vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Snap Recovery, Inc.
State: NY

Complaint narrative:
First of all, I am not entitle to this debt, and not have any responsibility to this debt. XXXX XXXX start to text me on XXXX XXXX, 2025, XXXX XXXX  2025, and XXXX XXXX2025 with repeat message seem like scam. According to XXXX XXXX, they are trying to collecting the debt for XXXX XXXX XXXX XXXX. regarding claim # XXXX. the amount of XXXX XXXX.Then XXXX XXXX start to frequently calling me on XXXX XXXX XXXX XXXX, and XXXX XXXX,2025, harass, oppress, and threat me to pay for the debt, if not my credit will be damaged.

On XXXX XXXX, 2025, XXXX XXXX email me an PDF invoice, and as return, I reply back with written. As my response, I told XXXX XXXX that I do not have any responsibility for the debt, and will not pay for it. However, as of XXXX XXXX, 2025 : I find out thru XXXX, XXXX XXXX have open up this collection on my credit report on XXXX XXXX,2025 with amount of {$2000.00}.

On XXXX XXXX, 2025, I email XXXX XXXX  again to reverify this debt and to dispute it. Because the information they reporting on my credit report are wrong and inaccurate. But, I have not receive any response yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Todays Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Unauthorized Hard Inquiry Dispute Dear TransUnion, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report under my name. I recently obtained a copy of my credit report and noticed an inquiry from XXXX XXXX XXXX that I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), a company must have my written authorization before pulling a hard inquiry on my credit. I am requesting that this inquiry be removed from my credit report immediately, as it was not authorized by me. 

Please investigate this matter and provide written confirmation that the inquiry has been removed. Enclosed are copies of my government-issued ID and a recent utility bill to verify my identity and address. 

If you find that the inquiry was made without proper authorization, I expect it to be deleted promptly. Please notify me in writing of the results of your investigation at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-17 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally proected consumer rights to privacy and XXXX XXXX XXXX XXXX? confidentiality under 15 USC 1681. The accounts below violated my nights. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX section 602A States I have the right to privacy. More than XXXX languages XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a acsount wthout my written instructions. 15 U.S.C 1681c. ( aj ) ( 5 ) Secion States : no consumer reporting agency may make any consumer report containing any of the folowing items of information Any other adverse item ot information, other than re cords af convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( AXa ) A person shall not turnish any information relating to a consumer to any consuther reporting agency if the person knows or has reasonabla cause to believe that the information is inaccurate. 

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 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 2025-05-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Payment Reporting Request for Immediate Correction To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, concerning inaccurate information that has been reported on my credit file. After reviewing my credit reports, I noticed multiple incorrect late payment entries that do not reflect my actual payment history.

I am requesting that the following inaccuracies be investigated and corrected immediately : 1. XXXX ( Opened XX/XX/XXXX | Limit : {$3500.00} ) Late payment incorrectly reported for XX/XX/XXXX I made every payment on time ; this is a reporting error. 
2. XXXXXXXX XXXX ( Opened XX/XX/XXXX | Limit : {$15000.00} ) Late payments incorrectly reported for XXXX and XX/XX/XXXX My account history confirms consistent, timely payments with no delinquencies. 
3. XXXX ( Loan, Opened XX/XX/XXXX | Highest Balance : {$100.00} ) Late payments reported for XXXX and XX/XX/XXXX These are inaccurate ; all payments were made on or before the due dates. 
4. XXXX ( Credit limit : {$350.00} ) Multiple inaccurate late payments reported in XXXX and early XXXX I have never missed a payment and demand this data be corrected to show 100 % on-time payment history. 

This false reporting is a violation of 15 U.S.C. 1681e ( b ), which requires that only accurate and verified information be reported. Continued reporting of these inaccuracies is not only negligentits damaging.

