vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am writing to formally raise a concern regarding an unexpected restriction placed on my credit card.its been more than a month that i'm trying use the card for my medical treatment transaction on and it continuously being declined. Upon checking, I discovered that the card had been restricted without prior notice or a clear explanation. This sudden restriction has caused significant inconvenience and embarrassment, particularly as I rely on this card for essential daily expenses and commitments. I have reviewed my recent transactions and can confirm that all activity has been legitimate and within normal usage patterns. 
I kindly request a prompt explanation for the restriction and a timeline for when this issue will be resolved. If any documentation or further verification is needed from my end except visiting the branch because i'm traveling for my medical treatment and in this time i need to use my card for my medical expense. please let me know immediately so I can assist in expediting the process. 
I hope to have this resolved quickly to avoid further disruption.

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 2025-04-20 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: NY

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 2025-04-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
{$26.00} was taken from me from experian. A few days ago I checked my account, did a free credit report. They said they needed a card on file. They gave me my details. The next day I wanted to freeze my account. So thats what I pressed. It said nothing about a credit card or anything. Today I get an alert that they charged me for XXXX. I never signed up for a new membership I never did. I only requested a free report and they shouldnt be charging me to lock my personal data at all. They are stealing and its many other complaints of this. I had to cancel a membership in the past for them doing this same thing. They take your card information but dont allow you to remove it on their site where you put the information. Its very unethical

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 2025-04-20 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: MA

Complaint narrative:
I am writing to formally dispute certain information in my credit report that appears to be in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, which limits how long adverse information may be reported by consumer reporting agencies.

According to the law, most negative information such as late payments, charge-offs, collections, and similar items may not be reported more than seven years after the date of the delinquency that led to the item. Additionally, bankruptcies must not be reported more than ten years after the date of filing.

As this information is outdated and therefore violates federal reporting limitations, I am requesting that this item be promptly removed from my credit report. Enclosed is a copy of my credit report with the item ( s ) in question highlighted, along with any relevant documentation.

Please complete your investigation of this dispute within the XXXX time frame allotted by law and provide me with written confirmation of the outcome. If the item ( s ) can not be verified or are found to be inaccurate or outdated, they must be deleted from my credit file. 

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-20 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-20 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: AR

Complaint narrative:
I am filing this complaint because Equifax has violated several provisions of the Fair Credit Reporting Act ( FCRA ) regarding a previously removed account from my credit report that has now been reinserted without proper notice. 

The account in question is from XXXX XXXX XXXX. This account was removed from my Equifax credit report following a dispute, and then mysteriously reappeared. Equifax did not notify me in writing within 5 business days of the reinsertion, which is a clear violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

Additionally, Equifax has repeatedly asked me to verify my identitythree separate timeseven though Ive submitted the required documentation each time. This seems to be a stall tactic and is not in line with FCRA compliance. 

Most recently, Equifax has begun labeling my disputes as duplicates and refusing to investigate further, even though the situation has changed, and new information and violations are involved. This violates : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S. Code 1681s-2 ( b ) Furnisher failure to properly verify account data I am requesting the CFPB to require Equifax to : 1. Immediately and permanently delete the XXXX XXXX XXXX account from my credit file 2. Provide a written explanation of why the account was reinserted 3. Provide proof of the notice they were supposed to send me, which I never received 4. Stop labeling legitimate disputes as duplicates to avoid investigation Ive spent months trying to resolve this directly, but Equifax continues to violate my rights. I am asking for the CFPBs help in holding them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting of a closed and transferred account that continues to be reported negatively on my credit report. The account is reporting late payments, which are inaccurate and potentially violate the CARES Act provisions, harming my creditworthiness and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX is reporting an account negatively on my credit report, despite the account having been transferred and closed. The continued reporting of this account with late payments is inaccurate, as the account should no longer be reported by XXXX XXXX. 
The FCRA requires furnishers to report accurate information to credit bureaus ( 15 U.S.C. 1681s-2 ( a ) ). XXXX XXXX has failed to validate the accuracy of this accounts status and payment history, especially given its closure and transfer. 
The late payments in question may relate to a period during the COVID-19 pandemic when I experienced financial hardship and may have received a payment accommodation. Under the CARES Act, if an account was current at the time of a payment accommodation and the terms of the accommodation were met, the account must be reported as current ( CFPB Guidance, XXXX ). Despite this, my credit report reflects late payments, which is inaccurate and non-compliant with CARES Act provisions. 
XXXX XXXX has not provided evidence that they complied with CARES Act requirements by ensuring accurate reporting during any accommodation period. 
On XX/XX/XXXX, I mailed a dispute letter to XXXX XXXX, requesting validation of the account and correction of the inaccurate late payment information. I am filing this CFPB complaint simultaneously to ensure that XXXX XXXX handles my dispute in accordance with FCRA requirements ( 15 U.S.C. 1681s-2 ( b ) ) and to protect my consumer rights. 
The inaccurate negative reporting of this closed account is damaging my credit score, limiting my access to favorable credit terms, and potentially affecting opportunities for loans, housing, or employment. This violates my FCRA rights, which mandate that furnishers investigate disputes and correct inaccurate information promptly.

The continued reporting of a transferred and closed account with inaccurate late payments is a clear breach of XXXX XXXX  responsibilities as a furnisher. 
I request that the CFPB investigate XXXX XXXX  credit reporting practices and their handling of my dispute 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 explanation
Consumer complaint received 2025-04-20 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:
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 explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Two Child support accounts open for one child on credit report showing closed and reporting as delinquent when they shouldnt be on my account at all ruined credit and still reporting inaccurately I have gone to court to have removed and all three credit bureaus have put them back on my report inaccurately. 2017-now reporting inaccurately on credit Ive tried removing without success and have tried disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Two Child support accounts open for one child on credit report showing closed and reporting as delinquent when they shouldnt be on my account at all ruined credit and still reporting inaccurately I have gone to court to have removed and all three credit bureaus have put them back on my report inaccurately. 2017-now reporting inaccurately on credit Ive tried removing without success and have tried disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: NY

Complaint narrative:
Date opened XX/XX/year> no knowledge of this account or of its existence my home was burglarized alot of things stolen can provide police report remove off credit report immediately due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: IL

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 2025-04-20 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX 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 ADRESSES - [ ] XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNTS - [ ] XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX balance : {$2800.00} - [ ] XXXX opened XX/XX/XXXX account # XXXX Balance : {$310.00} INQUIRIES - [ ] XXXX XXXX XX/XX/XXXX - [ ] XXXX XX/XX/XXXX - [ ] XXXX XXXX XXXX XXXX ] XXXX XX/XX/XXXX XXXX [ ] XXXX XXXX XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX 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 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-04-20 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: MS

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 explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-04-20 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: UT

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 explanation