vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.

Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : 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 2025-05-31 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: NJ

Complaint narrative:
On XX/XX/XXXX a Best Buy credit card was opened using my stolen information. The thief purchased a XXXX XXXX and XXXX XXXX headphones in person ( according to the details added to my XXXX account ). 

I contacted the Best Buy XXXX XXXX department shortly after and they closed the credit card and launched an investigation. I never heard back about the investigation and now I am being hassled to pay off the balance. 

I recently tried to call and explain the situation but was hung up on. 

The fraud occurred at two other companies the same day ( XXXX and XXXX XXXX ) and they were able to confirm the fraud swiftly. I don't understand why this seems to be difficult for Best Buy, and why they do not seem to have reasonable preventative measures in place. Their refusal to address this situation has been detrimental to my mental health.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had 2 purchases made on my account and it was done fraudulently now the company is saying there is no problem with the purchase and I told them it is not valid and had to get a police report and send it to them and this decision is not to approve the refund back and I called the merchant and they told me to tell the bank to tell my back to reverse the payments and the still does not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CORELOGIC INC
State: GA

Complaint narrative:
Company violated section 604 and 605 by sharing my personal Information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I went through XXXX XXXX XXXX  and paid off XXXX debts that are still appearing on my credit report 1 is for XXXXXXXX XXXX XXXX the other is Jefferson capital system both were paid in debt consolidation. I sent both a dispute 3 times with information and all 3 were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 have asked you to do an investigation on my credit profile and you have not done a fair investigation. It appears you are using something like E Oscar or some automated process to settle my disputes. The accounts listed below have not been verified nor have you provided the verification that I requested.

My XXXX  credit file doesn't report this information which means you can not assure that these accounts are 100 % accurate. It also means that you received information from the data furnishers that the information that you are reporting is inaccurate. Remove these accounts from my credit report promptly.

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Attached will be identification and evidence showing the inaccuracy of the accounts being reported on my account.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Company complained about : American Express Issue : Incorrect information on credit report Account Name : American Express Account Number ( last XXXX ) : XXXX Status Listed : Paid in settlement. {$60000.00} written off. 

What happened : American Express is inaccurately reporting an account as Paid in settlement. {$60000.00} written off. This is false. I never settled the debt for less than what was owed. The account was paid in full. I have requested verification and correction of this inaccurate and defamatory status and have received no proof of any settlement agreement. This violates the FCRA, and I am demanding immediate removal or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
I am filing this complaint because a collection account from XXXX XXXX XXXX is being inaccurately reported on my credit report by Equifax and Experian. 

Despite submitting multiple formal disputes, the account has not been removed. XXXX XXXX XXXX has admitted in writing that they do not own the debt and are only acting as a third-party collector. They failed to provide any documentation beyond a billing statement with interest, which does not meet the requirements of the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 

Under FCRA 609 ( a ) ( 1 ), I have the right to receive full documentation used in verifying this account. Under 611 ( a ), if the account can not be verified with legally sufficient evidence, it must be deleted. FDCPA 809 ( b ) also requires a collector to validate the debt, which XXXX XXXX has not done. 

Despite this, both Experian and Equifax refuse to remove the item and are only reopening disputes with no new investigation. This has caused harm to my credit profile and blocked access to credit opportunities. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and require the immediate and permanent deletion of the unverifiable account from my credit 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 2025-05-31 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: LA

Complaint narrative:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ). 1 submitted a valid FTC Identity Theft Report to Experian identifying fraudulent accounts that do not belong to me and requested that they be blocked from my credit report.

Despite this, Experian failed to block the accounts within the four-day period required by law and instead responded with a claim that the accounts were previously " verified. '' This action is unlawful. Under FCRA 605B, prior verification is irrelevant once a valid identity theft report is submitted. Experian is legally required to block such accounts upon receipt of the report, proof of identity, and identification of the disputed items.

The following documents were provided to Experian : - FTC Identity Theft Report - Government-issued ID - Proof of address - List of accounts identified as fraudulent Experian 's failure to block and remove these items within the required timeframe constitutes a violation of : - FCRA 605B ( a ) - failure to block reported identity theft items - FCRA 605B ( c ) - failure to notify and improperly re-report blocked data - FCRA 605B ( e ) - failure to notify the consumer of their actions I request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate Experian 's handling of identity theft disputes and verify their compliance with 605B.

2. Compel Experian to delete the identified accounts immediately.

3. Penalize Experian if found in violation of federal law.

4. Require Experian to provide me written documentation of all actions taken on my dispute and supporting verification documentation.

Attached are copies of my FTC Identity Theft Report, proof of identity, and communications with Experian.

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 explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I called credit karma on XX/XX/year> to inquire about a transaction that was being declined repeatedly. While going through the verification process, I gave them an old phone number of mine and they said it was incorrect. They were insistent that I must have the correct phone number to give them. Eventually, I found it, but the customer service rep told me I would have to do additional verification, by scanning the front and back of my ID as well as a selfie and sending it to them. I did this several times, and they would not accept it. This happens probably twice a year with credit karma. The customer service reps were extremely rude, sarcastic, and vindictive for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WI

Complaint narrative:
I mailed a payment of {$1000.00} in XXXX. They didn't post the check until end of XXXX. During the 2 months they added fees to my account. In XXXX & XXXX I was charged and had fees removed from my account. If they would have posted the check to my account in XXXX, I would not have incurred any fees whatsoever. I do not feel the charges for XXXX should be added to my account. I have made on time payments to the account and tried to keep it up to date. I will not pay fees for someone's inadequacies at the CC company.

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
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Me and my husband, XXXX XXXX, are joint owners on the vehicle loan. We filed for XXXX  in XXXX of XXXX. We excluded the vehicle loan from the XXXX  completely at the advise of our attorney, and continued making payments on the loan for the life of the loan. We have been on time with payments. We pulled our credit reports as we are looking to buy a house in the next year and noticed Ally Financial reported that the loan WAS included in the bankruptcy, and stopped reporting any payments in XXXX. This loan was NEVER included in the XXXX, and they have gladly continued taking my money for the past 6 years. This is a huge hit to both of our credit reports and I believe this is unfair representation from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
am a victim of identity theft. There are multiple accounts on my credit reports that I did not open or authorize, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
I have already filed a report with IdentityTheft.gov and submitted disputes directly to Experian, Equifax, and TransUnion, along with documentation including my FTC Identity Theft Report and proof of identity. 
Despite this, the fraudulent accounts remain on my reports and continue to harm my credit, causing denials, stress, and financial damage. 
I am requesting that the CFPB assist in ensuring the credit bureaus comply with the Fair Credit Reporting Act by removing these fraudulent items immediately and confirming in writing. I am also seeking acknowledgment of the damages incurred from this ongoing issue.

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 2025-06-01 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:
am a victim of identity theft. There are multiple accounts on my credit reports that I did not open or authorize, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
I have already filed a report with IdentityTheft.gov and submitted disputes directly to Experian, Equifax, and TransUnion, along with documentation including my FTC Identity Theft Report and proof of identity. 
Despite this, the fraudulent accounts remain on my reports and continue to harm my credit, causing denials, stress, and financial damage. 
I am requesting that the CFPB assist in ensuring the credit bureaus comply with the Fair Credit Reporting Act by removing these fraudulent items immediately and confirming in writing. I am also seeking acknowledgment of the damages incurred from this ongoing issue.

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 2025-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
In 2020, I paid off a collection account with XXXX XXXX ( the original creditor was XXXX ). The account was originally opened in XX/XX/year>2020 and was fully resolved shortly after. The balance has been {$0.00} since at least XX/XX/year>2020, and I have not owed anything since. Despite this, the account is still being inaccurately and inconsistently reported by the three credit bureaus : TransUnion lists the account as Paid with a Payment Status of Collection/Chargeoff as of XX/XX/year>. The comments state Paid collection, but keeping the charge-off label despite full payment is misleading and derogatory, especially after 5 years.

Experian also shows Paid but similarly lists Collection/Chargeoff with a last report date of XX/XX/year>. The comment says Account legally paid in full for less than the full balance, which is inaccurate I paid the full balance owed.

Equifax does not report any information about this account. There is no balance, no account status, no payment status, or comment, which is incomplete and violates FCRA requirements for accuracy and completeness.

This account has now been paid and inactive for over 5 years, and it continues to damage my credit unfairly. It is either being : Misrepresented ( as a chargeoff when it is not ) Inconsistently reported ( different language across bureaus ) Incompletely reported ( Equifax missing all info ) I am requesting that this account be corrected across all bureaus to reflect accurate status as Paid in Full No Derogatory Status, or preferably, removed entirely due to its outdated and harmful reporting.

Under FCRA 607 ( b ) and Metro 2 guidelines, reporting a {$0.00} balance account as Collection/Chargeoff is not accurate or reflective of the current account status. This is also potentially misleading under FCRA 602 ( a ). I request that the reporting be updated to reflect the correct payment status, or the account be removed if compliance can not be guaranteed.

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 2025-05-31 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: FL

Complaint narrative:
Company complained about : XXXX XXXX Issue : Incorrect information on credit report Account Name : XXXX XXXX Account Number ( last XXXX ) : XXXX Status Listed : Paid in settlement. {$60000.00} written off. 

What happened : XXXX XXXX is inaccurately reporting an account as Paid in settlement. {$60000.00} written off. This is false. I never settled the debt for less than what was owed. The account was paid in full. I have requested verification and correction of this inaccurate and defamatory status and have received no proof of any settlement agreement. This violates the FCRA, and I am demanding immediate removal or correction.

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 2025-05-31 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:
According to FERA SECTION 605B IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. THANK YOU

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
On my credit report it saying my car loan is {$54000.00} but on my contact it saying total of payments {$71000.00} after I get done paying car. I feel like the whole XXXX should be on my credit report. What is the hidden fees Im paying for thats not showing on my credit. What am I paying XXXX for if its not reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate and potentially fraudulent account listed on my credit report issued by Experian. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which gives consumers the right to dispute any incomplete or inaccurate information in their credit files. I dispute a fraudulent account on my Experian report. They are not mine and must be removed under the FCRA. Some of them have more than 7 years in my credit report and some others are not mine, Please investigate and delete it if unverifiable. I request an updated report. the accounts are XXXX XXXX XXXX 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 explanation