vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-20 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: CA

Complaint narrative:
XXXX PROS XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK 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 2025-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
This was a debt on a property but I never received notice or information regarding this debt and no one reached out for a settlement to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, 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 2025-03-20 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: Kikoff Inc.
State: TN

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I received a letter stating that all my credit cards with Bank of America were closed due to " Irregular authorized user activity on one or more of your accounts. '' I didn't do anything wrong and had more that {$500.00} in credit card rewards earned, but not redeemed. The company confiscated those rewards and refuses to provide compensation for taking those from me. I don't think it is fair that they closed my credit cards or took my rewards.

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 2025-03-20 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: CT

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 XXXX XXXX. 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to get my free online credit report from TransUnion on Annual Credit Report website. The message on the website says the following : We're unable to complete your request online. TransUnion customer service refused to give me an access to my online credit report. They said parasitic TransUnion XXXX office blocked me and dont allow me to get my crefit report online. I called TransUnion many times and the customer service said they are not able to fix the problem. The agent told me that TransUnion deactivated my account because Im from XXXX. This is unacceptable service, harassment and discrimination.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I am writing to address an issue regarding a charge-off that has remained on my credit report despite my full payment. 

On XX/XX/year>, I made a payment of {$1300.00} to settle the outstanding balance on my line of credit. At the time of payment, I was informed by a XXXX agent that once the balance was paid in full, the charge-off would be removed from my credit report. Being that I was back on my feet with working I wanted to make sure I cleared this up I was always making on time payments but failed behind due to work related things. However, despite fulfilling this obligation of paying the settlement amount request, the charge-off is still appearing on my credit report across all three major bureaus. 

I am actively working to re-establish my credit and maintain a good credit history like I had before getting this charge off, but this charge-off continues to impact my ability to move forward. I kindly request that you remove this negative remark from all three credit bureaus to reflect that the debt has been settled. 

I would appreciate your prompt attention to this matter because I did as they asked which was pay the settlement and this line of credit would be removed completely from my credit profile. however I have fulfilled my end of the deal and they have yet to do theres an this has been affecting my financial goals. Please let me know if any further documentation is needed from my side to facilitate this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address an issue regarding a charge-off that has remained on my credit report despite my full payment. 

On XX/XX/year>, I made a payment of {$1300.00} to settle the outstanding balance on my line of credit. At the time of payment, I was informed by a XXXX agent that once the balance was paid in full, the charge-off would be removed from my credit report. Being that I was back on my feet with working I wanted to make sure I cleared this up I was always making on time payments but failed behind due to work related things. However, despite fulfilling this obligation of paying the settlement amount request, the charge-off is still appearing on my credit report across all three major bureaus. 

I am actively working to re-establish my credit and maintain a good credit history like I had before getting this charge off, but this charge-off continues to impact my ability to move forward. I kindly request that you remove this negative remark from all three credit bureaus to reflect that the debt has been settled. 

I would appreciate your prompt attention to this matter because I did as they asked which was pay the settlement and this line of credit would be removed completely from my credit profile. however I have fulfilled my end of the deal and they have yet to do theres an this has been affecting my financial goals. Please let me know if any further documentation is needed from my side to facilitate this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
An account was opened using my personal information on XX/XX/year>. This was opened without my knowledge and I recently discovered this because of a call from a collection agency. I believe this account was opened under a different address than the one that I have lived at for the last XXXX XXXX years ( XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ). We never received any written information from the credit card company most likely due to the fact that the person who created this account used a fraudulent address ( perhaps XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX? ) I have never resided at that address and have never lived outside the XXXX of Illinois. The amount that they charged is {$6000.00}.

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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Red Target LLC
State: TN

Complaint narrative:
I was first contacted from this company in around XXXX about a debt. We went back and forth but never came to a resolution. I was served with legal ( court papers ) in XXXX i attended both court dates. On the second court date i was told by their representative that the matter was no longer being pursued. She also said that the matter was closed. So we never went in front of the judge. Today i receive a letter saying i have a court date on XX/XX/XXXX that previously set for XX/XX/XXXX ( the last day i went to court for this matter ). I have discarded all the original paperwork from this matter last year. This seems to be a ploy to catch me at disadvantage and almost seems criminal in nature. Prior to this their collection efforts were questionable at best. I believe this new court date is in retaliation to a negative review i left them online last year. 


Thank you for your time on this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened the citizens bank account due to influenced by their advertisement on the official website for bonus offer and I'm writing this complaint since the bank closed my account without providing a reason for closing. 

I have reviewed an agreement that the bank said we may close an account at any time, without prior notice, such as where we, in our sole discretion, note any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner. 

However, My account didn't have those activities and They forcefully closed my account without providing reasons for closing. 

I believed they should have provided me reasons when They closed my account without any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner based on the agreement. 

I'm very insecure that bank or their customer service looked up my account without prior notice and permissions. I believed this is also lack of security. 

As you know, Financial information is personal information which must protected by law. 
I know they stated that it would be conduct under sole discretion. I think that is just abuse of power for this matter since my account didn't have those activities which they specifically mentioned on an agreement as a reason for closing. 

Additionally, bank had overdrawn my account by errors of system which potentially caused for closing account. I wonder how the bank overdrawn my account without posting transactions. 

I have called regarding this issues, but they disagreed what I was saying in this letter about their agreement. The advocate XXXX stated that bank wouldn't provide reasons for closing. 

I would like to request the reason for closing to a bank and I hope you guys can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

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 2025-03-20 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: FL

Complaint narrative:
A XXXX XXXX XXXX XXXX account was opened fraudulently resulting in a balance of {$11000.00}. Also XXXX inquiries. XXXX  initiated on XX/XX/XXXX. XXXX initiated on XX/XX/XXXXXXXX XXXX initiated 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 non-monetary relief
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
After reviewing my credit report, I was deeply frustrated to find an account that I do not recognize. I want to be clear that this complaint is not a mistake. Despite having no connection to this account, it continues to appear on my report, causing me considerable stress and concern. Both XXXX and XXXX have already deleted this fraudulent account, and even Experian previously removed it yet it has now been reinserted without any valid reason, notice, or evidence. This ongoing misreporting is a clear violation of my consumer rights.

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 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: EGL US, LLC
State: IL

Complaint narrative:
I was told I can get a settlement offer up around {$3000.00} when I came up with the money and called them back. They basically say oh I have to wait until they process the settlement in the midst of them processing the settlement. Theyre constantly adding interest and every time I call, they steady telling me oh I cant do a settlement yet because it has to go through the manager. Im constantly calling constantly calling and theyre steady occurring interest on the loan when Im simply trying to get a settlement to pay it off that way, it doesnt keep making my credit look bad. They wont allow me to just do the settlement. Theyre steady saying I have to wait telling me every week check back. Every week Im calling and getting nowhere while the loan is steady occurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the 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 non-monetary relief