vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: VA

Complaint narrative:
I was sent an email to my personal email address stating that I owed a debt. The email stated " Credit Control , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. '' The email listed the name of the alleged debtor, last four digits of the account, who the account was with, and the amount owed. The email, to its credit did list the CFPB as a resource.

I am not the debtor listed and have no legal responsibility for the debt. Based off my quick research this communication violates the Fair Debt Collection Practices Act ( " FDCPA '' ). The FDCPA broadly prohibits communications to third parties. I am not the consumer, attorney, or a consumer reporting agency. Thus, it seems this is a blatant violation. This law exists in part to prevent exactly the kind of privacy invasion that occurred here.

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 2025-07-22 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-22 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of fraudulent accounts and inquiries that resulted from identity theft and were unlawfully reported on my consumer credit file. I have provided the required documentation including : A copy of my government-issued ID Proof of address Social Security card An official FTC Identity Theft Report The following fraudulent accounts must be removed in accordance with XXXX XXXX XXXX and FCRA regulations XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resolution Requested : Permanently delete all accounts and related inquiries listed above. 

XXXX the fraudulent data within four business days of receiving the identity theft documentation, as required by 15 USC 1681c2.

Do not respond with a stall or generic letter. This dispute was initiated directly by me, the consumer.

Send a written confirmation of the deletions and provide an updated copy of my credit report.

Ensure this fraudulent information is not reinserted in the future unless all FCRA reinsertion procedures are followed, including proper notification and documentation under FCRA 1681i ( a ) ( 5 ) ( B ).

If this matter is not resolved promptly and accurately, I will escalate this case by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General Offices ( both mine and the reporting agencys ) I expect this issue to be handled within the timeline mandated by federal law and resolved without further delay.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-07-22 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-07-22 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: MD

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-22 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:
On XX/XX/year>, I submitted a legally compliant dispute letter to Equifax regarding several inaccurate items on my credit report, including a charge-off account reported by XXXX XXXX XXXX Tracking Number : XXXX ). My dispute was made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), which require the credit bureaus and furnishers of information to conduct a reasonable reinvestigation and remove any unverifiable or inaccurate data. 

In response, I received a letter indicating the investigation was completed, but the reported information remains unchanged. This is inaccurate, misleading, and in violation of federal law. 

XXXX XXXX has failed to verify the debt with original and legally required documentation, including : A contract bearing my signature My original identification My correct address at the time of the alleged account A valid 1099-C form for alleged debt cancellation ( if the account is considered closed or charged-off ) Additionally, I previously sent a cease and desist letter, instructing them to stop all communication unless they could provide this documentation. To date, they have not done so. If the account is closed, there is no valid reason it should continue reporting negatively on my credit report. 

Their continued reporting without providing substantiation violates : 15 U.S.C. 1681i Failure to properly investigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c Reporting outdated or obsolete information 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit transunion permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove these inquiries from my report. 

XXXX XXXX XXXXXXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chex Systems has been buying and selling my personal information for financial gain for the past several years. This is identity theft. I need them to remove everything 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 2025-07-22 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: VA

Complaint narrative:
After reviewing the law 15 U.S. Code 1692g the debt collector never provided written notice to me containing this account. The debt amount, the creditor 's name, and a statement that the debt will be assumed valid unless disputed within 30days. 
Account Name : XXXX XXXX Account number 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 2025-07-22 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: VA

Complaint narrative:
After reviewing the law 15 U.S. Code 1692g the debt collector never provided written notice to me containing this account. The debt amount, the creditor 's name, and a statement that the debt will be assumed valid unless disputed within 30days. 
Account Name : XXXX XXXX Account number 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 2025-07-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I used my Barclays Credit Card to Purchase a Suit on XXXX The Suit Coat Stitching feel apart after 1 Dinner party The Mechant accepted my request for a return after being presented with Pictures of the Defective Suit Coat.

Initially Barclays refunded my purchase price.

Ignoring my claim that the Suit was DEFECTIVE Barclay Sided with the Merchant based upon the Suit having been altered which is against the Return Policy of the unscrupolous Merchant I tried
explaining this the Barclay 's Office of the President and was told about the dispute being settled in favor of the Merchant The stitching failed after only one use, clearly making the item not of acceptable quality/ not fit for purpose. This is not a case of buyers remorse or late returnit is a case of a defective product.

A return policy does not negate my consumer rights or Barclays obligations under [ Section 75 of the Consumer Credit Act/ XXXX chargeback rules ].

The Merchant has my {$1300.00} and the Defective Suit I need your confirmatino that Barclays is obligated to protect me from Defective Product RE : Case ID : XXXX Disputed Transaction with XXXX XXXX XXXX XXXX for {$1300.00} To Whom It May Concern, I am writing to reassert my dispute of the {$1300.00} transaction with XXXX XXXX XXXX XXXX, dated XX/XX/year>, charged to my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The product I received a suit was defective : the quality was that of a Rejected Suit and after only one wear, the seams came apart, rendering it unusable and unfit for its intended purpose. I contacted the merchant and was provided with a Return Shipping Label.

The merchants response does not address the defective nature of the product. I am including the following supporting documentation : A signed statement ( this letter ) explaining the nature of the defect.

Photos showing the lack of quality of the Suit and its seams.

As the product is defective I respectfully request Barclays reinstate the credit under my cardholder protections.

The Merchant has the Suit and my {$1300.00} I have attached the response from Barclays office of the President That did not take into account that the Merchant 's Product is Defective

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I sent a check by US mail as an estimated tax payment. The check and the accompanying payment voucher included my social security number. That check was stolen from the mail, and it was fraudulently presented for payment. Citibank agreed the check was fraudulently presented and refunded me the amount of the check, in accordance with its obligations under applicable. 

In response to this theft, I asked Citibank that no checks be honored on the account, and that the account type be changed to a basic account rather than a regular checking account. I opened a separate checking account with Citibank. The old account remained open only to receive certain legacy payments associated with the old account number. 

On XX/XX/XXXX, an unauthorized person impersonating me contacted a Citibank call center and accessed my account by phone. A call center transaction was posted transferring {$10000.00} from my checking account to the old account. In addition, a checkbook was ordered for my old account, in spite of our earlier agreement blocking checks. Citibank had actual knowledge ( from the XXXX incident ) that my account number and my social security number had both been compromised, yet used these numbers for the purpose of identification. In addition, the person changed the phone number and email associated with my account. Citibank made no attempt to contact me by mail, phone, email or secure message after these suspicious changes. 

On XX/XX/XXXX, an order for printed checks posted to my account. On XX/XX/XXXX, a check for {$7800.00} posted to my account. The check was forged, the payee is unknown to me, and I have no connection to the check. The signature on the check appears to be copied from the check stolen in XXXX. 

On XX/XX/XXXX, I identified the fraud and immediately contacted Citibank. On XX/XX/XXXX, I received a voice mail from Citibank with no clear instruction for how to follow up. On XX/XX/XXXX, Citibank sent me a denial for my fraud claim. The denial claims I did not provide requested follow up documentation. I received no mail, email or other contact from Citibank apart from the XX/XX/XXXX voice mail, and I received no instruction for how to provide follow up information. On XX/XX/XXXX, I called Citibank and requested a status update. Only on XX/XX/XXXX did Citibank send its request for information by email. On XX/XX/XXXX, I sent by email, with a duplicate copy by mail, the statement of unauthorized use Citibank requested. Citibank still has not provided any request by 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 monetary relief