vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally raise a complaint regarding the handling of my Citi XXXX card account. 

After opening my Citi XXXX card, my account was blocked, and I was asked to submit a signed Form XXXX. I submitted the form on time. When my initial form was found to be incorrect, Citi granted me an additional 30 days to submit a corrected version. I complied promptly and sent the corrected form, and I have tracking confirmation showing it was delivered on time. 

Despite this, my account was closed just a few days after Citi received my corrected form. Given the short timeframe, it is impossible that my form was processed before the closure. This leads me to believe that my account was closed without proper review of my documentation, which I consider both unprofessional and unfair. 

I request the following actions to resolve this matter : A detailed explanation for why my account was closed despite submitting the corrected Form XXXX on time. 

Reinstatement of my account under the originally agreed terms. 

Confirmation that all documentation I submitted has been properly reviewed and processed. 

I expect prompt attention to this matter and a fair resolution.

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 2025-11-03 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX, Innovis and XXXX XXXX for the publication, maintenance, and distribution of inaccurate, incomplete, and unverifiable credit information that negatively impacts my consumer credit profile and financial reputation. 

Upon reviewing my consumer reports provided by these agencies, I identified multiple accounts and credit inquiries that contain coding errors, inconsistent balances, incorrect dates, and unverifiable furnishers, in direct violation of FCRA 609, 611, and 623, as well as the XXXX XXXX  reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). 

I am requesting a full reinvestigation and removal of all unverifiable data, as both XXXX and XXXX continue to report obsolete and contradictory information regarding collections, loans, and credit inquiries. These inaccuracies fail to meet the legal requirements of accuracy, completeness, and verifiability mandated under federal law. 

Because these agencies are secondary consumer reporting agencies, they do not have the authority to maintain derogatory information without documentation directly verified by the original creditors. Therefore, I request that the CFPB intervene immediately to enforce compliance and ensure the deletion of all unsupported or unverifiable information from my consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LEXISNEXIS
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis Risk Solutions, XXXX and XXXX XXXX for the publication, maintenance, and distribution of inaccurate, incomplete, and unverifiable credit information that negatively impacts my consumer credit profile and financial reputation. 

Upon reviewing my consumer reports provided by these agencies, I identified multiple accounts and credit inquiries that contain coding errors, inconsistent balances, incorrect dates, and unverifiable furnishers, in direct violation of FCRA 609, 611, and 623, as well as the XXXX XXXX reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). 

I am requesting a full reinvestigation and removal of all unverifiable data, as both LexisNexis and XXXX continue to report obsolete and contradictory information regarding collections, loans, and credit inquiries. These inaccuracies fail to meet the legal requirements of accuracy, completeness, and verifiability mandated under federal law. 

Because these agencies are secondary consumer reporting agencies, they do not have the authority to maintain derogatory information without documentation directly verified by the original creditors. Therefore, I request that the CFPB intervene immediately to enforce compliance and ensure the deletion of all unsupported or unverifiable information from my consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
b"This is Experian only, the other two work fine.  Somehow they have incorrect email and phone number for me.  Impossible to change one without the other being correct.  Their phone system will not allow me to speak to a person no matter what I say, it just says I don't qualify to speak to a specialist and hangs up.  They have no email address to complain to, only a PO Box.  I sent a letter on XXXX, asking to change my email and phone number.  No response and neither work (I checked again today).  I have been waiting 2 1/2 months to unfreeze my credit for a credit check.  This is beyond unacceptable.  It's not like I can just wipe my hands of the company and give my business to someone else.  I am forced to be their customer, and they have set up their customer service system so people like me cannot be helped.  I am stuck in limbo with my credit frozen and no possible way to rectify it except to complain to a government agency."

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 2025-11-03 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: SC

Complaint narrative:
I am disputing the following accounts reported by Equifax as " charged off '' and " late payments. '' The listed accounts contain inaccuracies or are being reported incorrectly. 
I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX - XXXX, XX/XX/XXXX, Balance : {$9500.00} XXXX CARD - XXXX, XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have these accounts that were opened up by my father while I was at college. I did not authorize him to open any accounts and want these removed. I have tried to report these as theft with FTC but they are shut down and no one has returned a call or email in 3 plus weeks. I went to my local police station in my city and they tell me they no longer investigate ID theft as they don't have the personal or resources to follow up. The police then tell me to follow up with the FTC but they don't return calls or emails. I can't get any movement on these fraudulent charges and this is not right. Below are the accounts that are fraud that I did not open or ever use as my Dad did and I would like them investigated to be removed because of theft of my ID. I am also attach my affidavit I signed as well as I what I sent to the Attorney General in TX last week * XXXX Card Acct # XXXX * XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX Bank Acct # XXXX Under FCRA 609 ( a ) ( 1 ), I am requesting the source and method of verification for the alleged account reporting on my credit report. Furthermore, under FCRA 605B, I assert that this account is fraudulent and demand immediate deletion based on the evidence enclosed

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a XXXX Concora  Credit  account that is closed and settled in full. The settlement payment was made on XX/XX/year>. A letter was received on XX/XX/year>, confirming that it was settled IN FULL for less than full balance. 

With them, I also had an indigo Mastercard. The last statement was on XX/XX/XXXX and I paid the remaining balance on XX/XX/XXXX. 

I have now had three different calls with Concora and spent over an hour each time on the phone with them. They confirmed that they are closed and that I don't owe anything but refuse to show a XXXX balance saying that's how they keep their records. Yet I am still receiving information from them saying that I either owe a balance or a payment. I told them that continuing to report on a settled account is illegal and they said well it's their records. But it's not their records because it's still showing on my end that I have both a balance and or owe money. 

I understand that the Concor account for XXXX will likely showed us settled for less than full balance, but settled in full on my credit. But the indigo should be closed and paid in full. They are refusing to show that there is a XXXX balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report that appear inaccurate or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX Account # XXXX, XX/XX/XXXX, {$530.00} XXXX XXXX XXXXXXXX Account # XXXX, XX/XX/XXXX, {$120.00} XXXX  Account # XXXX, XX/XX/XXXX, {$330.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$760.00} XXXX  Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX, {$170.00} XXXX XXXX Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX Account # XXXX, XX/XX/XXXX, {$2900.00} Inquiries XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Reporting XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX I request verification of all accounts, inquiries, and late payments, and removal of any inaccurate or unverifiable entries.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I recently opened a Home Equity Line, and the bank holding the HELOC paid off the balance on my CitiBank credit card. The check was delivered to CitiBank on XX/XX/year>, and the check was cashed by CitiBank on XX/XX/year>. To date, my account has not been credited, and they are saying that the payment does not exist. The payment amount was {$15000.00}, and the check number was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon checking my recent credit report I noticed multiple inaccurate accounts that do not belong to me. Its very disheartening that things can happen where its harming my financial moving forward. I plan to take all then necessary steps to clear my name.

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 2025-11-03 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT VA XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Virginia Eastern Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 am requesting that all incorrect details and negative items be removed from my credit report. Although I have sent several letters to your mailing address, the inaccurate information is still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-03 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: MS

Complaint narrative:
I am disputing the following accounts, as they do not accurately reflect my credit history : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony/CareCredit claims to have given me a " reduced interest rate '' for the remaining balance on the card. The reduced APR is listed as XXXX  %, a clearly predatory amount and not at all reduced.

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