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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2000.00}

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: NC

Complaint narrative:
TRANSUNION Intermediate Holdings , Inc., and EXPERIAN Information Solutions , Inc., which are consumer reporting agencies and financial institutions. These Entities are guilty and in violation of aggravated identity theft for knowingly transferring, possessing, and/or using my non public personal means of identification, which is a violation of my privacy and a violation of the Gramm-Leach-Bliley Act.

Furthermore, while obtaining my non public personal customer information by false pretenses and without my consent, TRANSUNION and EXPERIAN went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other persons, and/or agencies without my written request or written consent. 

SEE ALL ATTACHMENTS

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I disputed a XXXX XXXX account ending in XXXX XXXXXXXX due to inaccurate reporting of payment history and XXXX information. While the dispute was active, they updated my late payment history to show additional months as XXXX I requested full verification under FCRA XXXX and XXXX, including the signed contract, full payment history, and balance validation. 
XXXX XXXX did not provide these records. Instead, they responded with partial statements and acknowledged they had no signed contract. The account also shows a balance increase and inconsistent reporting across bureaus. I also filed a XXXX  letter with TransUnion XXXX XXXX  and neither provided documentation verifying the information. 
I am now disputing this formally through the CFPB due to XXXX XXXX and the bureaus failing to validate the accuracy of what theyre reporting.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed a XXXX XXXX account ending in XXXX XXXXXXXX due to inaccurate reporting of payment history and XXXX  information. While the dispute was active, they updated my late payment history to show additional months as XXXX. I requested full verification under FCRA XXXX and XXXX, including the signed contract, full payment history, and balance validation. 
XXXX XXXX did not provide these records. Instead, they responded with partial statements and acknowledged they had no signed contract. The account also shows a balance increase and inconsistent reporting across bureaus. I also filed a XXXX letter with TransUnion XXXX XXXX and neither provided documentation verifying the information. 
I am now disputing this formally through the CFPB due to XXXX XXXX and the bureaus failing to validate the accuracy of what theyre reporting.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
ON XX/XX/XXXX and XX/XX/XXXX I had three Zelle transactions that were sent to an imposter, which Zelle claims to return back if it's an imposter. This person was pretending to be a business to fix my credit. I had sent {$150.00}, {$550.00}, and {$160.00}, and the bank is saying that I did it without any issues, however this is not the refund that Zelle promised me. I have filed a police report against this person, as well as reported their scam to the FTC.

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: FL

Complaint narrative:
Complaint Type : * * Unauthorized Hard Inquiries on Credit Report I am submitting this formal complaint against Experian for failing to remove unauthorized credit inquiries from my credit report. 

On XX/XX/XXXX, I submitted a written dispute to Experian regarding multiple inquiries that appeared on my report which I did not authorize. I did not initiate or approve these inquiries, nor have the listed companies provided signed documentation to verify their permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ).

Despite my request for immediate deletion based on Sections 604, 611, and 609 of the FCRA, these inquiries remain unresolved.

Below is the list of unauthorized hard inquiries that Experian has failed to remove : 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  These unauthorized inquiries are negatively affecting my creditworthiness. I am requesting the CFPB to investigate this matter and ensure Experian complies with federal law by removing all unverifiable and unauthorized inquiries listed above.

Please contact me with any further questions or documentation needs. 

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX XXXX involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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: Experian Information Solutions Inc.
State: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain XXXX entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I appreciate Rent Recovery Solutions reviewing my complaint ; however, I am dissatisfied with their response. This follow-up is to clarify that the companys response was incomplete and insufficient. 

Rent Recovery Solutions continues to report this debt on my XXXX XXXX without providing proper validation. Since submitting my complaint, they have only provided additional summary statements, which do not meet the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ). They have not provided : A document bearing my signature that proves I agreed to or owe this debt, A detailed breakdown with itemized receipts or supporting documentation for the charges, Proof of how they calculated the alleged fees, Or evidence that they are licensed to collect debt in the state of North Carolina. 
Despite previously stating the account would be deleted if it could not be properly verified, no deletion or correction has occurred as of XX/XX/year>. Rent Recovery Solutions continues to furnish inaccurate and unverified information to the credit bureaus in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

As a result, I am moving forward with arbitration proceedings and am formally requesting {$3000.00} in monetary XXXX for continued reporting and failure to comply with both federal and state law. 

I respectfully request that the Consumer Financial Protection Bureau keep this complaint open and continue monitoring the case until Rent Recovery Solutions either provides complete, lawful validation or fully deletes the account from all three credit reporting agencies.

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.

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX days, it must be deleted immediately from my credit file.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The process of addressing these errors has been both XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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: 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: TX

Complaint narrative:
There's an error on my report regarding a credit XXXX bank closed account for {$800.00} XXXX asked that it be removed per my FCRA rights 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The process of addressing these errors has been both XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
BSI Financial Services took over the loan from XXXX XXXX. During the process they did not complete their due diligence to verify insurance providers. Instead, they billed us {$910.00} for their private insurance and removed the money from the escrow account. Additionally, BSI Financial Services send double payments to the town for property taxes- also removed from our escrow account. BSI Financial Services has now increased our monthly escrow payments from {$310.00} to {$660.00} even though costs have not increased. Additionally, we are now at risk of lapsing our homeowners insurance with XXXX as the premium has always been paid through the escrow account.

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I ordered a " XXXXXXXX XXXX XXXX XXXX XXXX - XXXX '' on Best Buy 's website and on XX/XX/year> there was a request from the sender to have my order returned to them. I tried placing a new order, but my order was immediately cancelled. I believe my account has been flagged and I am requesting to have the flags removed. My email address associated with my Best Buy account is 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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year> I shopped at XXXX XXXX in XXXX XXXX. At checkout the salesperson asked if I wanted to join their " rewards program ''. I asked if it was free and she said yes, I just needed to provide a bit of information to enroll. 

It was not until I was waiting to tap my debit card that she said, " no this is paid for by the credit card you just enrolled in. '' In total I spent {$20.00} and would have never knowingly applied for a credit card. I thought I was enrolling in a free rewards program which would email me coupons. 

I've paid the balance and cancelled the card today, but I'm very upset that the it was represented as a " rewards program '' and I'm sure the salesperson is incentivized on how many credit card sign-ups they enroll.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$18000.00} JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7900.00} INQUIRIES : XXXXXXXX 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