vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to Experian on XX/XX/year>, under FCRA Section 605C and the XXXX XXXX Repair Act, identifying myself as a victim of XXXX XXXX. I included all required documentation : my FTC Identity Theft Report, a self-attestation statement, proof of identity, and a list of accounts for removal. 

Despite Experians obligation to remove the accounts within 4 business days, no action was taken. On XX/XX/year>, the dispute was marked completed with no explanation or results. When I contacted Experian on XX/XX/year>, I was told they had no record of my trafficking documentation. 

I re-uploaded all documentation via Experians XXXX on XX/XX/year>, and emailed executive leadership. I still have not received confirmation of receipt or action. 

Experians failure to process my 605C documentation, combined with their denial of its existence, constitutes a serious violation of federal law and has resulted in continued financial harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Sometime on or about XX/XX/XXXX, an unknown person attempted to open a credit card under my name through Barclays ( application # XXXX ). I did not authorize this, and now have a hard inquiry on my XXXX credit report which I would like removed. I contacted Discover/Barclays on Friday, XX/XX/XXXX, to inform them that I did not authorize the request.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc

Complaint narrative:
XX/XX/year>, I informed Chime bank that my son had past away and ask what was required to close this account and retrieve the funds. I have provided the bank with the documentation that they required. Since I have provided the documents and made contact with the bank and their specialist and have not received the fund or have a status as to where this case stand. This has been going on for several months. The ticket number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX XXXX is on my credit report as an inquiry that I did not approve of.

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 2025-05-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX  confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * * * * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX * * * * * * XXXX FCU XXXX * * * * XXXX FEDERAL XXXX XXXX XXXX * XXXX FCU XXXX * * * * XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, XXXX noticed some things are incomplete XXXX not accurate. XXXX according XXXX the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX according XXXX XXXX XXXX XXXX XXXX they are suppose XXXX do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; XXXX ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX 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 2025-05-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX  confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * XXXX FCU XXXX * * * * * * * * * * * * has violated my rights. 

EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX  XXXX * * * * * * XXXX FCU XXXX * * * * XXXX FEDERAL XXXX XXXX XXXX * XXXX FCU XXXX * * * * XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, XXXX noticed some things are incomplete XXXX not accurate. XXXX according XXXX the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX according XXXX XXXX XXXX XXXX XXXX they are suppose XXXX do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; XXXX ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard inquiry on my credit report without my consent.

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 2025-05-08 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: VA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-05-08 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: VA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-05-08 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: MA

Complaint narrative:
I disputed multiple accounts with Equifax that are inaccurate, unverifiable, or improperly reported. These include : XXXX XXXX XXXX XXXX XXXX : Still showing a balance despite a 1099-C issued on XXXX confirming the debt was canceled. This violates FCRA 607 ( b ). 
XXXX XXXX  : Balance and payment history are not verifiable. No supporting documentation was provided. 
XXXX XXXX XXXX XXXX and XXXX XXXX  : These accounts reflect the same debt. Reporting both is misleading and constitutes duplicate or re-aged reporting. 
XXXX XXXX  : This XXXX XXXX-related collection account has not been validated by original documentation. 

Ive attempted to resolve these through Equifaxs dispute system and by mail, but they remain on my report without proper validation. I request deletion or correction of these accounts under FCRA 607 ( b ) and 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NH

Complaint narrative:
I respectfully request that you block and delete the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts and am unfamiliar with their origin. Per USC 1681g, I am asking for their removal within the next 15 days. Ive enclosed the necessary documents for your review. Additionally, the account information reported varies between credit bureaus and contains inaccuracies.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC
State: AZ

Complaint narrative:
XXXX XXXX adventage does not clearly disclose the fee they are charging in relation XXXX  the pending settlement offers XXXX  me, I have had issue with this lack of disclosure over the phone XXXX thru the online portal. I have XXXX probe XXXX find out the corrolating fee XXXX  attain the original enrolled balance XXXX  determine if the settlement saves me any money. Their agents are not even required XXXX  mention the fee or the total cost of the settlement XXXX the customer when going thru the verbiage disclosures XXXX capturing verbal acceptance of the terms of the pending settlement. I did just learn today how XXXX locate a pop up screen, hiding the fee on separate screen in the online portal then the pending settlement offer screen XXXX move forward in authorizing XXXX accepting any settlement offer. While mltiple offers, after extensive probing XXXX research XXXX locate the original enrolled amount XXXX the fee from XXXX XXXX, I have been determine the settlement offered plus XXXX XXXX 's fee actually costs more then the originally enrolled settlement amount, ie amounting XXXX further financial harm. In addition XXXX cause my XXXX XXXX XXXX  plummet as I was current on my payments XXXX my credit cards now pending settlement. Lastly, it has been unclear if the fees assessed by XXXX XXXX are for the settlement amount, current balance or enrolled amount. 

I believe Clear XXXX Advantage to be in violation of UDAAP or the Truth in Lending Act TILA ( XXXX XXXX ). I fear many other of their customers XXXX be decived as they XXXX not realize the need XXXX ascertain XXXX XXXX 's fees relative XXXX the pending settlements to make financial sound decisions and XXXX understand if XXXX XXXX is actually saving them any money. As their current practice does not clearly disclose this information for the customer XXXX ensure no financial harm. 

While it is very challenging XXXX attain access XXXX  speak XXXX anyone over the phone, spending over an hour on hold XXXX requesting a callback but not receiving XXXX. While raising concerns over XXXX over regarding their practice XXXX  ask for XXXX on an outbound call to me on my verified phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Personal Information : Incorrect Previous Addresses : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Date of Birth : XXXX  Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Accounts : Creditor/Furnisher Account Number Violation Cited XXXX XXXX Incomplete, inaccurate, lacks verification XXXX XXXX XXXX XXXX XXXX Conflicting dates/status ; unverifiable XXXX XXXX XXXX Reported balance not supported XXXX XXXX XXXX No verification of account ownership XXXX XXXX Data unverified and possibly fraudulent Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy in the reporting of consumer information. 
15 USC 1681i ( a ) : Failure to conduct a proper reinvestigation within 30 days.

15 USC 1681i ( a ) ( 5 ) : Retaining unverifiable data that should have been deleted.

15 USC 1681s-2 ( a ) : Failure by the furnisher to correct known inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: DE

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 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation

of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their fi
le, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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