vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information that is being reported on my TransUnion credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following accounts and inquiries : Accounts in Dispute : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Reason for Dispute : This account has been inaccurately reporting late payments. I request a full investigation and removal of all incorrect late payment notations as they are not valid or properly verified. 
Inquiries in Dispute : XXXX XXXX  XX/XX/XXXX XXXX Fin XX/XX/XXXX Reason for Dispute : These inquiries were not authorized by me and should be removed immediately as they constitute unauthorized access to my credit profile.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX  ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ). 
Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts. 



2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate.

Judicial Precedents Collins v. Experian Information Solutions , Inc. ( 11th Cir. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ).

Taylor v. First Advantage Background Services , Corp. : The plaintiff alleged that XXXX XXXX  willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 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: GA

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-25 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: GA

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive identified collection accounts on my credit report that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXXXXXX Cell : ( XXXX ) XXXX Email : XXXX Account Numbers : XXXX & XXXX Re : Complaint Against Citibank Deceptive and Misleading Banking Instructions/Practices To Whom It May Concern : I am filing this complaint regarding deceptive practices by Citibank, XXXX XXXX XXXX XXXX XXXX XXXX CA, specifically involving banker XXXX XXXX XXXX XXXX ID : XXXX ). 

Facts of the Complaint On XXXX XXXX advice, I deposited {$35000.00} into a Citibank savings account. 

In XXXX, I was told by XXXX that maintaining at least a {$30000.00} balance for 3 months would qualify me for a {$750.00} promotional bonus. 

I complied fully with these instructions and maintained the required balance throughout the 3-month period. 

When the time came to issue the bonus, Citibank refused to pay, asserting for the first time that I also needed to maintain a checking account. 

Grounds for Complaint This checking account requirement was never disclosed to me at the time of account opening. Had I been properly informed, I would have complied without hesitation. The omission of this material condition misled me into depositing and holding funds under false pretenses. 

Such conduct constitutes : Deceptive and unfair business practices under federal consumer protection laws. 

Failure of disclosure obligations required of national banks. 

Unfair financial practices under California law. 

Harm Suffered I was denied a {$750.00} ( or greater ) promotional bonus that I rightfully earned by fulfilling the requirements as conveyed to me. Beyond the financial loss, I suffered significant frustration and loss of trust in Citibanks integrity. 

Requested Resolution I respectfully request that : Citibank be required to honor the full {$750.00} promotional bonus. 

Citibanks disclosure and sales practices regarding promotional offers be reviewed and corrected to prevent future consumer harm. 

This incident be investigated as a potential pattern of deceptive practices. 

Thank you for your time and attention. Please contact me at ( XXXX ) XXXX or XXXX if further information is required. I can provide account statements, deposit records, and related documentation upon request. 

Sincerely, 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 2025-09-25 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/XXXX, a {$99.00} XXXX XXXX charge posted to my XXXX XXXX debit card ending in XXXX. I did not authorize, benefit from, or participate in this transaction. 

I reported the charge immediately on XX/XX/XXXX and filed a fraud claim. I included : Location records/screenshots showing I was not at or near any Ulta store at the time of the charge Account history showing consistent use only for housing, utilities, and fuel, with no history of XXXX purchases A statement that my physical debit card has not been in my possession since XXXX ( no later than XX/XX/XXXX ) XXXX XXXX  responses show major compliance problems under Regulation E ( 12 CFR 1005.11 ) : Initial denial ( XX/XX/XXXX ) : They determined no error occurred without confirming whether they had obtained or reviewed merchant evidence ( CCTV, POS receipt/device logs, signature or PIN data ). 

Appeal demand ( XX/XX/XXXX ) : They insisted on an exact date from XXXX when I lost the card an unreasonable burden since Regulation E does not require an exact recall of events years prior, only timely notice of an unauthorized transaction. 

Contradictory statements ( XX/XX/XXXX ) : XXXX message said : XXXX credit is not issued during the appeal process and there is no specific timeframe. Both statements contradict XXXX XXXX, which requires provisional credit if an investigation takes more than XXXX business days, and resolution or notice within XX/XX/XXXX days. 

A later message claimed they had issued provisional credit on XX/XX/XXXX but reversed it after finding no error. These contradictory explanations highlight confusion and potential noncompliance. 

Failure to review merchant evidence : To date, XXXX XXXX has not confirmed whether they obtained and reviewed XXXX XXXX footage, POS receipts, or device identifiers. Instead, they appear to have relied solely on internal records. 

This pattern of denial and delay violates the spirit and letter of Regulation XXXX, which is designed to protect consumers from unauthorized electronic fund transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 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: MA

Complaint narrative:
The following lists of accounts were opened fraudulently in my name when I was just a child. I was not of a legal age to hold credit. I was a minor and these accounts should not be placed on my file : 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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attached the letter too and they could not provide the promissory note of this alleged debt. XXXX is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am filing a follow up complaint against XXXX Bank XXXX and the credit reporting agencies for inaccurate, incomplete, and misleading reporting on my credit file. The account in question is : XXXX Bank XXXX Account : XXXX Balance : {$4400.00} This account has been reported as a charge-off written as profit/loss, yet no Form 1099-C was issued to the IRS as required when a creditor cancels or forgives debt over {$600.00}. According to IRS regulations, if a debt is truly forgiven, it must be reported to the IRS on a 1099-C. Failing to do so means the debt has not been properly cancelled and therefore should not be reported as a profit/loss charge-off. This inaccurate reporting is damaging my credit profile. Additionally, this account is not reported in Experian and TransUnion, while it remains present in other reports, causing inconsistencies and misleading data. This creates a violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA 611 ( 15 U.S.C. 1681i ) Consumers have the right to dispute inaccurate or unverifiable information. Credit bureaus must reinvestigate and correct or delete the item if it can not be verified. FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers must report only accurate and complete information. Reporting a profit/loss without a 1099-C, and failing to report consistently across all bureaus, violates this duty. FCRA 623 ( b ) Once a dispute is filed, furnishers must investigate, review all relevant information, and correct or delete inaccurate information. IRS 1099-C Rule Creditors are legally required to file a 1099-C for any forgiven debt exceeding {$600.00}. Reporting a profit/loss charge-off while not issuing a 1099-C is misleading and creates financial harm. XXXX XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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 2025-09-25 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX BANK Balance Owed : {$570.00} XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been charged for an XXXX XXXX for approximately 3 months on my Capital One Card. Approximately 4 months ago my XXXX XXXX account was hacked and I complained to XXXX itself. They said they restricted the account but could not help me with what I am being charged with. I cant be aided or even access the account because it doesnt exist under my email anymore after being hacked or just doesnt exist at all. They told me to dispute charges with capital one and I did so, which resulted with capital one stating they could not aid me. I am still being charged XXXX a month for something I am not purchasing and this is terrible they wont help me. I just want my card to be safe and to quit being charged for services I do not have or purchase. I am this closing to closing all my capital one accounts just because the lack of aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
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
Consumer complaint received 2025-09-25 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
After it was deleted off my credit report all of a sudden it come back on my credit report as a collection out of nowhere after I already had a remove off of my credit report and I was back on as a collection instead of a inquiry

Company response to consumer: Closed with explanation