vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Multiple fraudulent transactions occurred, taking my card well above limit. XXXX  XXXX did not block or verify these charges. I decided to close my account and paid off the balance completely in the same day in XX/XX/year>. Months later my credit report shows 2 missed payments for XXXX and XX/XX/year>. My credit has plummeted XXXX points

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 2025-07-19 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: CA

Complaint narrative:
I do not have an account with this company. It is incorrect and therefore must be deleted according to FCRA 623 ( b ) ( 1 ) Please Remove the following Hard Inquires. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX  XX/XX/year> 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 2025-07-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. My information was apart of the Equifax data breach, and also the XXXX XXXX data breach. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX Account # XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am a victim of identity theft. My information was apart of the Equifax data breach, and also the XXXX XXXX data breach. I submitted a valid FTC Identity Theft Report, government-issued ID, and proof of address to [ Experian/Equifax/TransUnion ] in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I specifically requested that fraudulent accounts be blocked and permanently removed. XXXX  Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX Account # XXXX Despite receiving all legally required documentation, the credit bureau failed to comply with federal law and instead marked the accounts as " verified '' and continues reporting them on my credit file. This violates my rights under the Fair Credit Reporting Act. I am requesting that [ Experian/Equifax/TransUnion ] immediately block and delete all identity theft-related information as required by law, and send written confirmation along with corrected credit reports.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-18 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: TN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/2025 ] [ XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/2025 ] [ XXXX XXXX ] [ XX/XX/2025 ]

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 2025-07-19 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: NV

Complaint narrative:
Experian Transunion XXXX EQIFAX ARE ALL REFUSING TO GIVE ME ANY INFORMATION ON HOW THEY DID AN INVESTIGATION OR EVEN WHO THEY HAVE REACHED OUT TO TO VERIFY ACCOUNTS. THESE REQUEST HAVE BEEN MADE VIA PHONE CALLS LETTERS AND DISPUTES. THEY HAVE RECEIVED THEE FTC REPORT AND WILL STILL NOT DO ANYTHING

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 2025-07-19 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with. Their business address, name, and phone number as well as documentation that proves this account was late, if you provide me with this information in 15 days update the account to PAID/NEVER LATE and send me a copy of my updated credit report. Correct the date of ( 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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX XXXXXXXX representing Bank of America in a debt collection case ( Cause No. XXXX ) filed in XXXX XXXX XXXXXXXX XXXX XXXX 

On multiple occasions, I submitted written requests for debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). My letter dated XX/XX/year>, specifically requested : A copy of the original signed contract, A complete chain of title reflecting all assignments or transfers, A full itemized accounting of the debt, and Proof that the firm is licensed and authorized to collect debt in XXXX. 

In response, the only documentation I received were generic billing statements. Despite their failure to provide proper validation, the firm continued its collection efforts and pursued enforcement of a default judgment that was obtained through a materially false Return of Service. 

The process server claimed to have personally served me, describing an individual who does not match my appearance. In reality, I was not home, and the legal documents were handed to my son without any authorization or court-approved alternative service. This raises serious concerns regarding due process and misrepresentation to the court. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX referencing the default judgment. I immediately responded by phone and by certified mail. I reasserted my dispute on XX/XX/year>, and provided a court-stamped copy of my Answer, filed on XX/XX/XXXX, XXXX within the required XXXX response period. I also spoke to an account XXXX, XXXX XXXX XXXX, on XX/XX/year>. He confirmed he could not locate my Answer in their system and requested that I email it directly to their office at XXXX, which I did under account number XXXX XXXXXXXX. 

Despite having received proof that I answered the lawsuit on time, XXXX XXXX XXXX did not withdraw their request for default judgment. Instead, on XX/XX/year>, I received another letter from their office. However, once again, the only documentation enclosed were credit card billing statementsnot the required legal documents to substantiate or validate the debt. 

XXXX XXXX XXXX actions constitute violations of the FDCPA by attempting to collect a debt that remains unvalidated and by submitting materially false service information to the court. I am requesting that the CFPB investigate this matter and take appropriate enforcement action. I also request that this account be withdrawn and permanently removed from my credit report due to the improper collection and legal practices involved.

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 2025-07-19 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 assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-19 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-19 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX ACCOUNT NUMBER : XXXX OPEN DATE XX/XX/XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX OPEN DATE XX/XX/XXXX XXXX ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX ACCOUNT NUMBER : XXXX OPEN ACCOUNT : XX/XX/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 2025-07-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is for JC Penney credit card. Dispute id : XXXX. Date of transaction : XXXX. Date I tried to repeatedly get this resolved : XXXX. Dispute date : XX/XX/year> because the credit card wouldn't let me dispute this earlier. I had an online order immediately after placing it because I realized the address the wrong. It was within the merchant 's XXXX minute cancellation window. I emailed them because instead of a cancellation confirmation it showed me that the order didn't exist. I also chatted with a customer representative who confirmed that the order did not exist and I should contact them again if the order showed up within XXXX hours. I had initiated the chat within the XXXX minutes window. When I contacted them again after the order showed up a few hours later, still within XXXX hours, they said there's nothing they can do because it was a technical glitch and now that it was outside the XXXX minute window I need to return the order for a refund. I explained that the address was wrong, so I couldn't receive or return it, but they insisted saying I should ask XXXX to not deliver it, but that was not an option, XXXX showed that I could only request a return after their first delivery attempt. I checked the XXXX website and it said intercept 's can only be done by the sender. I explained to XXXX chat but they refused to help. 
I can share chat transcript saying order doesn't exist after I cancelled it. I had cancelled this because I realized the address the wrong, within the merchant 's XXXX minute cancellation window. I emailed them because instead of a cancellation confirmation it showed me that the order didn't exist, so I wanted to confirm. I can share the email with you. I also chatted with a customer representative who confirmed that the order did not exist and I should contact them again if the order showed up within XXXX hours. I had initiated the chat within the XXXX minutes window. This is violation of their cancellation policy. Also, the address for the credit card was wrong, so the order should not have gone through in the first place. 
I opened a credit card dispute but they denied it without giving any reason saying why I should pay for this fraudulent charge.

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 2025-07-19 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: MI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX  Account Number : 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 2025-07-19 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: CO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX, DEPT OF EDU ( ALL DATES LISTED ), AND US DEPT OF EDU ( ALL DATES LISTED ). PER FCRA 1681 C-2 YOU ARE REQUIRED TO BLOCK THE FRADULENT INFORMATION WITHIN 4 BUSINESS DAYS. THESE ACCOUNTS ARE BEING REPORTED INACCURATELY AND WITHOUT PROPER VALIDATION. I AM REQUESTING THAT THESE ACCOUNTS TO BE REMOVED IMMEDIATELY UNDER THE FEDERAL LAWS : UNDER 15 USC 1692 YOU ARE REQUIRED TO VALIDATE ANY DEBT BEING REPORTED OR COLLECTED.UNTIL SUCH VALIDATION IS PROVIDED YOU ARE REQUIRED TO CEASE REPORTING THIS DEBT. PLEASE INVESTIGATE AND DELETE THESE ACCOUNTS FROM MY CREDIT REPORTWITHIN 4 BUSINESS DAYS, I WILL ESCALATE THIS COMPLAINT TO THE CONSUMER FINANCIAL BUREAU, AND STATE ATTORNEY GENERAL.

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 2025-07-19 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-07-18 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account with the last XXXX digits of the account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

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