vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX 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. 


XXXX XXXX # XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This document hereby declares a final and ultimate formal disagreement concerning the erroneous late payment details documented on my credit dossier in connection with the subsequent account : Account in Dispute Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XX/XX/year> / XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Absolutely heres the revised letter with that detail clearly included : -- - * * [ Your Full Name ] * * XXXX XXXX XXXX, XXXX XXXX Plantation, FL XXXX [ Phone Number ] [ Email Address ] * * Date : * * [ Insert Todays Date ] * * To Whom It May Concern, * * I am writing to file a formal complaint against TransUnion for failing to comply with federal law regarding the proper handling of fraudulent information and identity theft claims on my credit report. 

I am a victim of identity theft, which I believe is directly connected to the data breaches involving Equifax and Experian. As a result, fraudulent accounts have been reported on my TransUnion credit file without my authorization or knowledge. 

Initially, TransUnion was reporting an incorrect address on my credit report. My correct and only address is : * * XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX * * This address is now reflected on my credit report and is also the same address listed on my FTC Identity Theft Report. 

However, despite this match, TransUnion refused to accept my identity theft report and claimed that the address on the FTC report did not match the one on file. This is categorically false, as the correct address is indeed listed on both documents. This refusal has caused a delay in the removal of fraudulent accounts from my credit file, which continues to negatively affect my credit standing. 

XXXXransUnions actions are in direct violation of * * XXXX XXXX XXXX XXXX ( a ) * *, which requires consumer reporting agencies to have procedures in place to block information resulting from identity theft when provided with proper documentation. I submitted all required information, including the identity theft report and proof of address, and TransUnion has failed to comply with this legal obligation. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, ensure that TransUnion complies with federal law, and that all fraudulent accounts are permanently removed from my credit report. 

XXXXXXXX XXXX  Balance - {$19000.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$3100.00} Opened - XX/XX/XXXX XXXX XXXX Balance - {$2400.00} Opened - XX/XX/XXXX XXXX XXXXXXXX Balance - {$590.00} Opened - XX/XX/XXXX Please let me know if any further documentation is required to support this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER XXXX XXXX XXXX XXXX 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. 

XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
There is capital one account in my credit report that shows open with a {$0.00} balance that should be closed, I was an authorized user and the owner of the account has passed away XXXX years ago, it was open in XXXX and the last used was XXXX. My XXXX report shows closed but XXXX XXXX shows open. That needs to be closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, provided Citicard proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank XXXX confirming same. Letter and supporting documents were sent certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have had few credit cards in my lifetime and all perfect payment history however recently I went to open it try American Express and found out I had XXXX and XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. CXXXXe XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. CXXXXe XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. CXXXXe XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. CXXXXe XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. CXXXXe XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my 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 2025-04-21 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. CXXXXe XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. CXXXXe XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. CXXXXe XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. CXXXXe XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. CXXXXe XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used my Capital One credit card at an ATM owned by XXXX XXXX in XXXX, XXXX. The ATM did not dispense cash, but my account was still charged {$110.00}. Capital One has refused to issue a refund or investigate the matter until the charge posts, leaving me financially stranded while traveling. I contacted the ATM operator, and they confirmed that they can not resolve the issue and that its the U.S. banks responsibility. 

Capital One has not provided any immediate protection, provisional credit, or recourse while Im abroad. This feels like a loophole that places international travelers at risk. Im asking for accountability, faster processing, and a resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has removed me from XXXX XXXX XXXX as requested after they did their research but I was still denied an account because they never removed said account from XXXX. I will screenshot a copy of the letter from early warning and Citibank showing that I was not at fault and Im filing this complaint with the cfpb so that way Citibank can remove me from XXXX  as well before the month of XXXX is up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$51000.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I submitted dispute requests to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) because there are accounts on my credit report that are inaccurate. I had payment plans in place for several accounts and successfully paid them in full. These accounts should now be reflected as closed and in good standingbut they are not. 

Some accounts that I paid off months ago are still showing as open or delinquent. 

Additionally, any accounts that are closed and in negative standing should be removed from my credit report if they are no longer relevant or beyond the reporting period. Ive already contacted both the credit bureaus and original creditors, but the reports have not been corrected. I am filing this FTC report to request that these issues be addressed and corrected appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted dispute requests to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) because there are accounts on my credit report that are inaccurate. I had payment plans in place for several accounts and successfully paid them in full. These accounts should now be reflected as closed and in good standingbut they are not. 

Some accounts that I paid off months ago are still showing as open or delinquent. 

Additionally, any accounts that are closed and in negative standing should be removed from my credit report if they are no longer relevant or beyond the reporting period. Ive already contacted both the credit bureaus and original creditors, but the reports have not been corrected. I am filing this FTC report to request that these issues be addressed and corrected appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
On XX/XX/year>, provided XXXX proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank manager confirming same. Letter and supporting documents were sent certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 am writing to formally file a complaint against TransUnion for reporting a fraudulent account on my credit report. I am a victim of identity theft, which I believe is linked to the well-documented data breaches involving XXXX XXXX XXXX 

Despite notifying TransUnion of the fraudulent account and providing documentation, including my identity theft affidavit and police report, they have failed to remove the inaccurate information from my credit file. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2 ( a ), which requires consumer reporting agencies to block fraudulent information from a consumer 's credit report within four business days of receiving appropriate documentation. 

I respectfully request that the CFPB investigate this matter and hold TransUnion accountable for their failure to comply with federal law. Attached are copies of my supporting documents, including the identity theft report and correspondence with TransUnion. 

Thank you for your attention to this matter. Please contact me if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Hello after reviewing my credit I noticed you guys listed the account as an profit and loss write - off. In doing so you guys were suppose to provide me with a 1099c so I can write it off as income. It's still on my credit report as if I owe a balance after you guys took a tax break.

I'm requesting my 1099c for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief