vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a XXXX party filing this. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I am filing a formal complaint against Citibank , N.A . for unlawful and misleading credit reporting practices involving a charged-off credit card account. 
The account was charged off on XX/XX/year>, and subsequently sold to a third-party debt collector, XXXX XXXX XXXX XXXX XXXX ). Despite no longer owning the debt, Citibank continues to report an active balance of {$4600.00}, which is XXXX XXXX of the original {$3500.00} credit limit, without providing any accounting or itemized breakdown to justify that inflated amount. 
I submitted a formal written debt validation request to Citibank requesting the following : A signed original credit agreement bearing my signature A full and itemized accounting of charges, fees, payments, and interest Documentation proving Citibanks current legal right to report or collect on this account To date, Citibank has failed to respond with any legally sufficient documentation. They continue to report the account to all three credit bureaus even though the debt has been sold to XXXX and they no longer have ownership or standing. This constitutes willful misrepresentation of ownership and status. 
Their continued furnishing of this tradeline violates multiple federal laws and regulatory obligations, including : FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting inaccurate, misleading, and outdated information by continuing to list a balance on a charged-off, sold account. 
FCRA XXXX ( a ) Failing to reasonably investigate my formal dispute submitted via mail. 
FDCPA XXXX ( b ) Failing to cease collection or reporting activity after a proper validation request. 
XXXX XXXX. XXXX Engaging in deceptive, unfair, and abusive acts or practices ( XXXX ) under the XXXX XXXX XXXX XXXX. 
XXXX reporting fails to reflect the sale of the account, continues to show an inflated and unverified balance, and falsely suggests that I still owe a debt to them all of which are materially misleading and damaging to my credit profile. 
I am requesting the following action from the CFPB : Immediate and permanent deletion of the Citibank tradeline from all consumer credit reporting agencies A full regulatory investigation into Citibanks credit furnishing policies related to charged-off and sold debt A written response confirming Citibanks compliance with their obligations under the FCRA, FDCPA, and XXXX I have screenshots of the credit reporting, a copy of my original validation letter sent via certified mail, and proof of Citibanks failure to respond or validate the debt. 
I respectfully request this matter be escalated and resolved as this account is causing material harm to my creditworthiness based on fundamentally inaccurate and unverified reporting.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Universal Payment Corporation
State: TX

Complaint narrative:
i ask the credit agencies to send me the original bill that i signed from XXXX XXXX XXXX Its been over thirty days now still no response in the mail or email address the amount is XXXX please delete what's not also i had indentity theft going on.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-26 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX many years ago, but that account was closed a long time ago and I do not owe them any money. Despite this, XXXX XXXX XXXX XXXX placed a negative report in ChexSystems saying I owe them which is not true. 

This report is now preventing me from opening new bank accounts. I believe it XXXX be due to identity theft or an error. I have already taken steps to protect myself : I filed an identity theft report I froze all XXXX of my credit bureau accounts ( XXXX XXXX XXXX XXXX  ) I contacted ChexSystems and requested that the incorrect record be removed ChexSystems refuses to delete the report, even though I explained everything and showed that this debt is not valid. Making matters more confusing, XXXX XXXX XXXX XXXX became XXXX, and XXXX recently sent me a check as if they owe me money not the other way around. 

This situation is very stressful and confusing, and ChexSystems is making it worse by not cooperating or fairly reviewing my dispute. I am asking for this to be investigated and for the incorrect report to be removed so I can move forward financially.

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 2025-06-26 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: CA

Complaint narrative:
I had a checking account with XXXX XXXX XXXX XXXX many years ago, but that account was closed a long time ago and I do not owe them any money. Despite this, XXXX XXXX XXXX XXXX placed a negative report in XXXX  saying I owe them which is not true. 

This report is now preventing me from opening new bank accounts. I believe it XXXX be due to identity theft or an error. I have already taken steps to protect myself : I filed an identity theft report I froze all XXXX of my credit bureau accounts ( XXXX XXXX and TransUnion ) I contacted XXXX and requested that the incorrect record be removed XXXX refuses to delete the report, even though I explained everything and showed that this debt is not valid. Making matters more confusing, XXXX XXXX XXXX XXXX became XXXX, and XXXX recently sent me a check as if they owe me money not the other way around. 

This situation is very stressful and confusing, and XXXX is making it worse by not cooperating or fairly reviewing my dispute. I am asking for this to be investigated and for the incorrect report to be removed so I can move forward financially.

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 2025-06-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 XXXX 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 CA XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: TX

Complaint narrative:
Signed up for smile direct club, healthcare finance direct was the creditor. Requested cancellation within my 30 day window on XX/XX/year> via email and phone call with a representative. Was told they would get back to me in XXXX business days with additional information, XXXX never get back to me and then they file bankruptcy. No longer able to even continue treatment. XXXX sells my debt to TekCollect debt collector who called me at XXXX at night and has harassed me for 3 days now by calling from different numbers and hanging up when I answer and laughing at me when I demand they stop contacting me. Call me at XXXX with the sole purpose to disturb my peace. Email me about debt I should not owe because I cancelled my treatment with smile direct but they did not cancel it properly before going bankrupt and leaving me high and dry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
As for when you file the CFPB complaint for the late payments. I want you to put this in the COMPLAINT section In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 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.

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 2025-06-26 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-26 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: TX

Complaint narrative:
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, TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1900.00}

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 2025-06-26 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the victim of a fake job scam involving a fraudulent check. I deposited the check into my Wells Fargo account and followed instructions to use part of the funds ( {$2400.00} ) to purchase items and return the rest. I was unaware it was a scam until the check was flagged as fraudulent. 

I contacted the bank immediately and reported the incident. They told me the account would be closed due to fraud, and that it is likely I will not be reimbursed. As of today, I have not received an official decision from the bank.

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 2025-06-26 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:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX. XXXX 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 perminent.This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX -- XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Experian credit reporting agency block this account, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint permanently. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. Failure to comply with federal law will result in legal actions against your agency.

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 2025-06-26 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: CT

Complaint narrative:
On XX/XX/2025 I sent a letter to Equi-fax requesting removal of detailed unauthorized inquiries from my credit report. I received no response nor changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXX XXXX ) ( XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

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 2025-06-26 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: KY

Complaint narrative:
As for when you file the CFPB complaint for the late payments. I want you to put this in the COMPLAINT section In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IL

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 2025-06-26 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:
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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment of XXXX towards the principal of my home mortgage loan with PennyMac. This amount was not applied to principal as I saw no reduction. I used their messaging center to inquire where the payment went. On XX/XX/XXXX I spoke with customer service on the phone, and discovered the payment was put to escrow. I requested that PennyMac put the amount to principal. The customer service person on the phone said they would adjust it. However, no changes were made. 

Another message was sent in the messaging center on XX/XX/XXXX to PennyMac with no changes.

Company response to consumer: Closed with explanation