vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notice of : XXXX. XXXX XXXX Account ending # XXXX, XXXX {$69000.00} ( Fraud Commenced XX/XX/XXXX ) XXXX. XXXX XXXX / Account ending # XXXX, XXXX {$20000.00} ( Fraud Commenced XX/XX/XXXX ) XXXX. XXXX XXXX XXXX/ Account ending # XXXX, XXXX {$32000.00} ( Fraud Commenced XX/XX/XXXX ) XXXX. XXXX XXXX/ Account ending # XXXX, XXXX {$9800.00} ( Fraud Commenced XX/XX/XXXX ) I further assert that Innovis has failed to provide a meaningful investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is made in good faith and is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I am a victim of identity theft. My personal information was stolen in XXXX or XX/XX/XXXX. I discovered the theft when I reviewed my annual credit report and found multiple fraudulent accounts. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX XXXX XXXX, Precinct XXXX ( XXXX XXXX, Badge XXXX, Case No. XXXX ) and completed an FTC Identity XXXX Report. 

On multiple occasions, I submitted complete dispute packages to TransUnion requesting a block under FCRA 605B. Each package included my FTC Identity Theft Report, police report, government-issued ID, Social Security card , utility bill, and detailed dispute letters. The submission history includes, but is not limited to : XX/XX/XXXX First 605B dispute package submitted. 

XX/XX/XXXX Follow-up dispute submission. 

XX/XX/XXXX CFPB complaint filed identifying the same fraudulent accounts. 

XX/XX/XXXX Received stall response using the same previously disputed a different way excuse Experian also cited. 

XX/XX/XXXX Furnisher responses confirmed only balance verification, not ownership. 

XX/XX/XXXX Supplemental package submitted including all prior proof. 

XX/XX/XXXX Notice prepared with clear intent to litigate. 

The fraudulent accounts still reporting on my TransUnion file are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite complete compliance with XXXX, TransUnion has refused to block these items within XXXX business days. Instead, TransUnion continues to use stall tactics, claiming the disputes were already handled a different way or verified as accurate. Equifax has already blocked and deleted these same accounts after receiving the identical documentation, and I have submitted proof of those deletions. 

Furnisher responses have been limited to balance checks without providing ownership records, signed agreements, billing ledgers, or Metro 2 compliance data. TransUnions reliance on such inadequate responses is a sham reinvestigation and violates FCRA 605B, 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ).

This pattern of refusal and delay, while other bureaus ( Experian and Equifax ) complied and blocked the accounts, shows willful noncompliance. If TransUnion does not immediately block and permanently delete these accounts, I will move forward with suing in federal court for statutory, actual, and punitive damages, as well as attorneys fees under 1681n and 1681o.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We paid twice in XXXX {$50.00} on XX/XX/XXXX and {$40.00} on XX/XX/XXXX. Payment due for XXXX was {$41.00} and statement was XX/XX/XXXX, so since we paid {$50.00} before the statement it counted toward XXXX instead of XXXX so we were short {$1.00} for XXXX. They charged us {$30.00} Late fee for {$1.00}. We also paid twice in XXXX- {$41.00} both times. This is criminal.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This account is being reported as Closed/Charge-Off with a {$6400.00} past due balance. This reporting is inaccurate, misleading, and unverifiable. The account shows as closed by the credit grantor with a balance owed, but there is no supporting documentation that validates the accuracy of this information. Reporting contradictory or unverifiable data violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which requires deletion of unverifiable information after reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I disputed late payments off my consumer report, I used XXXX XXXX compliance and 15 USC 1681 violating XXXX XXXX no conflict rule and USC 15 1681 FCRA accuracy rule. information was not complete/verifiable and told them to delete the late payments and numerous times they did not delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC
State: GA

Complaint narrative:
I responded to Alliant Capital on XX/XX/year> formally disputing validity of the debt being mine and asked them to cease collections efforts. They still called me on XX/XX/year> from ( XXXX ) XXXX. In my email on XX/XX/year>, I asked to provide the below information and sent by email as they explicitly stated they accept email communication to dispute the debt. I also sent certified mail alongside this as I notified via email that will arrive by 30 day mark from their initial communication. 

Agreement with your client that grants you the authority to collect on this alleged debt. 


Name and address of alleged original creditor and alleged current creditor Documentation from the original creditor verifying that the alleged debtor 's full name, account number, signature and mailing address on file for this account match the name and address you are using to contact me.

The Original Signed Agreement : a copy of the original signed contract or agreement that created the debt.

Amount of alleged debt with full itemization of current amount claimed Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting and chain of ownership of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

4. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

5. The status is incorrect for the following account XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information 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 2025-09-14 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 am a known victim of identity theft. I have been dealing with this already for a few years. I have done everything I was supposed to and filled out all the forms. For the most part, I have been able to rectify this ; however the credit bureaus have failed to remove a few of the fraud accounts and it is really hurting my reputation. I keep sending the documents over and over.

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 2025-09-14 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX # XXXX, XXXXXXXX XXXXTED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGTH 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.

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 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy Delivered the wrong Items to my home and I refused delivery and got a refund which i have proof of. Subsequently they have been dinging my credit score for the amount they allege they are owed. debt has been sold to the company below : XXXX XXXX XXXX XXXX XXXX Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX Re : Formal Dispute, Validation Request, Cease & Desist Notice XXXX  Account Number : XXXX Original Creditor : XXXX XXXX  XXXX Name : XXXX XXXX Original Account Number : XXXX Charge-Off Date : XXXX Current Servicer & Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Please Take Note of the Official Refund from Best Buy regarding this fraudulent charge on Best Buy Items that were returned to Best Buy due to being the wrong item. This document is included as official exhibit. Officially Disputed Outstanding balance USD XXXX XXXX. Formal Debt Dispute & Demand for Validation This letter is a formal dispute of the above-referenced debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I hereby request full validation and accounting, Attachments

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 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing multiple hard inquiries that appear on my Experian and TransUnion credit reports. These same inquiries were previously investigated and removed by XXXX, confirming that they are inaccurate and should not remain on my other reports. Several inquiries are duplicate pulls by the same creditor, such as XXXX XXXX XXXX XXXX, which appears multiple times even though I only submitted one application. Others are the result of auto dealerships shotgun-submitting my credit application to multiple lenders on the same dates. Under the Fair Credit Reporting Act ( FCRA ), these inquiries should not appear as multiple separate entries and are unfairly harming my credit profile. The specific inquiries I am disputing are : Experian : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX / XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX ), XXXX XXXX / XXXX XXXX  XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX duplicate ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) ; TransUnion : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX ), 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 ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX  ) ( XX/XX/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 ), and XXXX XXXX  ( XXXX XXXX XXXX  ) ( XX/XX/XXXX ). Under 15 U.S.C. 1681b, inquiries must have a permissible purpose, and duplicate or excessive shotgun inquiries are not valid separate permissible purposes. Under 15 U.S.C. 1681i, consumer reporting agencies must reinvestigate disputes and delete or correct inaccurate or duplicative information. 15 U.S.C. 1681c requires that only relevant and necessary information be reported, and 15 U.S.C. 1681e ( b ) requires that CRAs maintain reasonable procedures to ensure maximum possible accuracy ; multiple duplicate inquiries for the same credit request do not meet this standard. I am requesting that Experian and TransUnion delete or consolidate all inquiries listed above so my credit reports are accurate, fair, and consistent with the results already applied by 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Issue XXXX : Purchased vehicle XX/XX/XXXX via XXXX XXXXXXXX with auto loan via XXXX XXXX. XXXX was incomplete, as I was told by the representative for XXXX XXXX The vehicle was delivered XX/XX/XXXX and I was told the paperwork would be sent to me. I received the paperwork XX/XX/XXXX and noticed that part of the contract in the buyers signature/initial section, was not my initials, handwriting or not a page I signed. When I contacted both XXXX and XXXX, I was told it would be investigated. I never received a response and when I reached back out around XX/XX/XXXX, I was advised that if I chose to return the vehicle, it would be considered a voluntary repossession, reported to the credit bureaus as such and remain on it for 7 years as a derogatory mark, and would still have me liable for monies, as the value of the vehicle was upside down the loan day 1. I was never able to receive an answer as to whom signed the contract fraudulently ( I've attached proof of the document with someone else 's signature ).

