vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX, I have a Citi checking account XXXX. I closed my checking account but I need to access my account statements. I tried to contact the citi customer service they said will send me the statements by mail by I never received it. Could you please send me all my statements from XXXX  to the closing date of this checking account, either by mail or email? Thank you so much!

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 2025-10-17 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX, AZ XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX I am filing this complaint against XXXX for willfully and unlawfully reporting on my credit report and violation of multiple customer protection laws this is being reported inaccurately. My personal and financial information was compromised without my authorization the family educational rights and privacy acts XXXX protect the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information given the severity of this breach an the resulting compromise of my personal an financial information I request that you immediately cancel and discharge my student loan debt in full. I recently discovered that my sensitive and legal protective records were access and potentially shared without my consent. This includes, but it is not limited to XXXX. My academic records personally indentifiable information PII XXXX. My free application for student aid FASFA data, including financial aid, history, and loan information. 
XXXX. My IRS tax transcripts which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CRF part 99 ) Which grants me the right to control access to my educational records as well as title IV of the higher education act which governs the use and protection of federal student aid information this raise a serious concern. This breach has caused significant distress and concern regarding the security of my personal financial data. If my demands are not met within 30 days, I will be left with no choice, but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission FTC, the XXXX XXXX XXXX XXXX CFPB and pursuing legal actions against the responsible parties. I request a written response. Addressing these concerns outlining the immediate action being taken to remedy the situation please direct all correspondence into the address listed above thank you for your prompt attention. To this urgent matter I look forward to your immediate response and resolution sincerely, XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-10-17 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-17 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: Carvana Group, LLC
State: FL

Complaint narrative:
i made a Consumer Complaint # : XXXX XXXX XXXX ( Carvana ). Carvana replied " On XX/XX/XXXX, XXXX XXXX initiated the purchase of a XXXX XXXX XXXX, ( VIN : XXXX ) from Carvana using XXXX XXXX, with XXXX XXXX participating as a co-signer on XXXX XXXX credit application. As part of this process, XXXX XXXX completed the necessary steps to execute a hard credit inquiry by proceeding with the co-signing process. He entered his social security number when prompted to finalize the credit application. Before completing the purchase process, XXXX XXXX received an additional written disclaimer and XXXX XXXX then gave their consent to have their credit pulled. '' This is false i never co sign for any vehicle i never provided my i.d or approved this inquiry. i called carvana after they responded and had XXXX XXXX speak to an agent who confirmed they do not see me co signed on any account associated with XXXX XXXX and provided me proof that i will upload. Carvana has failed to accurately investigate this matter and responded with a bogus, false, and or incorrect findings which violates my confidentiality and integrity of my information. Carvana must remove the hard inquiry made on On XX/XX/XXXX, in compliance with FCRA and XXXX XXXX Compliance standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear EQUIFAX, I recently reviewed my EQUIFAX credit report and discovered several accounts that contain inaccurate and unverifiable information. I am requesting a complete reinvestigation of these accounts under the Fair Credit Reporting Act ( FCRA ) and correction or deletion of any data that can not be verified as accurate and compliant with Metro 2 reporting standards.

Please review each account listed below and provide written confirmation of your findings, including the method of verification used to confirm the accuracy of the information. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93000.00} These delinquencies are unverified and inconsistent. Please provide proof from the original creditor or remove all inaccurate payment notations. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The payment history appears inconsistent and potentially outdated. Please verify all late payment records directly with the furnisher. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} This is excessive and likely inaccurate. Please confirm whether the account was actually late for each of these months ; if not, remove all erroneous late notations. 
XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} These late payments are inconsistent with reported balances and may violate Metro 2 reporting guidelines. Please verify or delete the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am placing this complaint because after reviewing my credit report I have numerous inquiries that do not belong to me, I have addresses in which I have never lived at and accounts that I have never been late on at all. After numerous attempts to remove these issues the credit bureaus have become a mafia style organization and refuse to cooperate. I pride myself on my credit and this civil injury

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 2025-10-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$10000.00} XXXX  # XXXX Opened XX/XX/XXXX -Balance {$510.00} XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$3600.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$450.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$1700.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$130.00} UNAUTHORIZED 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 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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEPCO FINANCE CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, a home warranty policy was set up through a phone conversation with my daughter ( XXXX XXXX ), not with me ( XXXX XXXX ). She was not authorized to make any financial or contractual decisions on my behalf. I did not sign, agree to, or authorize this policy in any way. 

I called the company within the 30-day cancellation period to cancel the plan. They confirmed the cancellation verbally, yet they continued to send me bills and make collection calls. I have never received any services under this plan.

The company is attempting to collect a debt that is not legally mine, and I consider their actions to be misleading and harassing. I am requesting immediate cancellation of this account, removal of any balance owed, and a full refund of the {$100.00} charged on the first day.

This situation has caused unnecessary stress and has been going on for months despite my early cancellation.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 explanation
Consumer complaint received 2025-10-17 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:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit 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 2025-10-17 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i been a card holder of XXXX  XXXX since XXXX i have two credit cards with them, XXXX of them XXXX  XXXX Quick Silver account had XXXX late payments on them of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my job laid me off due to the Covid XXXX pandemic and I didn't receive my unemployment benefits for over 2 months of my last pay check from my job. I am a single father with sole custody of my son who at the time was XXXX XXXX XXXX and i did not and still not receive any child support. The financial strain between paying for rent, utilities and groceries for my son I had to be handled first before i could make any credit card payments. I believe because of this financial hardship caused by a global pandemic can count towards the removal of these late payments that are holding me back in pursing actual home ownership and accessing better credit funding due to the impact these late payments are having on my credit score and profile. i have not had any late payments with this company since this financial hardship and still have my two accounts open and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
i been a card holder of XXXX  XXXX since XXXX i have XXXX credit cards with them, one of them XXXX XXXX Quick Silver account had XXXX late payments on them of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my job laid me off due to the XXXX  XXXX pandemic and I didn't receive my unemployment benefits for over XXXX months of my last pay check from my job. I am a single father with sole custody of my son who at the time was XXXX XXXX XXXX and i did not and still not receive any XXXX XXXX. The financial strain between paying for rent, utilities and groceries for my XXXX  I had to be handled first before i could make any credit card payments. I believe because of this financial hardship caused by a global pandemic can count towards the removal of these late payments that are holding me back in pursing actual home ownership and accessing better credit funding due to the impact these late payments are having on my credit score and profile. i have not had any late payments with this company since this financial hardship and still have my XXXX accounts open and in good standing

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 2025-10-17 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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