vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: MS

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 2025-04-30 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: CA

Complaint narrative:
This complaint is directed towards Experian, Equifax, and TransUnion Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} late days : XXXX XXXX ( 30 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$70000.00} late days XXXX XXXX XXXX ( 30 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
This company has been requesting me to send over multiple valid government issue ID and refuses to respond to the information provided In a timely manner. My application is still pending after days and I believe the company is discriminating against me. Attempting to give me a hard time in order to open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX reported an account in error for an account that was closed and had a XXXX balance. XXXX contacted the collection agency and reported that it was invalid and credited the account. XXXX with Credence Resource Management advised that the balance was XXXX on XX/XX/year>2025 and they have 7-14 days to update the information with the credit bureaus. I advised the account was still showing a balance and this account was invalid. They stated the account was inactive and would not be able to update the file immediately. I requested to have it placed in dispute status and they refused because they said they have 14 business days to submit the deletion request. I asked why they were not able to dispute it and they stated it was marked as inactive on XX/XX/year>2025. They said this is their standard processing time and no changes will be made or reported despite the account being invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
The account is showing as a repossession. The vehicle is not repossessed and in addition to that, the vehicle has been PAID OFF IN FULL. The vehicle was in an accident; totaled and paid in full by the insurance company. The account is reporting on my credit report incorrectly. Please remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b, I never gave written consent for this account to be reported. No consent = identity theft. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have not supplied proof under the doctrine of estoppel by silence ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I may presume that no valid debt exists. This account must be deleted immediately. 

XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity was breached and misused. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted accounts may not be reinserted without notice. This fraudulent account must be removed. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b, I never gave written consent to report this account. Reporting without consent constitutes identity theft. This account must be deleted 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 2025-04-29 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:
There appears to be an error in the reporting of my payment for this account. I did not make a late payment.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Contacted transunion after application denial and notified them that i have XXXX evictions being reported and they are dismissed and paid in full and have disposition dates. I disputed them and Transunion did investigation and said they were accurate despite me showing proof that they were paid off. They did not remove or update the evictions in anyway

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 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a fraudulent XXXX transaction processed by XXXX XXXX XXXX  on XX/XX/year>, involving an imposter posing as both a recipient and a representative of XXXX. 

At XXXX XXXX  on the date of the incident, I was notified by XXXX of a XXXX transfer in progress to XXXX XXXX ( email : XXXX ) via Citi Bank. This email was identified as non-enrolled with XXXX. I immediately notified XXXX Bank and requested that the transaction be canceled. I received a reply at XXXX XXXX  stating I had not authorized a XXXX payment and that XXXX could not cancel the transaction. The funds were delivered by XXXX XXXX. 

Under Section 10 of the XXXX XXXX XXXX XXXX Agreement : You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service Because the recipient was not enrolled, the payment should have been cancelable. I acted promptly and was within the cancellation window. Additionally, per Section XXXX : XXXX XXXX delay or block the transfer to prevent fraud or to meet our regulatory obligations No such security measures were taken, despite red flags such as a phishing email and a non-enrolled recipient with XXXX. I promptly filed a claim with XXXX, which was subsequently denied without satisfactory explanation or remedy. 



XXXX XXXX XXXX XXXX Account # XXXX ( closed as of XX/XX/year> )

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-04-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-04-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Verification To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your recent communication dated XX/XX/year>2025. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive verification of any debt you claim I owe.

Please provide the following documentation to substantiate your claim : Original Contract with Wet Ink Signature : A copy of the original signed agreement between myself and the original creditor, demonstrating my obligation to the alleged debt.

Proof of Debt Ownership : Documentation evidencing your legal right to collect this debt, such as an assignment or purchase agreement from the original creditor.

Account Statements : Detailed statements showing the account history, including charges, payments, and the current balance.

Debt Validation Notice : A copy of the initial validation notice you are required to send within five days of first contact, as stipulated by 15 U.S.C. 1692g ( a ).

Licensing Information : Proof that your agency is licensed to collect debts in the state of Texas, as required by state law.

Statute of Limitations : Information regarding the date of the last payment or activity on this account to determine if the debt is within the statute of limitations for collection in Texas.

Please be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until this validation is provided. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I request that all future communications regarding this matter be conducted in writing and sent to the address listed above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Ongoing Inaccurate Reporting and Inadequate Reinvestigation FCRA Violations I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding disputed and inaccurate items on my credit report. Despite submitting a formal written dispute and supporting documentation, Experians reinvestigation was insufficient, and multiple accounts remain inaccurately reported or were verified without proper documentation or explanation. 

Experian Report Number : XXXX Date of Response : XX/XX/year> Disputed and Still-Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated but still reports late payments FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a Method of Verification upon request.

I submitted a request for the Method of Verification following the results and have yet to receive an adequate response. The continued reporting of these inaccurate items is causing significant harm to my creditworthiness and personal finances.

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 2025-04-30 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: NM

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify account that was opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ),

Federal Trade Commission ( FTC ), and my State Attorney General. 2.Initiate legal action for your violations of FCRA Section XXXX and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX - XXXX XXXX XXXX & XXXX BANK DELAWARE 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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 seven 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 non-monetary relief