vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: GA

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 explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately 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 2025-05-01 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at Jefferson Capital Systems XXXX on XX/XX/XXXX under the account number ( XXXX ) with the balance of {$14000.00} that appears related to the aforementioned personal credit card account opened at XXXXXXXX XXXX XXXX an utility account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a collections account opened at Bounce AI XX/XX/XXXX under the account number ( XXXX ) with the balance of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: ME

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 explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent XXXX Verified letters to Transunion & Equiax Requesting that all accounts that were linked to identity theft be removed from my report included XXXX report with dispute letter XXXX additional times. Transunion XXXX Equifax validated the debt with no additional proof this has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> I received an email at XXXX XXXX  that I have signed up is approved for a Capitol One credit card, which to my knowledge, I have never signed or contacted with Capitol One Bank ever. I took action on XX/XX/XXXX to call Capitol One ( XXXX ) to confirm with them that an account under my name has been opened with the bank. I asked for information and a transcript of the conversation which I did not receive despite providing all my information : email, address, DOB, and social security number. The agent whom associated themselves as XXXX told me that the account will be closed. 

I am unable to access the Capitol One account as it has been set up WITHOUT my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was affected by the data breaches that affected Transunion, Eqifax and Experian by law i have the right to have accurate data reported on my consumer report and by law i have the right to have my privacy protected, and i have had both of those rights violated and i have been caused great harm and inconvenience by the information that is being reported

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was affected by the data breaches that affected Transunion, Eqifax and Experian by law i have the right to have accurate data reported on my consumer report and by law i have the right to have my privacy protected, and i have had both of those rights violated and i have been caused great harm and inconvenience by the information that is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, Bankruptcy File Number XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : ALSO STATES THAT A CONSUMER REPORTING AGENCY MAY NOT PROVIDE a bankruptcy without my written instructions.

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 2025-04-30 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am filing a second complaint against Citibank because they refused to refund {$3300.00} in unauthorized charges from a merchant called XXXX XXXX XXXX, which were billed to my Citi credit card between XX/XX/XXXX and XX/XX/year>. I previously filed a CFPB complaint ( Complaint # XXXX ), but I was not able to submit a rebuttal to Citis response due to the limited response window. 

To clarify : I authorized a few transactions with this merchant. The charges in question were made without my consent or knowledge. I did not agree to any recurring billing, subscription, or purchases made without my consent. These transactions were unauthorized, and I noticed them only after reviewing my statements. 

Citibank responded that because I had previously done business with the merchant and provided my card information, all the charges thereafter were valid. I strongly disagree with this position. Providing my card for a few transactions does not mean I authorized {$3300.00} in charges that were made without my consent. Citi did not perform a proper investigation or request proof of my authorization for each transaction. Citibank 's XXXX attempted to call me one hour before their closing time, of which I was unable to respond due to my obligations that I had during the time. Then, they " completed '' their investigation the very next morning, without giving me adequate time to respond. 

This handling violates my rights under the Fair Credit Billing Act ( FCBA ), which protects consumers from billing errors and unauthorized charges. Citi failed to meet its obligation to investigate my dispute in good faith. 

I am also filing a complaint with the Office of the Comptroller of the Currency ( OCC ), as Citibank is a nationally chartered bank and I believe this is a broader issue of unfair dispute resolution practices.

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 2025-04-30 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: AZ

Complaint narrative:
IVE BEEN VICTIMIZED BY XXXX XXXX  UNDER 605C. THIS SITUATION HAS ABSOLUTELY RUINED MY LIFE. I ALREADY SUBMITTED MY DOCUMENTS TO EXPERIAN AND EQUIFAX AND THEY DID NOT MY PROCESS MY REQUEST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Saturn Systems, Inc
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Would like for Debt to be deleted off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
These creditors have violated my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681 ( a ) ( Section 602 ), I have the right to privacy and the protection of my personal financial information. Additionally, under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a consumer report without my written authorization, unless it meets specific legal conditions. If this account was shared or reported without my consent, it is a direct violation of federal law. Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment as late on a credit card or open-end account if it was received by the due date and at the designated address. If a timely payment was misreported, this constitutes an illegal delinquency. I am requesting that this matter be investigated and the inaccurate reporting be corrected or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These creditors have violated my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681 ( a ) ( Section 602 ), I have the right to privacy and the protection of my personal financial information. Additionally, under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a consumer report without my written authorization, unless it meets specific legal conditions. If this account was shared or reported without my consent, it is a direct violation of federal law. Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment as late on a credit card or open-end account if it was received by the due date and at the designated address. If a timely payment was misreported, this constitutes an illegal delinquency. I am requesting that this matter be investigated and the inaccurate reporting be corrected or removed immediately.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Constant threats, letters and calls despite me talking with them and sending them debt forgiveness letter. This was charged off and closed. XXXX XXXXXXXX XXXX had it and closed it. But this company is persistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is also reporting XXXX  XXXX ( XXXX ) and XXXX XXXX  ( XXXX ) accounts as having late payments while listing them as {$0.00} in both balance and past due. This contradiction violates 15 USC 1666b and misrepresents my credit history. If these accounts were late in the past, and subsequently paid off or brought current, the historical context needs to reflect that accurately. Otherwise, the lingering negative data becomes an unjust penalty for a resolved issue. I believe this misinformation is likely tied to improperly handled updates, possibly stemming from third-party data sources or breaches.

Company response to consumer: Closed with non-monetary relief