vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CA

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 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 explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a merchant dispute against XXXXXXXX XXXX XXXX  who was a merchant I dealt with in XXXX. I was asked a series of questions I believe from an agent name XXXX ( I may not remember the name correctly ) and I provided the full answers to their questions.. I negotiated with bank and bank agreed to provide me temporary credit which would falll nightly and I would have to request that funds to be credit back continuously until the investigation progress and I would. receive a provisional credit. How ever after a few times bank refused to provide me that temporary credit. After rno hearing back from bank regarding the investigation and h=whom is handling it, I was made aware by agent name XXXX who is customer service supercviser, on or about XX/XX/XXXX, that due to not sufficient information taken by the previous agent, the claim ( dispute request ) had been closed without my knowledge or any prior communications. So XXXX month had passed and we had to re open the invsietgaion on July XXXX XXXX ( or around ) and bank has been refusing to provide me temporaay credit The total amount of dispute is {$2000.00} which comprised of XXXX separate disputes against the same merchant XXXX {$920.00} and XXXX ). This bank clear negligence has caused me severe financial distress to the point I am unable to even pay my necessary bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a XXXX Citi bank XXXX card that was stolen, I called the company to get a new XXXX issued costomer service asured me they would send me a new card. I wated a few weekes without hearing anything or receiving a new card. I called then to ask where my card was and they said they closed my account, i asked why but they refused to tell me why. I asked to talk to someone who could tell me why and they said no one in the comapny knows and they can't tell me. this caused me to lose access to my XXXX XXXX  ( aprox {$200.00} ) I hope the coampany can contaxct me and reopen my account and issue me a new card with my rewards points restored.

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 2025-08-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C.

1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding these inaccurate entries, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. 
This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. In XX/XX/year>, Equifax was fined {$15.00} million for improper investigations and failure to comply with FCRA accuracy requirements. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I have charge off and reposs on my report, that those not belong to me. Sent in information letting them know it's not mind and nothing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit 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 opened a Macys Citi credit card in XX/XX/2024 and made a single purchase with the card. Shortly afterward, my mailbox was broken into and the card was stolen. The individual who committed the fraud changed my account information, including my mailing address, phone number, and other contact details. 

Because of these unauthorized changes, I never received any billing statements by mail or email, and I did not have the account information needed to view or pay the bill online. On multiple occasions, I attempted to pay the outstanding balance at Macys, but was told that there was no bill to pay. 

I only discovered several months later that fraudulent charges and interest fees had been accumulating on my account. I immediately disputed these charges, beginning in XXXX, and explained that they were the result of fraud. Despite this, Macys has done little to resolve the issue. I have already paid for my original purchase, yet the account continues to show only fraudulent interest charges. 

Now, I am being threatened with collections for charges that stem entirely from fraud. I am requesting that Macys and Citi remove all fraudulent charges and interest, correct the account, and provide written confirmation that the debt will not be sent to collections.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX I am submitting a formal complaint regarding inaccurate reporting, failure to verify, and improper notice of a collection account on my credit report. I request a full investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 



Background and Timeline 1. Original Reporting by XXXX XXXX XXXX  The account was first sent to XXXX, which reported it on my credit report with an opened date of XX/XX/XXXX. 
2. Prior Dispute and Removal I disputed the XXXX  account through CFPB. The account was removed from my credit report due to lack of verification. 
3. XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX recalled the account from XXXX. XXXX closed the account in their system and submitted a request for tradeline deletion around XX/XX/XXXX. 
4. Reporting by CREDENCE RESOURCE MANAGEMENT The debt was subsequently reported by CREDENCE with an opened date of XX/XX/XXXX, which is inaccurate and future-dated relative to the original delinquency. 
XXXX. Lack of Notice and Verification I was never notified by XXXX XXXX XXXX or CREDENCE  of the recall or reassignment. 
The agency has not verified the accuracy of the debt before reporting, despite prior removal. 



Violations of Law Future-Dated Opened Date / Inaccurate Reporting Reporting the account with an opened date of XX/XX/XXXXXXXX  is inaccurate. 
Law : FCRA 1681e ( b ) Credit reporting agencies and furnishers must maintain maximum possible accuracy.

Failure to Investigate / Verify Debt CREDENCE reported the debt without verification after prior removal. 
Law : FCRA 1681i ( a ) Disputed information must be investigated and verified before reporting.


Law : FDCPA 1692e & 1692f Reporting a debt without verification constitutes misrepresentation and unfair practices.

Lack of Notice to Consumer I was never notified of the recall or reassignment of the account.

Law : FCRA 1681s-2 ( a ) Furnishers must provide complete and accurate information and notify consumers before reporting debts.

Law : FDCPA 1692g Consumers must be provided verification rights and notice of alleged debts.

Double Reporting / Re-Aging of Debt Reporting a previously removed account as a new account with a future date. 
Law : FCRA 1681c Reporting dates must reflect the original delinquency ; resetting the clock or re-aging is illegal. 
Law : FDCPA 1692e Misrepresenting the status or age of a debt is deceptive and prohibited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AZ

Complaint narrative:
I am filing this complaint against Transunion for multiple FCRA violations, Metro 2 compliance failures, and unlawful reinsertion/re-aging of a charged-off credit card account ( ending in XXXX ). 
This account was previously deleted from my credit reports but later reinserted without proper certification and without the required written notice within XXXX business days, violating FCRA 611 ( a ) ( 5 ) ( B ).

In addition, XXXX XXXX has furnished inaccurate and contradictory data across all three CRAs : Date of First Delinquency ( DOFD ) : Equifax reports XX/XX/XXXX, Experian omits entirely, TransUnion omits entirely. 
Payment History Grid : XXXX  shows XXXX and XXXX  day late codes in XXXX, while XXXX  skips XXXX entirely, and TransUnion provides no grid at all. 
Charge-Off Reporting : All three CRAs show continuous CO codes into XXXX despite XXXX in XXXX, unlawfully re-aging the account and extending derogatory reporting beyond the XXXX limit. 
Last Payment Date : Conflicting across bureaus ( Equifax XX/XX/XXXX, Experian conflicting, TransUnion missing ). 
Compliance Condition Code : XXXX XXXX has not applied the required XB code ( consumer disputes, investigation pending ), violating Metro 2 standards. 
These contradictions show systemic noncompliance with 623 ( a ) ( 5 ), 623 ( b ) ( 1 ), and 607 ( b ) ( maximum possible accuracy ). Transunion is not conducting reasonable investigations, but instead continues to verify ownership while ignoring field-level inaccuracies.

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 2025-08-19 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: NJ

Complaint narrative:
After submitting a successful dispute, the inaccurate account was removed from my credit report. However, it was recently reinserted without any prior notice or explanation, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies are required to notify the consumer within five business days if deleted information is reinserted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXX/XX/year>

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 2025-08-19 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: NJ

Complaint narrative:
After submitting a successful dispute, the inaccurate account was removed from my credit report. However, it was recently reinserted without any prior notice or explanation, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies are required to notify the consumer within five business days if deleted information is reinserted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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