vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I am disputing multiple inaccurate and/or fraudulent accounts on my credit report, including those from : XXXXXXXX XXXX XXXX Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX, XXXX ) XXXX XXXX ( Account ending in XXXX ) These accounts have been reported inaccurately and were never properly verified. Despite multiple disputes, the credit bureaus continue to mark them as verified without providing any documents, contracts, or signed agreements. This violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires a reasonable investigation and verifiable proof. 

I have requested written validation, not just automated updates from the creditor. If no documentation exists, the accounts must be deleted per FCRA guidelines.

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 2025-05-02 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: NY

Complaint narrative:
I am disputing multiple inaccurate and/or fraudulent accounts on my credit report, including those from : XXXXXXXX XXXX XXXX Account ending in XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX, XXXX ) XXXX XXXX ( Account ending in XXXX ) These accounts have been reported inaccurately and were never properly verified. Despite multiple disputes, the credit bureaus continue to mark them as verified without providing any documents, contracts, or signed agreements. This violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires a reasonable investigation and verifiable proof. 

I have requested written validation, not just automated updates from the creditor. If no documentation exists, the accounts must be deleted per FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX ( Prior Cfpb Complaint ) XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Follow-Up Complaint Experians Willful Noncompliance with FCRA and XXXX to Conduct Reasonable Investigation Original Complaint Date : XX/XX/XXXX | Experian Response Received Account Numbers : XXXX, XXXX To Whom It May Concern, I am submitting this follow-up complaint to report that Experian has failed to conduct a reasonable re investigation in response to my initial dispute filed via the CFPB on XX/XX/XXXX XXXX 

Experians response claims that it " contacted the data furnisher ( XXXX ) '' and received confirmation that the information was accurate. This does not satisfy the requirements under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, which requires a reasonable and independent reinvestigation of disputed information not merely parroting the data furnishers position. 

I clearly provided that the late payments reported on : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX through XX/XX/XXXX ) are false, unsupported, and harmful to my credit profile. Experian has not provided any documentation or evidence verifying these entries. Simply stating that the furnisher verified the information is not sufficient and shows a lack of due diligence. 

Violations Cited : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation. 

15 U.S.C. 1666 ( b ) Prohibits misreporting billing disputes. 

Willful noncompliance under 15 U.S.C. 1681n, subjecting Experian to damages.

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 2025-05-03 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX First National Bank of Omaha XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Account Ending in XXXX Unauthorized Charges and Request for Deletion of Delinquency To Whom It May Concern : I am writing concerning the business credit card account referenced above. On [ XX/XX/XXXX ], my card was stolen and used without my authorization. I reported the theft to your fraud department on [ XX/XX/XXXX ], and contemporaneously notified the major credit bureaus of the incident and the related data breach. 
Despite my timely reporting, a delinquency was reported on my credit history for XXXX that I did not incur and for which I can not be held liable under applicable federal law. Pursuant to the Fair Credit Reporting Act, 15U.S.C. 1681 etseq., and in particular the requirements for accuracy and dispute resolution, I formally dispute any and all entries of nonpayment or delinquency arising from these unauthorized charges.

Further, under the GrammLeachBliley Act, 15U.S.C. 6802, financial institutions are required to protect and limit the use and disclosure of nonpublic personal information. My repeated reports of theft and breach should have triggered safeguards that would prevent erroneous or damaging credit reporting.

Accordingly, I request that you : Remove any and all records of delinquency or late payment related to these unauthorized charges from my account and from any credit reporting agencies to which you have furnished such information.

Confirm in writing to me, within 30 days of your receipt of this letter, that all derogatory entries have been deleted and that my account reflects a XXXX balance for unauthorized charges. 


Provide me with a copy of your investigation findings and any policies or procedures you applied in handling this theft report in accordance with the Federal Trade Commissions regulations. 


