vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
The following accounts appear on my Experian credit report, but I did not open or authorize any of these accounts. I believe they were opened by an identity thief using my personal information. Please block and remove these accounts from my credit file immediately : 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  In addition, I have discovered multiple unauthorized hard inquiries on my Experian report. These credit inquiries were not initiated by me and likely resulted from attempted fraudulent applications made using my identity. I request that you remove or block the following hard inquiries as part of this identity theft dispute : 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 I affirm that I did not apply for the above accounts or inquiries, and no such transactions were made by me. These items are clearly fraudulent. In accordance with FCRA Section 605B, I have enclosed the documentation necessary to process this identity theft dispute. This includes proof of my identity ( copy of a government-issued photo ID ) and an Identity Theft Report ( copy of the police report documenting the identity theft ). I have also identified the fraudulent accounts and inquiries in question ( as listed above ) and provided my written statement attesting that these items are not associated with any transaction I have made. With this letter, I have supplied all information required under Section 605B for you to block the reporting of the fraudulent accounts and inquiries.

Under Section 605B of the FCRA, Experian is required to block the identified fraudulent information on my credit report within XXXX ( XXXX ) business days of receiving my request and the supporting documents. Furthermore, this section of the law requires you to promptly notify the furnishers/creditors of these accounts that the information has been blocked due to identity theft. I respectfully ask that you fulfill these obligations and ensure that the above-listed accounts and inquiries do not appear on any current or future credit report issued by Experian. 

Please confirm in writing once you have blocked and removed these fraudulent accounts and inquiries from my credit file. I appreciate your prompt attention to this matter. If you require any additional information or documentation, please contact me immediately at the phone number or email provided above. 

Thank you for your help and cooperation.

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 2025-05-02 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-02 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: GA

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 XXXX 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 2025-05-02 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/year> a balance of {$10000.00} was placed on my credit report. I have no knowledge of this account nor did I sign any contract with this company I've asked for anything associating me with said account and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-02 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-02 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I was drugged and had my phone taken from me while at XXXX XXXX in XXXX, XXXX During this time, a total of {$1500.00} was fraudulently sent from my Truist bank account via XXXX XXXX XXXX XXXX separate transactionsone for {$500.00} and XXXX for XXXX XXXXXXXX a phone number I do not recognize : ( XXXX ) XXXX. That number is reportedly registered to someone named XXXX XXXX. 

I filed a police report with the XXXX Police Department regarding this incident ( Report XXXX XXXX XXXXXXXX ). Truist initially issued a temporary credit to my account. However, after conducting an investigation, they denied my fraud claim on the basis that the transactions were initiated from my phone. 

This decision completely disregards the police report and the fact that I was the victim of a crime. The transactions were unauthorized and made while I was incapacitated and without control of my phone. 

I did everything required of me as a fraud victim, including timely reporting and providing police documentation. On XX/XX/year>, when I received a call from Truist regarding the denial, I was told that if I wanted to pursue the matter further, I should take it up in court with a civil lawsuit. This response is both dismissive and unacceptable, especially given the serious nature of the incident. 

I am requesting the CFPB to review this case and assist in holding Truist accountable for not protecting me as a consumer and fraud victim.

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 2025-05-02 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:
TransUnion continues to report a late payment from XXXX ( XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} past due balance. This account is closed, paid, and no longer active, yet the payment history still negatively affects my credit report. Under 15 USC 1666b, creditors are required to provide consumers a fair opportunity to bring accounts current before reporting derogatory status, and outdated derogatory data on a zero-balance, closed account undermines the intent of accurate, fair credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-05-02 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: NJ

Complaint narrative:
In XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Collection- opened in XXXXXXXX XXXX XXXX XXXX - Credit card- opened in XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - Unsecured Loan - opened in XXXXXXXX 

Along with the following INQUIRIES which were created without my consent or authorization and are fraud too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two entries, different branches ) ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ( Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( nquired on XX/XX/XXXX ) I had no involvement whatsoever with any of these fraudulent accounts and activity.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
On XX/XX/2025 I received a letter from XXXX XXXX XXXX saying they are increasing my interest rates because of low credit score ( XXXX ) and multiple delinquent accounts. This concerned me because this information in inaccurate. I tried to call XXXX, they say there is no way to contest the accuracy of this report and they are unable to provide the report that shows these delinquent accounts or low credit score. I pulled credit reports from multiple agencies, XXXX, equifax, XXXX XXXX XXXX. None of these companies say they are showing these delinquent accounts that XXXX claims. XXXX is doubling their interest rate charged on information they cant show proof of and with no factual basis for their justifications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted Equifax to address the issue since they have not reported the months of XXXX and XXXX correctly. They told me to contact XXXX  in which I did and they verified that they report on the end of the month XXXX or XXXX. My credit card usage amount for the XXXX of XXXX and XXXX have not been correct. This is negatively affecting me. It's basically showing No data. Called both Transunion and Equifax, they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I want to submit a complaint, regarding that CITI bank closed my citi XXXX XXXX credit card. CITI bank approved my credit card, after some time they restricted my credit card and asked to send them signed documents. I sent those documents and after a long time I called them and they told me that they processed documents and removed the restriction from my account. I was doing my payments on time for the annual fee. Eventually they closed my account. I don't see any valid reason to do it, please assist me to reopen my card.

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 2025-05-02 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was using this credit card to pay for subscription services I was using. I am not sure when the account was closed but on XX/XX/XXXX a charge was refused and the provider of the service charged anther credit card they had on file for me. ( It is not the card I would have chosen if they had given me any warning ). The XXXX  vendor to be refused did not have an alternate card so they canceled my service on XX/XX/XXXX. This is when I called the service provider to find out why the had discontinued my service. They told me the credit card account was closed. 

At this point ( XXXX ) I contacted the credit card company. They told me that the account was closed by the XXXX XXXX because under the credit card agreement they could. When I asked what provision of the agreement I had violated, they would not tell me. They told me the reason was in a letter which had been sent by the committee, which letter I had not received. A few days later I received a letter from them stating that they closed the account because they could. 

I had a balance of {$9.00} of bonus reward points under their agreement. When I asked for this amount to be redeemed, they told me that they had a policy of not returning these points if they were less than {$15.00}. When I told them I could not earn more points because they closed my account. They said that was just too bad. 

I should mention that the account was current and had been since it was opened in 2022. My complaint is that they did not give me sufficient warning about the closure for me to make alternate arrangements. This cost me about XXXX bonus rewards from other credit cards. And they closed my account at such a time to cause me to lose my rewards of {$9.00} which is of course to their benefit. This also seems to be indicative of a process established by this bank to help them selves at customers expense. I would look for ths to be wide-spread.

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 2025-05-02 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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