vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: VT

Complaint narrative:
I made a refundable reservation with a hotel using my citi credit card on XXXX XXXX 2024 for a stay from XXXX XXXX XXXX. I have a booking confirmation that states that the reservation can be canceled 2 days prior to arrival by XXXX. I canceled the reservation on XXXX XXXX XXXX within the cancelation period stated on the confirmation email. I have proof of those booking and cancelation emails that outline the terms of cancelation and that I met the requirements for the cancelation. I emailed the hotel company on XX/XX/XXXX to ask about the status of my refund and after not receiving a response 2 days later, I disputed the charge with the credit card company ( Citi ) on XX/XX/XXXX. When filing the dispute, Citi bank did not allow me to add any attachments to provide proof of the dispute. Citi gave the hotel company two months to response, up to XX/XX/XXXX. I received an email from Citi with an update on my dispute stating that the hotel company states the reservation was non-refundable and that they have reserved a conditional credit and have closed the investigation. This is inconsistent with the booking confirmation emails, cancellation emails and any terms outlined to my at purchase of the reservation. I was not provided with any documents that prove the reservation was non-refundable and the letter from Citi states I have one week to respond. I do not understand how they can give a company 2 months to respond, and I only have one week. I have submitted the documents requested to continue my dispute including the emails from the booking confirmation, cancellation confirmation, etc.

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 monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX, I received a debit/credit card from Navy Federal Credit Union with my maiden name  ( XXXX XXXX XXXX printed on the front. I do not bank with Navy Federal Credit Union and have ever stepped foot in one of their branches - nor has my husband. 

We called Navy Federal Credit Union that same evening and verify that the account was active with {$5.00} in the checking account, - {$5.00} in the savings account and whoever opened the account has my social, DOB and mailing address. The only information that was not correct was the email address. The person who opened the account used XXXX to create a fake email address. 

The customer service person confirmed that in order to open an account with Navy Federal Credit Union they require that the person applying for an account must be either currently active or a veteran of the Navy or they must be sponsored by someone who was in the Navy as well as two forms of identification. This was disturbing on multiple levels - 1 ) a current or former military member assisted in committing fraud and 2 ) they also have a fake id and social security card with my maiden information. I know that account number is requested, but only the last 4 digitals were provided with the debit/credit card, so I don't have the full account number. 

The customer service person froze the accounts while they complete the investigation, but she recommended that I file a claim with the CFBP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/year>, I have been submitting formal disputes and documentation to both XXXX XXXX and Equifax requesting the removal of an account that was inaccurately and unlawfully reported to my credit file. Despite multiple attempts over several months, neither XXXX XXXX nor Equifax has resolved the matter or provided a valid response or documentation. 

XXXX XXXX assured me before entering into the agreement that the account would not be reported to any credit bureau. That assurance was a deciding factor in choosing them for financing. Their later decision to report the account contradicts the terms agreed upon and has caused direct damage to my credit. 

The continued inaction by both parties is in violation of federal law, including 15 U.S.C. 1681i ( a ) for failure to investigate, 15 U.S.C. 1681s-2 ( a ) for furnishing inaccurate information, and 15 U.S.C. 1681b for lack of a permissible purpose. I am requesting immediate removal of this account from my credit file and statutory compensation for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I received a credit report notification of a debt collection that I have never received a bill or notice of debt to dispute. When I spoke to them on the phone, I told them I have not received any services from the party they claimed I had services, nor am I a guarantor for anyone. I have never received any notice of said medical bill, nor an attempt to collect any debt. I updated my address with both companies many times before, and in writing, so their miscommunication is no longer plausible as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian customer service yesterday on XX/XX/XXXX. I asked why a current credit report can't be generated? The last report generated on my Experian account is dated XX/XX/XXXX. The young lady explained that my address was missing from my credit profile. I was told that they needed documents with my address on it. 

I filed a dispute over the phone with a Experian customer service representative on XX/XX/XXXX. The dispute was to remove multiple addresses that somehow appeared on my credit report as previous addresses. I googled these multiple addresses and all of them were the addresses of my credit card companies. Experian listed my credit card companies addresses as my addresses. 

That's an internal Experian mistake. I was mailed a copy of my credit report with all of the credit card company addresses removed. This is the XX/XX/XXXX credit report. I haven't been able to generate my free credit report at Experian since this happened. I'll be providing copies of my current XXXX and XXXX XXXX XXXX XXXX XXXX through CFPB. I'll upload the documents with my account numbers and other information omitted. 

Experian only needs to see my name, address, and the current billing cycle date.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Have information that is not me on the report. In accurate 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 2025-04-23 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX  Date XXXX XXXX, 2023

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> {$930.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. The account does not belong to me, nor have I authorized. Please remove from my credit report as it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-23 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FC HoldCo LLC
State: TX

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe FLAGSHIP CRD. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: DE

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting an inaccurate late payment on my credit report. First it was derogatory remark in XXXX, changed to a late payment in XXXX, then changed again to late payment in XXXX, the inconsistency of there changes force my credit to result in over a XXXX point loss and is putting me in a bad financial situation

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