vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX, my mobile phone ( under XXXX ) didn't work from XXXX XXXX  - XXXX XXXX  while I was at work. I didn't know what happened until I went to the XXXX store at XXXX, CA, after work around XXXX XXXX. I found out someone had activated my XXXX card which was under my cell phone number in XXXX XXXX. That was the reason why my mobile phone didn't work. The XXXX store had to reactivate my XXXX while I was there. When I checked my emails and found out one of my credit cards ( Discover Card ) had one transaction that happened in XXXX XXXX that needed me to get approval for a purchase at the XXXX XXXX that costs {$7900.00}. They denied 3 times and went through at the 4 time, but during the period my phone was not working. I called Discover Card and let them know what happened and disputed the charge the next day, XX/XX/year>. I also found out that my XXXX XXXX  credit card had also been used in XXXX XXXX at the gas station, XXXX  XXXX  store, and a XXXX  restaurant. I also called XXXX XXXX  to dispute the charges. I realized I'm an identity theft victim. I also found out they tried to use my identity to get my credit card replacement. I called all my credit card companies to have replacements and set up a security code on my accounts. I also need to change all my bank account numbers. I reported this incident to the FTC and also the XXXX credit companies, XXXX, XXXX, and XXXX, and froze my credit. I also filed a police report. XXXX XXXX  already accepted my dispute a few weeks ago. Recently, I received a letter from Discover Card stating that they denied my dispute and stated that I'm responsible for the {$7900.00}, which occurred in XXXX, and I was working in XXXX XXXX during the time. What should I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Tilt Finance, Inc.
State: MN

Complaint narrative:
Empower Finance has withheld my funds after successfully debiting my bank account. 

The payment was withdrawn on XX/XX/XXXX, and per their own policy, it should have been processed and cleared by XX/XX/XXXX ( XXXX business days, not including the weekend ). It is now XXXX XXXX on XX/XX/XXXX, and they are still listing my funds as pending. 

I have contacted their support team multiple times and received generic responses, with no resolution. The funds they withdrewover $ XXXXare not available to me, and I have received no update or explanation. 

This delay is interfering with my ability to pay for essential needs and violates Empowers stated policies. I am seeking immediate investigation and enforcement to ensure the return or proper release of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I have identified several unfamiliar items on my credit report, which I believe are the result of identity theft, as I did not authorize these accounts. I have raised this concern previously, and I am now formally requesting the immediate removal of these unauthorized entries. Their continued presence is causing me significant distress and misrepresents both my credit history and financial behavior. 

This matter has been both frustrating and disruptive. If it is not resolved promptly, I will have no choice but to consider legal action to protect my rights and pursue an appropriate resolution. These inaccuracies are severely hindering my ability to achieve important financial goals, including purchasing a home and providing for my family. I trust that you will handle this issue swiftly and in good faith.

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 2025-04-23 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-23 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6200.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 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: NC

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against EXPERIAN for reporting inaccurate and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I reviewed my credit report and found multiple discrepancies in the following accounts : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Disputed Information : Account Number, High Balance, Date Opened, Creditor Remarks Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Disputed Information : Account Number, High Balance, Date Opened, Close Date, Creditor Remarks Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Disputed Information : Account Number, High Balance, Date of Last Activity, Date Opened, Creditor Remarks Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Disputed Information : Account Number, High Balance, Balance Owed, Payment Status Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Disputed Information : Account Number, High Balance, Date Opened, Balance Owed, Closed Date, Payment Status I exercised my rights under Section 611 of the FCRA and formally requested that Experian conduct a reasonable reinvestigation of these accounts. I also cited the following provisions of the FCRA : Section 609 ( a ) ( 1 ) ( A ) : Requires verification of accounts through original signed documentation. 

Section 611 ( 15 U.S.C. 1681i ) : Entitles consumers to dispute inaccuracies and request an investigation. 

Section 623 ( a ) ( 5 ) : Requires the removal of unverifiable information if the original creditor can not validate it. 

15 U.S.C. 1681e ( b ) : Requires Experian to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. 

Despite my formal dispute, Experian has continued to report this inaccurate information, and I have not received adequate proof or validation to support the accuracy of these accounts.

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 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-23 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

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 {$3400.00} XXXX XXXX BALANCED {$3600.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the re-insertion of my XXXX XXXX XXXX XXXX ( XXXX ) car loan account on my credit report. This account was erroneously deleted, and I believe it is critical that it is restored to ensure the accuracy and completeness of my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Additionally, if an item is disputed, the agency must conduct a reinvestigation to determine whether the information is accurate and, if necessary, correct or reinstate the information. 
The XXXX account reflects my financial history and payment activity, which are essential for a fair assessment of my creditworthiness. I kindly request that you investigate this matter, and I am willing to provide any necessary documentation or information to facilitate the re-insertion process. 
Below are the details of the account in question : Lender Name : XXXX XXXX XXXX XXXX ( XXXX ) Account Type : Car Loan Account Number : XXXX Please let me know if additional steps or verification are required to complete this process. I value the accuracy of my credit report and trust that this matter will be resolved promptly. 
If you have any questions or need further clarification, please contact me directly at [ XXXX ] or [ XXXX ]. 
Thank you for your time and attention to this important matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the re-insertion of my XXXX XXXX XXXX XXXX ( XXXX ) car loan account on my credit report. This account was erroneously deleted, and I believe it is critical that it is restored to ensure the accuracy and completeness of my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Additionally, if an item is disputed, the agency must conduct a reinvestigation to determine whether the information is accurate and, if necessary, correct or reinstate the information. 
The XXXX account reflects my financial history and payment activity, which are essential for a fair assessment of my creditworthiness. I kindly request that you investigate this matter, and I am willing to provide any necessary documentation or information to facilitate the re-insertion process. 
Below are the details of the account in question : Lender Name : XXXX XXXX XXXX XXXX ( XXXX ) Account Type : Car Loan Account Number : XXXX Please let me know if additional steps or verification are required to complete this process. I value the accuracy of my credit report and trust that this matter will be resolved promptly. 
If you have any questions or need further clarification, please contact me directly at [ XXXX ] or [ XXXX ]. 
Thank you for your time and attention to this important matter. 
Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation