vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

Company 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 2025-05-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing inaccurate and unlawfully reported information furnished by XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account number XXXX, reported on XXXX XXXX XXXX XXXX. 

This account has been repeatedly reported with XXXX XXXX  payments and XXXX  status, along with a misleading remark indicating paid in full for less than full balance. I have submitted multiple disputes under the Fair Credit Reporting Act ( FCRA ), yet the data remains inaccurate and unverified. 

The furnisher has failed to comply with : FCRA XXXX ( a ) ( XXXX ) ( A ) by not properly reinvestigating the disputed data within the statutory period ; FCRA XXXX ( b ) ( XXXX ) ( A ) - ( D ) by failing to conduct a reasonable investigation, review all relevant information, and update or delete information found to be inaccurate ; FCRA XXXX ( b ) by failing to establish and follow reasonable procedures to ensure the maximum possible accuracy of the information reported ; FCRA XXXX ( a ) ( XXXX ) ( A ) by continuing to report disputed information without proper verification or notification of dispute status ; FCRA XXXX and XXXX by failing to provide requested disclosures, contracts, and original documentation validating the debt. 

The creditor has not provided a signed agreement, detailed billing records, or verified evidence supporting the accuracy of the XXXX  data. The continued reportingdespite lack of substantiationconstitutes willful and XXXX noncompliance, which may trigger civil liability under FCRA XXXX and XXXX. - attached FTC Report 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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I was never notified about this account. I never receive any documentation in the mail if so certify it to me please or I will take legal action. Please remove the account Midland credit management inc {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just XXXXthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a XXXX XXXX XXXX XXXX or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-28 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 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: IN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I had a vehicle under finance that I ended up trading in for another vehicle at a local dealership. The dealership stated theyd take my car as a trade in and settle the loan so it wouldnt affect my credit. But 2 years later it appears the first vehicle was never transferred to their name and it appeared as if I still owned that first vehicle which caused it to seem like Ive been accumulating late monthly bills payments when in reality I no longer had that car because I traded it in for another vehicle

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempts to collect a balance from an account that does not belong to me. Please remove account from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going XXXX to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my XXXX time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts Thank 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 2025-05-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AE

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Experian consistently responds 24 hours stating the account for XXXX XXXXXXXX XXXXXXXX without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes, Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation 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 2025-05-28 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:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), I demand they be blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX * * XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX - Account Number : XXXX * * * * XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00}

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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: TX

Complaint narrative:
I used Klarna to finance a purchase from a company called XXXX XXXX. After completing the order, I discovered that the merchant is operating illegally by selling prescription-grade drugs such as XXXX ( an FDA-approved drug ) and XXXX  ( similar to XXXX ) without requiring any prescription, medical consultation, or oversight. These substances are regulated under federal law and can not be legally sold in this manner. The company falsely labels these as research use only, while clearly targeting human consumption, violating 21 U.S. Code 331 ( d ) of the Federal Food, Drug, and Cosmetic Act. I contacted the seller directly to resolve the issue and received no response. I then opened a dispute with Klarna and provided a detailed explanation with documentation. Klarna refused to cancel the charges, stating that I did not provide photos of physical damage, even though the issue is misrepresentation and potential illegality not cosmetic defects. This dismissal shows Klarnas failure to investigate in good faith as required by the Fair Credit Billing Act ( 15 U.S. Code 1666 ), especially given that Klarna acted as the creditor by issuing a Klarna Card to finance the transaction. They continue to support this merchant, despite multiple red flags about counterfeit drugs and fraudulent activity, putting customers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-28 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: NC

Complaint narrative:
Ever since XXXX of XXXX, Ive been making monthly payments towards my XXXX card balance. Account number XXXX. But for some reason on my credit report its not showing my correct payment history

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, I visited the UsBank branch in XXXX XXXX, MO located on XXXX XXXX XXXX. I deposited a {$1000.00} check into the XXXX XXXX thru ATM, but there was an error message once I attempted to deposit cash and the ATM ate my check, giving me a message to report it to the branch. I kept the check stub with me. I went inside immediately, filed a claim, showed them the stub, and was given provisional credit pending investigation. They assured me that the check was in there and the issue would be resolved. After weeks of alleged investigation on XXXX end, I received a letter on XX/XX/XXXX that they could not find my check and my claim was denied. They told me theyd be taking {$1000.00} out of my account on XX/XX/XXXX for this reason. USBank not only failed to do their due diligence as a company, they have completely neglected to provide adequate customer care to a loyal customer and have stolen money from me on another occasion with a similar denied ATM claim. I will be pursuing legal action against USbank if I do not receive my money.

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 2025-05-28 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: DC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private XXXX XXXX XXXXXX/XX/year> Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, loan account, and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.

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