vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( XXXX ) 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 ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX * * * * Balance : {$150.00} Date Opened : XX/XX/2023.

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 2025-06-08 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 ( XXXX ) 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 ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Formal Complaint Request for Investigation and Deletion of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a fraudulent account from my XXXX  credit report. The account in question is : Creditor Name : CITICARDS CBNA XXXX  Account Number : XXXX This account appears only on my XXXX  report and is not present on my XXXX  or XXXX  reports. I did not apply for this credit card, nor did I authorize the opening of this account. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated : 15 U.S.C 1681 Section 602 ( a ) : Affirms every consumers right to privacy with respect to the confidentiality and accuracy of personal financial information.

15 U.S.C 1681b ( Section 604 ( a ) ( 2 ) ) : States that a consumer reporting agency may only furnish a consumer report with written authorization from the consumer. 

To date, I have not received any documentation or signature proving that I applied for or authorized the opening of this account. I therefore request that Citicards CBNA provide such documentation. If this can not be provided, I demand that the account be removed from my XXXX  report immediately. 

I am a victim of identity theft. Someone has used my personal informationincluding my name, address, and Social Security Numberto fraudulently apply for credit accounts. In many cases, the perpetrator makes initial payments to avoid detection, then defaults, resulting in charge-offs that negatively impact my credit history. I have submitted multiple fraud disputes to my bank and can provide supporting documentation upon request.

This ongoing issue has caused significant harm to my credit score and financial well-being. I respectfully request that XXXX  conduct a thorough reinvestigation of this account, and that Citicards CBNA validate the account with proper documentation, including my signed authorization. If validation can not be provided, I request the immediate deletion of this account from my XXXX  credit report in accordance with the FCRA. 

Please confirm receipt of this complaint and inform me of the next steps. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX La XXXX, Ca XXXX XXXX XXXX XXXX : XX/XX/year> Last XXXX digits of 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 2025-06-08 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which outlines that a hard inquiry can only be made with a consumers explicit consent or when there is a valid permissible purpose. 

I have reviewed my credit file and identified the following inquiries that I do not recall authorizing : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under federal law, I am requesting that you investigate these inquiries and provide documentation showing proof that I authorized each of them, or evidence that each organization had a permissible purpose for accessing my credit report. 

If you are unable to provide this information, I request that the unauthorized inquiries be removed from my credit file immediately, as they are in violation of the FCRA. 

Please conduct your investigation within the 30-day window required by law and send me written confirmation of the outcome.

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 2025-06-08 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which outlines that a hard inquiry can only be made with a consumers explicit consent or when there is a valid permissible purpose. 

I have reviewed my credit file and identified the following inquiries that I do not recall authorizing : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under federal law, I am requesting that you investigate these inquiries and provide documentation showing proof that I authorized each of them, or evidence that each organization had a permissible purpose for accessing my credit report. 

If you are unable to provide this information, I request that the unauthorized inquiries be removed from my credit file immediately, as they are in violation of the FCRA. 

Please conduct your investigation within the 30-day window required by law and send me written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THE CREDIT BREACH, AND MY INFORMATION BEING LEAKED TO THE DARK WEB. ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN OPENED IN MY NAME. THE ACCOUNTS LISTED ABOVE ARE FRAUDULENT AND SHOULD BE REMOVED ACCORDING TO THE FCRA.

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 2025-06-08 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: TX

Complaint narrative:
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THE CREDIT BREACH, AND MY INFORMATION BEING LEAKED TO THE DARK WEB. ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN OPENED IN MY NAME. THE ACCOUNTS LISTED ABOVE ARE FRAUDULENT AND SHOULD BE REMOVED ACCORDING TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OR

Complaint narrative:
I have recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-08 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: OR

Complaint narrative:
I have recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I took a check to Bank of Americ

a. I asked the Teller when the check would clear, he told me this is a business account, funds will be in my account tomorrow. I told him, let 's go ahead and make the deposit. Then I get an email the funds are on hold for 7 days. I would NOT have made the deposit at BofA and I would have gone to my other bank. I was lied to, I expected truthful information from the BofA employee and was told a Lie. I contacted BofA customer service and spoke to a supervisor. Nothing would be done, they will not be contacting the Teller, educating the Teller, or reprimanding the Teller. They will not correct the Lie I was told, they don't care that the Teller lied, they are sitting my money after I was told the funds would clear the next day and made the decision to deposit the check.

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 2025-06-08 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
Be advised this is not a retusal to pay, but a notice sent pursuant suant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a reguest for " verification '' or proof of my mailing address. but a request fo VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this nform ices dated to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud unde both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act. Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If vour office roper docume ested in the following Declaration, I will require at least 30 days to investigate this information, during which time collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel fo This inclu includes any listing of any inform redit edit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-06-08 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter

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 2025-06-08 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: OK

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-08 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: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 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 personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/year> under account ( private )XXXX XXXX XXXX  opened on ( private ) under account ( private ) in the amount ( private ), XXXX XXXX  opened in XXXX under account ( private ), XXXX XXXX opened on XX/XX/year> under account ( private ) in the amount ( private ), XXXX XXXX opened on ( private ) under account ( private ) in the amount ( private ). that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 ( letter attached to documents 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 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 2025-06-08 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: IL

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 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 personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/year> under account ( private )XXXX XXXX XXXX  opened on ( private ) under account ( private ) in the amount ( private ), XXXX XXXX  opened in XXXX under account ( private ), XXXX XXXX opened on XX/XX/year> under account ( private ) in the amount ( private ), XXXX XXXX opened on ( private ) under account ( private ) in the amount ( private ). that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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 ( letter attached to documents 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 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