vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$7300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$500.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-04-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$7300.00} Open Date XX/XX/XXXX XXXX XXXX {$500.00} Open Date XXXX XXXX, XXXX Inquiries XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
This company is contacting my work and relatives about medical debt. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account Number XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail * with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX LATE PAYMENTS REMOVE XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZE INQUIRIES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX A FRAUD ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE. I AM A XXXX OF IDENTITY THEFT AND ALSO A XXXX OF DATA BREACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 filing a formal complaint against [ Experian XXXX Equifax XXXX TransUnion ] for failing to properly handle inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I disputed several negative items on my credit report that I believe are inaccurate. The credit bureau responded through the CFPB portal stating the items were verified. However, It has been more than XXXX days since I filed my dispute, and under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ), you are legally required to notify me of the results of your reinvestigation within XXXX days. 

To date, I have not received any correspondence, written notification, or results regarding the disputes filed. 

Additionally, I have reason to believe the credit bureau did not conduct a reasonable investigation or a proper Method of Verification ( MOV ) as required under FCRA XXXX XXXX ( a ) ( XXXX ). It appears they simply confirmed the information electronically without contacting the furnishers or reviewing supporting documentation. An automated verification does not satisfy the FCRAs standard for a reasonable investigation. 

This mishandling has caused significant damage to my XXXX XXXX, affecting my ability to obtain fair credit opportunities. Because you have failed to comply with your legal obligations under the FCRA, you must immediately delete the disputed information from my credit report as a remedy for your non-compliance. 

I am requesting the CFPB assist in requiring [ Experian / Equifax XXXX TransUnion ] to : Immediately delete all disputed negative items from my credit report. 
Provide confirmation of the deletions in writing. 

Please send written confirmation of the deletions within XXXX days, or I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will explore legal remedies available to me. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
In XX/XX/year>, I discovered a fraudulent personal loan account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft or unauthorized use of my personal information. 

The fraudulent account includes : XXXX XXXX XXXX  Personal Loan {$4900.00} Opened in XXXX This account was added without my consent.

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 2025-04-28 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax is inaccurately reporting an unauthorized hard inquiry for XXXX dated XX/XX/year>. I did not authorize this inquiry, nor do I have an account relationship that would warrant this hard pull. Under 15 USC 1681b ( c ), Equifax is responsible for ensuring that all inquiries have a permissible purpose. Failure to delete an unauthorized inquiry after notice and dispute is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank Sears Mastercard statement arrived containing a XX/XX/XXXX XXXX for {$320.00} from Wayfair and a XX/XX/XXXX bill for {$210.00} from XXXX. I phoned the fraud number and they sent a replacement credit card. I wrote a letter to them stating I did not purchase anything from those companies on those dates and I with held payment for both. Citi Bank reviewed the charges and removed the XXXX bill. They sent their investigation material to me on the XXXX bill and said they would revert the charge to me. Their investigation material shows that the order was placed from a location in New York ( XXXX XXXX ). Their investigation shows the delivery of the material was made to New York ( XXXX statement ). They are saying I placed the order because my email address was used. I know my email address was used for the XXXX bill because I received multiple emails from XXXX about " my purchase ''. I deleted those emails because I thought it was a scam. I had ordered nothing from XXXX. I also ordered nothing from Wayfair. The scammer used both my email and my credit card. How can I get Citi Bank Sears Mastercard to remove the Wayfair bill? They sent me a letter threatening to report me to Credit Reporting Agencies if I do not pay this bogus bill.

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 2025-04-28 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I noticed that there were three payments reported late to the credit bureaus in XXXX  after enrolling in an offered COVID-19 Relief program. I contacted Wells Fargo about the erroneous information. Wells Fargo provided a letter stating that the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year> were reported erroneously to the credit bureaus and corrections have been submitted. The late payments have reappeared on my credit report. In investigating with XXXX  and XXXX, the bureaus are stating Wells Fargo is reporting the erroneous information as correct.

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 2025-04-28 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: Nelnet, Inc.
State: CA

Complaint narrative:
Student loan has been transferred Im disputing the loan. My private information has been given to XXXX XXXX. Im requesting the original contract I have notified Nelnet. Violations disputing the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT 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 explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I recently review a copy of my credit report and noticeTransUnion reports once again fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-28 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a counterfeit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the items high value, I was unable to thoroughly examine it upon purchase. Upon returning home, I observed several scratches on the watch. 

The following day, I had the watch appraised and returned to the store. However, the store denied my request for a refund. The store employee, XXXX, exhibited hostility towards me. I initiated a dispute with Chase Freedom Flex and provided all necessary documentation to support my claim. I returned to the store to request a refund again. During this time, XXXX attempted to sell me XXXX watches priced at {$4000.00} and subsequently {$6000.00} over the original purchase price. When I refused to pay these exorbitant prices, he became angry and hostile, refusing to offer me store credit and advising me to contact my bank. 

I contacted Chase Freedom Flex again but unfortunately, I received no assistance. I received a letter stating that I had not returned the merchandise, as they did not have the item I can't be issued a refund. According to letter they can't confirm i am due a credit if the item isn't returned. However, I have proof of my return and provided documentation. I called and spoke with XXXX on XX/XX/XXXX and he said to submit my proof of return and they will contact mastercard for my refund. XXXX from Chase Freedom Flex contacted me on XX/XX/XXXX and XX/XX/XXXX, informing me that XXXX XXXX had changed their story and received the XXXX watch from me. XXXX then stated that since I had returned the item, I would not receive a refund, contradicting the letter from Chase. 

Subsequently, I discovered that XXXX XXXX is a forfeited company. I am seeking a refund of the {$10000.00} I paid for the counterfeit merchandise, which I purchased under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/year> 2023

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 2025-04-28 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I hope this email finds you well. I am writing XXXX file a formal complaint against Ally Bank regarding their failure to unlock my spending account XXXX  closed my account. 
I opened a bank account online on XX/XX/XXXX. XXXX  deposited more than {$100.00} transferred from my XXXX bank saving XXXX my ally spending account. But a few days later, I received your email ( Figure XXXX ), saying that this chase saving XXXX not be my account, XXXX you have locked my account. I also received your letter on XX/XX/XXXX ( Figure XXXX ), saying that you restricted my account XXXX required me XXXX call you XXXX confirm, but I called you XX/XX/year>, you did not give me a chance XXXX explain the reason XXXX asked for my documents, but closed my account because of the transfer, XXXX you said you could not help me unlock my account. I had a chase bank saving bank stament XXXX prove that this is my savings, not someone else 's. Please see Figure XXXX I have set up your account XXXX receive my salary, but you closed my account, causing me XXXX be unable to receive my salary in time. 
I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint XXXX take appropriate action against Ally Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention XXXX this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate XXXX contact me if you require any additional information or documentation.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Scammers have repeatedly applied for payday loans in my name using my old address and accessing my credit report without my permission. They are also using my email address in these fraudulent applications. ''

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