vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am disputing the following accounts that are inaccurately reported on my credit report. Please see the details for each bureau below : Charged Off Accounts BANK XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Inquiries XXXX CXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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
Consumer complaint received 2025-12-02 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I am filing this complaint because all three credit bureaus are reporting information that is inaccurate, inconsistent, outdated, or can not be verified. I am requesting a full and lawful reinvestigation under the FCRA. Any item that can not be verified with proper documentation should be corrected or deleted. 
Charged-Off Accounts in Dispute I am disputing the following because the information conflicts with what XXXX and XXXX report, or appears outdated, incomplete, or unverifiable : ( All XXXX accounts as listed above ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$41000.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$45.00} XXXX XXXX {$190.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX {$860.00} XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX  accounts , same balances as above Bankruptcy XXXX {$0.00} These accounts show inconsistencies or do not contain verified information. 

Inquiries in Dispute These inquiries appear unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please remove if they can not be validated.

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 2025-12-02 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: CA

Complaint narrative:
I am not linked to these accounts ; please ensure they are removed within 15 days per USC 1681g.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
CFPB COMPLAINT Product : CITI XXXX Credit Card Company : Citibank , N.A . 
Issue : Improper account closure ; inaccurate credit reporting ; failure to honor notice ; failure to resolve dispute WHAT HAPPENED In XXXX of XXXX, Citibank sent me a written notice that my credit card account ending in XXXX would be closed due to inactivity on XX/XX/2025 unless I made a qualifying transaction before that date. 
To keep the account open, I made a purchase on XX/XX/2025, prior to account closure of the stated deadline. Despite my compliance with the notice, Citibank closed the account anyway on XX/XX/2025. 
After noticing the unexpected closure, I contacted Citibank ( date unknown ) and informed them that I had made a qualifying transaction before the deadline. I questioned how my account could be considered inactive when a valid transaction had occurred. 
Citibank representatives acknowledged the closure but refused to reopen the account or correct it, stating that nothing can be done and that I must pay the balance and accept the consequences. No one provided a clear explanation for why the account was closed contrary to the written notice. 
Following the closure, my automatic payment failed because the account had been shut down by Citis mistake. This caused my account to become delinquent, which I did not consent to and which would not have occurred had Citi properly honored the terms of their own notice. 
I contacted Citibank again on Saturday, XX/XX/XXXX, and the representative again claimed there was nothing they could do, despite the fact that the account was closed in error. Over 100 days, Citibank has failed to investigate, failed to correct the issue, and failed to provide any resolution. I also requested All Statements, Missive, Memos, and Notices. I was provided with partial paperwork, statements only, over the allotted 10 day timeline I was given. 

HOW THIS HARMED ME Citibanks improper closure : -Incorrectly triggered delinquency due to their wrongful account closure and failed autopay. 

-Negatively impacted my credit utilization, because the line of credit was removed without cause. 

-Resulted in lowering my credit limits, creating a cascading credit score drop. 

-Has left derogatory information on my credit report that is inaccurate and unfairly damaging. 

-Has caused financial, emotional, and reputational harm, as I rely on accurate credit reporting for personal financial stability.

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 2025-12-02 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-02 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Fraudulent / Compromised XXXX XXXX XXXX  Sold at XXXX Delayed Reimbursement from Blackhawk Network On XX/XX/year>, I purchased a {$200.00} XXXX XXXX XXXX ( with a {$6.00} activation fee ) at the XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, between XXXX XXXX. and XXXXXXXX XXXX. I received an activation receipt at the time of purchase, but the card did not activate properly. 

On XX/XX/year>, I reported the issue to both XXXX and Blackhawk Network and put in a dispute. The following day, I received an email stating that the cards balance had been drained of {$190.00} at a merchant listed as XXXX XXXX XXXX. Despite reporting the card as compromised the day before, I received notice that the entire balance had been used without my authorization. 

I provided all requested documentation, including : The activation receipt My XXXX XXXX statement showing the purchase Images of the card ( front and back ) and its packaging And Blackhawk Networks own evidence showing the balance was used fraudulently Picture of myself identifying that I am a real person.

Despite the clear indication that the card was compromised prior to my purchase a well-documented issue with gift cards sold on unsecured retail displaysBlackhawk Network has not returned my funds.

Case Number : XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items on my credit report. I believe that the following accounts contain inaccuracies and I request a thorough review and correction of these entries. The information provided below is specific to each credit bureau and the corresponding disputes. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am a victim of identity theft, and several fraudulent accounts appearing on my credit reports have not been blocked even after I provided all documentation required under FCRA 605B / 15 U.S.C. 1681c-2. The credit bureaus continue reporting these fraudulent accounts despite the law requiring them to block identity theft information within four business days of receiving my identity theft 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 explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am a victim of identity theft, and several fraudulent accounts appearing on my credit reports have not been blocked even after I provided all documentation required under FCRA 605B / 15 U.S.C. 1681c-2. The credit bureaus continue reporting these fraudulent accounts despite the law requiring them to block identity theft information within four business days of receiving my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a faithful customer with Capital One for years, always pay on time, raised my Credit score as there website says that doing these things would help to lower my interest rate. I called and talked with a financial supervisor and was told that even by doing the above mentioned will not lower my interest rate. There interest rates are above federal standards to my knowledge as are most credit cards. I would like to get it lowered, I earned it by there suggestions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX  ] [ XX/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 2025-12-02 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple items reported inaccurately on my credit report. I have reviewed the accounts in question, and I believe these items have not been reported in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I am disputing, separated by each bureau. 

Charge Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} DPT ED/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

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 2025-12-02 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: CO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-02 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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