vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my credit report not opened by me. Please remove these fraudulent accounts soon as possible. I also found Inquiries on my credit report from creditors I did not give my permission to run my credit. These Inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report as soon as possible. 
These fraudulent Inquires are XXXX XXXX XXXXXX/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 2025-06-11 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:
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 2025-06-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/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 2025-06-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am submitting this complaint against Experian for ongoing willful violations of the Fair Credit Reporting Act ( FCRA ) and for ignoring a {$5000.00} civil judgment entered against them. 

I have called Experian, emailed them, and sent written disputes by certified mail, all demanding the removal of unauthorized inquiries, fraudulent personal data, and a false collection account. It has been over 30 days, and they have not responded appropriately or corrected the false items on my credit report. 

Experian continues to report : Fraudulent hard inquiries from XXXX, XXXX, XXXX, and others False names and an address that does not belong to me An inflated, unverifiable collection for {$23000.00} Paid accounts that should not be negatively impacting my report I previously won a {$5000.00} judgment against Experian, which remains unpaid, and I have notified them that I am now beginning garnishment proceedings. I also informed them that I have filed for arbitration to pursue further damages, and I am escalating this complaint to the California Attorney General. 

Experian is clearly stalling, failing to comply with FCRA, and continuing to harm my credit. I am asking the CFPB to fine Experian immediately and hold them accountable for repeated violations, including failing to reinvestigate disputes, taking the word of furnishers without verification, and ignoring a lawful judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing in response to your recent correspondence requesting further documentation in connection with my claim of identity theft. Enclosed with this letter, you will find the necessary supporting materials to substantiate my request for the removal and blocking of fraudulent information from my credit file, as provided for under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-11 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX 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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: MA

Complaint narrative:
I am a victim of identity theft, and this account was opened without my knowledge or consent. I discovered it while reviewing my Equifax credit report. I did not apply for or authorize this account, and I have no connection to the company reporting it. My personal information was part of the Equifax data breach, which may have led to this fraudulent activity. This account is damaging my credit score and financial reputation. I am requesting an immediate investigation and permanent removal under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: PlusFour, Inc
State: NV

Complaint narrative:
This collection showed up on my credit report about a month ago. After checking the facts of the report I saw inconsistentsies. I contacted the original creditor and service provider which is XXXX XXXX in XXXX XXXX, NV. I asked them for an itemized explanation of the charges which they emailed me. Upon receiving the email I saw the amount owed to them was {$120.00} which is far less than what is showing on the credit report. I asked why I still had any current charges after eight years with the fact that my insurance had been billed and payments had been made on my behalf. I asked why this was being reported to my credit after such a long time and mentioned the fact that I have used this company for years with other diagnostic procedures and never had an outstanding bill or issue like this. I asked why the difference in amount and if they could provide me another itemized statement of the amount being reported to the credit agency. They were unable to give me any further information and said the matter had to be escalated to higher management and someone would contact me in thirty days or sooner. I never was contacted again and when I contacted the company again there was still no further information on the charges available. I was never provided the proper factual documentation supporting these charges or the credit report amount. Upon contacting Plusfour they referred me to call XXXX XXXX to solve the matter directly which I had alredy 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 2025-06-11 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: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days.

Creditor name : XXXX XXXX XXXX  According to FCRA Section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received XXXX membership rewards points to my business checking account as part of the welcome bonus offer. However, the rewards points were removed from my checking account after my credit cards were closed by AMEX. My points should still remain available to spend since they are two separate financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2025-06-11 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:
Despite my repeated efforts to resolve this issue directly with the furnishers and credit bureaus, the disputed account remains on my credit report. This ongoing reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit bureaus must conduct a reasonable reinvestigation of disputed information within 30 days. 

Dispute Details : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : The account is inaccurate, unverifiable, and has not been validated or corrected after multiple disputes.

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 2025-06-11 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:
Despite my repeated efforts to resolve this issue directly with the furnishers and credit bureaus, the disputed account remains on my credit report. This ongoing reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit bureaus must conduct a reasonable reinvestigation of disputed information within 30 days. 

Dispute Details : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : The account is inaccurate, unverifiable, and has not been validated or corrected after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was in the XXXX store in XXXX on XXXX XXXX and asked about some items and next a clerk suggested a credit card because I could get them 20 % off and come back on my birthdate and do it all over again. 
I replied that I was not in a position to get a credit card. I had one but working on all the damage by illegitimate markings on my credit report. Next, she and her manager told me this card was without a hard pull and it would have no effect on my credit report but I'd get approved. 

I did it not know this claim was totally impossible. I don't even know if they knew what they were saying was impossible. I send a letter to CEO of XXXX to tell them how hard I had been working to delete false claims ( there are at least XXXX or more ) that ruined my credit worthy standing. I had a credit score of XXXX all my life and now this was a hard pull that set me back even farther. My spouse walked out of our business and hurt me financially. I'm building it back up. He even left me with his debts and I make payments each month for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 XXXXXX/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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
In violation of both FCRA and FDCPA, I never received any notice of this alleged debt, with all of the required components, or of my right to dispute. However, as of XX/XX/year> this alleged and fraudulent collection account was reported to my credit report. I do not owe this debt or any debt to Credence Resource Management, or to any third party, Credence Resource Management is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have, again, enclosed a copy of FTCs id theft report to this letter. 

As it is apparent that this alleged account was opened fraudulently, it is unconscionable that Credence Resource Management chose to initiate credit reporting and collection efforts, without giving me my legal right to dispute. 

Per FCRA and FDCPA, all reportable information has to be true and accurate prior to reporting. Credence Resource Management has failed to follow the law and has taken adverse action against me and my credit report, by placing a collection account on my credit report, which was opened by way of fraud, without giving me proper notification and my right to dispute. As such, I formally request that all adverse information placed against my credit report is removed immediately upon receipt of my documentation, and that further collection activities are ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/XXXX it was spring break i went to XXXX XXXX XXXX i went to this store to buy an umbrella and i had went into my back acc prior to that to get fund i didnt realize but i had dropped my phone and went back to the beach about an hour later i realized my phone was missing and that when i went to look for it with one of my friends that had my location and i found it on the floor the phone of a bar it was still open and i didnt think much of it so the when i found it so the next day i was going to pay my car payment which was due on the XXXX and i realized there were 2 charges for XXXX and XXXX i had about a little less than XXXX in my savings so i can save money for the car payment i go into the account and my savings account was empty and i was missing XXXX i did not authorize or make those charges so following up to today they took the money back and denied the claim and i did not make those charges

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 2025-06-11 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: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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