vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize. 

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation.

Filed an FTC complaint ( attached ) regarding these suspicious accounts.

Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint XXXX XXXX Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts. 
Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B. 
Written confirmation once this dispute has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I noticed a debt collection put on a my credit report in the amount of {$1700.00} from a XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX I sent certified letters to all XXXX credit bureaus and to XXXX XXXX XXXX disputing the debt for I have never visited the so called debtor of " XXXX XXXX ''. Never heard of them and never got a bill. I got responses back from XXXX of the bureaus saying they were mine which I do not see how. So, I sent a validation of debt letter to XXXX. What they sent me was a joke. I have gone back and forth between them for weeks. The last letter I sent them I stated they had XXXX weeks to send me a itemized bill from this so called medical debtor showing where I owe them and here it is about a month later and I have not heard from there. There are over XXXX reviews on this medical debtor who has done this same exact scam on others. I will be more than happy to provide all the paperwork necessary that has gone back and forth between us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am disputing inaccurate information reported by TransUnion on my credit report for XXXX  XXXX, account number XXXX. TransUnion is listing a late payment that does not reflect my actual payment history and may be the result of an error or unauthorized reporting. The Fair Credit Reporting Act requires credit bureaus to report only accurate and verifiable information and to investigate consumer disputes promptly. This erroneous information has severely impacted my credit, business, and housing access. Under 15 U.S.C. 1681a ( 4 ), I have the right to control information in my report, and reporting without my consent violates 15 U.S.C. 1681b ( 2 ) and 1681c-2. Failure to correct this error is willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing TransUnion to statutory damages up to {$1000.00} per violation. I request immediate action to investigate and fix this inaccurate entry.

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 2025-05-15 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 non-monetary relief
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
XX/XX/XXXX I reported 4 unauthorized charges on our Citi bank credit card account. This was 4 hours after the fraudulent charges were made. It was a case of Identity theft. The charges were still pending. The amount of these charges came to {$17000.00}. They said they would take care of them. However, nothing was done on their part. 
I filed a report with the XXXX XXXX police department, the XXXX credit bureaus, XXXX, Identity Theft, and States Attorney Office. I also contacted all XXXX places of business of the purchases. 
XX/XX/XXXX was notified by Citi bank that the dispute was closed and we are responsible for the charges as we provided your account number for the transactions. In no way did I provide my credit card information to the XXXX businesses-they were unauthorized transactions. 
Citi Bank policy stars when unauthorized transactions on your Citi consumer debt or credit cards are promptly reported, you wont be held responsible for those purchases.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, Credit Karma acknowledged that I was not approved for a credit card that they were so confident I would be approved for, that it came with a {$50.00} " Karma Guarantee ''. I was issued a {$50.00} prepaid XXXX virtual gift card. However, almost immediately, and for incorrect reasons, my access to this card was removed by the issuer. I contacted the issuer ( InComm Solutions ) whom requested MULTIPLE identifying documents just to be told that I needed to contact Credit Karma for a re issue. Just getting to this point took almost XXXX XXXX Just this week, Credit Karma told me that " no, I needed to contact the issuer ''. And now I am not receiving any correspondence or solutions from either party.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize. 

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation. 
Filed an FTC complaint ( attached ) regarding these suspicious accounts. 
Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint XXXX XXXX XXXX XXXX  ( XXXX  ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts. 
Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B. 
Written confirmation once this dispute has been resolved. 

Sincerely, 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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
On Monday XXXX the XXXX my Robinhood account was restricted. After successfully submitting the requested documents on XX/XX/XXXX I received a email asking me to send the same documents again through the application. I tried to submit them but was only able to submit a single document. I have been unable to contact anyone for customer support and I am very concerned after reading online that this is happening to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 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: FL

Complaint narrative:
I submitted disputes to TransUnion regarding the following : Incorrect addresses and employment still listed XXXX hard inquiries by XXXX XXXX XXXX XXXX with no permissible purpose ( FCRA 604 ) A child support tradeline reporting a {$0.00} balance as a charge-off An account from XXXX XXXX XXXX XXXX sold to XXXX but XXXX still reported as a charge-off XXXX XXXX reporting with XXXX debt validation ( FCRA 611, FDCPA 809 ) Despite providing all documentation and sending multiple notices, TransUnion failed to correct XXXX remove the disputed items. This is a violation of FCRA 611 and 623, and in the case of XXXX, also FDCPA 809 ( b ).

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 2025-05-15 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: DE

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I RECENTLY TOOK A LOOK AT MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT DOSENT BELONGS TO ME.. THIS CREDIT COMPANY IS REPORTING INACCURATE INFORMATION ON 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 non-monetary relief
Consumer complaint received 2025-05-15 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:
I RECENTLY TOOK A LOOK AT MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT DOSENT BELONGS TO ME. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO 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 non-monetary relief
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions : Experian XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion : 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number-zzz Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt.

Please provide the following : Purchase Agreemntt A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt.

Transferof Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company.

If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX XXXX XXXX XXXX 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am writing to provide a clear explanation of the ongoing issues with the reporting of three XXXX accounts on my Experian credit report. 

My first dispute was sent via certified mail and received by Experian on XX/XX/year>, as confirmed by the signed delivery receipt. The account was marked as " dispute opened '' on XX/XX/year>, and the report was later updated on XX/XX/year> with a status of " remains, '' meaning no corrections were made. However, the report was still showing inaccurate, incorrect, and unverified information despite the documentation I provided. 

As a result, I sent a second dispute letterincluding all relevant details and supporting documentationwhich was also sent by certified mail and signed for by Experian on XX/XX/year>. This second dispute was officially marked as opened on XX/XX/year>, and Experian listed the dispute as completed and updated on XX/XX/year>. Still, the credit report continued to reflect inaccurate, unverifiable, and incorrect information. 

Because Experian failed to correct the inaccuracies after two properly submitted disputes, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, outlining Experians failure to investigate and update the reporting properly. 

In response, Experian stated on XX/XX/year> that they were still working on my issue. However, this contradicted the earlier update that the dispute had already been resolved on XX/XX/XXXX. Then, curiously, on XX/XX/year>, Experian placed the accounts back into disputedespite the fact that I had not submitted any additional disputes beyond the two already mentioned. 

I have attached all supporting documentation, including certified mail receipts and screenshots of the credit report updates, to verify the timeline and actions taken. It appears Experian may have retroactively attempted to cover their failure to properly investigate my disputes after the CFPB complaint was filed.

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 2025-05-15 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: CA

Complaint narrative:
I am writing to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize. 

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation.

Filed an FTC complaint ( attached ) regarding these suspicious accounts.

Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint XXXX XXXX Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts. 
Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B. 
Written confirmation once this dispute has been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year>XXXX  for {$10.00}. Card was denied even though I had checked the card activation and balance. My balance on the gift card was {$19.00}. I tried to get help from the vendor and they tried but were not successful. I had tried different stores before and the card is denied whether at the store or online. I have two other cards with remaining balances of {$1.00} and {$1.00} but no body accepts the cards! Amex says the funds never expire but you can not use the cards anywhere?

Company response to consumer: Closed with explanation