vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
There is an erroneous account listed in my credit history that I did not authorize or recognize. It is clear that this was fraudulently opened.

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 2025-07-24 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: MD

Complaint narrative:
Equafax has wrong information on my credit report that does not belong to me I have asked to be removed via identity theft they are refusing at this point no information has been removed. 

Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Im being charged Account Assure fees and finance charges on a XXXX XXXX XXXX XXXX tied to a now-closed business. I have not used the card, yet I continue being charged fees that are pushing me over my limit and damaging my credit. Ive asked the issuer ( Comenity Capital Bank ) to correct this and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-24 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-07-24 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 am resending this complaint to EQUIFAX regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified. 

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NH

Complaint narrative:
In XXXX of XXXX, I applied for an apartment at the XXXX  XXXX XXXX  XXXX  in XXXX, NM, paying an application fee. I paid an additional hold fee, but ultimate did not accept an apartment there. Forr the past almost 3 years the complex has been billing me for {$310.00} despite the fact that I did not accept an apartment there ; they subsequently submitted the bill to collections. I filed disputes with all 3 credit reporting agencies, as this collections account.has negatively impacted my credit ; however, all 3 credit reporting agencies denied the appeal. I don't know where to turn or what to do to get this off my credit report. Early messages to XXXX XXXX in late XXXX and early XXXX ( by email, but no longer have the emails ) went unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I spoke with CREDENCE RESOURCE MANAGEMENT on Monday XX/XX/year> and I explained to them that I had not received a bill stating that I in fact owe this debt. They have not provided documentation they just continue to call. I viewed my credit today and they added this account to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disputing the continued reporting of XXXX JPMorgan Chase Bank ( JPMCB ) credit card accounts ( ending in XXXX, XXXX, and XXXX ), which were fully paid and closed. Despite resolution of these accounts, XXXX XXXX XXXX XXXX continue to report them with the derogatory notation Paid. Closed. $ XXXX, XXXX written off, and have recently updated the status date and last payment date to XXXX and XX/XX/2025. 

This reporting constitutes a willful violation of FCRA 605 ( c ), which mandates that the XXXX reporting period for derogatory accounts begin at the Date of First Delinquency ( DOFD ), not the date of last activity or payment. Chase has illegally re-aged these tradelines by furnishing materially misleading payment and status updated dates without any lawful basis or consumer-initiated activity. This tactic is expressly prohibited under XXXX XXXX guidelines, which require accurate aging and prevent re-aging of charged-off, paid, or settled accounts. 

Moreover, the inconsistent reporting across the three credit bureausalong with Chases failure to correct or remove these accounts after notificationviolates FCRA 1681s-2 ( b ) ( duty of furnishers to investigate and correct inaccurate information ) and 1681i ( a ) ( 5 ) ( requirement for credit bureaus to delete unverifiable information ). These tradelines are not only inaccurate but materially misleading, damaging my creditworthiness by presenting the false appearance of unresolved or recently delinquent debt. 

As a direct consequence, I have suffered adverse credit decisions, including credit denials, higher interest rates, and reputational harm. Chases continued furnishing of this data, in its current form, is both inaccurate and incomplete, and therefore must be immediately deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that this is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

As required by law, I respectfully request the following : The amount of the alleged debt ; The name and address of the original creditor ; A copy of the signed contract or agreement showing I agreed to the debt ; A full account history, including all interest, fees, payments, and charges ; Proof that your company is legally authorized to collect debts in my state ; Documentation of any judgment, if applicable ; Evidence that you own or have been assigned the debt. 

While this debt is being validated, I request that you cease all collection efforts, including reporting to the credit bureaus. If you have already reported this information, note that under 15 U.S.C. 1692e ( 8 ), you must mark the account as " disputed '' until the matter is resolved. 

This is not a refusal to pay but a request for validation of this debt. Please respond within 30 days with the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

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 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 2025-07-24 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:
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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-07-24 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: U.S. BANCORP
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi abruptly closed my Citi XXXX XXXX credit card account, which I have had since XXXX, without any advance notice, justification, or warning. I have never missed a payment, and I have paid my entire statement balance in full every single month for the life of the account. Ive been a responsible cardholder for over 7 years. 

At the time Citi closed my account, I had over {$700.00} in unredeemed cash rewards that I had earned through consistent usage and full payments. After closure, I was locked out of the rewards portal, making it impossible to view or redeem my earned rewards. 

I called Citi customer service and was told : They could not tell me why my account was closed. 

They could not provide a statement or breakdown of my rewards balance. 

The only way to access the rewards is through the online portal which is now blocked due to the account closure. 

There is no alternative method to recover the cash rewards I earned. 

To make matters worse, the representative I spoke to then began pretending she could no longer hear me, despite the call being clear on my end. It was an obvious attempt to end the conversation and avoid accountability. This behavior was unprofessional and unacceptable. 

I am now being denied access to over {$700.00} in earned rewards, with no explanation, no redemption path, and no recourse, despite being a long-standing, responsible customer with a flawless payment history. This is not only unethical, but it borders on fraudulent. 

Requested Resolution : Immediate written confirmation of my full rewards balance. 

Prompt issuance of a check or credit for the full amount of unredeemed cash rewards. 

A formal, written explanation for why the account was closed. 

A review of this conduct by Citis executive-level customer care team.

Assurance that this closure will not negatively affect my credit or payment standing.

This complaint requires urgent escalation and resolution. I have exhausted all internal customer service avenues and am now seeking regulatory intervention to ensure I am made whole.

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 2025-07-24 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: FL

Complaint narrative:
This is my XXXX  and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-07-24 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: FL

Complaint narrative:
This is my XXXX  and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: VA

Complaint narrative:
I use an XXXX XXXX XXXX  run by Branch. On XX/XX/XXXX there was a random transaction made with no merchant name in the amount of XXXX. I have called their support numerous times to dispute it, but I can not dispute it until I get the merchant name, and it has been over a month and I still can not get the name of the merchant. This is unfair. They are taking money and not even giving me the courtesy to say what it was for. or to whom it was for. And then arbitrarily not letting me dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-07-24 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: IN

Complaint narrative:
I am requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within 15 days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
On XX/XX/2025, I mailed a formal dispute letter to TransUnion with my proof of address, copy of social security card and identification, requesting verification of certain accounts listed on my credit report. Specifically, I asked TransUnion to provide proof of contract bearing my signature for each of the accounts I disputed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report. However, I did not receive any documentation or signed contracts verifying that I agreed to the alleged debts. TransUnion instead provided a generic response stating the accounts were verified without any supporting documentation.

This is a violation of the following consumer protection laws : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If the reinvestigation does not resolve the dispute, the agency must delete or modify the information.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the accuracy of information.

15 U.S. Code 1681g : Consumers have the right to receive all information in their file, including the sources and evidence used to verify accounts.

TransUnions failure to provide proof of the alleged debts, such as a contract or application bearing my signature, and its refusal to delete unverifiable information constitutes non-compliance with these sections of the FCRA.

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