vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/year> I overdrew my Citizens Bank checking acct from a purchase from XXXX of {$150.00}. 
XX/XX/year> Citizens Bank informed me that my account was overdrawn at XXXX. 
XX/XX/year> I made a deposit of {$100.00} to my checking acct at appx XXXX that brought my available funds to {$160.00}. 
XX/XX/year> Citizens Bank posted the XXXX XXXX at XXXX that brought my available funds to {$15.00}. 
XX/XX/year> The same XXXX transaction was placed on my acct as a hold although it was already paid ( " phantom transaction '' ). The phantom transaction brought my account to an overdrawn again. 
XX/XX/year> Citizens Bank charged me an overdraft fee of {$35.00}. 
XX/XX/year>. I made a deposit of {$200.00} that brought my account bal to {$180.00}, but my available bal to {$30.00}. 
XX/XX/year> Citizens Bank refunded my overdraft fee of {$35.00} to be posted on XX/XX/year>. The verbal explanation I was provided was that it was their way of being able to pay XXXX. 

My complaint is that Citizens Bank ( " the bank '' ) duplicates transactions to charge overdraft fees. It also erroneously withholds customer 's funds even if the customer brings the account balance to XXXX. In my case, the duplicate transaction does not have a transaction number ( according to XXXX in my case ) so the company that has already been paid can't dispute it. The bank also falsely advertises that they will not charge an overdraft fee if an account is brought to XXXX  by XXXX the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am formally requesting that the dispute comment associated with the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please review this complaint carefully, as it was not submitted in error. My credit report appears to contain mixed or merged information, including accounts, transactions, and other items that do not belong to me. This is a serious issue that is causing significant stress, anxiety, and potential damage to my financial reputation.

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 2025-06-20 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-19 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: DC

Complaint narrative:
Equifax has been wrongfully reporting a repossession on my credit after I have told them multiple times it does not belong to me. They claim they are looking into it and providing me with proof that it was me but they never do. If an account was opened with my information it is clearly FRAUD and I have said that multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX  XXXX XX/XX/year> TransUnion XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you to formally dispute fraudulent credit inquiries that have appeared on my credit reportinquiries that I did not authorize, initiate, or have any knowledge of. I am a victim of identity theft, and these inquiries were made without my consent and without any permissible purpose under the law.

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 2025-06-19 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: LEXISNEXIS
State: MD

Complaint narrative:
LexisNexis Risk Solutions is violating federal law. The company is not acting in good faith. On XX/XX/XXXXXXXX, they closed my complaint by saying they could not identify me. This is a lie and this company has bad actors acting illegally. 

On XX/XX/XXXXXXXX, I sent certified mail to LexisNexis at the following addresses, which were successfully delivered and signed off by LexisNexis. ( See attached Tracking Numbers XXXX and XXXX ) : LexisNexis XXXX XXXX XXXXXXXX XXXX, GA XXXX LexisNexis XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/XXXXXXXX, I called LexisNexis three times at XXXX and was hung up on by three different representatives named XXXX, XXXX, and XXXX. 

LexisNexis failed to comply with the Fair Credit Reporting Act ( FCRA ). My dispute on XX/XX/XXXX/XXXX  was never responded to. The company already has my identity and is being untruthful. My dispute letter was accompanied by my drivers license and two utility statements. 

The companys actions have caused significant inconvenience and harm to my credit profile. This is negatively impacting my access to fair credit and finance opportunities. They have neglected to take proper action, lacked accountability and compliance with federal laws : 15 U.S.C. 1681, 15 U.S.C. 1681b, 15 U.S.C. 1681s-2, and 15 U.S.C. 1681e ( b ) I have a right to have the items I disputed removed immediately. LexisNexis did not respond timely. The data is listed inaccurately on LexisNexis ( and other agencies ). Data is not consistent and multiple addresses and incorrect items are causing me harm. Disputes for item XXXX Bankruptcy XXXX MARYLAND were sent via mail on XX/XX/XXXX and XX/XX/XXXX. 

In my dispute on XX/XX/XXXX, as of XX/XX/XXXX I have not received a response, updates, or any communication from the company until they closed my XX/XX/XXXX CFPB complaint. 

My credit scores are stagnant, however I have an excellent payment history. My scores should reflect this. I am unable to be approved for loans as well as receive the best rates. There should not be any derogatory and/or negative items on my report. The agency has no permissible purpose to include public records. What is more, the courts do not disclose information to reporting agencies. My documents are attached. 

LexisNexis did NOT respond within 30 days of the XX/XX/XXXX dispute, its now been five months. I want to have this item XXXX Bankruptcy XXXX MARYLAND removed. And to remove all addresses and marketing on their files/records. The only address should be my current one in XXXX MD. 

CFPB please do not allow this case to be closed without ALL items removed from my consumer report with LexisNexis. They have not been compliant with consumer laws and created a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-06-20 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: WA

Complaint narrative:
" XXXX  '' date fraud began : XX/XX/XXXX {$4100.00}. " XXXX '' ( XXXX XXXX ) date fraud began XX/XX/XXXX {$1900.00}. " XXXX  XXXX '' date fraud began XX/XX/XXXX {$1800.00}. " XXXX/XXXX  '' date fraud began : XX/XX/XXXX {$0.00} balance, {$600.00} credit limit. Date fraud began are the dates account were opened according to 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 non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XXXX XXXX Date : XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts in question were added to my credit file without my consent. I had no knowledge of them and request their prompt removal under 15 U.S. Code 1681g. Please act within 15 days. Documentation is attached.

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 2025-06-20 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: NV

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 2025-06-20 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am formally requesting the immediate deletion of the DEPT OF ED XXXX account currently being reported on my credit file, with a listed balance of {$30000.00}. 

I previously disputed this account with XXXX due to inaccurate reporting of late payments. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified anddeleted the account entirely from my XXXX credit report. 

For your review, I am attaching the official deletion confirmation from XXXX. 

As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute.

Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy.Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. 

Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA.If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs.

Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. 

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 non-monetary relief