vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. Account # XXXX citibank macys

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 2025-04-22 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
In accordance with FCRA 1681c-2 ( a ), I am submitting this identity theft report and requesting that this information be excluded from all future reports and promptly removed. 

XXXX XXXX XXXX  XXXX Balance - XXXXXXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Balance {$28.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX  XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$170.00}

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 non-monetary relief
Consumer complaint received 2025-04-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXXXXXX XXXX INQUIRY ON XX/XX/year> I DIDNT RECOGNIZE

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 2025-04-22 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:
Your company TRANSUNION is reporting multiple inaccuracies on the account listed below this is highly injurious to my credit score and has cause undue hardships! I have attached the inaccurate you are reporting and proof of my ACTUAL ACCURATE information! I am DEMANDING You delete the inaccurate information and UPDATE ACCURATELY IMMEDIATELY! 

ACCOUNT : XXXX XXXX account

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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
In XX/XX/year>, I moved out of my apartment at XXXX XXXX XXXX XXXXXXXX XXXX XXXX At that time, I returned the keys and submitted a written notice stating that I was no longer residing there. Per the terms of my lease, I paid rent for XXXX. 

In XXXX, I received a phone call from the apartment management claiming that I still owed rent. Although I had already moved out, I paid for XXXX as a courtesy and informed them again that I had vacated the unit in XXXX and would not be making any further payments. 

Several months later, I received a voicemail stating that my belongings were being removed from the apartment. Since the unit had been empty when I left, I assumed the message referred to items left behind by squatters and didnt take further action. 

Then, in XXXX XXXXnearly a year after I moved outI began receiving calls and voicemails from National Credit Systems Inc., alleging that I owed a debt of {$2600.00}. 

I dispute this debt. I am not liable for any amount claimed by XXXX XXXX XXXX  XXXX XXXX XXXX, and I have no contractual relationship with National Credit Systems Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Hard Inquiries don't belong to me hasn't being authorized by me and has to be removed Also this as well. thanks XXXX XXXX - XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NM

Complaint narrative:
I am writing to formally dispute the late payment records reported on my credit file for the following accounts : XXXX XXXX XXXXXXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
I would like to explain the circumstances that led to these late payments. During this period, I faced an extreme and unforeseen medical hardship, including being diagnosed with XXXX XXXX, experiencing XXXX XXXX, and suffering from XXXX XXXX. These severe health challenges left me incapacitated and unable to manage my financial responsibilities. 
Thankfully, I have now fully recovered and regained control of my finances. I have always taken pride in maintaining a good payment history, and I truly believe these late payments do not reflect my willingness or ability to meet my obligations under normal circumstances. This was an extraordinary situation entirely beyond my control, and I view it as an act of XXXX. 
I have discussed this matter with my creditors, who suggested I reach out to you directly to resolve this issue. I respectfully request that the late payments be removed from my credit report, as they do not accurately represent my long-term creditworthiness or commitment to financial responsibility. 
I appreciate your time and consideration in reviewing this request. If you require any additional documentation to support my claim, such as medical records or correspondence with my creditors, I would be happy to provide it. 
Thank you for understanding the unique circumstances surrounding this situation. I look forward to hearing from you and hope for a positive resolution.

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 2025-04-22 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: NM

Complaint narrative:
I am writing to formally dispute the late payment records reported on my credit file for the following accounts : XXXX XXXX XXXXXXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX Account # XXXX : Late payments from XX/XX/XXXX to XX/XX/XXXX. 
I would like to explain the circumstances that led to these late payments. During this period, I faced an extreme and unforeseen medical hardship, including being diagnosed with XXXX XXXX, experiencing XXXX XXXX, and suffering from XXXX XXXX. These severe health challenges left me incapacitated and unable to manage my financial responsibilities. 
Thankfully, I have now fully recovered and regained control of my finances. I have always taken pride in maintaining a good payment history, and I truly believe these late payments do not reflect my willingness or ability to meet my obligations under normal circumstances. This was an extraordinary situation entirely beyond my control, and I view it as an act of XXXX. 
I have discussed this matter with my creditors, who suggested I reach out to you directly to resolve this issue. I respectfully request that the late payments be removed from my credit report, as they do not accurately represent my long-term creditworthiness or commitment to financial responsibility. 
I appreciate your time and consideration in reviewing this request. If you require any additional documentation to support my claim, such as medical records or correspondence with my creditors, I would be happy to provide it. 
Thank you for understanding the unique circumstances surrounding this situation. I look forward to hearing from you and hope for a positive resolution.

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 2025-04-22 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-22 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$820.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-04-22 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NV

Complaint narrative:
On XX/XX/year> a company called Tek collect added a medical collection that I have no knowledge of to my credit report. I contacted them and they claimed they would ruin my credit if I didnt pay them and will hold my credit XXXX until paid with a collection account. They claimed it was disputed, yet did not do anything to this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
XXXX- A company named XXXX XXXXt opened this account on my behalf on XXXX XXXX XXXX\n- Due to theft by my former property managers and non-payment of rent by tenants, after the eviction of my last tenant I was so financially-broken that I was forced to sell my town-home. The funds from the sale were deposited in my Santander a/c on XXXX XXXX XXXX XXXX XXXX  I have requested either a transfer funds to another XXXX account or to have my account closed.  During all 148 x \'phone calls to their NON-Service Centre speaking with both so-called team leaders and foot soldiers, and also with branch manager XXXX XXXX XXXX XXXX Branch (I believe Santander\'s HO is located there), I have been met with nothing but the rudest, most-untrained, UNhelpful and couldn\'t-care-less staff who behave like divas and then who often slam the \'phone down on me.\n- I am consistently told to "visit a branch" and, when I advise that I\'m currently in XXXX have been financially wiped-out by what I have experienced in the USA, will not leave my XXXX XXXX XXXX little cat anyway and that I shouldn\'t have to come to the USA simply to close my account - given that they REFUSE to transfer funds via any means, they just repeat "You have to visit a branch".  \n- One female employee stated "It\'s a large amount" (it\'s US$85,260 approx) and Santander are paying me interest oXXXX XXXX XXXX and also refused to even increase the interest rate in the interim unless I "visit a branch".\n- After XXXX x months I was told something new, namely "If you send a notarized copy of a letter of request to close your account to our XXXX XXXXr, they MAY do this but I can\'t be sure" (omg !!).  Too much trouble for this XXXX to check but I\'d never been told this previously.  The next day I did exactly this - my Notary Public notarized my letter of request and attached the required seal and ribbons, plus wrote a covering letter from himself also advising he had viewed some of my recent Santander statements.  This package was sent to Santander\'s XXXX XXXX in a strong cover on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but Santander claim (via their Service Center) to have not received it until XXXX XXXX XXXX\n-  I have always been refused access to operate online banking (being in XXXX, I have been receiving paper mail statements every month, email addresses are off-limits to ANYONE at Santander and there is NO CONTACT AVAILABLE WHATSOEVER with the XXXX XXXX either.\n- Santander REFUSE give me my money.  They are CRIMINALS + THIEVES. All I am ever told is that "Your account is still open".  I have now also missed an opportunity in the XXXX due to Santander ILLEGALLY RETAINING MY MONEY.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation