vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a call listed as XXXX XXXX ( XXXX ) XXXX from a female stating that she is calling on behalf of the credit card companies and could lower my interest rates, she also sts that I pay extra every month and that I have been monitored by XXXX, that my on time payment history qualifies me for a lower interest rate, she then asked how much my total credit card debt was, if my debt was mostly XXXX, XXXX  XXXX, XXXX or XXXX. She then sts that she needed the expiration date of the credit card that has the highest balance and I was on a recorded line. I asked her to tell me or send me a security confirmation code to verify her identity, she then confirmed that everything will be completed in the phone call we were on with a recorded line. I hung up the phone, she immediately called back with a number listed as CITI 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, In XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Investigation and Removal of Unverifiable Information under the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern : I am writing to formally dispute the accuracy and completeness of certain information contained in my Experian credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  initiate a reinvestigation of all information in my file that can not be verified and remove any and all unverifiable, outdated, or inaccurate items. 
The FCRA ( XXXX XXXX. XXXX ) mandates that XXXX  conduct a reasonable investigation of any disputed information and complete this investigation within XXXX  days of receipt of the dispute. If the disputed information can not be verified, it must be promptly deleted from my credit file. Failure to do so constitutes a violation of federal law and XXXX result in legal action, including statutory damages, attorneys fees, and injunctive relief. 
I am not required to identify specific items in order to trigger this obligation under the FCRA, and I decline to do so. Instead, I am exercising my right to request that XXXX  verify the accuracy and validity of all information reported under my name and delete anything that can not be fully substantiated. 
Enclosed are copies of the following documents to verify my identity : A copy of my drivers license or state-issued ID A copy of my Social Security card A copy of a recent utility bill or bank statement to verify my current address Please confirm in writing the outcome of your investigation and provide me with an updated copy of my credit report once your review is complete. 
Thank you for your attention to this matter. I look forward to your timely response in compliance with the FCRA. 
Sincerely, 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I believe there are late payment entries on my report that are inaccurate. Under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-07-30 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 XXXXXXXX XXXX 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$650.00} XXXX  XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XXXXXXXX XXXX XXXX  XXXX Date : XXXXXXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX AND XXXX I Date : XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because TransUnion has continuously failed to properly investigate multiple dispute letters I have submitted over the last XXXX months. Each time I disputed inaccurate information on my credit report, TransUnion responded by stating the accounts were verified without providing the description of the procedure used to determine the accuracy of the information, which is required by law. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), a consumer reporting agency is legally required to provide the method of verification ( description of the procedure ) when a consumer requests it after a reinvestigation. TransUnion has failed to comply with this legal requirement. Their responses were vague and dismissive, simply stating that the information was verified as accuratewithout transparency or proof of any meaningful investigation. 

I have given TransUnion multiple opportunities over the last XXXX months to properly review and investigate the inaccurate accounts, but they continue to respond in the same manner. This has hindered my ability to move forward in life, including being denied financial opportunities and facing ongoing stress due to their lack of cooperation and compliance with federal law. 

Their conduct constitutes a violation of my consumer rights under the FCRA. I am requesting that the CFPB take appropriate action to hold TransUnion accountable for failing to : Properly investigate my disputes, Provide the description of procedures used to verify the disputed accounts, Comply with their obligations under XXXX XXXX Code XXXX. 

I am asking for an immediate deletion of these accounts, full compliance with federal law, and appropriate penalties against TransUnion for their repeated failure to act 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 List of Unauthorized Inquiries : 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 XXXX 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 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ALLY XXXX XXXX XXXX XXXX, MI, XXXX SUBJECT/BUSINESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Attn XXXX Customer Service Mgr XXXX XXXX XXXX XXXX FL XXXX CLAIM # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, I received a partial GAP payoff with regard to the above payoff on my Claim # : XXXX in the amount of {$24000.00} which was {$8000.00} less than the total amount of the claim that did not exceed the maximum GAP amount of {$50000.00}. Because of the partial payoff, I am still accruing fees on this unpaid amount. 

I received GAP Claim information with regard to the total loss of my vehicle GAP Policy without a written explanation addressing the {$8000.00} that was not covered by the GAP policy. ( attached ). 

As of XXXX XX/XX/XXXX, my XXXX Records reads that I have a balance of {$8200.00} past due and Account charged off in the amount of {$32000.00}. 
The only contractual information that I received was listed on the GAP Policy Program Information section of the GAP Financing Contact dated XX/XX/XXXX was that the payoff would not exceed Maximum Gap Amount listed as {$50000.00}, with no additional information regarding any deductible ( s ). 

Request that the partial payment be replaced with a full payment according to the agreement of of the GAP Contract. 

Thank You for your time and consideration regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX List of Unauthorized Inquiries : 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a flight through Capital one portal from XXXX XXXX XXXX XXXX to XXXX XXXX  on XX/XX/year>. My confirmation numbers for the flights were : XXXX XXXX : XXXX Capital One Travel : XXXX I added flight disruption assistance. My flight was delayed and therefore I received the following email from capital one : Because you purchased flight disruption assistance from Capital One Travel, you can either : Rebook your flight You can rebook your flight on any airline available through Capital One XXXX for no additional cost. You can select from same or next-day flights for the same airport and fare class as your original ticket, up to {$5000.00} per traveler. Upgrades and baggage fees aren't included. 
or Get a full refund without canceling your existing reservation You can get a full refund for your base fare and taxes if you don't like your rebooking optionswithout contacting the airline or filling out forms. Getting a refund from Capital One Travel wont cancel your existing reservation. If you travel on your original flight or accept a new flight from another airline, you can still get a refund from Capital one.

I also received a follow up email from Capital One : Details about your coverage Since your flight was disrupted and you didn't rebook it, you can choose to receive a full refund for your base fare and taxes. 

Even if you travel using your original reservation or accept a new flight from the airline, you can still get compensation for the disruption to your flight from Capital One Travel. Getting a refund from Capital One Travel will not cancel your existing reservation. 

You have up to 24 hours after the originally scheduled arrival time of the last flight in the trip to claim your compensation.

I called Capital One and they indicated that Im not eligible to receive a refund because I traveled on my original flight. Im confused on why they would indicate Im eligible for a refund but stated the opposite once I gave them a phone call to request the refund.

Company response to consumer: Closed with monetary relief