vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
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 identity 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 completeandaccurate.

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 2025-12-15 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX, Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On my credit report for my XXXX XXXX XXXXXXXX XXXX on the reports it is saying i disputed the information that I settled for less than the full amount, and it should not be on remarks at all. I never settled with this card which was opened in XX/XX/year> and it can affect my score saying this in the remarks. It should 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 2025-12-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this follow-up complaint regarding ongoing inaccuracies in the reporting of several accounts on my credit reports from Experian, Equifax, and TransUnion. Despite my prior dispute submissions, the reports continue to reflect late payments that do not align with my actual payment history or the terms of my agreements with the creditors. In addition, some accounts are inconsistently reported across the XXXX bureaus, further misrepresenting my financial record. 
Specifically, my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$4500.00}, opened XXXX ) is reported as having late payments in XXXX and XXXX that are inconsistent with my documented payment history. My XXXX account ( ending XXXX XXXX XXXX XXXX XXXX closed with {$0.00} balance ) shows multiple escalating late payments throughout XXXX and XXXX that are inaccurate. Additionally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} balance ) reflects late payments in XXXX that do not correspond to my actual payment activity. Lastly, my XXXX accounts ( XXXXXXXX XXXX XXXX, {$0.00} balance, opened XXXX, and XXXXXXXX XXXX XXXX, {$440.00} balance, opened XXXX ) show late payments spanning XXXX, some of which are not reported consistently across the bureaus. I have carefully reviewed all records and confirmed that all payments were made in accordance with the agreements, and these reporting errors unfairly misrepresent my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: 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 identity 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 completeandaccurate.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer for a 0 % for 18 months on purchases from Citibank, which I signed up for on XX/XX/XXXX. I was approved and received my credit card in XXXX. I began using my Citibank credit card and left a balance on the credit card, assuming that the balance was going to be interest free until XXXX. I then received additional marketing about 0 % on balance transfers in XXXX, which I also signed up for and took advantage of. 

I trusted Citi and maintained making the minimum payment without looking at my statements, thinking I was not being charged interest on my balance. I finally checked my statement today and saw I was being charged interest. After going back and looking at all other statements, I saw I was being charged interest this entire time. I called citi to resolve the issue as well as request the marketing documents I received which i signed up for, but they stated they could not provide this information. Instead, they asked me to send a copy of the promotional letter I received which I acted upon when I signed up for the credit card. I do not have this promotional material saved.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed the order XX/XX/XXXX and was waiting for it for about a month. It was an order with the amount of XXXX. It was delivered on XX/XX/XXXX. I immediately emailed the Store about the condition of the item not being what I ordered and the company agreed that it was not what I ordered as well. The package was thrown on my front lawn and not delivered to the front door. The item did not come as expected, it was missing parts of the order as well as it did not come in the color, size, or description online. The second jacket did not have the embroidery that was shown. The item was incomplete and did not look like the item I purchased. I emailed the clothing store and asked for a refund. They only offered 20 % compensation and then offered 40 % and then 60 %. I asked to fully return it but the store did not respond to my email. They would only respond to during the dispute, once the dispute was closed they stopped responding to me. I needed the shipping label so that I could return the item. The item is unworn, unused, with tags on. Overall the item did not come as expected and I tried refunding the item because the item is defective. It is unusable and not at all what I ordered. I requested a full refund from the store so that I can purchase my item elsewhere. I called the credit card company CitiBank and filed a dispute on XX/XX/XXXX for the incorrect item. On XX/XX/XXXX they sent me a letter that said it was resolved. They did not provide me any information, updates, or details as to why my dispute was denied. I called the company on XX/XX/XXXX and asked to reopen the dispute and on the morning of XX/XX/XXXX I received this digital letter stating that the window had closed despite me having the ongoing dispute from months back. I am disappointed in the way the company handled the dispute. I had sent them multiple photos and evidence of the store admitting to their mistake. The clothing store stopped responding to me so I can not get a response from them and the credit card company refuses to help me. I feel I am all out of options but I am trying this as a one last attempt to get my money back from a purchase. It is not a small amount of money or else I would not care but it is a big amount for me. I have a family and financially times are very difficult. I appreciate any and all help I can get. Thank you in advanced for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am writing to dispute multiple fraudulent and inaccurate entries on my credit reporting these accounts do not belong to me, were not authorized by me and continued reporting represents a direct violation of my rights under the fair c reporting act ( FCRA ) and consumer financial protection act ( CFPA )

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
XXXX XXXX has failed to provide me with any information regarding my Parent Plus Loan. Last week, I spoke with a representative after receiving a notification claiming I owe {$1200.00} by XX/XX/year>. 

