vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I previously sent a dispute letter by regular mail regarding this account, but I never received a response or confirmation that a reinvestigation was conducted. The account is reporting inconsistent Dates of Last Activity across TransUnion, Experian, and Equifax, which shows the information is inaccurate and unverifiable.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation free of charge and delete any information that can not be verified. Because no proper reinvestigation was done and the data is inconsistent, I am requesting permanent deletion of this account.

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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot offers 0 % interest for 2 years on certain purchases. If you don't pay the balance within the 2 years you are charged interest from day 1. We always pay over the minimum balance due, assuming we are paying towards our total balance, including any promotional balances. There is a flag you can set online to allocate payments over your minimum payment towards promo balances. We have always had this flag set to yes. If you don't set it to yes, no money that you pay goes towards the promo. Why would anyone want that? Somehow the flag got turned off. We did not notice this until last week. So for 22 months we have been making payments, assuming something was going towards an almost {$3000.00} promo, but nothing has. This flag is basically hidden on their website. Clearly in an effort to not allow consumers to pay promo balances and not actually get to take advantage of the 0 % rate. This is shady. We called and tried to get them to back date the allocation choice. They were only able to do it for one month. This should be easier for consumers to see so they know where their payments are going. We would like to ask for some help in back dating the allocation further, preferably the full 2 years. But anything more than one month would be helpful. Also, request that they make seeing this info a lot more up front and not hidden.

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 2025-07-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my XXXX XXXX account, which had a balance of {$100.00} at the time of closure. I received an email notification about the account closure before I had a chance to transfer my funds. Since then, more than a month has passed, and the {$100.00} has not been returned to me. 

I have made multiple attempts to contact Chime customer service, but I have been unable to reach a representative or receive a clear response about the status of my funds. 

I am requesting the immediate return of my {$100.00} balance or a detailed explanation of any delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to raise a serious concern regarding an unresolved issue with Citi and Best Buy that has caused significant and unfair damage to my credit score. 

I never received the Best Buy Citi credit card that was issued to me. As a result, I was unaware of the XXXX XXXX balance that had accumulated. By the time I discovered the issue, it had already impacted my credit report. My credit score, which was previously XXXX, has now dropped to XXXX devastating drop over a situation completely beyond my control. 

I raised a formal complaint through the Consumer Financial Protection process and explained the entire situation in detail. Citi acknowledged the issue and responded initially, assuring me in writing that they would submit the dispute to the credit bureaus. I have attached that communication for reference. 

However, despite this assurance, no dispute was filed. Later, I received a completely contradictory message stating that they would not proceed with the dispute. This inconsistency is extremely frustrating and has further damaged my trust in the process. 

I have made every effort to resolve this responsibly. I continue to use another Citi credit card, on which I have never missed a single payment. My payment history across all accounts is clean, and I always pay my balances in full and on time. Citi can verify this with my records. 

Whats most concerning is the broader pattern this suggests : credit cards are being issued, never received by the customer, and when customers try to fix the problem, they face obstacles and penalties instead of support and they don't allow Coustmer to pay it with multiple reasons ( first time the card number is not available, send time the card closed, third time to pay completely they don't allow it on same day because some amount paid that day- Coustmer don't have the right to pay it when he noticed there are something we need to resolve, we can only pay depends on when the companies allow us to pay ). This feels more like a systemic failureor worse, a predatory practicewhere the burden falls unfairly on the consumer. 

This issue has not only caused financial damage but has also hurt my credibility as a responsible borrower. I am requesting that this situation be reviewed immediately, that the promised dispute be submitted to the credit bureaus, and that the unfair negative mark on my credit report be removed without further delay.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 

ACCOUNTXX/XX/XXXX SERVICED BY XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This is the 4th addition to complaint # XXXX. 

I deposited money in my account on XX/XX/year> at that point all funds in my account were frozen. I am unable to buy gas, food, bay bills, pay rent. 

I tried to withdraw funds from the ATM today XX/XX/year> and was unable, 11 days after I deposited the check and 4 days after I confirmed with the drawer of the check that his account had been debited. 

I called customer service from phone # XXXX between XXXX CST and XXXX CST. They said the funds were still on hold and they couldn't do anything about it.