Please be advised that I intend to enforce my rights under all applicable statutes, including the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act ( if applicable ), the GrammLeachBliley Act ( 15U.S.C. 6802 ), and any relevant state consumer protection laws, to ensure that my creditworthiness is not further harmed by this incident. 
Thank you for your prompt attention to this matter. I look forward to receiving your written confirmation that the unauthorized debt has been removed and that my credit history has been restored to its accurate status. 
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 2025-05-02 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: KY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Summary : Based on terms of promotion ( please see attached ), I should have received a {$750.00} bonus by XX/XX/XXXXXXXX 

XX/XX/XXXX : I applied for Citibusiness Streamlined Checking and XXXX accounts at the branch located at the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX assisted me with the applications. 

XX/XX/XXXX : XXXX kindly contacted me to inform that the accounts were opened. During my branch visit, she provided me the terms for the tiered promotion ( please see attached ). 

XX/XX/XXXX : $ XXXX deposit level reached. 

XX/XX/XXXX : $ XXXX holding period requirement met. 

Promotion terms state : " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 30 days from the end of the month in which you complete all Citi Checking Offer requirements. '' Based on these terms, the bonus should have been credited by XX/XX/XXXX at the latest.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of a scam where someone impersonated XXXX support and convinced me to transfer {$990.00} out of my account. I was trying to regain access to my XXXX account and called what I believed was XXXX customer service from a XXXX search. 

The scammer guided me to move money from my bank to XXXX XXXX, and then to what they claimed was a " XXXX debit card, '' which turned out to be fraudulent. After realizing I had been scammed, I filed a police report, and I will upload a copy as soon as it becomes available. 

I contacted my bank and asked for help recovering the funds, but they refused to assist or file a dispute, even though I was deceived under fraudulent circumstances. 

I am requesting the bank reopen my case and assist with reimbursement or recovery. I will provide documentation from law enforcement as soon as I receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
I used the Wise app to try and send XXXX usd to a XXXXXXXX XXXX account. It was canceled on the XXXXXXXX XXXX account because they dont accept transfer over a certain limit. Wise said they would refund me between XXXX working days. It has been XXXX working days and I have still not received my refund. I need my refund now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX BANK were opened under my name without my consent. XXXX XXXX opened XX/XX/XXXX reporting a balance of {$1300.00}. XX/XX/XXXXXXXX opened XX/XX/XXXX reporting a balance of {$200.00}. XXXX XX/XX/XXXX opened XXXX XXXX reporting a balance of {$10000.00} on all 3 bureaus. The address that's associated with the accounts is not linked with me but is still showing on my credit report like if it is. The address XXXX XXXXXX/XX/XXXX, XXXX, FL 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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate XXXX  unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX  investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX misleading 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 2025-05-02 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: MI

Complaint narrative:
You have reported inaccurate XXXX  unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX  investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: DE

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 2025-05-02 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: MI

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Tax Recovery, LLC
State: CA

Complaint narrative:
Was sent a delinquent tax bill for XXXX for XXXX XXXX XXXX XXXX Pennsylvania ) XXXX I did not live in the state from XXXX. This company then put the burden of proof on me to somehow prove that I didnt live somewhere. I spent weeks-months hunting down proof for them while they actively changed their standards for what they accepted. I gave them tax documents - drivers licenses- rental leases - W2s and they had accepted some of them before they started to ignore my emails and refused to communicate with me. 

The address they have is my mothers home since XXXX - she lived there the entire time I did not and never received any letters from Statewide- they claimed to have sent over XXXX which is absolutely not true. They harassed me with phone calls and continued to send letters while things were supposed to be on hold. And then eventually refusing to communicate. 

I have spoke with the school and paid the school for every single year I lived in the state. Statewide still attempted to send me a bill for XXXX after I had paid the school directly. And now ( XX/XX/XXXX ) I received a bill ( not dated ) for everything that was alleged to be exonerated after the mountains of proof I provided through months of harassment.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 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: TX

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 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 2025-05-02 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: MI

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 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 2025-05-02 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: MI

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 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 2025-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit inquiry for application for XXXX XXXX credit card on my credit report, that I did not apply for or initiate. Check was conducted on XX/XX/2025, and credit report was provided to 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