vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NH

Complaint narrative:
I have a charge account with Citibank. My card was fraudulently charged four times through XXXX ( I DO NOT HAVE XXXX AND NEVER ORDERED THROUGH THEM OR AUTHORIZED ANY ONE TO DO SO ). All these items were charged during the period XXXX XXXX XXXX  Finding out I reported as a dispute the four charges, CANCELED my card, and was issued a new card. 
Today I received a second letter from Citibank holding me responsible. Among other things it cites, I did not provide the information requested. NO PLACE, TIME, OR BY ANY METHOD WAS I ASKED FOR MORE INFORMATION. 
I dispute was found in my favor and like ALL the others was in the same timeframe and same method through a XXXX account. That one transactions shows as : XXXX * XXXX XXXX XXXX CA XX/XX/year> Amount {$81.00} I was found responsible for : XXXX. XXXX * XXXX XXXX CA XX/XX/year> Amount {$310.00} ; XXXX. XXXX * XXXX XXXX CA XX/XX/year> Amount {$900.00} ; XXXX. XXXX * XXXX XXXX CA XX/XX/year> Amount {$370.00} ; and XXXX. Citibank XX/XX/year> ADVANCES TRANSACTION FEE {$80.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/year>, I called Transunion to asked them about a recent dispute that came back verified and accurate because I was wondering as to how and why are my disputed accounts continue to come back as verified. However I knew why because Transunion wasn't disputing " my reasoning '' for disputing but they were disputing " under identity theft instead ''. Therefore when I talk to Transunion on the phone they did acknowledge the fact that they was disputing my accounts under identity theft instead of my reason for dispute which were " Violation of Fair Credit Reporting Act and failure to Conduct a reasonable investigation ''. I went on to tell them that Transunion that they prove my theory in the my original dispute letter that they are not conducting proper accurate and fair investigation that is required by the law. I also attached a copy of my original dispute letter that Transunion acknowledge that they received but somehow Transunion disregard the actual dispute letter that I sent through the mail as a certified letter and conducted a sham investigation because they did not want to do the proper process and conduct a proper investigation for my reasoning for the dispute which was " Violation of Fair Credit Reporting Act and failure to Conduct a reasonable investigation ''. Transunion has to be held accountable for their blatantly disrespect for the law.

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 2025-05-06 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-06 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:
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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX Employer : CEO Of XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE HAS FAILED TO UPHOLD THERE AGREEMENT FOR A DELETION FOR DEBT I HAVE COMPLETED THE AGREEMENT ON A RECORDED LINE OF XXXX XXXX,2024 FOR A SETTLEMENT FOR THE ACCOUNT - XXXX AND THE ACCOUNT - XXXX BALANCES OF {$300.00} AND {$200.00} IT WAS REPORTED TO BE REMOVED WITHIN 30 DAYS OF THE NEXT UPDATED REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-05-06 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-06 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:
On XXXX XXXX, 2025 I filed a dispute letter to remove an inaccurate address from my credit report, Remove reposessions, Old charge off accounts that are reporting innacurate information and Late Payments.

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 2025-05-06 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: OH

Complaint narrative:
XXXX has frequent errors handling basic administrative tasks like calculating my monthly payments, billings, and processing paperwork when the XXXX administration resumed loan repayments that year these mistakes have turned costly for me and the XXXX failed to fix these problems. XXXX has been reporting duplicated and unverifiable accounts to the credit failing to report accurate information including involving in predatory lending practices.. 

XXXX is a Predatory Lender and has used duplicated accounts and inaccurate information in deception. The Consumer Financial Protection Bureau ( CFPB ) reached a settlement with Navient in XX/XX/year>, permanently banning XXXX from servicing federal student loans and ordering the company to pay a {$120.00} XXXX penalty for wide-ranging student lending failures. This settlement resolves a seven-year lawsuit filed by the CFPB, XXXX that XXXX engaged in deceptive and unfair servicing practices. The settlement also includes {$100.00} XXXX in redress for harmed borrowers.

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 2025-05-06 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: OH

Complaint narrative:
XXXX has frequent errors handling basic administrative tasks like calculating my monthly payments, billings, and processing paperwork when the XXXX administration resumed loan repayments that year these mistakes have turned costly for me and the XXXX failed to fix these problems. XXXX has been reporting duplicated and unverifiable accounts to the credit failing to report accurate information including involving in predatory lending practices.. 

XXXX is a XXXX XXXX and has used duplicated accounts and inaccurate information in deception. The Consumer Financial Protection Bureau ( CFPB ) reached a settlement with Navient in XX/XX/year>, permanently banning XXXX from servicing federal student loans and ordering the company to pay a {$120.00} XXXX penalty for wide-ranging student lending failures. This settlement resolves a seven-year lawsuit filed by the CFPB, XXXX that XXXX engaged in deceptive and unfair servicing practices. The settlement also includes {$100.00} XXXX in redress for harmed borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-05-06 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-06 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: OH

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
Experian is reporting several charged-off and collection accounts that are factually incorrect, unverified, and have absolutely no place on my credit report. Specifically, Experian is showing a {$0.00} charge-off from XXXX/XXXX  under account number XXXX * * * *, a {$970.00} charge-off from XXXX XXXX under account number XXXX XXXX * * *, a {$1500.00} charge-off from XXXX XXXX  XXXX  under account number XXXX * * * *, a {$430.00} charge-off from XXXX XXXX  XXXX XXXX  XXXX XXXX A under account number XXXX * XXXX XXXX XXXX XXXX and a {$340.00} charge-off from XXXX XXXX  XXXX  XXXX  under account number XXXX * * * *. I did not authorize or open these accounts, nor have I ever received validation that these debts belong to me. Experians so-called investigation has yielded no results other than a repeated and baseless claim that the data was verified, even though no actual documentation has been provided to back that up. 

It is becoming increasingly clear that these accounts likely originated due to a data breachwhether through Experians own compromised infrastructure, a lenders failure to safeguard sensitive consumer data, or a third-party vendor. The financial industry has suffered breach after breach over the past decade, and it is consumers like me who are being forced to bear the consequences. Experians reckless handling of disputed data, along with its unwillingness to investigate beyond surface-level checks, is not only negligent but unlawful under the Fair Credit Reporting Act. I am being harmed by entries that have no factual or legal connection to me, and Experians failure to act is inexcusable.

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 2025-05-06 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: GA

Complaint narrative:
I am a documented victim of identity theft and XXXX XXXX. During the period of exploitation, fraudulent credit accounts, inquiries, and debts were opened in my name without my consent. I have submitted two official FTC Identity Theft Reports, a sworn self-attestation under the Debt Bondage Repair Act and FCRA Section 605C, and documentation proving my identity and address.

Despite this, the credit bureaus have failed to remove the fraudulent accounts and continue to report information that was obtained and used under coercion. Some accounts were opened as early as XXXX and continued through XXXX. I have included a detailed list of each fraudulent account and inquiry in my supporting documents. 

I am requesting immediate deletion of all items listed in my attached packet. This includes credit cards, auto loans, utility accounts, collections, and inquiries that I did not authorize. Under Section 605C of the FCRA and the Debt Bondage Repair Act, these accounts must be removed within 24 hours once proper documentation is submitted.

The credit bureaus ' delay is causing me ongoing financial and emotional harm. Please ensure this matter is resolved immediately and all fraudulent information is permanently deleted from my credit 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