vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
In XXXX I found fraudulent and inaccurate information on my credit reports with Experian, Equifax, and TransUnion, including an unauthorized address, phone number, and several charge-offs and late payments. My data was exposed in the Equifax breach and confirmed by XXXX XXXX XXXX dark-web alerts. I filed a police report and submitted full documentation under FCRA 605B to all three bureaus requesting immediate blocking and deletion. Disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX entries . Despite proof of identity theft, these errors remain. Im requesting each bureau remove all unverifiable and fraudulent data, retain only accurate identifiers, and confirm compliance with 605B within four business days.

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 2025-11-06 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: TX

Complaint narrative:
Kindly assess the enclosed details these inquiries showed up without warning and may not be legitimate.

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 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into the following account and the removal or correction of any unverifiable or inaccurate information.

Creditor : Jefferson Capital, LLC Account Number : Ending in XXXX Reported Amount : {$260.00} Date of Charge-Off : XX/XX/year> Reason for Dispute : This account stems from a phone service I canceled when I switched providers. I believe the original company continued to charge me even after services were discontinued. I did not agree to or use services beyond my cancellation date, and I dispute the legitimacy of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight 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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for the Citi XXXX XXXX credit card. However, before I even received my physical card, Citi blocked my account and requested that I submit a XXXX form ( IRS income verification ). I provided the requested form promptly and in full. On XX/XX/year> the block from my account was removed, but next day it was blocked again. Later discovered that my account had been closed without any explanation. 
I contacted Citi multiple times to understand the reason for the closure, but no clear reason was provided. This situation seems to be affecting other customers as well, as many people report having their Citi credit card accounts closed after submitting the same XXXX form, without any detailed explanation or transparency.

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 2025-11-06 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was a XXXX XXXX customer for over XXXX years. During that time, I never received proper statements or any written breakdown of fees. The only thing I ever received was a simple batch summary email after each transaction. I never had access to itemized statements or a portal that displayed my fees or agreement. 

When I called on XX/XX/XXXX to request statements and clarification, XXXX different representatives ( XXXX and XXXX XXXX told me conflicting information. XXXX told me my account had been transferred because XXXX XXXX was bought by another company years ago. I was never notified of this change in any way. XXXX told me that my email was never linked to the account, which is concerning because I have used the same email for more than a decade. 

XXXX verbally quoted me variable fees ranging from {$0.00} to {$7.00} per item, a XXXX to XXXX percent rate, and a XXXX dollar monthly fee. She refused to send anything in writing, refused to provide statements, and ultimately hung up on me after speaking in an insulting tone. 

In XXXX I paid roughly XXXX dollars in fees, but in XXXX ( with no increase in sales volume ) I have already been charged more than XXXX dollars with no explanation. I have no way to verify charges because no statements were ever provided and no portal access ever worked. 

On XX/XX/XXXX I closed both XXXX XXXX and XXXX accounts. I have reference numbers, call times, and representative names for each closure. I also notified my bank to block future withdrawals, and that reference number is documented as well. 

I am requesting a full investigation of : - Lack of transparency - Failure to provide documentation or statements- Refusal to disclose fees in writing - Unprofessional conduct - Potential unfair or deceptive billing practices - Unexplained doubling of fees

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to report the ongoing inaccuracy in my credit report, specifically regarding the personal information being incorrectly reported. My credit report, as prepared by Equifax, lists my name as " XXXX XXXX XXXX XXXX, '' which is inaccurate. I am not a XXXX, and this error is damaging my credit profile. This misinformation was reported without my consent, and despite my efforts to dispute it, the incorrect name continues to appear. I have submitted all necessary supporting documentation, including a government-issued ID and a utility bill, which clearly verify my correct name as " XXXX XXXX XXXX XXXX XXXX The inaccurate reporting of my personal information is violating my rights under the Fair Credit Reporting Act ( FCRA ), particularly under XXXX U.S.C.1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information. Additionally, due to the ongoing shutdown of the FTC website, I have been unable to file a new FTC Identity Theft report, which has further complicated my ability to rectify the situation through the proper channels. As a result, my credit report is being negatively impacted, causing significant distress, financial harm, and potential future damage to my reputation and creditworthiness. I request that the inaccurate name be corrected immediately, and that XXXX  takes appropriate action to ensure no further errors in my personal data appear on my credit 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 explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX accounts from Transworld System Inc. that appear on my credit report. The accounts are : TRANSWORLD SYSTEM INC Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} TRANSWORLD SYSTEM INC Account # XXXXXXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} I have no knowledge of these accounts and have never opened or authorized any account with Transworld System Inc. These entries appear to be inaccurate or possibly duplicates. I request that the CFPB investigate this matter and ensure that the furnisher provides complete validation and proof that these debts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: GA

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MD

Complaint narrative:
I am a consumer in the process of addressing and rectifying the negative items on my credit report. The following accounts are currently in dispute, and I respectfully request that they be reviewed and corrected to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX CARD, XXXX, XX/XX/XXXX, Balance : {$27000.00} INQUIRIES XXXX, XX/XX/XXXX LATE PAYMENT XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  CARD, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
{$1000.00} was fraudulent taken from my Chime account. I will provided screenshots of amounts on time below in the attachments. XXXX transactions in less than XXXX minutes and chime didnt flag or stop the transactions. The hackers created a passkey and I couldnt enter my account. Money was pull from XXXX XXXX account too, because my debit card was attached. As soon I received emails I notified Chime immediately of this. I have spoken to numerous agents and supervisors with no resolve or answers. 
All this happened on XXXX and hackers attempted again but failed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the following inquiries listed on my TransUnion credit report. I request that you verify the accuracy of each inquiry and remove any that can not be substantiated. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Discrepancy : This inquiry was made without my knowledge or authorization, and I believe it is inaccurate. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Discrepancy : I did not authorize this inquiry, and I request its immediate removal from my report. 

I am disputing the following late payment entries on my TransUnion report : XXXX Account XXXX : XXXX Discrepancy : Please verify the reported late payment and provide evidence of the payment history. 

XXXX XXXX  Account Number : XXXX Discrepancy : I request the removal of this late payment if it can not be verified.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am a consumer attempting to correct errors on my credit report and request that the following accounts be investigated and corrected : Charged Off Accounts XXXX XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$100.00} XXXX CRED - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXXXXXX XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5800.00} Inquiries XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX 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 XXXXXXXX

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