vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I activated a Citi credit card merchant offer through the Citi mobile app. The offer terms stated that I would receive 10 % cashback for making an online purchase directly from the merchants official websiteXXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I made a qualifying purchase on the official XXXX XXXX XXXX website totaling {$1400.00}, which should qualify for {$140.00} in cashback. Despite meeting all the stated requirements, the cashback has still not posted to my account. Typically, credits from Citi merchant offers post within a few days. In fact, I recently received a credit from a separate merchant offer for a purchase made only four days ago, so this delay is unusual and inconsistent.

I contacted Citi customer service to determine whether this delay was normal. During the call, I was transferred between eight different representatives, none of whom appeared to understand the issue or provide any assistance. I was told to contact the merchant myself or to simply wait, neither of which addresses the problem or aligns with the terms of the merchant offer. The lack of support and clarity has left me without the cashback I am owed and with no resolution from Citi when I spent almost 2 hours on the phone.

I am requesting the CFPBs assistance in obtaining the cashback credit I qualified for and in ensuring Citi provides accurate and adequate support for issues related to its merchant offer program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
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 2025-11-25 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate 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 2025-11-25 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Dear CFPB, XXXX Equifax,, XXXX XXXX, XXXX XXXX, XXXX  ( XXXX ), and XXXX XXXX delete these XXXX charged-off accounts via manual reinvestigation not e-OSCAR automation. All are inactive since XXXX but illegally refreshed in XXXX, violating Metro 2 and FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ). Prior disputes " resolved '' ignoring consumer disagreement. New evidence : XXXX updates without activity, unverifiable. 
Accounts & Specific Metro 2 Violations : XXXX # XXXX XXXX XXXX XXXX XXXX  Last reported XXXX ; inactive since XX/XX/XXXX ( XXXX  ) or XX/XX/XXXX ( XXXX ). Violations : XXXX XX/XX/XXXX past due/balance accrual prohibited ( {$9900.00} balance/ {$3900.00} past due ) ; XXXX XXXX " consumer disagrees '' ignored/suppressed ; inconsistent limits/high credit ; no XXXX XXXX XXXX. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX ; inactive since XX/XX/XXXX. Violations : XXXX XXXX XXXX refresh illegal ; XXXX XXXX past due not frozen ( {$1700.00} ) ; XXXX XXXX " consumer disagrees '' not applied to suppress history ; XXXX XXXX over-reported " XXXX  ''. 

XXXX  # XXXX * * * XXXX reported XX/XX/XXXX ; inactive since XX/XX/XXXX. Violations : XXXX XX/XX/XXXX charge-off amount/DOAI not fixed ( {$12000.00} balance past due ) ; no XXXX XXXX DOFD ; XXXX XXXX derogatory extension without evidence. 

XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Last reported XXXX ; inactive since XX/XX/XXXX. Violations : Field XXXX DOAI update prohibited ; XXXX XXXX past due mismatch ( {$5500.00} ) ; XXXX XXXX " CO '' codes inaccurate post-freeze. 

XXXX XXXX # XXXX * * XXXX reported XXXX ; inactive since XX/XX/XXXX. Violations : XXXX XXXX post-cancellation refresh ; XXXX XX/XX/XXXX balance/past due unfrozen ( {$4100.00} ) ; inconsistent high credit/limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX. XXXX XXXX Date XXXX. XXXX  Date of inquiry : XXXX. XXXX. XXXX  CARD Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX consumer account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
The following companies, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are in violation and need to be removed off my credit report in accordance with Predatory Lending Elimination Act ( S.3549 ) 140B.

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 2025-11-25 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I am filing this complaint against CIT Bank for what I believe to be unauthorized account closure, misappropriation of funds, and deceptive bonus-related practices. 

On XX/XX/year>, I opened a CIT Bank checking and XXXX XXXX account and deposited {$52000.00} for the explicit purpose of qualifying for a {$300.00} checking bonus and {$100.00} savings bonus, as advertised by CIT Bank at the time of account opening. 

After meeting the terms, I withdrew the {$52000.00} but left money in both accounts : Checking : {$100.00} XXXX XXXX  : {$130.00} On XX/XX/year>, CIT Bank closed both of my accounts without any prior notice, explanation, or communication. When they closed my accounts, they confiscated my remaining balances totaling {$230.00}. 

I want to clearly state : I never authorized CIT Bank to close my accounts. 
I never authorized CIT Bank to seize my funds. 
CIT Bank provided no notice, no reason, and no return of my money. 

This conduct is not only unethical it appears criminal. A bank can not legally : Terminate accounts without notice Withhold customer funds Treat deposited balances as forfeited assets I demand : 1. Immediate return of my {$100.00} checking balance 2. Immediate return of my {$130.00} XXXX XXXX balance 3. A full explanation of why my accounts were closed without notice 4. Confirmation that CIT Bank will not falsely report anything negative to XXXXs or credit bureaus related to their own misconduct I am requesting that the CFPB review CIT Banks actions for potential violations of : The Truth in Savings Act UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) Federal banking regulations regarding account closure and customer fund handling I have documentation proving my deposits, withdrawals, and ending balances prior to CIT Bank taking my money. I will provide all records upon request. 

Please investigate this immediately. CIT Banks conduct is unacceptable, unethical, and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I am submitting a complaint regarding multiple student loan accounts reported by XXXX XXXX on my credit reports with TransUnion. 

These accounts are marked as closed, yet they continue to report outstanding balances ranging from approximately {$2400.00} to over {$8600.00}. Additionally, they are flagged with the remark ACCT IN DISPUTE ; RESOLUTION PENDING ( XXXX ) for several months now, with no resolution, explanation, or supporting documentation ever provided by XXXX. 

Each account is also reporting a payment status of XXXX, which falsely implies that I am actively making on-time payments. However, no active repayment schedule exists, and the loans are not currently in deferment or forbearance based on my records. 

I have attempted to obtain accurate reporting from XXXX and the credit bureaus. To date, the accounts have not been updated, corrected, or removed. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : Furnishers must report accurate and complete information.

15 U.S.C. 1681s-2 ( b ) : After a consumer dispute, if information is found to be inaccurate or unverifiable, it must be corrected or deleted.

15 U.S.C. 1681i : Credit reporting agencies must investigate disputed information and update or delete any inaccurate data. 

Since the tradelines remain marked as in dispute for an extended period with no action, and balances remain on closed accounts, this represents inaccurate and incomplete reporting that harms my credit profile.

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