I am invoking my rights under 15 U.S.C. 1681i ( a ) to request an immediate reinvestigation. If these errors are not corrected within the time required by law, I will pursue action under 15 U.S.C. 1681n, which allows me to seek damages for willful noncomplianceincluding actual damages, punitive damages, attorney fees, and court costs.

These incorrect reports are affecting my access to housing, employment opportunities, and financial stability. If not corrected promptly, I am prepared to take legal action for the emotional and economic harm caused.

I request you update your records and confirm in writing that the derogatory marks have been removed and each of the accounts above now reflects a 100 % on-time payment history. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Driver License # : XXXX XXXX Without Prejudice

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 2025-05-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Payment Reporting Request for Immediate Correction To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, concerning inaccurate information that has been reported on my credit file. After reviewing my credit reports, I noticed multiple incorrect late payment entries that do not reflect my actual payment history.

I am requesting that the following inaccuracies be investigated and corrected immediately : 1. XXXX ( Opened XX/XX/XXXX | Limit : {$3500.00} ) Late payment incorrectly reported for XX/XX/XXXX I made every payment on time ; this is a reporting error. 
2. XXXXXXXX XXXX ( Opened XX/XX/XXXX | Limit : {$15000.00} ) Late payments incorrectly reported for XXXX and XX/XX/XXXX My account history confirms consistent, timely payments with no delinquencies. 
3. XXXX ( Loan, Opened XX/XX/XXXX | Highest Balance : {$100.00} ) Late payments reported for XXXX and XX/XX/XXXX These are inaccurate ; all payments were made on or before the due dates. 
4. XXXX ( Credit limit : {$350.00} ) Multiple inaccurate late payments reported in XXXX and early XXXX I have never missed a payment and demand this data be corrected to show 100 % on-time payment history. 

This false reporting is a violation of 15 U.S.C. 1681e ( b ), which requires that only accurate and verified information be reported. Continued reporting of these inaccuracies is not only negligentits damaging.

I am invoking my rights under 15 U.S.C. 1681i ( a ) to request an immediate reinvestigation. If these errors are not corrected within the time required by law, I will pursue action under 15 U.S.C. 1681n, which allows me to seek damages for willful noncomplianceincluding actual damages, punitive damages, attorney fees, and court costs.

These incorrect reports are affecting my access to housing, employment opportunities, and financial stability. If not corrected promptly, I am prepared to take legal action for the emotional and economic harm caused.

I request you update your records and confirm in writing that the derogatory marks have been removed and each of the accounts above now reflects a 100 % on-time payment history. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Driver License # : XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, aka XXXX XXXX. I have a credit card account with Macy 's American Express, and I am a platinum member, which means I make many purchases throughout the year and earn some perks. 

Of the many purchases I made, there were two specific purchases which I disputed which have not been resolved. I will detail the two purchases below : The first is a dispute for {$80.00} ; purchase made on XXXX XXXX, 2025, totaled {$130.00}. 
The second dispute for {$100.00}, purchase made on XX/XX/scrub>, 2025, totaled {$110.00}. 

What I purchased was very expensive makeup by a designer called XXXX XXXX, who make overpriced lipsticks, which come undone, and you end up with a lipstick cap but no lipstick! I told this to Macy 's when I disputed these charges, and their response was, return the lipstick! And refused to credit my account. 

First of all, there is NO lipstick! I do not know if they deliberately do not read disputes or fail to understand them. When the lipsticks came apart, all I was left with was the decorative caps. And further, I confirmed with the staff at my local Macy 's store in XXXX XXXX, California, that even IF I had been able to salvage the lipstick, they do NOT accept used lipsticks for return.

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 2025-05-17 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to formally dispute the presence of certain accounts on my credit report that have violated my federally protected consumer rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681.

