vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-12 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
on XXXXXXXX XXXX I purchase atmospheric tank from XXXX XXXX  for XXXX. I received this product on XX/XX/year>. which was damaged, I reported this XXXX XXXX They told to me fix it, I told them no. Im not fixing a brand new product.

I requested my money back, they ignored my request. so I put a claim with my credit card company regarding this is issue, I submitted all the paper work regarding this situation and they denied my claim. 

XXXX XXXX has 120 day easy return policy, which was printed and submitted with the complaint and also this tank was also damage. pictures also was submitted to the credit card company and XXXX XXXX 

I DONT NOT WANT THIS PRODUCT.

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 2025-08-12 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
Back in XXXX  XXXX reported inaccurate information that is .on my credit report. They reported on the months of XXXX, XXXX, XXXX, XXXX, current XXXX, XXXX days past due XXXX, XXXX days past due, XXXX  XXXX  days past due, XXXX and XXXX  XXXX  days past due. I tried to call the company to get it corrected and no luck, I called Mohela because they have the loans now to let them know that it's incorrect and no luck. Disputed it with the credit bureaus and no luck. These late payments that are reporting are affecting my XXXX XXXX, even if it is closed. I will like for these accounts to be updated correctly. During this time my loans was supposed to be in forbearance while they wait on the XXXX application to be completed. Also how can the credit bureau keep updating my accounts as accurate and I can't even get in contact with the servicer XXXX, they keep sending me to Mohela cause now they service the old loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XXXX I was giving a check my an online work from home company to work remote which turned out to be a fraudulent check and because of it my account was deleted by Bank of America and I have been reported by XXXX XXXX XXXX ( XXXX XXXX which is stopping me from opening another account at another institution

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 2025-08-12 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: LA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX HPA, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-08-12 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: VA

Complaint narrative:
Hi. I would like Transunion and Equifax to update my correct information, I keep getting the run around, they have multiple names and addresses, I explained that I was a victim of identity theft in the XXXX 's and the information they have is not correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXL Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
On XX/XX/year>, XXXX unauthorized hard inquiries were reported on my Experian credit file from : XXXX XXXX XXXX I did not apply for any credit, card, or service with these companies, nor did I authorize these inquiries. This appears to be the result of identity theft. 

These inquiries were reported without my written permission, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ). I have attached my identity theft report and proof of identity. 

I am requesting that Experian immediately remove these fraudulent inquiries from my credit report and provide me with an updated copy reflecting the changes, as required by 15 U.S.C. 1681c2.

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 2025-08-12 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
I recently sent our lender a qwr request and only received a letter promising a written response and previously have tried to communicate with previous banks before the loan was sold to address these issues wich have led us to previous foreclosure issues but have only been delayed and we will be going into foreclosure as of XXXX this year after further revisions of our loan agreement we notice cloud of title i have tried contacting legal help but no lawyers will help any more delay will most likely lap statues on limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi credit card account in XX/XX/year> and have experienced repeated, unjustified fraud flags that have blocked my ability to use the card. Despite speaking with multiple supervisors who assured me the issue was resolved, the fraud alerts continue to occur every few days. 

Most recently, on XX/XX/year>, my account was restricted again due to a false fraud flag immediately after speaking with a Citi agent and without even using the card. I am currently unable to access or use my account, and this pattern has continued despite multiple documented attempts to resolve it. 

Additionally, Citi has failed to honor the welcome offer associated with my account. I was granted a two-week extension beyond the original XX/XX/XXXX deadline, and I entered into a qualifying rental agreement with XXXX on XX/XX/XXXX. However, due to the merchants billing practices, the transaction posted after the rental ended. Citi has refused to manually review or credit the offer, despite my documented efforts and good-faith compliance. 

I have also faced repeated verification barriers. Citi agents consistently ask for my phone numberalready on fileonly to tell me it can not be used for unspecified reasons. Even when I offer alternate numbers, they are arbitrarily rejected. This pattern has made it impossible to verify my identity and access my account. 

I submitted a formal complaint directly to XXXX XXXX XXXX XXXX but have received no response. I am requesting CFPB assistance to restore account access, resolve the welcome offer issue, and investigate XXXX repeated service failures.

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 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
The apartment complex 's collections department contacted me regarding damages that they claim were left after my move-out. I am certain there were no damages, and I have three witnesses to confirm this.

To verify the claim was for my specific unit, I requested photographic proof and receipts. In response, they sent me low-quality pictures and generic invoice templates from different companies. This raised a red flag. I then requested high-quality photos and invoices from a legitimate contractor. They did not send me anything other than a corrupt file that wouldn't open. When I requested the information again, they forwarded my account to collections. 
I received an email from the debt collector and responded the same day. A few days later, they sent me the same invoices that the apartment complex had previously provided. I again requested pictures, but they never sent them. When a debt collection agent called me, I informed them not to call again unless they could validate the debt and provide high-quality pictures of the claimed damages. I also stated that I was prepared to go to court if necessary. The agent responded with, " Good luck with that, '' and hung up.

I am now writing this because I have discovered that they have reported this debt to the credit bureaus, and it is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I saw that my XXXX credit score suddenly dropped significantly, when I logged in to my bank account. Upon inquiry with XXXX, my credit agency, I learned that a company [ SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX ] has filed a collections report against me. This is for a charge of {$290.00} from a company called XXXX XXXX, for " Cable/Cellular '' service. However, i do not know this company and have never used them, nor have they ever contacted me. Here is a report of the " dispute '' I filed with XXXX  : Account Number XXXX XXXXXXXX Date Reported XX/XX/year> Date Assigned XX/XX/year> Creditor Class Cable/Cellular Client Name SEQUIUM ASSET SOLUTIONS, XXXX  Original Amount {$290.00} Status Date XX/XX/year> Date of 1st Delinquency XX/XX/year> Balance Date XX/XX/year> Balance Amount {$290.00} Last Payment Date Unpaid Whose Account Individual Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I am currently in the process of leasing a home for myself and my child. During this process, I discovered that my credit report damages which I believe to be inaccurate and misleading. Under the Fair Credit Reporting Act 15 U.S.C. 1681 I understand that credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The presence of these erroneous entries not only violates this legal standard but also unjustly impacts my reputation and character.

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