vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
RE : Demand for Immediate and Permanent Deletion of Unauthorized Inquiries from My Consumer File FCRA Violations & Civil Liability Settlement To Whom It May Concern, This letter constitutes a formal demand and legal dispute concerning unauthorized hard inquiry currently appearing on my credit report. Said inquiries were reported without my express authorization, and in violation of federal consumer protection statutes. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), a consumer reporting agency is strictly prohibited from furnishing a consumer report to any person lacking a permissible purpose. I have not initiated any transaction with the companies listed. 
1. The inquiry was not authorized CITI CARDS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report Additionally : 1681e ( a ) mandates that you maintain reasonable procedures to prevent the disclosure of a consumer file to unauthorized parties.

1681i ( a ) ( 1 ) ( A ) requires a prompt reinvestigation of disputed data.

1681n and 1681o establish civil liability for both willful and negligent violations of the Act.

I hereby demand an immediate deletion of any and all unauthorized credit inquiries from my credit report unless the following can be produced for each inquiry : A signed credit application or verifiable written authorization ; The date, method, and IP location of my consent ; The name and authority of the employee who accessed my report ; The specific statutory permissible purpose relied upon under 1681b ; Documentation of your internal verification process and findings.

Failure to provide the above within the timelines required under 15 U.S.C. 1681i ( a ) constitutes further violation.

Additionally, I am asserting a formal claim for civil liability damages under FCRA 616 ( a ) ( 1 ), codified as 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). I am willing to settle the matter for the amount of {$1000.00}, in satisfaction of the damages I have sustained due to your violations of the FCRA, if payment is made within 10 calendar days from receipt of this notice.

Should this offer be ignored or rejected, I reserve the right to pursue actual damages, which exceed {$1000.00}, in addition to statutory damages, punitive damages, attorneys fees, and costs as permitted under 1681n and 1681o.

Failure to comply or respond within the legally prescribed timeframe will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Notices to the Federal Trade Commission ( FTC ) and Illinois Attorney General Civil proceedings in a court of competent jurisdiction

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 2025-06-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
Equifax refuses to remove my credit report from the XXXXonsumers affairs department which. They have no right to put my credit file in the consumers affairs department I wasnt notified questioned about the allegation of misconduct. My identity has been compromised by identity theft & data breach. I will be filing a XXXX XXXX dollar lawsuit against Equifax if my report isnt placed back into its regular consumer department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
On XXXX XXXX I sent certified letters informing this debt collector that the debt that theyre reporting on my credit report is more than XXXX and XXXX XXXX XXXX and should not be reported on my credit report. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
Subject : Violation of FCRA by Checkr , Inc. Denial of Access and Refusal to Provide Background Report I am a legal U.S. resident and a worker who attempted to become a XXXX  XXXX  with XXXX XXXX XXXX XXXX in XX/XX/year>. Checkr , Inc., as the background check provider, terminated my screening without providing any written report or explanation. 

Despite repeated requests through email and the candidate portal, Checkr refused to release the full background report, citing internal policies. They also claimed they could not accept documentation from me ( e.g., Social Security card ), preventing me from correcting or disputing the false claim that my SSN was invalid.

This directly violates the Fair Credit Reporting Act ( FCRA ), including my right to : Access my report ( 15 U.S.C. 1681g ) ; Know what information was used to deny employment ( 1681m ) ; Dispute inaccurate information ( 1681i ).

Checkrs conduct has caused me significant harm : I was denied access to work for 16+ months and falsely flagged as having a fake SSN without any formal explanation or appeal process.

I am requesting that the CFPB investigate Checkr for these violations and require them to provide me with my complete consumer report and a pathway to correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against FIRST CREDIT SERVICES regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : FIRST CREDIT SERVICES ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with FIRST CREDIT SERVICES buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLLECTION SERVIC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLLECTION SERVIC XXXXXXXX XXXX XXXX XXXX XXXX Balance {$320.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLLECTION SERVIC buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
b"I have looked at my credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting shall follow reasonable procedures to assure maxuim possible accuracy of the information concerning the individual about whom the report relates these accounts are not complete and its not reporting accurately\XXXX  Account # XXXX  open date is not reporting correctly, last active date is not reporting accurately, status of the account is not reporting accurately, XXXX  account #XXXX  open date is not reporting accurately, last activity date is not accurate, XXXX account # XXXX  open date is not accurate, last reporting date is not accurate, last payment date is not accurate and last activity date is not accurate, XXXX  account # XXXX  open date is not accurate credit amount showing is not accurate, last payment date is not accurate and date of last reporting date is not accurate and XXXX XXXX account # XXXX  is not accurate on open date, last activity date is not accurate and the date for last reporting is not accurate either\nI sent a letter XXXX XXXX XXXX asking them to investigate these accounts listed above and here's my tracking # XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was removed or updated So I requested a description of the investigation and they did not provide it to me which is also a violation f 15 U.S>C.b 1681i7 they also violated 15 U.S.C. 1681i(5) can you look into this matter 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 2025-06-21 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: CT

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CT

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Let me be absolutely clear : youve now crossed into willful violation territory, and Im done playing nice.

Youve had nearly 60 days to properly validate this so-called debt, and instead of responding within the required 30-day timeframe, youve dragged your feet and sent back some half-baked, fabricated move-out statement that wouldnt hold up in a parking lot disputemuch less in court.

Lets be even clearer : There is no proof of any debt owed.

A lease does not equal a balance due.

Youve provided zero breakdown, zero invoices, zero charges. Just smoke and mirrors. 

Equifax has already removed this bogus account from my credit file due to your failure to prove anything. Yet you continue reporting this unverifiable trash to other bureaus. Not only is that a blatant violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), but by continuing to report it after I disputed it, youve also triggered violations of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g and 1692e ).

Then you have the audacity to tell me this account is in restrictive status and you wont be communicating further? That alone is grounds for litigation. You dont get to duck legal obligations just because you cant validate your own paperwork. Thats not how any of this works.

And as for the Consumer Financial Protection Bureau, theyve been no help whatsoeverignoring clear-cut violations. But thats fine. Ill be adding their inaction to the complaint Im preparing for the FTC, the Office of the Inspector General, and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: VA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 16819 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

(

A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-21 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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