vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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 have the right to privacy My information was part of the data breach

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 2025-03-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear XXXX XXXX  I had to ask you for a copy of my credit report and for complete suppression of my personal information and instead you gave me a useless AI generated form letter on a Sunday. Including in this bogus piece of paper was the false statement that you believed, I am not the requester of the information despite the request coming from my address using my Social Security number my email address and my home address. Obviously your stall tactics and a refusal of me getting my credit report are violation under the FCRA. I have included a copy of my Social Security card and drivers license number as well as all of my personal information. If you have any questions, call my house or cell phone number that is listed with my name Thank you 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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-02 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:
To Whom It May Concern, I am formally disputing an inaccurate account that appears on my credit report with TransUnion and Equifax but is not listed on XXXX. The account in question is : Creditor Name ( s ) : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ XXXX, XXXX ] Reported Balance : [ XXXX, XXXX ] Reason for Dispute : Incorrect/Unverified Account I have no knowledge or record of ever opening this account and request immediate verification per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Please provide the following : 1. A copy of the original signed application proving I opened this account.

2. A full payment history and breakdown of charges.

3. Any supporting documentation verifying my consent to be responsible for this debt. 

If you can not provide proper documentation within 30 days, this account must be deleted from my credit file immediately as required by FCRA regulations. 

Additionally, because this account is not reported on XXXX, its presence on my TransUnion and Equifax reports raises concerns about inconsistent reporting and potential inaccuracies in your data. 

I request a written response confirming your findings and the actions taken. If the account is not properly validated or removed, I am prepared to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Contacted bureau to ask about bankruptcy inaccuracy reporting on my consumer report. Not sure of where they received their information but it is incorrect on XXXX2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Contacted bureau to ask about bankruptcy inaccuracy reporting on my consumer report. Not sure of where they received their information but it is incorrect on XXXX2025

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 2025-03-02 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I lost my job find new job move on other city didnt receive my bills and credit card company false report late payment I paid on time always and paid off balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: DISCOVER BANK
State: IN

Complaint narrative:
I lost my job find new job move on other city didnt receive my bills and credit card company false report late payment I paid on time always and paid off balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-02 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: SC

Complaint narrative:
I have had perfect payment history since XX/XX/XXXX, originally with XXXX and later with XXXX XXXX after my account was transferred in XX/XX/XXXX. During the transfer, there were several issues that took months to resolve. Now, XXXX has made an error regarding my XX/XX/XXXX payment, which has resulted in an incorrect late payment being reported to Experian. 
XXXX misapplied my XX/XX/XXXX payment. 
My XX/XX/XXXX payment covered both XXXX and XXXX, meaning I was never delinquent. 
I received no notification that the XXXX payment was not applied correctly. 
Experian denied my dispute in less than a day without conducting a proper investigation, violating FCRA 1681i. I was not allowed to resubmit the dispute or appeal the decision. 
This incorrect late payment is also affecting my co-signers credit, and my co-signer can not be removed from the loan until this issue is fixed. 
- XXXX is in violation of FCRA 1681s-2 ( a ) for furnishing inaccurate credit information. 
- Experian is in violation of FCRA 1681i by failing to conduct a reasonable investigation despite clear evidence that my payments were made on time. 
This false late payment is negatively impacting my credit score at a critical time. My family is in the process of moving, and this error is directly affecting our ability to secure housing. This mistake must be corrected immediately to prevent further harm. I am in the process of remedying other errors on my credit report as well that have been disputed in the past and negligently not removed in violation of FCRA 605 ( a ) ( 5 ), CARES Act, FCRA 1681s-2 ( a ), FCRA 1681s-2 ( a ) ( 1 ) ( B ), and FCRA 605 ( a ) ( 4 ). I expect all of these disputes to be properly investigated and the negative accounts removed from my 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : CFPB Complaint Regarding Citibanks Failure to Honor COVID-19 Credit Card Pause Request To Whom It May Concern, I am writing to formally file a complaint against Citibank concerning the management of my credit card account. During the COVID-19 pandemic, specifically in XX/XX/XXXX XXXX I elected to take advantage of the federally provided option to pause my credit card, a relief measure designed to assist consumers during this unprecedented time. 

Despite my timely and proper request to pause my account pursuant to the federal guidelines available at that time, Citibank failed to honor this request. Instead of freezing the account as required, Citibank continued to impose fees, penalties, and interest on my account. These additional charges have significantly increased my balance beyond the credit limit, and the account was ultimately reported to collections. Consequently, my credit score has been severely impacted by these actions.

I have maintained comprehensive documentation of all related communications and account statements, which clearly show that I followed the correct procedures to request the federal relief option. My attempts to resolve these issues directly with Citibank have not yielded a satisfactory response, leaving me with no alternative but to seek intervention from your agency. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask that you : Determine whether Citibank violated any federal regulations or consumer protection laws by failing to implement the COVID-19 relief provisions.

Assist in facilitating the correction of my account to remove improperly applied fees, penalties, and accrued interest. 

Work toward having any negative reports related to these actions removed from my credit reports to restore my credit standing. 

Enclosed with this letter, please find copies of all pertinent documentation, including my initial relief request, correspondence with Citibank, and account statements detailing the charges and subsequent reporting actions. 

Thank you for your prompt attention to this serious matter. I trust that your investigation will help resolve the issues and protect consumer rights in these challenging times. I look forward to your response and to a resolution that rectifies the adverse effects on my financial standing. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-03-03 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Customer Service Department Experian Information Solutions , Inc . 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Sir/Madam, Re : Formal Complaint Regarding Experian Lawsuit I am writing to express my concern regarding the recent lawsuit against Experian. I have been a customer of your services for a considerable period, and I was alarmed upon learning that Experian is currently facing legal action due to potential mishandling of consumer data. 

As a company that prides itself on providing reliable credit reporting services, I trusted Experian to safeguard my personal and financial information. The news of a lawsuit raises significant concerns about the security of my data, and I am seeking clarification on the measures that Experian is taking to protect its customers in light of these legal proceedings. 

I am requesting the following : A detailed explanation of the nature of the lawsuit and how it may affect customers like myself.

Information about the steps Experian is taking to resolve this matter and prevent similar issues in the future. 
A clear outline of how my personal information has been safeguarded throughout this process. 
I expect to receive a timely response to address these concerns. As a customer, I have a right to feel confident in the security and integrity of the services you provide. 

Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information is XXXX & Experian & Equifax have not fully investigated as per the FCRA. Experian & Equifax have violated several laws in not investigating this. Based on true original date of delinquency this is to be removed. I have tried multiple times to get XXXX XXXX XXXX XXXX removed due to the inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : TransUnion XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : TransUnion XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief