXXX XXXX credit bureaus - conflicting reports on account status and delinquencies I have exhausted direct dispute channels. My intent is clear : I demand immediate removal of all inaccurately reported late payments associated with this account. I also demand correction of the account status to reflect that it remains XXXX and in good standing. If XXXX XXXX Bank can not provide documented, verifiable proof of each alleged delinquency, including original billing statements, timestamps of payment receipt, and XXXX, then the Fair Credit Reporting Act mandates that this information be promptly removed. The willful failure to correct these inaccuracies is not only harmful, but it reflects a pattern of noncompliance that has been the subject of regulatory scrutiny and litigation in the past. I request that the Consumer Financial Protection Bureau act with urgency to enforce the law and protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Per our prior communication, your XXXX XXXX, XXXX. account is now being handled by our office. You do have payment options which can be viewed at infoXXXX 

We have limited time to work with you before returning your account to our client. 

We understand that you were previously making payments on this. We are available to assist you with getting back on track. 

We see you made a payment of {$420.00} on XX/XX/year>. We have put together some offers that XXXX suit you better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-13 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-13 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that XXXX, Equifax, and XXXX  Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-13 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that XXXX, Equifax, and XXXX  Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-13 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am a victim of identity theft and ChexSystems is reporting multiple fraudulent accounts that I never opened or authorized. 

The following accounts were fraudulently opened under my name and reported to ChexSystems : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Amount : {$3600.00} XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never had any relationship with these financial institutions and did not authorize any of these accounts. 

I submitted my FTC Identity Theft Report ( # XXXX ), ID, and proof of address to ChexSystems, yet these accounts remain. Under FCRA Section 605B [ 15 U.S.C. 1681c2 ], they are required to block identity theft-related items within XXXX business days of receiving proper documentation. 

This failure to act is illegal and damaging to my financial wellbeing.

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 2025-06-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that XXXX, Equifax, and XXXX  Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/scrub>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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is in regards to the previous complaint I submitted against XXXX XXXX Citi Credit Card and XXXX XXXX. There was a fraudulent charge from XXXX XXXX XXXX in the amount of {$1200.00}, a person named XXXX XXXX XXXX booked and occupied a room in XXXX XXXX XXXX last XXXX XXXX and made a fraudulent, unauthorized charge. This person in not known to me and definitely not an authorized user of my credit card, I only known about this from Citi 's investigation .I have disputed this with Citi and XXXX , Citi initially said that I was responsible for the charge because XXXX said that all sales are final despite this being a fraudulent charge, Citi reversed the charge when I submitted a complaint to this agency, Consumer Financial Bureau last XXXX XXXX but now Citi sent an email dated XXXX XXXX that they are trying to resolve the dispute but XXXX is adamant in not to give credit and they are going to report me to the 3 credit reporting bureau if I do not pay the minimum balance. Citi supposedly has XXXX liability for fraudulent claims but in this case, which is clearly a fraudulent case they are not protecting me as their credit card holder of good standing.

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 2025-06-13 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that XXXX, Equifax, and XXXX  Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/scrub>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 XXXXXX/XX/year>

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have identified unauthorized inquiries on my credit report that I did not initiate. I am requesting that these inquiries be removed, as the associated accounts have already been 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 2025-06-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: VA

Complaint narrative:
My Skylight prepaid payroll card has been locked for over a month. Since then, every time I try to log in, I receive a message telling me to call customer service. I have called daily, often waiting on hold for 1 to 3 hours, but I have never been able to speak with a representative or get any information about why my account is locked or how to unlock it.

I have funds on this card from my tips and mileage reimbursements that I urgently need to access. Despite multiple attempts to resolve the issue through all available customer support channels, no
assistance or explanation has been provided. This has caused me significant financial hardship.

The company has failed to respond to my requests for information and has not unlocked my account or restored my access to the funds. I am requesting that Netspend/Skylight unlock my account or provide a clear explanation and resolution so I can access my money.

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 2025-06-13 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: CA

Complaint narrative:
Greetings, I am sending this follow-up regarding the fraudulent inquiries on my file that I would like to have removed from my credit report. I appreciate that many negative inquiries have been removed, and I am grateful for that. However, there are still more fraudulent inquiries remaining on my Experian and Equifax credit reports. I kindly request that all remaining fraudulent inquiries be removed from my file, as required by law. Please see the list of fraudulent inquiries below that I would like to be removed from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation