vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am a consumer working to correct and rebuild my credit. I am requesting a full reinvestigation of the accounts listed below. These items appear inaccurate, incomplete, or can not be properly verified across the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), any unverifiable or inaccurate information must be corrected or removed. 
Charged-Off Accounts XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$1100.00} Inquiries XXXXXXXX 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 2025-11-24 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: MD

Complaint narrative:
Please remove the following personal information from my credit file as they are inaccurate and no longer associated with me

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 2025-11-24 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: IL

Complaint narrative:
After reviewing my credit file, I found accounts that appear inaccurate, unauthorized, or unverifiable. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and deletion of these accounts from all consumer reporting agencies. 

Please also update my personal information to reflect my current mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America reported suspected fraud activity on my XXXX file for a checking account closed on XX/XX/year>. 

This information is incorrect. I did not commit any fraud, nor was I responsible for any fraudulent activity. The account was closed shortly after being opened, and the flag appears to be a mistake or system error. 

This inaccurate information is now preventing me from opening any bank account. 

I have contacted Bank of America to correct or remove the fraud flag, but they have refused to do so. I am requesting that the Consumer Financial Protection Bureau assist in having Bank of America remove or correct the false fraud coding so my XXXX report accurately reflects my history. 

The account is already settled in full. I simply need the incorrect fraud label removed so I can access basic banking service

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 2025-11-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-11-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 disputing the following accounts, inquiries, and late payments because they do not match my records or show inconsistencies when compared with other bureaus. 

CHARGED-OFF ACCOUNTS 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 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 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 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 2025-11-24 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: VA

Complaint narrative:
I am requesting a formal investigation into the accuracy and completeness of the accounts listed below. I am a consumer attempting to fix my credit, and I believe these items contain reporting errors, inconsistencies, or incomplete information in violation of the FCRA. Please review and correct or remove any information that can not be fully verified. 

CHARGED-OFF / NEGATIVE ACCOUNTS UNDER DISPUTE 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 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 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 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

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 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Complaint Regarding Misrepresentation and Improper Handling of Credit Limit Decrease XX/XX/year> To Whom It May Concern, I am filing this complaint regarding the handling of my Macys credit card account and the misleading information provided by multiple representatives during my recent customer service interactions. 
On my initial call, I spoke with a representative named XXXX, who informed me that the credit bureaus were responsible for lowering my credit limit. This information is incorrect and misleading, as credit bureaus do not make decisions about credit limitsonly the lender does. XXXX instructed me to contact the credit bureaus, which I later confirmed was inappropriate advice. 
During the same call, XXXX attempted to submit a credit limit increase request without my consent, which I did not authorize. Without notifying me, she then transferred my call to another representative named XXXX, who subsequently transferred me again to XXXX, also without my awareness or permission. 
Ultimately, I was told that Macys made an internal decision to decrease my credit limit based on information in my external credit report. However, I was not provided with a clear explanation of the specific factors that led to this decision, nor was I informed whether an Adverse Action Notice, which is required by law for credit decisions based on credit report information, would be issued. 
The issues I am reporting are : Misrepresentation of the credit limit decrease by stating it was done by the credit bureaus. 


Unauthorized actiona representative attempted to increase my credit limit without my consent. 


Improper call handling, including multiple transfers without informing me. 


Lack of transparency regarding the internal credit decision. 


Possible noncompliance with the requirement to provide an Adverse Action Notice when a credit decision is based on a credit report. 


I am requesting : A clear explanation of the reason for the credit limit decrease. 


Confirmation that an Adverse Action Notice has been issued or will be issued. 


A review of the conduct of the customer service representatives involved. 


Reconsideration of my credit limit, given the confusion and improper handling of the situation. 


Thank you for your attention to this matter. I look forward to a prompt and fair resolution. 
Sincerely, 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 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima failed to pick up leased merchandise after I notified them I could no longer afford the payments and needed the items retrieved immediately. I communicated multiple times, starting on XX/XX/XXXX, that the items needed to be picked up because I was being forced to vacate my apartment. Acima told me XXXX will contact you, but no one ever called. I followed up again on XX/XX/XXXX, was transferred, disconnected, and never received any arrangements for pickup. 
Because Acima did not coordinate the pickup as promised, the apartment complex discarded the items when I was forced to move out. I did not abandon the itemsI gave notice, instructions, and deadlines. Acima simply did not act. 
Despite Acimas failure, they are charging me the full value of the merchandise, claiming it is my responsibility and repeatedly attempting to debit my bank account, causing overdrafts. They also told me I could donate the items even though I had already told them I no longer had possession because they never retrieved the merchandise. On XX/XX/XXXX, I called Acima and informed them that my husband had been laid off, that I had a sudden change in financial circumstances, and that I could no longer keep up with payments. I specifically told the representative the merchandise needed to be picked up immediately because I was being forced to vacate my apartment and had no way to transport or store the items. 
The representative said XXXX would contact me to schedule the pickup. 
By XX/XX/XXXX, I still had not been contacted. I called again, was transferred, put on hold, and eventually disconnected. No one followed up. As of my move-out date, I had received XXXX communication from Acima or XXXX. 
Because Acima did not arrange the retrieval, the apartment complex eventually discarded the items when I had to leave. I did not abandon the items. I provided notice, a deadline, and multiple follow-up attempts. The failure to retrieve the property was entirely due to Acimas inaction. 
Despite this, Acima is : Attempting to charge me the full retail price of the items Claiming they are not lease-to-own but still charging full value Blaming me for not making them pick up the items Saying I can donate items I no longer have Ignoring that they never initiated pickup Continuing to attempt ACH debits even after I notified them of hardship and my return request Causing overdrafts in my bank account This appears to be unfair, deceptive, and abusive business conduct.I made every reasonable effort to return the merchandise. Acima did not fulfill their duty to arrange pickup or communicate with me at all. I dispute the validity of the charges and any negative reporting or collection attempts. I am allowed to terminate the agreement at anytime without penalty according to my lease agreement with acima which directly invalidates their statement saying they are not in fact a lease to own company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
I am a consumer working to correct and rebuild my credit. I am requesting a full reinvestigation of the accounts listed below. These items appear inaccurate, incomplete, or can not be properly verified across the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), any unverifiable or inaccurate information must be corrected or removed. 
Charged-Off Accounts 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
Would you look over this? Its late and I may have made mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am requesting Experian to conduct a full investigation into the following information being reported on my credit file. I believe these accounts and inquiries may be inaccurate or not properly verified. I am only trying to correct my credit, and I need Experian to ensure all data is fully validated and compliant with the FCRA. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened/Reported : XX/XX/year> Balance : {$1500.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account has been locked for suspected fraud for 4 weeks since XX/XX/year> till now and despite multiple calls to the fraud department, executive response team I have not received a clear resolution or an explanation of what is holding up the process. Ive been told in various occasions that I will receive a letter and its been since the day that my account was locked that I was supposed to receive the letter and I still have not received it. I urgently request : 1. A full status update on the fraud investigation.

2. Immediate release of the hold on my account ( or a detailed list of what outstanding documentation is needed from me ). 
XXXX. A * * direct point of contact * * for someone in Citis fraud management or executive team that I can follow up with. I am experiencing serious financial hardship due to lack of access to my funds and Citi banks negligences.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 2025-11-24 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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