vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since XXXX, I discovered that a XXXX XXXX account was fraudulently created under my name with Experian, and the individual responsible was able to change my personal information, including my contact details. As a result, I am unable to reset my password, as both the cell phone number and email address tied to my Social Security number are no longer mine. Since then, I have made numerous attempts to resolve the issue, including calling multiple times, only to find myself unable to reach a live representative on several occasions. I have spent hours on the phone with the company, and eventually, I was able to start a ticket number for the case. At this time, I have 3 different ticket numbers and every representative tells me this will be investigated and someone will reach out to me. No one has reached out. I also get told different things each time on how to resolve the issue. I have gotten bounced around the fraud department and membership customer service department. Both informed me about the Money Account having to be suspended before I moved forward. Finally suspended the money account but was told I needed to wait to be contacted by their dedicated team. Despite my efforts, I have not received any meaningful assistance, and the issue remains unresolved. 

This situation is severely impacting my ability to buy a home and is causing me significant financial and emotional distress. I am particularly concerned about the safety of my Social Security number and personal data, as I can not get Experian to cooperate in securing my information. They provided a link for me to upload more personal information, including my ID and Social Security number, but even that link is no longer working. 

I am requesting your urgent assistance in expediting this process and ensuring that my personal information is fully protected. 

Thank you for your time and attention to this matter.

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 2025-04-04 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account was closed, after waiting over 3 months I open a complaint here, they resolved half the issue. 

They sent me 50 % of my money that was in my account that was closed without notice from one day to the next.

When the issue started the " FRAUD '' dept stated I needed to have the company owner to verified the validation of the check from XX/XX/year>. 

After a few days, I managed to get XXXX XXXX, XXXX XXXX and XXXX XXXX, owners of Book Hotel Stays to call and verify funds and validation of the check. 

Mind you, as I stated several times, this is a family operated business. 

Owners call several times, even XXXX XXXX called 3 times in a week. 

Everytime they called once the call ended they let me know and I would call again the " FRAUD '' dept only to be told that no one had call and I needed to have them call again. 

Unfortunately, its very hard to get the owners together and have them waste time like this. 

Last time I called about 45 days ago, someone told me I needed to keep waiting.

I after 7 more months of waiting for my funds, what will be the excuse or pretext for not returning MY MONEY?

I see a clear case of FRAUD been display in my case against me. I want my {$1000.00} back.

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 2025-04-03 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The bank alerted me about some unauthorized transactions. I confirmed it wasnt me then they sent a replacement card that I never had, the carrier showed the replacement has been delivered but I have it Some more transactions overdrawn my account using the same card. The bank alerted me one more time if it was me once again I affirm it was me. The problem is they gave me a copy of that card and they concluded all overdrawn transactions were made by me and ask me to pay.

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

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-03 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, US Bank closed my account. My payroll of {$4700.00}, by the XXXX XXXX XXXX was deposited on the same day. US bank will not tell me why they are closing my account and they will not release my funds. They communicated that they mailed me a letter with an explanation but I have not received the letter. They also will not communicate when {$4700.00} will be reimbursed. Since US Bank was my only account I have no access to funds and am now XXXX sleeping outside, because I can't pay rent.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX separate AMEX accounts being reported on my credit report. Both show a {$0.00} balance and are listed as closed one reported on XX/XX/XXXX, and the other on XX/XX/XXXX. These appear to be duplicate tradelines or improperly continued reporting of an inactive account. 

I disputed these accounts through the credit bureaus and requested verification or removal. AMEX has not provided any documentation or justification for why these closed accounts especially duplicates continue to appear on my credit reports.

This is in violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( a ), 605 ( a ), and 611, which require credit reporting to be fair, accurate, and verifiable. Reporting two separate closed accounts with {$0.00} balances is misleading, duplicative, and continues to harm my credit profile unnecessarily.

I am not requesting correction I am requesting immediate deletion of both AMEX entries from all credit bureaus due to lack of verification, duplicate reporting, and continued negative impact on my credit.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, including outdated addresses. To assist in updating my records, I have attached the required documents. Please take immediate action to correct my personal details and remove any inaccurate addresses from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Experian ]. 

Details of the Dispute : 1.Incorrect Name : My current legal name is [ XXXX XXXX ] , but it is incorrectly listed as [ XXXX XXXX ] . I request that my name be updated to reflect the correct information.

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 2025-04-03 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not recognize this account on my credit report I have asked for this account to be removed and the bureaus did not do as I have asked I will provide a identity theft report that will be attached to this and I am requesting this account to be removed because it is inaccurate and not mine.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I have reviewed my XXXX credit file and identified a reporting error associated with the following account : Creditor Name : LVNV Funding LLC Original Creditor : XXXX XXXXXXXX XXXX Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Status : Collection account ( as of XX/XX/XXXX ) Comment : Account information disputed by consumer This account contains multiple inaccuracies that must be corrected or removed entirely in compliance with the Fair Credit Reporting Act ( FCRA ) : 1.Inaccurate Date Reporting : The account is listed as opened in XX/XX/XXXX, yet it already reflects collection activity and delinquent statuses in XX/XX/XXXX through XX/XX/XXXX. This timeline is suspicious and inconsistent with standard reporting and collection processes. A collection account can not legally show delinquent history from months prior to or simultaneous with its opening date. 
2.Status Update Conflict : The status is listed as updated in XX/XX/XXXX, which precedes any reported delinquency. This further raises questions about the legitimacy of this accounts reporting timeline. 
3.Balance Discrepancy : The original balance and current balance both show {$1300.00}, with 0 % paid. However, this suggests no activity or updates on the account despite it being under collection for multiple months this is highly unusual and needs clarification. 

This information is causing undue harm to my credit profile, and I am requesting that XXXX conduct a full investigation and remove or correct all inaccurate data related to this account. 

In accordance with the FCRA, please investigate this matter and provide written confirmation of the outcome of your investigation. If the furnisher of the information can not verify the accuracy, this account should be deleted from my credit report. 

Attached are screenshots of the disputed information as it appears in my XXXX report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX RentRecoverySolutions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , ga, XXXX Subject : Request for Method of Verification Dear RentRecovery Solutions, I am writing to formally request the method of verification for an item that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to know how the disputed information was verified. 

The account in question is : Creditor Name : RentRecovery Solutions Account Number : XXXX Date of Dispute : XX/XX/XXXX I previously disputed this item, and your agency verified its accuracy. However, I would like to understand the specific method used to verify this information. Please provide : XXXX. The name, address, and contact information of the entity that verified the account.

2. A description of the procedures used to determine the accuracy of the disputed item.

3. Any relevant documentation that supports the verification process.

Please respond to my request within 15 days, as required by law. If you are unable to provide proper verification, I request that this item be deleted from my credit report immediately.

Thank you for your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation