vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting the deletion of a closed XXXX XXXX  account from XXXX XXXX ( XXXX XXXX XXXX ) due to inaccurate and misleading reporting that has continued for years despite multiple attempts on my part to resolve it. 

The account was closed on in XXXX but is showing XX/XX/XXXX. It is still being updated as recently as XX/XX/XXXX. This post-closure reporting is not only inaccurate but is also negatively affecting my credit. Additionally, a balance of {$5000.00} continues to be reported even though the account was charged off, and it's unclear if the debt was sold. The payment history also includes conflicting and inaccurate entries, such as months marked both on-time and derogatory, and an on-time payment percentage that is not reflective of the actual time payments were made. 

I have contacted XXXX XXXX XXXX and filed disputes with the credit bureaus multiple times over the last few years, and yet the incorrect reporting remains. I am now asking for this account to be deleted from my credit report entirely, as the data is unverifiable and in violation of the Fair Credit Reporting Act. 

This situation is actively preventing me from obtaining auto financing and is causing financial harm.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am requesting the deletion of a closed XXXX XXXX account from XXXX XXXX ( XXXX XXXX XXXX ) due to inaccurate and misleading reporting that has continued for years despite multiple attempts on my part to resolve it. 

The account was closed on in XXXX but is showing XX/XX/XXXX. It is still being updated as recently as XX/XX/XXXX. This post-closure reporting is not only inaccurate but is also negatively affecting my credit. Additionally, a balance of {$5000.00} continues to be reported even though the account was charged off, and it's unclear if the debt was sold. The payment history also includes conflicting and inaccurate entries, such as months marked both on-time and derogatory, and an on-time payment percentage that is not reflective of the actual time payments were made. 

I have contacted XXXX XXXX XXXX and filed disputes with the credit bureaus multiple times over the last few years, and yet the incorrect reporting remains. I am now asking for this account to be deleted from my credit report entirely, as the data is unverifiable and in violation of the Fair Credit Reporting Act. 

This situation is actively preventing me from obtaining auto financing and is causing financial harm.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need clear confirmation that all data, content, and information tied to this account is solely and entirely mine. This includes any associated files, metadata, activity recordseverything. Its critical for me to know that nothing on this account belongs to or is associated with anyone else.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
b'Unable to use card\nUnable to verify using phone number on account\n\nPhone rep unwilling to satisfy my needs.\n\nUnable to retrieve letter in mail.(never really sent)'

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
So during the last month, month of XXXX, I was charged nine overdraft fees, which I believe some of them were mistakenly, maybe through an error, was charged to my account, because usually I'm not letting stuff to happen to my account. And on month of XXXX, only it happened one time, they charged me one time. But in month of XXXX, they charged me nine times, {$35.00} each time, even on some of the days, two or three times, they charged me. So a total of {$310.00}. I call them that I'm a full-time student and father of XXXX kids. Please, if you could waive these fees, and I know you guys can do it at your end. And as everybody 's going through financial stress, and I'm also going through financial problems right now. And this will be a big help for a for a person who is your customer for 10 years, but they rejected. We can not do it like more than one time. A couple of months ago, you were already helped like one time. I told them you guys can do it because it's not an interest, it's just a fee. And you guys can easily waive it and help me out, but they rejected.

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: 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: TX

Complaint narrative:
Dear Transunion, The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXX ACCOUNT XXXX Date Open XX/XX/year> XXXX XXXX ACCOUNT XXXX Date Open XX/XX/year> original balance {$39000.00} Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 




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 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 paid
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity CB/XXXX XXXX has a write off/charge off for the amount of XX/XX/XXXXXXXXLook like it was written off in XX/XX/XXXX and I have yet to receive a 1099 c form for tax purposes .I tried to dispute and request for it through experian in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>2025, I sent a certified debt validation request to Client Services , Inc. regarding a debt they claim for {$1800.00} related to a XXXX XXXX ( XXXX ) account. They received the letter on XX/XX/year>2025, but failed to respond within the legally required timeframe. On XX/XX/year>2025, they sent a single-page generic response with only the amount and account numberno contract, no payment history, no chain of ownership, and no legal documentation. This is not a valid debt validation under 15 U.S.C. 1692g ( b ). Collection efforts continued despite the lack of validation, violating my consumer rights under the FDCPA.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate and inconsistent reporting on my TransUnion, Experian, and Equifax credit reports by XXXX XXXX XXXX. For years, the account in question was listed as NR ( No Reporting ), indicating no monthly updates. However, after I initiated a dispute in XX/XX/XXXX, XXXX  retroactively changed the historical data to change the monthly reporting to show multiple years of C/O ( Charge-Off ) status, changed the late payment history ( XX/XX/XXXX ) and changed the closure date of the account. All of these actions resulted in my credit score plummeting -- a drop of XXXX points ( depending on the credit bureau ) in my credit score, which has had a serious and unfair impact on my creditworthiness. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), as furnishers must report data accurately and consistently. TransUnion, Experian, and Equifax accepted and applied this dramatic retroactive change without sufficient verification, which I believe is negligent and harmful. I am requesting CFPBs help to ensure this is properly investigated, corrected, or removed entirely if the data can not be verified as consistently reported. 

Please see attached exhibits which demonstrates the inconsistent reporting. Exhibit A showing reporting from XX/XX/XXXX and Exhibit B showing reporting from XX/XX/XXXX. Additionally, I have full credit reports from throughout the last couple of years that further substantiate what I am saying.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I made a deposit on the XXXX which was my paycheck of {$730.00} and was told that I have to wait more then a week to receive my paycheck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My name is XXXX XXXX and I have a bank of america credit card account. I was a victim of identity theft where someone hacked into my online portal and made a {$460.00} balance transfer. BOA refuses to believe me on this claim ( even though they verified the fraud regarding a different balance transfer!! ) I sent a police report that my identity was stolen. 
The Boa claim number is 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 monetary relief
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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a loan account under which my vehicle was accepted by the dealership in full satisfaction of debt. After the collateral was accepted, the dealership continued to report this account on my credit report as a charge off with a balance of $ XXXX. When a creditor accepts collateral in full satisfaction, the debt is considered extinguished, meaning the creditor no longer has a claim against the debtor for the outstanding balance. This company is acting in violation of debt collection laws that require creditors to accurately report debt status.

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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint against EXPERIAN & EQUIFAX regarding incorrect information I received. The issue began on XXXX2025, when I received conflicting or erroneous wrong information about my personal information. 

EXPERIAN * Name * XXXX XXXX XXXX XXXX * Address * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EQUIFAX * Name * XXXX XXXX * Address * XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX 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.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX 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.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 List of Unauthorized Inquiries : 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 explanation