vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
On XXXX I sent Experian a FTC identity Thert report along with an Identity Theft affidavit detailing the accounts and fraudulent activity. Thus making it a valid identity theft report. I sent the proper identification, my drivers license. These accounts should have been blocked however Experian has violated federal law by ignoring its obligations.

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 2025-04-09 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: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-09 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: IL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX **** Balance Owed : {$790.00}

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint narrative:
My wife XXXX XXXX XXXX ( XXXX XXXX ) hold Citicards jointly. 
About XX/XX/year> I noticed that there were several unauthorized charges made to my wife Citicard totaling {$2800.00} between XX/XX/XXXX and XX/XX/year>. I promptly reported the matter to the Fraud Dept at Citicard. After answering questions by the Citicard Fraud Dept., I was informed that the unauthorized charges would investigated and resolved and I will not be asked to pay since the charges were not made by me or my wife. 

On XX/XX/year> I received email from Citicard informing me that there a message was sent me and upon checking on the Citicard website I could not find any message being sent to me. On XX/XX/year> when I was reviewing my bank account I found out that Citicard withdrew {$2800.00} the total of unauthorized charges from my bank account without my consent. Since I had enrolled in automatic payment program with Citicard, they took the money without informing me the status of investigation. Since the money they took was unauthorized charges, I did not expect to pay them and as such I did not have sufficient balance in my bank account. This resulted in my bank balance wiped out and many transactions such my monthly mortgage payment and health insurance payments were returned for insufficient balance. As a result, I had to pay more than {$120.00} to my vendors as penalty. When I called spoke with Citicard customer service they could not provide me with satisfactory answer nor have they refunded {$2800.00} that was debited to my bank account. To this date, I have not received any communication from Citicard regarding status of investigation into unauthorized fraudulent charges that occured in the second week of XX/XX/year>. We are retired senior citizens and we need the money back as soon as possible to pay our bills. 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 monetary relief
Consumer complaint received 2025-04-09 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
I sent your company a letter disputing accounts number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a response from you dated XX/XX/year>, where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was trying to log into my account with Bank of America and the website stated there was no account. I checked my card and it has an expiration date of XX/XX/XXXX. I called the bank and was told my card was closed in XXXX of XXXX. Ive had this card since XXXX. When I asked when they sent me a letter or email advising of an imminent account closure the representative told me that no such letter was sent despite that being a prerequisite to closure. The only recourse I have is to open a new account. Bank of America clearly does not care about its customers.

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 2025-04-09 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Summary : XX/XX/XXXX I Purchased medication from XXXX using American Express in the amount of {$2500.00}. 
XX/XX/XXXX - Discovered the medication was cloudy and wasnt working. I then researched the company & pharmacy to discover the product was unsterile and unsafe to use. 
XX/XX/XXXX Requested refund from XXXX ( email ) XX/XX/XXXX XXXX denied refund ( email ) XX/XX/XXXX Our First Request to OPEN DISPUTE with American Express XX/XX/XXXX - American Express denied dispute/chargeback XX/XX/XXXX Our SECOND Request for REFUND and request to REOPEN case. ( contacted American Express via Chat ) XX/XX/XXXX Provided 10 documents to American Express website to support my claim. 
XX/XX/XXXX XXXX XXXX XXXX XXXX story released regarding this company and the egregious acts of XXXX XXXX. 
XX/XX/XXXX Contacted American Express to check status of dispute ( called ) XX/XX/XXXX American Express denied dispute/chargeback. 
XX/XX/XXXX Called American Express to explain that they can not close case when I have provided factual evidence to support my claim ( spoke to XXXX ). XXXX set up a conference call scheduled for XX/XX/XXXX and promised to call me at XXXX that day. 
XX/XX/XXXX XXXX from American Express did not call at XXXX as promised. Instead, after waiting 1 hour, I called American Express and spoke to XXXX XXXX who agreed to reopen the case and stated to me that They must not have read my documents and promised to read them this time. 
XX/XX/XXXX - Our THIRD Request for REFUND and request to REOPEN case. At XXXX we received a call from XXXX who said that the case was reopened and that he would personally review my information this time. 
XX/XX/XXXX Received a call from XXXX '' from American Express wondering when our documents would be uploaded. We told him that we were waiting for the American Express denial paperwork to come in the mail so we could see why/how they could possibly deny us. 
XX/XX/XXXX Uploaded 8 more supporting documents after receiving mailed American Express letter as proof to win my case. 
XX/XX/XXXX American Express denied dispute/chargeback. 
XX/XX/XXXX - Our FORTH Request for REFUND and request to REOPEN case. 
XX/XX/XXXX Called American Express and spoke to XXXX. She agreed with me that the case needed to be reopened and pointed out that XXXX so-called evidence was missing important info like signatures, etc and agreed that this case should be reconsidered. She promised to put notes in my case and reopened the case for me. Currently this case is open and in progress as I am submitting this form. 
XX/XX/XXXX Submitted official grievance against American Express with CFPB ( Consumer Financial Protection Bureau )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Phone was purchased with my ssn number didnt authorized any transaction from consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

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.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or XXXX, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law.

Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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 2025-04-09 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: PA

Complaint narrative:
I am writing to formally dispute and request the deletion of the TBOM/VT account reported on my Experian credit report. This account is listed with the following concerns : It reflects a status of Unpaid balance reported as a loss by credit grantor. 
The account was closed in XX/XX/year> and shows several derogatory marks from 2021, including 30, 60, and 90-day late payments, as well as a charge-off. 
The payment history, balance, and activity details are missing or incomplete on XXXX and XXXX this violates the Fair Credit Reporting Act ( FCRA ) which requires uniform, complete, and verifiable reporting across all bureaus. 
The account comments list it as Purchased by Another Lender, but there is no indication of the successor account or transfer, making it unverifiable and potentially duplicative. 
Additionally, there is no current balance, no updated payment activity, and no indication that the account is still being managed or collected by any party. 

Given the lack of completeness, accuracy, and verifiability, I am requesting the immediate deletion of this account from my credit report as allowed under the FCRA and CFPB guidelines. 

Please conduct a full investigation and provide documentation verifying the reporting, or remove the account entirely.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to express a formal complaint regarding Capital Ones recent and unjustified closure of my credit account. 

Despite having paid my balance in full and on time, Capital One chose to close my account without warning or valid explanation. I have an excellent credit score and a strong history of responsible credit use qualities that should merit trust and continued service, not sudden account termination.

This action not only undermines responsible financial behavior but also negatively affects my credit profile through no fault of my own. I believe this decision was arbitrary and reflects poorly on Capital Ones treatment of reliable, creditworthy customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Breach of personal information under FCRA. 
Spam emails calls and texts from unsolicited third parties that now have my undisclosed personal information. 
Using 15. U.S.C 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX  XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCED {$20000.00} These accounts has resulted in several 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 credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize. I'm a victim of an identity theft.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA rule 1681e ( b ). My identity theft report # XXXX. 

XXXX XXXX  account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA 168 XXXX XXXX ( b ). My identity theft report # XXXX JPMC account # XXXX account does not show the maximum possible accurate information in my fi, r according to FRCA 1681e ( b ). Please delete immediately according to FRCA 181e ( b ). My identity theft report # XXXX XXXX XXXX  account # XXXX.This account does not show the maximum possible accurate information according to FRCA 1681e ( b ). Please delete immediately from my file according to FRCA 1681e ( 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