vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt. However, the information has not been provided, due to my information being exposed. I have submitted an FTC complaint reporting the information I am not familiar with. 

I am attaching a copy of my ID. The FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian regarding three hard inquiries that appeared on my credit report dated XX/XX/XXXX. The disputed inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these companies to access my credit file. In my letter, I requested Experian to either provide documented proof of permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) or remove the inquiries. To date, Experian has not responded or provided any evidence supporting these inquiries. The presence of these unauthorized entries is negatively affecting my credit profile.

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 2025-05-04 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 HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXXXXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX. XXXX XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Amount : {$12000.00} Creditor : National Credit Systems Date : XX/XX/year> This letter serves as an official challenge to the alleged debit reported by your company on my consumer report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s ), your company is legally obligated to ensure the accuracy, validity, and completeness of any information reported to consumer reporting agencies.

Please provide supporting documentation, including the original signed lease agreement, debt amount and any communication that justifies this eviction. Failure to provide such documentation constitutes a violation of my rights under 15 U.S.C. 1681s ( b ), which requires furnishers to investigate disputed information thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

Complaint narrative:
I am writing to formally address a serious concern regarding XXXX student loans that were opened in XX/XX/XXXX for my daughters enrollment at XXXX XXXX. While we were aware of these loans, and that they were deferred while the student was in school, and then informed that they remained in deferment due to XXXX. However, we never received any correspondence from XXXX regarding the loan status, repayment expectations, or the transition out of deferment. 
On XX/XX/XXXX, I was notified by my bank that my XXXX XXXX had dropped significantly. After investigating, I discovered that this was due to overdue student loan payments. Upon successfully creating an XXXX account, I identified a past-due balance associated with the loans. Despite XXXX having my current home address, phone number, and email on file, I did not receive any direct notifications about these overdue payments or their resumption. However, I found over XXXX messages in my XXXX inbox, none of which had been communicated to me externally. 
On XX/XX/XXXX, I contacted XXXX to discuss this situation and express my concerns regarding the lack of prior contact. Unfortunately, the representative dismissed my concerns without offering a resolution. I was never informed that the loans had exited deferment or that payments were due. This lapse in communication has created undue financial hardship and has negatively impacted my credit standing. When I requested that XXXX remove the derogatory report from the credit bureau, I was informed that my request did not meet the criteria for adjustment. I strongly disagree with this assessment, as I was not provided the necessary payment details or due dates beforehand. With multiple direct avenues availablephone, voicemail, and postal mailEdFinancial had ample opportunity to inform me, yet failed to do so. 
For 38 years, I have maintained an exemplary credit history, successfully managing mortgages, vehicle loans, and other financial commitments without issue. It is deeply concerning that this standing has now been compromised due to a failure in communication. Rather than notifying me via a simple voicemail or mailing a letter, XXXX allowed the payments to become XXXX months overdue before reporting them to the credit bureaucausing substantial damage to my credit and leading to my bank freezing my funds. 
At XXXX XXXX XXXX and approaching retirement, this issue has caused unnecessary financial strain. It is imperative that this matter be rectified with the credit bureau and that XXXX reassesses its mismanagement in its communication practices to prevent similar occurrences for other 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 2025-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-04 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My XX/XX/XXXXclinic opened a credit loan for services I did not fully recieved including charging my insurance half of the services that was not done last XX/XX/year>, I only got the XX/XX/XXXXand XX/XX/XXXX I tried to schedule an appointment since XXXX but failed to do so since their website says TEMPORARILY CLOSED up until I found out on XXXX in the news that the owner of my clinic got arrested since XX/XX/XXXX for fraud. now i have this credit loan for services I WILL NEVER GET since the clinic got fully shutdown amongst other branches. Everyone was fraud, XX/XX/XXXXname in the billing is not the XX/XX/XXXX who did myXX/XX/XXXXThat XX/XX/XXXX the name for my insurance is not theXX/XX/XXXXname in that location. All the services they put in my receipt is also fraud. As I did not even get any of it besides the XX/XX/XXXX and they billed me and my insuraNce to pay for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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: VA

Complaint narrative:
I am escalating this complaint because Experian has failed, a second time, to perform a lawful and reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). My original dispute ( CFPB ID : XXXX ) clearly requested a reinvestigation of several accounts that I alleged were either inaccurately reported or unverifiable. I submitted proper identification and requested specific documentation, including : Signed contract or application to verify account ownership Complete payment history Source verification for a public record ( US Bankruptcy Court XXXX  XXXX, Ref # XXXX ) Experian responded by claiming that the information was " verified '' or " updated '' without providing a single document, image, or data point to demonstrate that it contacted original furnishers or investigated the dispute meaningfully. This blanket response violates FCRA 611 ( a ) ( 1 ) ( A ), which requires that a CRA must conduct a reasonable reinvestigation and provide the consumer with notice of the results, including the method of verification. None of that occurred. 

