vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I submitted all required documents over 4 days ago and the accounts have now been removed.Under federal law, you are obligated to block and remove these items within four business days of receiving my dispute and documents. You are now out of compliance.I demand immediate deletion and confirmation within 5 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I submitted all required documents over 4 days ago and the accounts have now been removed.Under federal law, you are obligated to block and remove these items within four business days of receiving my dispute and documents. You are now out of compliance.I demand immediate deletion and confirmation within 5 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX XXXX am writing to express my serious concern regarding the prolonged restriction on my Citibank account, which has left my verified funds inaccessible for over 30 days. Despite my repeated efforts to resolve this issue through customer service and the fraud department, no clear explanation or actionable resolution has been provided. 
On XX/XX/2025, I deposited funds into my account, which were verified and made available, as confirmed by bank statement. However, my account was subsequently locked due to XXXX activity and I have been unable to access my funds. This restriction has caused significant financial hardship, including inability to buy food, baby formula, school tuition as well as pay rent and bills. 
I understand that Citibank has procedures to protect against fraud, but the lack of transparency and delay in resolving this matter is unacceptable. I respectfully request the following : 1. Immediate release of my verified funds or a clear timeline for resolution.

2. A detailed explanation of why my account remains locked despite verification of funds.

3. Confirmation that Citibank will cover any fees or losses incurred due to this restriction, such as overdraft fees or penalties. 
I have already contacted Citibanks customer service and fraud department on multiple occasions and even spoke with branch manager XXXX XXXX without satisfactory resolution. Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) on XX/XX/2025, as I believe Citibanks actions may not fully comply with banking regulations. 
Please address this matter urgently and respond in writing within XXXX business days. You may contact me at XXXX or XXXX If this issue is not resolved promptly, I will explore further legal and regulatory options to protect my rights. 
Thank you for your immediate attention to this critical 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 2025-06-25 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: IL

Complaint narrative:
I am a victim of identity theft due to a data breach, and several fraudulent accounts were opened in my name. These accounts appear on my credit reports with Equifax. I never authorized or opened these accounts. 

I submitted disputes with the credit bureaus and provided supporting documents, including my ID, proof of address, SSN, and an FTC Identity Theft Report. 

Despite my efforts, the fraudulent accounts remain. I am requesting the CFPBs assistance to have these negative entries permanently deleted and to ensure no further identity theft-related damage occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Radius Global Solutions LLC
State: MI

Complaint narrative:
I tried to dispute the collection off my credit report. Radius Global Solutions LLc opened on XX/XX/year> it was deleted off my credit report at first but than it showed back up under another name in the amount of 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 2025-06-25 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Multiple accounts of services not being performed on date told and after providing payment of services. Loss of business revenue due to business checks not being ordered after waiting XXXX XXXX  for checks that were never coming. On a personal account a check was put on a XXXX XXXX hold for some reason, while multiple checks were deposited during the same week without issue. Numerous issues with local branches management or lack there of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me XXXX XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am writing regarding unauthorized inquiries on my Equifax credit report. 
My personal data was breached by the XXXX XXXX XXXX. This breach may have contributed to the unauthorized inquiries on my credit report. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I formally request that Equifax block this fraudulent information from my credit report. These inquiries were not authorized by me, and as such, they are inaccurate and must be removed. Additionally, Equifax is required under the FCRA to notify all furnishers of this information and ensure that these inquiries are blocked from my credit report. 

Here is a list of the fraudulent inquiries that must be deleted immediately : Equifax - XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX Experian - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX - XXXX XXXX  XXXX : XX/XX/XXXX Transunion - XXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX To comply with Section 605B of the FCRA, please take the following actions immediately : XXXXBlock the fraudulent inquiries listed above from my credit report. 
XXXXSend notifications to all furnishers of this information, informing them that these inquiries resulted from identity theft and must be blocked. 
XXXXProvide written confirmation that these inquiries have been deleted and that all necessary steps have been taken to resolve this matter. 

I am including a copy of my government-issued ID, social security card, US passport XXXX proof of address, and the FTC Identity Theft Report so you may verify my identity and process this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the deletion of these fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding has a debt on my credit file that i owe them {$17000.00} from a debt that i never borrowed from them please remove this from all three of my credit profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I got a XXXX XXXX XXXX through Barclays and they advertise that you get XXXX free bag and a free flight to XXXX  if you charge x amount of dollars on the card I paid XXXX yearly fees of {$100.00} to Barclays and also charged XXXX of dollars to get the flight points to find out that the points are not enough to flight to and from XXXX  only a XXXX way ticket and they did not give me a free bag like they said they would. They then charged me {$40.00} for a bag. They need to reimburse me {$100.00} for the yearly membership and {$40.00} for a bag fee so they owe me {$140.00} they are false advertising to get people to get there XXXX XXXX promising this but not delivering. I would have never kept the card a XXXX year and paid them another {$100.00} if I had known they were not going to cover my bag fee like they advertised. Therefore they need to pay me {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Please consider this letter a formal dispute concerning fraudulent accounts currently listed on my credit report. I did not open or authorize these accounts, and their presence has caused undue XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is a collection agency. XXXX XXXX or XXXX Bank sold this paid debt to XXXX. XXXX said that the account was open on XX/XX/XXXX of XXXX. No it was not. It was open in XXXX and paid off in XXXX. I have copies of the checks. The amount indicated on the XXXX bill is wrong. It was paid off and card was closed in XXXX. 

XXXX came on the scene recently. Again it is a paid debt that was open XXXX to 8 years ago and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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