vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my credit report, I noticed that some accounts contain incorrect details, including wrong balances and payment histories. This false reporting is misleading and does not accurately reflect my financial responsibility. I need these errors to be corrected right away.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

XXXX - XXXX - {$420.00}

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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of investigation this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CSPB take action to ensure Equifax complies with the federal law and provides consumer with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has withheld my funds. as of XX/XX/XXXX, 2025. they have no resolution to this issue and refused to verify my phone number or exhaust all other verification methods. After visiting the branch and attempting to close my account due to these inconveniences, they have told me there is nothing that they can do and have restricted my account access to my funds. after confirming that they are not able to verify my phone number I was then told that I will receive a phone call to send phone number that they are not able to verify. I am having a very hard time reaching someone who can help any representative that has attempted to help me has not been able to due to a phone number. I have been left with a restricted account no access to my funds and no resolution.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

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 2025-02-22 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: OH

Complaint narrative:
RE : Investigation Results File Number XXXX Date Issued XX/XX/XXXX Investigation Results File Number XXXX Date Issued XX/XX/XXXX I requested my credit file on XX/XX/XXXX, but did not receive it. And on XX/XX/XXXX, I submitted a complaint with the CFPB about XXXX XXXX failure to provide my credit file. I never received the credit file. So, I am requesting again that you send the credit file. 

I also forwarded my dispute letters with XXXX and XXXX to Trans Union. My XXXX dispute letter disputed two XXXX XXXX XXXX accounts, Achieve Personal Loans account, XXXX XXXX account, XXXX account, XXXX account, and XXXX / XXXX account XXXX And my XXXX dispute letter disputed XXXX XXXX XXXX XXXXXXXX accounts, Achieve Personal Loan account, XXXX XXXX account, XXXX account, XXXX account XXXX XXXXXXXX Bank account and XXXX account. 

I received dispute results on XX/XX/XXXX and XX/XX/XXXX. The dispute results addressed the XXXX XXXX account, XXXX account XXXX XXXX XXXX account, XXXX account, XXXX XXXX  account XXXX and XXXX. The dispute results did not address the XXXX XXXX XXXXXXXX accounts and Achieve Personal Loans account. 

XXXX XXXX XXXX. Trans Union deleted this account. I did not dispute this account. And I did not want this account deleted. The account was positive and helped my credit profile. Please reinstate it. 

XXXX. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation. Also, the negative payment history on this account is very old. The Date of First Delinquency needs to be reported. It has been nearly seven years since negative information was reported. Please report the date or just remove the account. 

XXXX XXXX XXXXXXXX XXXX XXXX Trans Union investigated the wrong account. I did not dispute any information in XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I disputed the charged off XXXX XXXX account that has an account number of XXXX. 
XXXXXXXX XXXX This account was deleted. Thank you very much. 

XXXX XXXX. The negative payment history on this account is very old and approaching 7 years. But the Date of First Delinquency is not reported. The negative information needs to be removed, or the Date of First Delinquency must be reported. 

XXXX XXXX XXXX. The negative payment history on this account is very old and approaching 7 years. But the Date of First Delinquency is not reported. The negative information needs to be removed, or the Date of First Delinquency must be reported. 

This matter is urgent. Please make the appropriate corrections to my report. I am trying to get a loan and can not do so with these inaccuracies in my 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
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I complained Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notified me the company responded. Equifax did not respond ; it returned the complaint. 

Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. 

Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. Equifax continues falsifying my information and CFPB is complicit, saying it responded when it did not ; it took 30 days to send the complaint back to CFPB. 

Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is, apparently complicit and the whole thing makes no sense as Equifax IS a credit reporting agency, who exists solely to report creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see incorrect accounts listed, and I dont understand how they got there. I regularly review my credit report, but these discrepancies appeared out of nowhere. I tried refreshing my browser to see if it would resolve the issue, but the errors remained. Given this situation, I kindly ask for a thorough review of the documents I provided to ensure this problem is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for this account to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately.

Requested Actions Immediate blocking and removal of the following unauthorized account : XXXX / XXXX Written confirmation of the removal of the unauthorized information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from mycreditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: IN

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I disputed fraudulent accounts on my credit reportJXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX accounts ( XXXX and XXXX ) which had been previously deleted but improperly reinserted. My XX/XX/XXXX, credit report confirmed their removal, yet on XX/XX/XXXX, I received a Credit Monitoring Notification from Experian stating that XXXX XXXX  was reported over the credit limita clear sign it was reinserted unlawfully. Upon checking my Experian report, I confirmed that all three fraudulent accounts had reappeared without notice or verification. This is blatantly illegal and a direct violation of 15 USC 1681i ( a ) ( 5 ) ( B ), which prohibits reinstating deleted accounts unless the furnisher certifies accuracy and I am notified within five daysneither of which happened. Additionally, Experian has failed its legal duty under 15 USC 1681e ( b ) to ensure accurate reporting by recklessly allowing deleted, fraudulent accounts to reappear. This is not just negligenceit is deliberate misconduct. The improper reinsertion of these accounts has damaged my credit score, harmed my financial reputation, and caused unnecessary financial stress. I am sick and tired of repeatedly disputing the same fraudulent accounts because Experian refuses to follow the law. What makes this even more infuriating is that only Experian has reinserted these accountsXXXX and XXXX have not, proving that Experian alone has failed to conduct proper verification. This is a disgraceful, deceptive, and illegal practice that needs to end now. I will not continue playing this game where I dispute, you delete, and then you sneak these accounts back onto my report. I demand their immediate and permanent removal. If these accounts are not deleted immediately, I will escalate this matter to the CFPB, my states Attorney General, and pursue legal action for these repeated violations. Experian has one final chance to fix this before I take serious legal action. Consider this your last warning.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I receive an email from XXXX XXXX application which is through Citi bank about someone who placed a false application to open an account using my identity. The application number is XXXX. I have been trying all day today to speak with someone from Citi bank to report the application as fraud. I have been completely unable to speak to anyone from the company due to the automated system requires an account number and I do not have an account. It has been impossible to speak with an actual representative to even be able to look into the issue. I used numerous different phone numbers with the bank and still no success. I have had multiple fraudulent applications over the past year and this email appears to be legitimate as well. I would appreciate assistance resolving this issue. The XXXX XXXX department only has business hours and I want this taken care of as soon as possible.

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 2025-02-22 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
in XXXX  I invested in some crypto currency on the coinbase.com website. I paid by a wire transfer of money from my checking account. In XXXX of this year, I sold at a significant loss. That was over 5 weeks ago. Their website does not work when I have tried repeatedly to with draw my money. They still have my same bank account on file.It took 3 weeks to get to speak to someone on the phone. I was on the phone with them for 3 hours and 14 minutes. They put me on hold approximately 20 times. They had me change web browsers, delete cookies, send them screenshots, install their app etc. before finally admitting the problem was on their end. They said they would send it to their engineers. That was a week ago, and I still can't withdraw my money.They say they can't send a paper check, which I think is a lie. I can't be the only person this has happened to. My guess is many people only have a small amount of money they want to withdraw, and they give up in frustration, and coinbase keeps the money.

Company response to consumer: Closed with monetary relief