Specifically : XXXX XXXX XXXX ( Account ending in XXXX ) : I requested full validation. Experian responded with updated, without addressing the substance of the dispute. 

XXXX XXXX XXXX ( Account ending in XXXX ) : Disputed joint account status ; Experian merely stated it was " verified. '' US Bankruptcy Court WA XXXX ( Ref # XXXX ) : Experian continues to report this without providing any court documentation or public record verification. 

These accounts continue to cause tangible harm to my credit and financial standing, and Experian is ignoring its duty under FCRA 611 ( a ) ( 7 ) to provide a description of the procedure used to determine the accuracy. 

I am now demanding that these items be immediately deleted from my credit report, as Experian has failed twice to comply with federal law. If Experian can not obtain original contracts, applications, or court records from the furnishers or court itself, then by law, the disputed information must be removed.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC
State: FL

Complaint narrative:
I ask that these collections be removed from my criedt report Jefferson capital system llc XX/XX/scrub> 2024 also XXXX XXXX XXXX XXXX XXXX,2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Im not sure of the banks and dates nor the amounts but somehow im not able to open a bank account due to fraud. It says my information is in the Chexsystem therefore i wont be able to open an account. Those banks were open fradulently and ive been dealing with fraud for a long time

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 2025-05-04 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: FL

Complaint narrative:
I am in disagreement with the account listed below that still appears on my credit report. Attached is a copy of your initial investigation result. I would like this immediately reinvestigated, as these inaccuracies are hurting my ability to obtain credit. 

Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you investigated my request so I can follow up. 

Please send me updated reports AFTER your re-investigation.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for a XXXX secured credit card with Capital One I was initially approved but then later denied after having some trouble making the electronic deposit. But on the after a few attempts the deposit in the amount of {$200.00} was made on XX/XX/XXXX and Capitol One kept the money and has not issued a refund. I was able to get ahold of someone from capital one on the phone they said my refund would be issues within XXXX business days and it has been more than 10 days and I still haven't gotten a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Global Consulting Agency LLC
State: FL

Complaint narrative:
I ask that these collections be removed from my criedt report XXXX XXXX XXXX XXXX XX/XX/year>2024 also global consulting agencies XXXXXXXX XXXX,2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
EQUIFAX HAS LOWERED MY SCORE BY XXXX POINTS ON A CREDITOR THAT HAS ALREADY SOLD MY INFORMATION ILLEGALLY ON A CLOSED ACCOUNT THATS WAS WRITTEN OFF BY INSURANCE SETTLEMENT AND XXXX OUT ON MY REPORT. ITS NOT PHYSICALLY SHOWING ON MY REPORT AS A DEBT. HOWEVER, IT CHANGED MY REPORT WITHOUT ME KNOWING OR WHY AND HOW THEY CAN JUST DROP MY SCORE BY XXXX POINTS ILLEGALLY. THE SAME THING HAPPENED ON TRANSUNION AND I STILL DON'T KNOW WHY MY SCORE DROPPED XXXX POINTS WITHOUT ANY DEBT CHANGES.

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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a checking account with TD Bank with approximately {$1900.00}. I made six {$200.00} ATM withdrawals and attempted to use XXXX, and then suddenly my account was frozen. I contacted customer service and confirmed all transactions were mine, but they told me I must visit a branch in Florida. I live in Texas, and there are no local XXXX XXXX branches nearby. 

I asked if I could verify my identity remotely ( via video call or notarized documents ), but they refused. I can not access my money, and I need urgent help. This has caused financial hardship and is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX XXXX ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX - Opened XX/XX/year> With a balance of {$66.00} Account number XXXX XXXX XXXX - Opened XX/XX/year> With a balance of {$4500.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/year> With a balance of {$630.00} Account number XXXX XXXX - Opened XX/XX/year> With a balance of {$1300.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-05-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fradulent accounts and inquiries on my reports. Please remove these accounts and inquiries from my report since they are hurting my ability to obtain credit. 

COLLECTIONS : 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/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 2025-05-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fradulent accounts and inquiries on my reports. Please remove these accounts and inquiries from my report since they are hurting my ability to obtain credit. 

COLLECTIONS : 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/XXXX

Company response to consumer: Closed with non-monetary relief