I have not received any agreement or details related to this loan, and I did not give consent for this arrangement. Ed Financial appears to generate calculations without any proper consent or communication with the involved parties. The representative I spoke with was completely unaware that the student was still attending college and was erroneously billed for the loan. 

The services provided by Ed Financial are not only misleading but also grossly inaccurate. They have reported to my credit file that I have 90 days of missed payments when, in fact, I have not been contacted or provided with any information about making payments. I demand clarification and resolution on this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest is furnishing materially inaccurate and misleading information to consumer reporting agencies regarding a repossessed auto loan.

The account is being reported as Closed Repossessed with an incorrect repossession date that falsely makes the derogatory event appear recent. This reporting is inaccurate and substantially more damaging than the true timeline.

The vehicle was unavailable for use over two years prior to the date Bridgecrest is reporting. I made repeated attempts over a four-month period to resolve the account, including numerous phone calls documenting issues with the account and requesting engagement. Bridgecrest failed to respond, failed to communicate, and failed to take timely action.

Months later, the vehicle was collected from my apartment complex without proper communication. Despite this, Bridgecrest is reporting dates that do not reflect actual events, inflating the recency of the repossession and causing ongoing harm to my creditworthiness.

I have disputed this account through consumer reporting agencies. Bridgecrest responded by simply stating Account Closed Repossessed without addressing the inaccurate repossession date or providing documentation validating the timeline. This does not constitute proper verification.

Bridgecrest has now been placed on notice multiple times regarding the inaccuracy yet continues to furnish incorrect information.

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation after dispute Furnishing information that is misleading and materially inaccurate I am requesting immediate deletion of the Bridgecrest tradeline from all consumer reporting agencies. At minimum, Bridgecrest must cease reporting inaccurate dates that misrepresent the true age of the derogatory event.

If this inaccurate reporting continues, I will pursue all available legal remedies for damages resulting from negligent and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to formally protest the handling of an unauthorized transaction reported to your institution on, Monday, XX/XX/XXXX ]. The representative I spoke with failed to acknowledge the severity of the issue, stating the transaction 's validity hinges on whether I provided my account number, which is irrelevant to specific transaction authorization. This lack of protection is evident in a previous, unauthorized recurring debit that was allowed to process in XXXX for a membership I never renewed or authorized, demonstrating a sustained security failure. Furthermore, the quoted resolution time of 10 to 15 days is causing immediate, severe financial distress, as the loss of these funds has directly resulted in me receiving an eviction notice for my home. I demand the immediate provisional credit of the full unauthorized amount, the full reversal of the fraudulent transaction, and prompt investigation into why your security protocols allowed this unauthorized access, which has been an ongoing issue with several companies. I have filed a formal complaint regarding this failure with the Consumer Financial Protection Bureau ( CFPB ).

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for a Bank of America/ XXXX XXXX visa The promotion was XXXX points for a {$400.00} airline travel credit for spending {$2000.00} in the first 90 days and I have done that. I call their customer service they tell me it's only good for XXXX and {$150.00} credit I ask for a manager they hang up on me. I have attached 2 files with the XXXX bonus points promotion.

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Complaint Summary : I obtained a {$1000.00} loan from online lender Lenduomo, from NISWI LLC, a tribal-affiliated lender that is charging an annual percentage rate ( APR ) at 400 % for a {$1000.00} loan. I believe this is predatory and violates Californias consumer protection laws. The lender is a Wisconsin based company that is not licensed to do business in California.

Details : The loan terms were not transparent, and the excessive interest rate makes repayment nearly impossible without falling into a cycle of debt. I believe the lender is using tribal affiliation to evade Californias usury limits and the Fair Access to Credit Act ( AB 539 ).

Request : I ask the DFPI to investigate this online lender as to whether the loan terms are lawful, and to take enforcement action if violations are found. I am providing documentation of the loan agreement and payment schedule.

P.S. Legal Status : The Wisconsin based company, Niswi LLC claims tribal sovereignty, and operates under tribal law rather than state law. They are also not registered in California to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation