vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Sent their lawyer to Levy funds from my account with out any paperwork telling me this was going to happen. I had no idea until the money was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My date of birth is XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, I am formally and aggressively demanding immediate correction of my date of birth from the incorrect XX/XX/year>, to the correct XX/XX/year>. This bureau 's error has directly compromised my credit information and has led to inaccurate negative entries on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX 

I have included my Driver 's license and XXXX XXXX card As proof of Inaccurate information done by your company As mandated by law, you are required to remove all such negative entries immediately. Failure to comply will result in legal action to enforce my rights under the FCRA. This is a serious violation, and I expect full and immediate resolution and deletion of derogatory credit XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am a consumer actively working to address inaccuracies on my credit report. Below are the disputes I am submitting for review, with details separated by each bureau. 

TRANSUNION ( TU ) Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} Inquiries : 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 2025-12-03 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. Therefore, I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my personal information.

Correct or remove any inaccurate information appearing on my credit report as a result of this breach.

Provide written confirmation detailing the results of your investigation and the actions taken.

Failure to properly address this matter may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please treat this issue with urgency and provide confirmation of receipt and 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 2025-12-03 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. Therefore, I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my personal information.

Correct or remove any inaccurate information appearing on my credit report as a result of this breach.

Provide written confirmation detailing the results of your investigation and the actions taken.

Failure to properly address this matter may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please treat this issue with urgency and provide confirmation of receipt and 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to request clarification regarding an entry on my credit-card statement for the billing cycle XX/XX/2025, through XX/XX/2025, with a payment due date of XX/XX/2025. The statement lists the following : Credit Limit {$500.00} Previous Balance {$390.00} Payment ( {$25.00} ) Interest Charge {$9.00} New Balance {$380.00} Available Credit ( as of XX/XX/2025 ) N/A Available Cash for Cash Advances N/A I am uncertain what N/A signifies for available credit. Because N/A is not a numeric value, I would appreciate clarification of what the actual available-credit dollar amount was for this billing period. 

Please confirm whether the available-credit amount should have been shown as {$0.00} or another figure and explain what N/A indicates in this context. 

Please also show proof of account ownership. I have reason to believe that you are no longer the account owner. 

I am submitting this letter as a billing inquiry under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and look forward to your written response within the time period the Act provides. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PR

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I had to close my checking account due to fraudulent activity. I got a new checking account and went home and updated all of my information for all of my auto payments and accounts that were linked to the old account. I updated my information in my Citi app and linked my new checking account. On XXXX separate days, XX/XX/year>, and XXXX I made payments with my Citi app and my new linked checking account that was highlighted on the app to use for payment. Citi tried to use my old account and obviously it didnt go through and ended up charging me 3 returned fees {$30.00} a piece. I contacted them on XX/XX/XXXX 3 times and XX/XX/XXXX XXXX time to be told over and over again that I couldnt have the fees waived even after explaining that I had done what I needed to do and linked my new account information and it was highlighted in the app for me to use to make a payment. I spoke with someone again today, XX/XX/XXXX and was told that they could not waive the fee. I would like all XXXX fees removed from my credit card as this was not a mistake on my behalf.

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 2025-12-03 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: FL

Complaint narrative:
I lost my wallet and became a victim of identity theft while I was abroad recently. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me so kindly remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: KS

Complaint narrative:
My spouse entered XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which makes our auto loan eligible for the SCRA 6 % interest rate cap. I contacted Bridgecrest by phone to request the required documentation showing : ( 1 ) the date the APR was changed to 6 %, ( 2 ) the date the modification was entered into their system, and ( 3 ) updated written loan disclosures.

During that call, Bridgecrest promised that all requested documents would be emailed within 2448 hours. The call was recorded for legal safety.

Three days later, Bridgecrest only provided a copy of the original contract and a modification letter. The modification letter ( dated XX/XX/year> ) was mailed to an old address and does NOT show the APR-effective date, which is the main item I requested. 

Bridgecrest is refusing to provide : The effective date the APR was changed to 6 % The system-entry date showing when the modification was applied Updated written disclosures reflecting the interest rate change Bridgecrest keeps sending automated emails stating they can not discuss specifics via email and that I must call again. However, I already called, already complied, and was already promised these documents via email, not by phone.

This has caused delays and prevents me from verifying whether Bridgecrest correctly applied the SCRA interest rate reduction and any retroactive adjustments. I am requesting assistance getting the missing documents and verifying whether Bridgecrest applied the correct interest rate effective on my spouses active-duty start date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My son received his Social Security check via mail on XX/XX/year>. He is only XXXX and is learning to bank including mobile deposit, branch deposit, cashing a check, etc. On XX/XX/year> we visited a local Bank of America to cash his monthly SS check. We were informed by the teller that we can not cash the check due to the fact that we did not have enough funds to cover the check if it was returned for an unknown reason. We proceeded to deposit the check into the ATM ( another banking lesson ). My son was unable to make the deposit due to the limits on the BOA Safe Balance bank account ( absolutely ridiculous ). I then mobile deposited the check to his account the same way we had mobile deposited the check the prior month on XX/XX/year>. We received the email confirmation that the funds were pending and would be available the next business day, XX/XX/year>, as usual. We kept the check for our records and went about our day. On the morning f XX/XX/year> the funds were still not available in the account. When we checked on the account it stated that the funds would not be available until XX/XX/year>! XXXX business days later!! I immediately started a chat with a BOA representative. I explained that after 20 years of banking with BOA this was the first time this had ever happened and that it was very disturbing. The check we had deposited was a government check that we deposited just the same a month before with NO issue! Why now would this check be held and unavailable to us for XXXX whole business days? I requested that they cancel the deposit, they refused saying that was not an option. I requested a shorter wait time. They refused and stated that the check would take the full XXXX business days to clear. We were told that direct deposit would be required to prevent these kinds of holds. Well, that is not easy to accomplish with the social security office and we are still waiting for that to occur. If they would have reduced the wait time or given us the check control back we could have paid the bills and did what we needed with he money that was OURS. Instead, BOA decided to steal our money for XXXX whole business days and refuse to allow access. We have had to borrow to pay our necessary bills for food and power for the month, not to mention the deals we lost during the busiest holiday season of the year! My sons only income is this check due to him being a XXXX XXXX XXXX. I will be closing all of my accounts with BOA after this absolutely unfair and unjust incident.

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 2025-12-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

My date of birth is XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, I am formally and aggressively demanding immediate correction of my date of birth from the incorrect XX/XX/year>, to the correct XX/XX/year>. This bureau 's error has directly compromised my credit information and has led to inaccurate negative entries on my accounts with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I have included my Driver 's license and XXXX XXXX card As proof of Inaccurate information done by your company As mandated by law, you are required to remove all such negative entries immediately. Failure to comply will result in legal action to enforce my rights under the FCRA. This is a serious violation, and I expect full and immediate resolution and deletion of derogatory credit 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 2025-12-03 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: HI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-03 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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