vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/scrub> 2025

, I submitted a formal dispute to EQUIFAX under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ). More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period. Provide the results of the reinvestigation and the verification procedures. Remove unverifiable information from my report. As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
In XX/XX/2023 I bought furniture from XXXX XXXX XXXX XXXX, on a two year no interest offer. The extra payments I made were not applied to my promotion, and now they are charging me interest. I have reported to XXXX. I was then referred here. I also paid extra in XXXX, but can not find the documentation. 

Extra pay dates XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
New Complaint : Truist Bank Falsehood I have corresponded with Truist Bank with truth, evidence, facts to support my case. Truist Bank owe back the late fees it falsely received. Attached is a copy of the letter I received form Truist Bank with untruth concerning my account and reasons, Excerpt : Our records reflect that the online banking payment for XXXX made on XX/XX/year> was returned unpaid for no account found XX/XX/year>. Attached you will find payment confirmation number XXXX for XX/XX/year> amount XXXX the payment was not late as stated. Also, I double the amount for XXXX and XXXX in the amount of XXXX the payment was successfully received, confirmation number XXXX. Document attached However, each payment amount XXXX was reverse due to the bank manipulative database transaction system. Document attached. To create late fees on customers account. Once again, with this evidence I am requesting Truist Bank to remove it negative report to each Credit Bureau 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 2025-08-19 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: EQUIFAX, INC.
State: NY

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 XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: NC

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

1681c2 ) that you, the Experian 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 : INQUIRIES : 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 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, as proof from the US 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Issue : Missing refund from cancelled airline ticket booked through Citi XXXX XXXX  I booked a XXXX XXXX  through the Citi XXXX XXXX portal using a combination of Citi XXXX points and my Citi credit card. The flight was later cancelled by XXXX. 

XXXX confirmed that the full refund was issued back to the original form of payment. However, because Citi uses an internal/virtual card when processing XXXX XXXX bookings, the refund went entirely back to a card number I do not recognize, which XXXX confirmed XXXX to Citis XXXX  payment processor. 

As a result, Citi is holding the refund but has not credited anything back to me. I have not received : The cash portion of the ticket back on my Citi card ; or The points portion reinstated to my XXXX Rewards account. 

I have contacted Citi multiple times and provided XXXX refund confirmation, but Citi has not resolved the issue. They continue to tell me I can dispute the charges with XXXX, but I believe that is the incorrect next step. 

This has left me without any refund, neither cash nor points, even though XXXX processed the refund almost two months ago.

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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Subject : Debt Validation Request Dear EDFINANCIAL, I am writing in response to your communication alleged debt collection. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy. 
Please provide the following information to validate the debt : 1.The name and address of the original creditor. 
2.Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement with the creditor. 
3.A detailed account statement showing the full amount of the debt, including the principal, interest, fees, and any other charges, along with an explanation of how the total was calculated. 
4.Documentation demonstrating that your company is authorized to collect this debt, including any agreement with the original creditor assigning the debt to your agency. 
5.Verification that the statute of limitations for this debt has not expired. 
Until this debt is validated, I dispute its validity in its entirety and request that you cease all collection activities, including reporting this debt to credit bureaus, as required by the FDCPA. Additionally, please confirm in writing that you have received this request and provide the requested documentation within 30 days. 
Please send all correspondence and documentation to the address listed above or via email to XXXX. Be advised that this is not a refusal to pay but a request for verification to ensure the debt is accurate and legally enforceable. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Im disputing a rental debt FCO is collecting for XXXX XXXX ( XXXX XXXX ). On XX/XX/2025, the propertys assistant manager ( XXXX ) emailed me that, after a Fair Housing Act reasonable accommodation, all non-utility/non-standard-cleaning charges were removed and my balance was {$810.00} all-in ( utilities + standard cleaning ). My {$350.00} security deposit had previously been applied to rent/accelerated-rent items that were later removed ; I requested that the deposit be reapplied to any remaining valid charges. 

On XX/XX/2025 I sent FCO a written dispute/validation request with XXXX email and my date-stamped move-out photos showing the unit was clean. I asked for : the full ledger showing removal of accelerated rent and deposit reallocation, the final move-out statement/deposit disposition, original utility provider bills with start/end meter reads for XXXX, and cleaning photos + invoices/receipts/work orders. 

On XX/XX/2025 FCO sent a verification demanding $ XXXXhich appears to be a pre-credit subtotal that ignores the landlords FHA adjustment to {$810.00}. FCO later emailed a confusing ledger summary ( adding back accelerated rent and then applying another credit ) but still insists on {$2500.00} without providing provider bills or cleaning photos/receipts. A ledger printout is not validation. Utilities on their own summary total about {$400.00} and cleaning/paint/carpet about {$350.00} ; after reapplying my {$350.00} deposit, the maximum collectible should be far lowerand if cleaning isnt substantiated, even lower. 

I asked for written-only contact and for any tradeline to be marked disputed. This ongoing attempt to collect the wrong amount, despite the landlords written confirmation and my photos, is causing significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-19 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: EQUIFAX, INC.
State: NJ

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

1681c2 ) that you, the Equifax 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/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} 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 US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Portfolio Recovery Associates, I've reached out several times for you to provide validation of debt and I have NOT RECEIVED THIS INFORMATION. IF YOU CAN NOT PROVIDE VALIDATION OF DEBT THIS MUST BE DELETED FROM MY CREDIT REPORT. YOU ARE CURRENTLY ACTING AGAINST THE LAW. 

CFPB THIS IS MY 3RD ATTEMPT. 

I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and request that you provide full validation of the debt before I take any further action. Please provide the following information : The name of the original creditor and the original account number. The amount of the alleged debt, including a breakdown of any fees, interest, or other charges. A copy of the original contract or agreement bearing my signature, if applicable. A detailed statement showing how the amount was calculated. Proof that your agency is legally authorized to collect debts in my state. A copy of the judgment, if applicable. Documentation that proves your right to report this debt to the credit bureaus. Please note that until you provide the above information, you must cease all collection activity and must not report or continue to report this alleged debt to any credit reporting agency, per the FDCPA. If you can not validate the debt, you are REQUIRED to DELETE IT FROM MY CREDIT REPORT and inform all credit reporting agencies to which you have reported it. This letter is not an acknowledgment of any liability or a promise to pay ; it is a formal dispute and a request for validation. Please respond in writing within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC acted like they were responding to a complaint just to satisfy you guys the reps XXXX XXXX reachwe out email then I called him back left multiple voicemails left many emails he has not responded to none of them I want to make a complaint on him and PNC this is violating banking rules this is why I will sue PNC and the cfpb if this is not handled this is highly unacceptable

Company response to consumer: Closed with explanation