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 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Dating back to 2022, XXXX has opened 15 different residential accounts using my name and/or social security number that are not mine. I had filed a police report in 2022, and XXXX 's fraud department had an ongoing case. I just received notice of another account opened, and after getting the XXXX account number, I called XXXX with the information. They said that because they sold the account to a collections agency, there is nothing they can do. I don't understand how the company keeps allowing people to open accounts using my information, and then once discovered, says they can not do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Under FCRA Dear [ TransUnion / Experian / Equifax ], I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report, which I obtained through IdentityIQ. These inquiries were not initiated or authorized by me, and I have no prior relationship with some of the entities listed. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with my direct consent or initiated through a permissible purpose are allowed on my credit file. 

The following inquiries are being disputed as fraudulent or unauthorized : Inquiries in Dispute : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion Dispute Reason : I did not authorize these credit inquiries and I do not have any current or pending business relationship or credit applications with these companies. According to Section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), credit reporting agencies must have a permissible purpose and consumer consent before allowing these companies to access my credit file.

As required by the FCRA, I am formally requesting : 1. An immediate investigation into each of the inquiries listed above.

2. Removal of any inquiries that can not be verified with documented consumer authorization.

3. A written response within 30 days of receipt of this letter detailing the results of your investigation.

Enclosed are copies of my government-issued ID and a recent utility bill as proof of identity.

If these inquiries were the result of identity theft, please provide me with the procedures and forms required to file a fraud affidavit or identity theft report.

Thank you for your prompt attention to this matter. I expect resolution within the time frame outlined by federal law. 

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 2025-07-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Under FCRA Dear [ TransUnion / Experian / Equifax ], I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report, which I obtained through IdentityIQ. These inquiries were not initiated or authorized by me, and I have no prior relationship with some of the entities listed. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with my direct consent or initiated through a permissible purpose are allowed on my credit file. 

The following inquiries are being disputed as fraudulent or unauthorized : Inquiries in Dispute : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion Dispute Reason : I did not authorize these credit inquiries and I do not have any current or pending business relationship or credit applications with these companies. According to Section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), credit reporting agencies must have a permissible purpose and consumer consent before allowing these companies to access my credit file.

As required by the FCRA, I am formally requesting : 1. An immediate investigation into each of the inquiries listed above.

2. Removal of any inquiries that can not be verified with documented consumer authorization.

3. A written response within 30 days of receipt of this letter detailing the results of your investigation.

Enclosed are copies of my government-issued ID and a recent utility bill as proof of identity.

If these inquiries were the result of identity theft, please provide me with the procedures and forms required to file a fraud affidavit or identity theft report.

Thank you for your prompt attention to this matter. I expect resolution within the time frame outlined by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-07-21 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: EQUIFAX, INC.
State: TX

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 XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom May I Concern I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) which remains open as of the date of this letter. While I have not yet filed a complaint with the Federal Trade Commission ( FTC ), I am prepared to do so if these violations are not corrected promptly. 
XXXX. Incorrect Address Reporting Violations of FCRA 607 ( b ) The following addresses are not mine and have never been associated with me : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX These addresses are inaccurate, unverifiable, and violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 
I demand these addresses be immediately removed from my credit file. 
XXXX. XXXX Account Inaccurate Charge-Off Reporting FCRA 609 & 611 XXXX Acct # : XXXX2 * High Balance : {$2000.00} Date Opened : XX/XX/year> Status : Charge-Off This account is being inaccurately reported on my credit profile. I am requesting a full reinvestigation under FCRA 611, and I formally request all documentation verifying the accuracy, ownership, and legitimacy of this account under FCRA 609 ( a ) ( 1 ) ( A ). Specifically, I request : Signed original contract with my signature Full payment history Method of verification Date and source of last verification Failure to provide these documents within 30 days will be seen as a violation of the FCRA and may result in legal escalation.

This charge-off is having a direct and negative impact on my creditworthiness, ability to obtain housing, employment, and basic credit services. I am entitled to a credit report that reflects only accurate and verifiable information.

Legal Basis for My Request FCRA 607 ( b ) : Requires Experian to maintain maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : Entitles me to know the sources and nature of the information.

FCRA 611 ( a ) : Requires you to reinvestigate disputed information in a timely and thorough manner.

Final Notice This is my second notice. Should these errors persist beyond the 30-day reinvestigation window without sufficient documentation, I will have no choice but to escalate the matter with the FTC, file suit in small claims court, and notify my state Attorney Generals office.

I expect a response and resolution in writing within 30 days as per the FCRA guidelines. Please send confirmation of the deletion or detailed verification documents supporting the continued reporting of the information.

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