Issue 2 : Ally does not report accurately payment history, payment account balance to the credit bureaus. I have made over {$17000.00} in payments to this company, and yet my credit report reflects payments in the amount of {$4000.00}. I've disputed this multiple times directly with XXXX, was told that it was incorrect, but that is how they report. I've disputed this with the XXXX credit bureaus, and they have done nothing to verify the payment history. ( i've attached the last several months as far back as my bank would allow online ) this has been supplied to both the credit bureaus and Ally, and no updates made. I asked XXXX to provide me with a full history of all payments that I have made and posted to the account, to date have not received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Issue XXXX : Purchased vehicle XX/XX/XXXX via XXXX XXXXXXXX with auto loan via XXXX XXXX. XXXX was incomplete, as I was told by the representative for XXXX XXXX The vehicle was delivered XX/XX/XXXX and I was told the paperwork would be sent to me. I received the paperwork XX/XX/XXXX and noticed that part of the contract in the buyers signature/initial section, was not my initials, handwriting or not a page I signed. When I contacted both XXXX and XXXX, I was told it would be investigated. I never received a response and when I reached back out around XX/XX/XXXX, I was advised that if I chose to return the vehicle, it would be considered a voluntary repossession, reported to the credit bureaus as such and remain on it for 7 years as a derogatory mark, and would still have me liable for monies, as the value of the vehicle was XXXX down the loan day XXXX. I was never able to receive an answer as to whom signed the contract fraudulently ( I've attached proof of the document with someone else 's signature ). 

Issue XXXX : Ally does not report accurately payment history, payment account balance to the credit bureaus. I have made over {$17000.00} in payments to this company, and yet my credit report reflects payments in the amount of {$4000.00}. I've disputed this multiple times directly with XXXX, was told that it was incorrect, but that is how they report. I've disputed this with the XXXX credit bureaus, and they have done nothing to verify the payment history. ( i've attached the last several months as far back as my bank would allow online ) this has been supplied to both the credit bureaus and Ally, and no updates made. I asked XXXX to provide me with a full history of all payments that I have made and posted to the account, to date have not received that.

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 2025-09-14 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Credit Collection Services regarding an inaccurate and inconsistent collection account being reported to XXXX XXXX XXXX XXXX  The account ( Original Creditor : XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/year>, Balance {$100.00} ) is being furnished in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2, as well as Metro 2 reporting standards. The information is not uniform across all credit bureaus, is incomplete, and has not been properly verified despite my dispute. Credit Collection Services has failed to provide documentation confirming the accuracy and ownership of the debt. I request that the CFPB require the furnisher to conduct a proper reinvestigation, provide full verification, and correct or delete any unverifiable or inaccurate information. The continued reporting of this account is causing ongoing harm to my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
Immediate 24-Hour Deletion Request All Inaccurate, Fraudulent, or Unauthorized Credit Report ItemsXX/XX/XXXX Balance {$300.00} To whom it may concern I am writing to formally dispute all information on my credit report as inaccurate, fraudulent, or a result of identity theft, as supported by my attached FTC Identity Theft Report, proof of address, and related documentation. This includes, but is not limited to : All collections, auto loans, credit accounts, rental history, judgments, liens, and inquiries Any accounts inaccurately reported or not authorized by me Under the Fair Credit Reporting Act ( FCRA Sections 609, 611, and 623 ), I demand that you : 1. Immediately delete all disputed accounts and information from my credit report. 2. Provide written confirmation within 24 hours that all items have been removed. No police report is required under FCRA Section 609 ( c ) ( 2 ) when identity theft has occurred, as confirmed by my FTC Identity Theft Report. Failure to comply will result in legal action, including complaints to the CFPB, FTC, and civil action for willful FCRA violations. The continued reporting of these inaccurate items is causing irreparable harm, including denial of housing, loans, and essential services. XX/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 explanation