vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Urgent Personal Information Dispute and Correction Request I am writing to dispute and correct the inaccurate and outdated personal information currently being reported on my credit profile. As required by the Fair Credit Reporting Act ( FCRA ), all information included in my credit file must be complete, accurate, and up to date. The following data does not reflect my correct identity or residence history and must be permanently removed from your records : CORRECT PERSONAL INFORMATION ( to remain ) : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX Bank, NA TRANSUNION REMOVE IMMEDIATELY : Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Employer Correction : Replace XXXX XXXX bank with XXXX XXXXXXXX XXXX XXXX  Remove First Horizon EXPERIAN CORRECTIONS REQUIRED : Correct Date of Birth : XX/XX/XXXX ( not just XXXX ) Correct Name : XXXX XXXX XXXX ( not XXXX XXXX ) Remove Current Address : XXXX XXXX Ct, XXXX, NC XXXX Remove Previous Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX Correction : Remove duplicate employer listings XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX List only : XXXX XXXX Bank, XXXX EQUIFAX XXXX REQUIRED : XXXX XXXX : XXXX XXXX XXXX ( not XXXX XXXX ) Remove XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX DE XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX XXXX Correction XXXX Only report XXXX XXXX XXXX, XXXX I am formally requesting that each of the above-mentioned credit reporting agencies immediately delete or correct the inaccurate and outdated information listed. Please ensure that only my correct, verified personal information remains on file. 

Under FCRA 609 and 611, I am entitled to a reasonable reinvestigation of disputed personal data and expect a written confirmation of your actions within 30 days of receipt of this letter. 

If this matter is not resolved promptly and accurately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general for non-compliance. 

Attached you will find : A copy of my government-issued ID A bank statement verifying my current address Highlight of my consumer report reporting inaccurate information Thank you for your attention to this matter. I look forward to your written confirmation that these corrections have been completed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I lost my wallet and my phone abroad, filed a local police report and later realized that there were charges that don't belong to me. I flagged these charges totaling up to {$51000.00} at the merchant XXXX XXXX in XXXX on my barclaycard account. Even though I provided the police report and its translation showing I lost my cards and my phone, and reasserting a few different times, the bank still ruled that the charges are valid. When over the phone I asked for a reason, they said the bank placed a call and received an answer to authorize the charges on the day of. However they were placing the call to the same phone that was lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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, TX XXXX XXXX XXXX AKA XXXX XXXX * * * *, XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX {$3700.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX. CT XXXX XXXX XXXX. XXXX * * * *. XXXX XXXX XXXX XXXX, PA XXXX PLEASE REMOVE THE FOLLOWING INQUIRES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Subject : Fidelity National Title ( FNT ) Fraud Schemes : Illegal Title Insurance for the XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, Unit # XXXX, XXXX, CA XXXX ). 

The Ghost XXXX XXXX XXXX, XXXX, entered into the Purchase Contract, dated- XX/XX/XXXX. XXXX XXXX Bank ( XXXX ) 's Illegal Mortgage Kickbacks ( 12 U.S. Code 2607 - Prohibition against kickbacks and unearned fees ) issued to Trespassers, Ghost Knowling, Fake Owner of XXXX XXXX XXXX XXXX XXXX Unit # XXXX, XXXX XXXX, CA XXXX. XXXX issued to XXXX XXXX, XXXX illegally. 
XXXX, XXXX XXXX XXXX, XXXX ( XXXX ), XXXX XXXXXXXX XXXX  ( XXXX ), and XXXX XXXXXXXX XXXX, contracted with XXXX XXXX, XX/XX/XXXX. They fabricated all documents. 
FNT should hurry to withdraw the Wrongful Title Policy in favor of the Ghost Knowling Jr., ASAP. Please answer who is FNT 's customer? The Ghost? The XXXX fraudster XXXX XXXX XXXX? 
FNT to XXXX XXXX should be expunged as XXXXidelity National Title ( FNT ) is now well proven, by Consumer Financial Protection Bureau ( CFPB ) # XXXX, RRCC, LA XXXX XXXX, and California Bar - XXXX. 
FNT should terminate its policy for the Ghost XXXX XXXX XXXX, XXXX, as of XXXX when the Ghost died : ( 1 ). FNT should cease and desist playing with Ghost Knowling, or other Ghosts. 
( 2 ). FNT should be equally charged as XXXX XXXX Bank ( XXXX ) and Old XXXX Title ( XXXX ), or $ XXXX, which was the judgment amount of Consumer Financial Protection Bureau ( CFPB ), as well, as XXXX XXXX case is of the same transactions & occurrences. 
( XXXX ). The original XXXX XXXX ( XXXX ) for XXXX, survived. Thus, XXXX never inherited the XXXX XXXX XXXX ( XXXX ). 
( 4 ). FNT knew that XXXX XXXX, XXXX had no Ownership document, at all ( NO XXXX, XXXX al ) ( XXXX ). XXXX XXXX, Trespassers, should be ousted, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to address a late payment entry on my credit report associated with XXXX XXXX  Acct # XXXX * * * *. This late payment spans from XX/XX/year> to XX/XX/year>, and I firmly believe it to be inaccurate and unjustified. 


