vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
The information on my credit report from XXXX is a charge-off that should have fell off my XXXX credit report. Last Payment was on XXXX XXXX, XXXX. As of today. Its showing as closed with a charge off. Instead, the creditor is trying to keep this on my account for another 3 years as closed recently. How could the account be closed XX/XX/XXXX when my last Date of XXXX XXXX XX/XX/XXXX, and was charged off. 
Comments and Contact CHARGED OFF ACCOUNT This is a violation of the FCRA and my rights as a consumer with unfair practices. 

My credit report in XXXX reads : CLOSED Account Status Closed accounts stay on your credit report for up to XXXX  years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to XXXX  years from the date of first delinquency. 

Details Payments XXXX  Month History Overview Account XXXX XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type AUTO_LEASE Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency MONTHLY Term Duration 39 MONTHS Purchased From - Sold To - Balance and Amounts Balance {$7900.00} Credit Limit - High Credit - Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT INVOLUNTARY REPOSSESSION AUTO LEASE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I went through my credit profile I seen inquiries that do not belong to 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I made an online purchase of male enhancement pills to help me regain strength. I received that order, but never received a receipt from that company XXXX. I made the purchase through my citicard that ended in XXXX. Citicard offered me a rewards card to replace the XXXX card in XX/XX/XXXX which I accepted. That card number ended in XXXX. I never received a statement from CitiCard showing that anything was was purchased or transferred. I had selected autopay for that card to be withdrawn from my XXXX XXXX XXXX account, here in XXXX In mid XX/XX/XXXX as I checked my account with my XXXX XXXX XXXX, I saw that over {$300.00} had been withdrawn from that account. The fraudulent charge of {$290.00} from XXXX was transferred from the old XXXX card without my knowledge. I contacted CitiCard to find out why they withdrew that money without my knowledge. At that time they sent me a statement that showed the fraudulent charge was transferred from my account.. I also learned at that time, that Citicard was preparing to withdraw another fraudulent charge of {$270.00} from my XXXX XXXX XXXX account in XXXX of XXXX. I told them that it was fraudulent and they removed it from my statement after a couple weeks. I cancelled that card ending in XXXX and received a new one ending in XXXX. I submitted written information and called their fraud division numerous times and spoke with many people, only to find out that they did nothing to recover my {$290.00} They mistakenly reduced the {$290.00} to {$260.00}, but said that they would do nothing to recover my loss because I did not have a receipt. XXXX did not send a receipt. 
After filing a complaint with BBB, only to find out that numerous people had fallen victim to that same company and that BBB could do nothing because that company was not a member. 
When I received my card from Citicard, their published information stated that they safeguarded cardholders from fraudulent charges, but they failed to do that, even though numerous complaints had been filed against that company. They passed the charge through and should have some verification of that charge, although the asked me for a receipt that was never sent to 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 monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( C
ivil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 non-monetary relief
Consumer complaint received 2025-04-02 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: I.C. System, Inc.
State: IN

Complaint narrative:
Someone fraudulently used my personal information to open accounts in my name without my knowledge or permission.

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 2025-04-02 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: Self Financial Inc.
State: IN

Complaint narrative:
Someone fraudulently used my personal information to open accounts in my name without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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 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 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I sent them a letter in wring over 3 months ago with XXXX reply from them of this account ownership paymenst everthing and they dont reply, i disputed on XXXX XXXX XXXX XXXX XXXX and within 5 days they woudnt remove with again no proff of anything no lettere cno corresponce at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of All Accounts and Inquiries & Written Confirmation To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of all accounts, inquiries, and negative items from my credit report in accordance with my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Due to an ongoing lawsuit and violations related to the reporting of these accounts, I am demanding that you remove all reported items associated with my credit profile within five ( 5 ) days of receiving this notice.

Additionally, I require written confirmation that all deletions have been completed. If this request is not met within the specified timeframe, I will take further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Pursuing civil litigation for damages resulting from your non-compliance Failure to act promptly will result in immediate escalation. Please provide written confirmation of the deletions to the address above or via email at XXXX within the required timeframe. 

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence.

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my Experian credit report regarding a XXXX XXXX account. The disbursement dates for this account are incorrect. My initial dispute began on XX/XX/XXXX, and it is now XX/XX/XXXX, well beyond the required 30-day investigation period. Despite this, Experian has not corrected the error, and the account remains inaccurately reported. 

Additionally, XXXX and XXXX have already deleted this account due to inaccuracies, but Experian continues to report the erroneous information. 

During the dispute process, Experian blocked me from uploading documents to support my case, which prevented me from submitting critical evidence related to the XXXX XXXX account. This made it difficult for me to present supporting documentation for my dispute. 

I also have several open CFPB cases regarding this issue, with the following case report numbers : XXXX XXXX XXXX XXXX XXXX The issue has not been resolved, and I am requesting that Experian remove this inaccurate account from my report. 

Actions Taken : I began the dispute on XX/XX/XXXX, and it is now well over 30 days with no resolution. 
I have disputed the account multiple times with Experian. 
I have submitted documents to XXXX and XXXX, resulting in the deletion of the account from both of these bureaus. 
I have opened multiple CFPB cases for further investigation. 

Additional reports with incorrect balance : XXXX ( has sold account to collections and would not confirm with me who the collections were ) received letter from a two collections companies. Inaccurate report for XXXX XXXX XXXX inaccurate name and account number

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 2025-04-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( ACCT # 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 2025-04-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( ACCT # XXXX )

Company response to consumer: Closed with non-monetary relief