vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX .., while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Incorrect Employers :. My correct Employer is : Self Employer.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these credit checks, nor did I initiate any applications for credit with these companies at the time the inquiries were made. Under the Fair Credit Reporting Act ( FCRA ), any inquiry on a consumers credit report must be made with the consumers explicit consent. 

Below are the unauthorized hard inquiries I am requesting be investigated and removed from my credit report : XXXX XXXX XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please conduct an investigation into these inquiries. If the companies listed above can not provide verifiable proof that I authorized these credit pulls, I respectfully request that they be permanently removed from my credit file. 

Enclosed are copies of my identification and proof of address for your reference : A copy of my drivers license or state-issued ID A utility bill or bank statement as proof of address Thank you for your prompt attention to this matter. Please provide me with a written response after your investigation is completed. 

Sincerely, XXXX XXXX SSN ( last four digits ) : 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 2025-06-23 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: TX

Complaint narrative:
As of XX/XX/year> I am now opting out of any and all reporting from all credit furnishers and CRAS in accordance with 15 USC 6802. Experian, Transunion, and Equifax have been inaccurately reporting information on my report without my consent. The current address, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, is currently reporting on my report under Experian as of right now and I have never lived at this address. I have requested information on why this address was even added to my profile and neither CRA could give me an accurate source. Transunion and Equifax have recently removed the address, however, I would like a full investigation from all 3 CRAS and how they obtained this information and connected it to me. I would also like to be compensated no less than {$1000.00} per incident of inaccurate reporting according to USC 15 1681, and for all inaccurate information to be removed immediately!

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 2025-06-23 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: TX

Complaint narrative:
As of XX/XX/year> I am now opting out of any and all reporting from all credit furnishers and CRAS in accordance with 15 USC 6802. Experian, Transunion, and Equifax have been inaccurately reporting information on my report without my consent. The current address, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, is currently reporting on my report under Experian as of right now and I have never lived at this address. I have requested information on why this address was even added to my profile and neither CRA could give me an accurate source. Transunion and Equifax have recently removed the address, however, I would like a full investigation from all 3 CRAS and how they obtained this information and connected it to me. I would also like to be compensated no less than {$1000.00} per incident of inaccurate reporting according to USC 15 1681, and for all inaccurate information to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$67.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX 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 2025-06-23 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$5200.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Account Number XXXX Balance : {$3900.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$1900.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$1900.00} Open Date XXXX XXXX, XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Balance : {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance : {$4600.00} Open Date XX/XX/XXXX inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Subject : Formal Complaint Against CitiBank Mishandled Fraud Dispute and Denied Resolution Dear Consumer Financial Protection Bureau, I am filing this complaint against CitiBank for their failure to appropriately handle and resolve a clear case of fraud on my account ending in XXXX. Despite multiple attempts to resolve this matter directly with the bank, they have continually failed to assist me or properly investigate the unauthorized transaction. 

Details of the Disputed Transaction : Transaction Date : XX/XX/year> Merchant : XXXX XXXX XXXX TN Amount : {$230.00} Dispute Date : XX/XX/year> Dispute ID : XXXX I reported this transaction as fraudulent, yet CitiBank misclassified it as a purchase dispute, and ultimately closed the case claiming I authorized the charge which I absolutely did not. I never made this purchase, nor did I give anyone permission to do so on my behalf. I requested that the charge be investigated as a case of fraud, but my repeated communications were ignored or dismissed. I have spoken with several CitiBank representatives, none of whom offered any meaningful resolution or explanation.

I am requesting that the CFPB review this matter and assist in compelling CitiBank to : 1. Properly reclassify and investigate this dispute as fraud.

2. Provide clear documentation or evidence used to deny my dispute.

3. Restore the disputed funds to my account if the transaction is determined to be unauthorized as I believe it clearly is. 

XXXX failure to act in accordance with consumer protection standards and the Fair Credit Billing Act is deeply concerning. I respectfully request your assistance in resolving this issue and ensuring CitiBank is held accountable for their mishandling of this fraud case. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LA

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$160.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX : {$21000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX 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 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 explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/2025 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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 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 2025-06-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should Not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should Not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
My PayPal account was temporarily restricted without prior notice or a clear explanation. I contacted their customer support and provided all the requested information completely and in a timely manner. Despite fulfilling all their requirements, I was later informed that my account was permanently blocked, again without any specific or detailed reason. They only mentioned vaguely that the decision was made for a variety of reasons, including local laws, our policies, or the policies of our partners. 

This lack of transparency and the holding of my funds until XXXX severely affects my current financial situation, as I urgently need access to those resources to cover my basic living expenses. So far, PayPal has failed to provide evidence that I violated any rules or that there is a legitimate reason to retain my money. 

I am requesting the following : A specific and detailed explanation for the permanent limitation of my account. 
A formal and immediate review of my case. 
The early release of the funds being withheld, as there is no clear justification for keeping them frozen. 

I respectfully request prompt attention to this matter, as this situation is causing me significant financial XXXX  and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
For the past 2 months every day. I have received harassing calls from this company. Early in the morning and late at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : 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 response to consumer: Closed with non-monetary relief