vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull city is on my credit report negatively I should add. I have never done business with them. I do not intend to do business with them. I never received my signed signature original contract binding us to do business. Per fdcpa. Also12 cfr 1006.6c. I am appalled by the blatant disregard for consumer rights. I do not know of this account and I want this illegal practice stopped. Take care if this expeditiously. Send original contract I do not deal with third party hear say. Or forever hold your peace. You are in violation already and intend to take it there. Fcra right to privacy. I do not consent to neforious bottom feeding companies to violate my consumer rights. Right to due process, they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXXXXXX  Experian Credit Bureau To Whom It May Concern, I am writing to formally express my concerns regarding several ongoing issues with my Experian credit report and the customer service I have received. I have made numerous attempts to address these matters over the past month, but unfortunately, I have been met with unhelpful responses and rude customer service from Experian representatives.

There are multiple outdated accounts listed on my credit report that should have been removed. These accounts are over 5 to 7 years old and should no longer be reported, especially when considering goodwill adjustments and the age of the accounts. Despite the age of these items, Experian continues to allow creditors to update them, which is not appropriate. 

Additionally, I am experiencing significant issues with your XXXXXXXX XXXX. I was advised by a representative from the subscription department to delete my XXXX XXXXXXXX XXXX account, which was linked to XXXX. I had six bills Ive consistently paid since XXXX, yet XXXX failed to reflect these payments. This failure has negatively impacted my credit score. 

I have spoken to several representatives who assured me that tickets were filed and asked me to submit screenshots, which I have done. Despite this, there has been no resolution. This situation has caused a major inconvenience and considerable frustration, especially as my credit score remains affected.

Furthermore, my credit score has not changed even though all my creditors are consistently reporting my payments to the three major credit bureaus. I am asking that this matter be investigated and resolved immediately, as it is unfairly damaging my credit profile. 

Please address this issue as soon as possible and provide confirmation once it has been resolved. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or about XXXX I used my XXXX XXXX XXXX and my card was declined. When I called XXXX XXXX they told me my account was 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 2025-04-10 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: IL

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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not liable for this alleged debt. A statement by the consumer that the information relating to any transaction by the consumer. I do not consent. I DID NOT GIVE AUTHORITY! We have no idea what your talking about. We have no idea what your stating. We never signed a contract with none of these company 's. This is a form of deception and a violation against the fair business practices act and its deceptive and unfair. It is also a misrepresentation. Can they validate the debt? Keep in mind that a statement is insufficient to prove a debt according to XXXX XXXX XXXX v. against XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I lost my job in XX/XX/2024 when my spouse was activated on military duty and we were forced to move across the country to keep our family together. We applied for XXXX and a financial relief program. XXXX was finally applied in XX/XX/2024 after numerous resubmissions and lost - delayed paperwork. AMEX finally shortly thereafter updated the portal account telling me to reference my financial relief program by mail and to ignore the payment amount listed in the portal. I was also told as they can see in the chat feature " Please note that the amount due on this page XXXX be inaccurate. Please refer to your statement or confirmation letter for your required plan amount and other important terms and conditions. '' AMEX has been contacted XXXX in writing ( XXXX recorded in their own chat feature ). As well as a dozen times by phone since XXXX 2024 to request the paperwork and amount due according to the financial relief program. 

In summary : When I was proactive and reached out to AMEX to make payment and inquire how much I owed on the financial relief program by phone and by online portal chat and payment portal - I was repeatedly told to reference the MAILED Financial Relief Paperwork and disregard the amount listed as due in the portal. To be exact- until recently the portal had a disclaimer that stated : " Please note that the amount due on this page XXXX be inaccurate. Please refer to your statement or confirmation letter for your required plan amount and other important terms and conditions. '' That paperwork has never been delivered despite numerous attempts to gain the terms, conditions, and the actual expected payment amount. Despite this I have continued to throw random amounts of money at the account with no idea if I am meeting the terms or not. 

My accounts have now been closed by AMEX and they are saying I am unenrolled from the financial relief program with a substantial balance. If AMEX expects their patrons to be diligent credit utilizers then they also need to be fair and transparent in their business practices. 

I look forward to their response because this process has been cumbersome, opaque, and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8700.00}, XXXX Bank Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$770.00}, XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8700.00}, XXXX Bank Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$770.00}, XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In 2019, XXXX and XXXX, XXXX. placed a lien on my home for {$9000.00}, without my knowledge, for a debt to Citibank that I paid. I have proof that the debt was paid. I discovered the lien this year when I needed to make a financial transaction using my homes equity. This illegal lien has been on my home for 6 years without my knowledge and is now causing unnecessary financial hardship. I contacted XXXX and XXXX and asked them to remove the lien. The claimed to have filed a letter of FULL SATISFACTION OF RECORDED JUDGEMENT to the XXXX XXXX in XXXX XXXX, Alabama, but the probate court has received nothing and the lien is still on my home. I then requested that they give me a copy of the letter to take to the court myself. They provided me an unsigned, useless document that states the judgement is satisfied in full, but the court can not accept it without a signature. I have records that show the debt is paid and I have a record of my conversations with XXXX and XXXX, XXXX. They have failed to take action to remove this illegal lien and it has caused significant financial hardship of more than {$60000.00}. I am requesting that immediate action be taken to remove this lien and to stop this collection agency from violating my rights. They are in violation of the Consumer Credit Protection Act and the Fair Debt Collection Practices Act.

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 2025-04-10 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 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 non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$380.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$110.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2200.00} TXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$250.00}

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 2025-04-10 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: VA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX  XXXX Balanced : {$590.00} XXXX XXXXXXXX Balanced : {$77.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balanced : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced : {$0.00} XXXX XXXX XXXX XXXX : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX  XXXX Balanced : {$590.00} XXXX XXXXXXXX Balanced : {$77.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balanced : {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced : {$0.00} XXXX XXXX XXXX XXXX : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I sent your company a letter disputing accounts number XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I received a response from you dated XX/XX/year>XXXX where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-04-10 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:
I did not authorize any of the inquiries on my credit report and the credit bureaus did not investigate thoroughly. 

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

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 2025-04-10 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: NV

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief