vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I did not authorize XXXX XXXXXXXX XXXX XXXX to perform a hard credit inquiry on the XX/XX/year> and XX/XX/year>, and I request that this inquiry be removed from my report immediately. 
As required under the Fair Credit Reporting Act ( FCRA ), any company requesting my credit report must have my written permission. I did not provide such authorization in this case. 
Please investigate this matter and provide written confirmation of the results of your investigation. If the inquiry is found to be unauthorized, I respectfully request that you remove it from my credit report and provide an updated copy of my report reflecting this correction. 
Attached is a copy of my credit report with the disputed inquiry highlighted, along with a copy of my government-issued ID and proof of address for identity verification. 
Thank you for your prompt attention to this matter. 
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 2025-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting the immediate blocking and removal of the fraudulent accounts, incorrect addresses, and any related inaccurate personal information from my credit file.

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 2025-05-09 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: CA

Complaint narrative:
This report is in regards to my private data Trans Union, Experian and Equifax I will be including attorneys generals complaint number 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written authorization instruction 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 1-2 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Further more these credit companies has yet to ask XXXX for the findings of the conclusion of the investigation they performed. Where is the competent evidence from XXXX showing proof and where are the results of their conclusion? Reinstatement letters is all theyr required to send to these fraudulent credit agencies. I am requesting that all documentation go through the attorney generals or the BBB or the CFPB only Im attaching proof and evidence.

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 2025-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This report is in regards to my private data Trans Union, Experian and Equifax I will be including attorneys generals complaint number 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written authorization instruction 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 1-2 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Further more these credit companies has yet to ask XXXX for the findings of the conclusion of the investigation they performed. Where is the competent evidence from XXXX showing proof and where are the results of their conclusion? Reinstatement letters is all theyr required to send to these fraudulent credit agencies. I am requesting that all documentation go through the attorney generals or the BBB or the CFPB only Im attaching proof and evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am not liable for this debt with. I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXX/XX/year>

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 2025-05-09 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-09 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I believe is the result of a data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1682s -2. I have been disputing these errors on my credit report for over two years, stating that it's been verified or accurate, when the alleged debt doesn't belong 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 2025-05-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase on XXXX to get my XXXXXXXX XXXX replaced. I was told that by the merchant that it was an XXXX XXXXXXXX XXXX, as I wouldn't have gotten it replaced with an aftermarket XXXX. After XXXX day, the XXXX XXXX  and after updating my XXXX, it states the XXXX  is NOT XXXX. Upon looking at the website for the merchant, no where does it state they're XXXX certified nor use XXXX XXXXXXXX XXXX.s The merchant refused to give me my money back, so I filed a dispute. There has been SEVERAL issues with filing the dispute : XXXX. Their website has an option to upload documents, but it doesn't work. I tried on multiple devices, multiple devices, and I could never get it to work. 

XXXX. I had to physically mail a screenshot of my XXXX that states that the XXXX isn't XXXX, and I never received any kind of feedback that they received it, plus when I called in, they already closed out the dispute without notifying me at all. 

XXXX. Several times throughout this process, my account password got reset for no reason. It's coming off at this point like they're trying to make it harder for me to file the dispute and access my account so that I just don't bother with it. 

At this point, they're expecting me to make minimum payments and I'm being charged interest on the disputed charge, and all they have told me is that it may take up to XXXX  days before I hear back from the dispute. This is unheard of, as I should receive a temporary credit while I am waiting the results of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request & Chain of Assignment Documentation Dear TEK-COLLECT, I am writing in response to your recent communication regarding an alleged debt, referenced as account ending in XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt, including a complete Chain of Assignment showing all ownership transfers from the original creditor to your agency. 

Required Documentation : Proof of debt ownership : Documentation verifying your legal right to collect this debt. 

Chain of Assignment : A complete record of assignments from the original creditor to all subsequent debt buyers, including dates and terms of transfer. 

Original signed agreement : A copy of the signed contract or agreement that establishes my liability for this debt. 

Account payment history : A detailed record showing any payments made, including amounts, dates, and remaining balance. 

Until you provide this verification, I dispute this debt and request that you cease all collection efforts under 15 U.S.C. 1692c ( c ). Additionally, if this debt is being reported to credit bureaus, I request that it be marked as " disputed '' in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

If you are unable to validate ownership, I expect removal of this debt from all records, including credit reports. Failure to comply may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate state authorities. 

Please provide the requested documentation within XXXX days of receipt of this letter. Any further communication regarding this matter must be in writing. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-05-09 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 follow up on my previous letters regarding the removal of fraudulent items from my credit report. I am once again requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items as required by law, as stated in my identity theft report. Please review the listed fraudulent items that I would like to be removed from my credit report. 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate personal information listed in the Name section of my credit report. Upon reviewing my report, I noticed XXXX ( XXXX ) incorrect names & XXXX incorrect address that do not belong to me and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This is a parent address who is deceased and no longer is owner of the property at the address and I am not tied to this address as an adult. Remove it from my report ASAP. 

Please see the screenshot below for a list of the incorrect address & names as they appear on my Experian credit report : According to the Consumer Financial Protection Bureau ( CFPB ), acceptable proof of identity includes : - Full name - Date of birth - Social Security Number - Current address In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX [ XXXX XXXX. XXXX ], I am requesting that you investigate and promptly delete any inaccurate personal information that is not directly associated with my credit file. 

Please remove the incorrect names from my file and provide me with an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt 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 2025-05-09 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-09 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted US Bank today on XXXX/XXXX/205 concerning my deposit The rep told me that my deposit will not clear until the XXXX of XXXX. I asked if she could have a senior management person release the funds but was told that they could not. I have had this account for over XXXX  years and and have been very responsible with my checking account. 

I hade made the deposit on Monday XX/XX/2025 at XXXX. The deposit was mas made on a business day and well within a whole day for the transaction to clear funds faster. The {$1000.00} dollar deposit came from my local 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 2025-05-09 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: AZ

Complaint narrative:
I'M REQUESTING THAT YOU HELP ME REMOVE SOME FRAUDULENT ACCOUNTS. I'M A XXXX XXXX VICTIM UNDER XXXX AND AN IDENTITY FRAUD VICTIM AND I NEED THOSE ACCOUNTS REMOVED PLEASE. I HAVE ATTACHED EVERYTHING YOU NEED 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 explanation
Consumer complaint received 2025-05-09 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
every months or so Multiple inquiries for auto loans and others where on my credit report without my knowledge im in the military and was at sea for months at a time with no knowledge of these inquiries and account i didnt make those inquiries or account i dispute so many time but those accounts were never removed from my account i even the address on my credit report isnt my correct address.

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