However, my records show that all these payments were made on time. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the validity of this late payment report. Specifically, I am citing 15 USC 1681d ( 1 ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and 15 USC 1681a ( 2 ) ( A ) ( i ).

The FCRA requires credit reporting agencies to report only accurate and verifiable information. This late payment entry is misleading to potential creditors and violates Federal Law.

I request that you promptly investigate this issue and correct the record by changing the late payment entry to OK or Paid on Time status. Under the FCRA, I understand that you must complete the investigation within 30 days and provide me with written confirmation of the correction, as well as an updated copy of my credit report.

I appreciate your immediate attention to this matter and look forward to its swift resolution. 


Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I previously resided at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX. The apartment complex failed to properly secure the windows in my second-floor unit, which led to flooding and water damage. I never tampered with or altered the windows. Despite this, the apartment complex attempted to hold me financially responsible for the resulting damages. 

As far as I am aware, XXXX XXXX XXXX then sold a claimed debt of {$1000.00} to National Credit Systems Inc., who subsequently reported this to the credit bureaus. National Credit Systems did so after : * Failing to send proper written notification following their initial phone call. 
* Failing to provide adequate validation of the alleged debt. 
* Being explicitly informed that the debt was fraudulent and not owed. 

Debt Collection Violations : 1. Improper Informing FDCPA 1692g ( a ) : Under federal law, debt collectors are required to send a written notice containing key information about the debt within five days of their initial communication. This obligation applies regardless of whether the first contact was by phone. In this case, no such notice was received, constituting a clear violation of 1692g ( a ).

2. Improper Validation FDCPA 1692g ( b ) : Although the collector later provided a contract and basic information, they failed to include sufficient substantiating evidence directly linking me to the debt. Their response lacked any documentation proving my legal responsibility for the alleged charges. Therefore, it does not satisfy the validation requirements under 1692g ( b ).

3. Pursuing Fraudulent Debt FDCPA 1692e ( 8 ) & FCRA Violations : The debt in question is fraudulent. I informed the collector of this in writing. Despite this, they reported the debt to credit bureaus, which constitutes the communication of false information in violation of FDCPA 1692e ( 8 ). Their actions also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit data to report only accurate and verifiable information. Their continued reporting has caused direct harm to my credit and represents unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
My information was leaked due to a data breach. Im just now being able to take a look at my credit history and things arent as they should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I paid off my Forever 21 credit card ( issued by Comenity Bank ) more than a year ago. Since then, I have not used the account at all. However, I am still being charged late fees without a clear explanation.

I have tried to resolve this directly with the issuer, but they simply tell me that my only options are to pay the full amount or go through a dispute process. They have not provided any breakdown or justification for these charges.

I am willing to pay any legitimate balance, but I do not agree with being charged additional fees on an account that was paid off and has not been used in over two years. 

I request a full investigation, a fair adjustment of the account, and a formal closure of the account if no valid debt exists.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I was suddenly locked out of my Citizens Bank account without any warning. When I called customer service, they said that my account is " under review '' and they couldn't tell me why or when the problem would be solved. All they could tell me was that I had to wait to receive a letter in the mail. I am being treated like a criminal, not a customer. Now, I can't access my debit card and I don't have any other cards or accounts. These people have prohibited me from being able to pay for day-to-day expenses by holding my money hostage with zero warning or explanation. After speaking with multiple people on the phone, I got no closer to accessing my money, knowing what the problem is, or knowing how to contact someone who can tell me what the problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

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