The accounts listed below have infringed upon the following provisions : 15 U.S.C. 1681 Section 602 ( a ) Establishes that every consumer has a right to privacy and the confidentiality of their personal and credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) States that a consumer reporting agency may not furnish a consumer report without the consumers written instruction or authorization. 15 U.S.C. 1681c ( a ) ( 5 ) Specifies that no consumer reporting agency may include in a report any adverse information, other than records of criminal convictions, that predates the report b
y more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Based on these provisions, I am requesting the immediate deletion of the following unauthorized and/or outdated inquiries : Delete the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-17 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:
On XX/XX/XXXX I checked my Experian credit report I found Accounts that were medical. Treatments They dhould not be included in a credit report please remove the following accounts. 
Account info XXXX XXXX Account number XXXX Account type credit card Date opened XX/XX/XXXX Status Closed XXXX update XX/XX/XXXX Balance {$13000.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Closed XXXX updated XX/XX/XXXX Balance {$11000.00} Account info XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Closed Status update XXXX XXXX Balance {$13000.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Closed Status update XXXX XXXX Balance {$7000.00} Account name XXXX XXXX  XXXX XXXX account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off Status update XXXX XXXX Balance {$9500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-17 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: TX

Complaint narrative:
XXXX-wrote letter to credit card company customer service notifying them of fraudulent charges, requested removal of charges and account closure. 
XXXXphoned customer service department requesting help with resolving this matter. Customer service representative refused to assist me without a PIN number for the account - which I did not have - even though I had every other kind of account identification information associated with this account. Wrote letter again requesting removal of fraudulent charges, late fees, interest fees and account closure. 
XXXXthird letter written to credit card company requesting cancellation of fraudulent charges, late fees, interest charges and account closure.

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 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
RE : Personal loan # XXXX By way of background, when reaching out to the business in regards to a hardship payment plan, the business lowered the monthly payment for a short period of one year, and extended a year to the life of the loan, without any further assistance. Even when a payment is less than 30 days past due, a daily harassing phone call from " XXXX '' at the business reminds you of a past due payment, I believe the " reminder '' emails are more than enough! 

Going forward, you may cease and desist the " daily reminder '' phone calls of the less than 30 day past due status. I am sure " most '' customers know when the payment is past due. 

This complaint has been simultaneously filed with the CFPB and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AR

Complaint narrative:
They are reporting information that on my credit report without a proper investigation.My credit report has a freeze on it

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 2025-05-17 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: LA

Complaint narrative:
I am submitting this formal complaint against TransUnion, Experian, and Equifax for reporting inaccurate late payment history on my XXXX XXXX XXXX XXXX account, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account in Dispute : Creditor : XXXX XXXX XXXX XXXX Account Type : Auto Loan Account Status : Marked with 60-day lates Discrepancies : TransUnion : Reports the account as Late 60 Days as of XX/XX/XXXX Experian : Also lists Late 60 Days but with a different last reported date XX/XX/XXXX Equifax : Reports Late 60 Days as of XX/XX/XXXX These inconsistencies across credit bureaus are a clear violation of 15 U.S. Code 1681e ( b ), which requires the bureaus to maintain procedures to ensure maximum possible accuracy of consumer information. 

Legal Violations : 15 U.S.C. 1681e ( b ) : The information being reported is inconsistent and can not be considered accurate when three different bureaus show different late dates.

15 U.S.C. 1681i ( a ) : I have previously disputed this account, but none of the bureaus have deleted or corrected it. No supporting documentation from XXXX XXXX XXXX XXXX has been provided. 

15 U.S.C. 1692e : To the extent that any late information was supplied by a third-party servicer, the failure to validate the debt before reporting late payments constitutes misleading representation. 

Reason for Removal Request : No late payment occurred I was in active communication with XXXX XXXX and had made timely payments or arrangements during the period in question. 

Deceptive inconsistency The same account can not be late on three different dates across different bureaus. 

Improper investigation Despite my prior disputes, no documentation was provided by XXXX XXXX to support the derogatory reporting, which is required under federal law. 

Reputational and financial damage The inaccurate data has caused credit denials and higher loan interest rates.

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