vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
Dispute of Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the account listed under XXXX XXXX XXXX XXXX XXXX on my Experian credit report. This account is marked as charged off with a balance of {$1600.00} and last updated XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am requesting a reinvestigation into the reporting of this account due to multiple compliance issues : Unverified Reporting : No original signed contract or itemized account breakdown has been provided to support the reported balance. You are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report under 15 U.S.C. 1681e ( b ).

Misleading Status : The charge-off and balance reporting may not reflect current legal standing if the debt is disputed, settled, transferred, or time-barred. Without documentation confirming the charge-off terms, this status could be considered materially misleading and in violation of the FCRA.

Failure to Report Consumer Dispute Properly : If I have previously disputed this debt directly or indirectly, the furnisher is required to flag it as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). If this was not done consistently or correctly, continued reporting is a violation.

I demand that this account be immediately and permanently removed from my Experian credit file unless full, complete documentation from the original creditor is provided including the signed contract, billing history, and charge-off rationale.

If this item is not verified with original records within the 30-day investigation period, it must be deleted as required by law. Continued inaccurate reporting will result in formal complaints with the CFPB, FTC, and Virginia Office of the Attorney General. 

Sincerely, 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 2025-06-18 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: VA

Complaint narrative:
Dispute of Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the account listed under XXXX XXXX XXXX XXXX XXXX on my Experian credit report. This account is marked as charged off with a balance of {$1600.00} and last updated XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am requesting a reinvestigation into the reporting of this account due to multiple compliance issues : Unverified Reporting : No original signed contract or itemized account breakdown has been provided to support the reported balance. You are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report under 15 U.S.C. 1681e ( b ).

Misleading Status : The charge-off and balance reporting may not reflect current legal standing if the debt is disputed, settled, transferred, or time-barred. Without documentation confirming the charge-off terms, this status could be considered materially misleading and in violation of the FCRA.

Failure to Report Consumer Dispute Properly : If I have previously disputed this debt directly or indirectly, the furnisher is required to flag it as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). If this was not done consistently or correctly, continued reporting is a violation.

I demand that this account be immediately and permanently removed from my Experian credit file unless full, complete documentation from the original creditor is provided including the signed contract, billing history, and charge-off rationale.

If this item is not verified with original records within the 30-day investigation period, it must be deleted as required by law. Continued inaccurate reporting will result in formal complaints with the CFPB, FTC, and Virginia Office of the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 : 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 Date Opened : XX/XX/year>, Balance : {$220.00}

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account that you are reporting to the credit bureaus regarding an alleged debt from Bounce. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with Bounce nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request verification of this debt and to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Summary of Issue : Citibank abruptly and unjustifiably closed my checking account without notice, without explanation, and while withholding my direct deposit funds a paycheck from my job despite repeated confirmations that no fraud was involved. I have now been locked out of access to my own legally earned income, and all attempts to receive clarification or immediate resolution have failed. Representatives continue to mislead, delay, or flat out lie, and Ive been repeatedly told to wait for a letter in XXXX days. This is not only unacceptable its financial hostage-taking. 

Details : I opened my Citibank account in good faith, deposited nearly {$2000.00} from payroll, and never violated any terms. 
My account was closed without warning, no prior notice, and no valid justification. 
I confirmed directly with Citibank fraud department agents that no fraud was found. Yet, they still refuse to release my funds. 
Citibank representatives ( both in-branch and on the phone ) have contradicted each other, given false timelines, and failed to provide documentation of any alleged reason for account closure. 
I was told I must wait XXXX to XXXX  days for a mailed check ( which may or may not be issued ), with no timeline for fund recovery.

I have already submitted complaints to the OCC, FTC, XXXX, and now the XXXX  Attorney General. This is a coordinated effort to delay and deny. 

Legal & Ethical Concerns : This may constitute illegal account closure practices, withholding of consumer funds, and unfair, deceptive, or abusive acts and practices ( UDAAP ) under federal law.

I am not alone. There are thousands of active complaints from other Citibank customers facing similar sudden closures, locked accounts, and paycheck seizures. 
This appears to be a systemic issue. Citibank is abusing its position as a financial institution and intentionally delaying access to funds jeopardizing consumers ability to pay rent, utilities, or buy groceries.

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 2025-06-18 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-18 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: FL

Complaint narrative:
I submitted a dispute with the company on or about XX/XX/year> that included fraudently accounts listed on my credit report as of today 's date the items are still being reported on my credit report. I have attached a copy of the dispute sent to the bureau requesting removal and block of accounts, but the company has not done so. I am requesting a full investigation.

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 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
I called Global FCU in XXXX of XXXX when I saw it on my credit report when I was needing to purchase a vehicle. I provided global FCU with my new address and phone number when I requested information be sent to me. My financial advisor wanted to look over the documents. We waited weeks. Nothing was ever provided. I assumed this was closed because of lack of communication and proof. 

I pulled my credit report in XX/XX/XXXX because I am needing to purchase a home before my children start school back up and wanted to check my credit prior to reaching out for mortgage loan. I saw this was still on my credit report. I mailed a certified letter XX/XX/XXXX stating due to lack of information and proof and failure to cooperate, and the fact it has been 9 months since my request, the account in question needed to be closed and deleted within 30 days of receiving my letter, I never got a response. It has been well over the 30 days. I once again assumed it was closed after 30 days of no communication. 

My lender for my home loan informed me this was still showing and that I can't get my loan with an open dispute, after 9 months of me seeking this information and proof. I have called Global FCU but they're not able to explain what was done with my letter. I have contacted the post office and legal aid and am left waiting on higher ups to all get back to me. This is ruining my life and nobody is helping me and nothing is being done fast enough. I need to get this taken care of so my children and I can be somewhere safe. This is urgent and has been left on the back burner for 9 months too long and this is completely unacceptable. 

I have tried repeatedly to resolve this and I've gotten nowhere, with no proof. This account needs to be closed and deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a formal notice of your ongoing failure to maintain accurate, verifiable, and fully compliant reporting on my credit file. Your continued reporting of inaccurate, unverifiable, and conflicting information constitutes a direct violation of my consumer rights under multiple federal statutes, including : 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct reasonable investigations upon my prior disputes.

15 U.S.C. 1681s-2 ( b ) : Willfully furnishing false and unverified data to consumer reporting agencies.

Metro 2 Standards 2020 CRRG : Failure to maintain industry standard data field compliance and integrity. 

I demand that you immediately DELETE the following items due to your inability or refusal to maintain legally compliant data : PERSONAL INFORMATION BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have failed to provide certified, legally verifiable evidence to justify continued reporting of these items. The discrepancies, fragmented data, and inconsistent reporting across bureaus prove your willful non-compliance. This puts you in violation not only of federal law but also of Metro 2 industry standards as governed by the Consumer Data Industry Association ( CDIA ). Any deviation from these standards jeopardizes the integrity of the data ( CRRG 2020 ). 

I hereby DEMAND the IMMEDIATE PERMANENT DELETION of the above-listed accounts, collections, inquiries, and personal information from my credit file. This is your legal obligation under federal law to prevent continued harm and financial damage. 

Failure to comply will result in legal escalation, including formal complaints to the CFPB, FTC, State Attorney General, and possible private right of action under 15 U.S.C. 1681n and 1681o. 

THIS IS YOUR FINAL OPPORTUNITY TO CORRECT THESE ERRORS.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

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

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 2025-06-18 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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