vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading credit reporting on my mortgage account during an active, disaster-related forbearance plan. 

I was approved for multiple forbearance agreements beginning in XX/XX/year> due to XXXX XXXX. Each agreement ( with XXXX XXXX  and later with XXXX XXXX XXXX Bank ) expressly stated that no payments were due during the forbearance period and that no delinquency status would be reported to the credit bureaus. I remained in full compliance with these agreements at all times. 

Despite this, my mortgage servicer reported my account as XXXX  days late ( XXXX XXXX Code XXXX ) during the forbearance period, instead of reporting it as current with the AW Affected by Natural Disaster special comment code required by HUD policy and XXXX XXXX industry standards. 

I filed disputes with XXXX, XXXX, and TransUnion, providing copies of my forbearance agreements as evidence that no payments were due and no delinquency reporting was permitted. Despite having this evidence, all three credit reporting agencies verified the inaccurate XXXX  days late status, thereby allowing the false information to remain on my credit file. 

This failure to correct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a reasonable reinvestigation and consider all evidence submitted by the consumer. By disregarding the documentation I provided, the agencies failed in their duty to ensure the accuracy and integrity of my credit file. 

As a result, I have suffered a significant credit score reduction, higher borrowing costs, increased insurance premiums, loss of credit opportunities, and emotional distress. 

I request that the CFPB require Experian, Equifax, and TransUnion to : Delete the false delinquency reporting ; Correct my account to reflect its true status ( current with disaster forbearance code AW ) ; and Ensure that future reporting complies with federal law and industry standards.

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 2025-08-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading credit reporting on my mortgage account during an active, disaster-related forbearance plan. 

I was approved for multiple forbearance agreements beginning in XX/XX/year> due to XXXX XXXX. Each agreement ( with XXXX XXXX  and later with XXXX XXXX XXXX Bank ) expressly stated that no payments were due during the forbearance period and that no delinquency status would be reported to the credit bureaus. I remained in full compliance with these agreements at all times. 

Despite this, my mortgage servicer reported my account as XXXX  days late ( XXXX XXXX Code XXXX ) during the forbearance period, instead of reporting it as current with the AW Affected by Natural Disaster special comment code required by HUD policy and XXXX XXXX industry standards. 

I filed disputes with XXXX, Equifax, and XXXX, providing copies of my forbearance agreements as evidence that no payments were due and no delinquency reporting was permitted. Despite having this evidence, all three credit reporting agencies verified the inaccurate XXXX  days late status, thereby allowing the false information to remain on my credit file.

This failure to correct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a reasonable reinvestigation and consider all evidence submitted by the consumer. By disregarding the documentation I provided, the agencies failed in their duty to ensure the accuracy and integrity of my credit file. 

As a result, I have suffered a significant credit score reduction, higher borrowing costs, increased insurance premiums, loss of credit opportunities, and emotional distress. 

I request that the CFPB require Experian, Equifax, and TransUnion to : Delete the false delinquency reporting ; Correct my account to reflect its true status ( current with disaster forbearance code AW ) ; and Ensure that future reporting complies with federal law and industry standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
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 7 years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank discovered that my accounts were showing fraudulent activity at first. After further investigation, multiple accounts were found that were created using my name/identity within the bank. The fraud department refused to give a resolution for the cards that were created. I have been unable to dispute these cards nor be refunded the money that was drafted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MO

Complaint narrative:
there was no proof that the debt belongs to me. i sent a request asking for proof to validate the debt belongs to me and nothing was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a XXXX American Express card with American Express creditor. My annual fee is approximately {$690.00}. I made a few purchases and set monthly automatic payments set for approximately {$150.00} although the minimum monthly payment after card usage is {$85.00}. Today I wanted to purchase a vehicle in the amount of {$24000.00}. So, I verified my card spending power, which is a feature on the app, enabling card holders to verify the card true limits. I received a message displaying the card has reach its full spending capacity. So, I re-entered different amount of {$10000.00} and the same message displayed the card reach its full spending capacity. So, I tried {$5000.00} and same message displayed. I tried {$2000.00} and amount was approved. I also have a card balance in good standing of approximately {$2400.00}. So, with that being said the XXXX card does have a preset spending limit of {$4400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am disputing a fraudulent account appearing on my credit report. I never applied for, authorized, or maintained such an account. Its presence is an error that is damaging to my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 explanation
Consumer complaint received 2025-08-20 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/, I used XXXX to pay {$290.00} XXXX XXXX  of XXXX Florida XXXX XXXX XXXX who posed as a credit repair specialist. He promised to pull my credit and send dispute letters but did not perform any services and has become unreachable. This was a fraudulent transaction. The individual also violated the Credit Repair Organizations Act by charging upfront for credit repair services. I am requesting that my bank investigate and reverse this XXXX payment.

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 2025-08-20 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: MI

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple pieces of inaccurate and unverifiable information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

First, my report shows addresses that I have never lived at and have no connection to me, including XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX and XXXX XXXX XXXX XXXX, MI XXXX. These addresses are false and create the risk of mixed files and identity confusion. Under FCRA Section 607 ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy, but these false addresses prove that the procedures have failed.

Second, there are numerous accounts being reported with incorrect, misleading, or unverifiable information. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all appear with inaccurate balances , dates, and payment histories. These items are damaging and unverifiable. Under FCRA Section 611, I requested reinvestigation, but Equifax has continued to report this information without providing proper validation. 

Third, multiple third-party collection agencies are reporting duplicate or unverifiable accounts on my file, includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX These entries are inconsistent, conflicting, and in many cases duplicates. The continued reporting of these accounts violates FCRA Sections 604, 607 ( b ), and 611.

The presence of wrong addresses, unverifiable accounts, and duplicate collections makes it clear that Equifax is not maintaining my file with the accuracy required by federal law. This is causing significant harm to my creditworthiness, preventing me from obtaining fair access to credit, housing, and financial opportunities. 

I am requesting that the CFPB require Equifax to : Delete all unverifiable and inaccurate addresses from my file. 

Permanently delete all accounts and collections that can not be fully verified with complete documentation. 

Provide me with written results of the reinvestigation confirming compliance with the FCRA. 

Equifax has failed to meet its legal obligations, and I am asking the CFPB to hold them accountable and ensure that my file only reflects accurate, verifiable, and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$45000.00} XXXX  XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$67000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My SSN does not match with XXXX XXXX because it is wrong in Transunion. Is there anyone that can fix this. I cant build credit even with a credit card because of this. And its ruining my life.

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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to formally dispute an account that has been inaccurately reported under my identity. This account is fraudulent, unauthorized, and has no connection to me. Its inclusion is both harmful and unacceptable.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint due to Citibanks complete mishandling of a clear case of fraud on my checking account. I reported suspicious, back-to-back transactions for nearly identical amounts made in another state, charges that are clearly inconsistent with my usual spending behavior. 
Despite this, Citibank denied the dispute, claiming the charges looked consistent, and a fraud department rep told me the merchant ( or criminal ) " didn't want to give the money back '', as if that should end the matter. I was even told it was up to me to prove the fraud, and they couldn't explain what the charges were even for. 
I've banked with Citibank for over 20 years, and this experience has been frustrating, dismissive, and unacceptable. Ive submitted all available information to assist with their investigation, but they have failed to act responsibly or fairly. 
Im seeking a proper re-investigation, reversal of the fraudulent charges, and accountability for how this was handled.

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