vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
XXXX XXXX has been reporting an inaccurate auto loan balance to the credit bureaus for multiple months despite its own internal records reflecting the correct balance. 

According to XXXX XXXX customer portal and statements, my correct loan balance as of XX/XX/year> is {$17000.00}, and a payment of {$690.00} was successfully received and applied on that date. However, Experian and TransUnion continue to report an inflated balance of {$19000.00}, which is approximately {$2000.00} higher than the accurate balance. 

I disputed this inaccurate balance with the credit bureaus, and those disputes were completed. Despite having actual knowledge of the correct balance through its internal records, XXXX XXXX failed to update or correct the information it furnished to the credit bureaus. 

I contacted XXXX XXXX multiple times by email to request correction of the inaccurate reporting and received no response. The inaccurate balance has continued to be reported for several months. 

As a direct result of this continued inaccurate reporting, my XXXX XXXX has remained suppressed. I was denied a XXXX XXXX XXXX, which prevented me from assisting my son with college tuition and related educational expenses. This represents ongoing financial harm caused by XXXX XXXX failure to update previously furnished information. 

XXXX XXXX actions constitute continued inaccurate reporting and failure to correct known errors after notice, in violation of the Fair Credit Reporting Act. I am requesting immediate correction of the reported balance with all credit bureaus and written confirmation that accurate information has been transmitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear XXXX I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account that was previously in collections. 

I want to acknowledge that I fully understand my financial obligations, and I have since paid the outstanding balance. I am committed to maintaining a positive payment history and improving my creditworthiness. 

I kindly request that, as a gesture of goodwill, you consider removing this collection account from my credit report. This adjustment would greatly help me continue on my path to financial stability. 

Thank you for your time and consideration. Please feel free to contact me at XXXX if you need any further information. 

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 2025-12-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear XXXX I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account that was previously in collections. 

I want to acknowledge that I fully understand my financial obligations, and I have since paid the outstanding balance. I am committed to maintaining a positive payment history and improving my creditworthiness. 

I kindly request that, as a gesture of goodwill, you consider removing this collection account from my credit report. This adjustment would greatly help me continue on my path to financial stability. 

Thank you for your time and consideration. Please feel free to contact me at XXXX if you need any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX. XX/XX/XXXX - we received an email from Citicards that stated, " Based on the recent travel-related activity on your Citi card XXXX it appears that you're traveling soon. to make things easier for you, we've added a travel notice to. your card to help prevent possible purchase interruptions. '' The remainder of the letter indicated support and further safety issues regarding using the card. The letter ended with, " Citi is at your side before, during and after every purchase. '' XXXX. XX/XX/XXXX - we attempted to place an order online using our Citi XXXX XXXX XXXX. The transaction was decline. We proceeded to call Citi Card Services. They confirmed that the account was closed and could provide no reasons. We were told to submit our concerns and questions in writing. 
XXXX. XX/XX/XXXX - we mailed a letter to Cards Services Support Unit, per their directions. We asked for specific reasons for the termination of the account, as well as why our earned XXXX XXXX XXXX were also forfeited. We have been card holders in good standing and monthly balances paid on time. 
XXXX. On approximately XX/XX/XXXX - we received this response from the Citi Cards XXXX Support Unit : We are writing to you in response to your request for a statement of specific reasons for the action taken to close your XXXX XXXX XXXX account. 

As a result of a previous review of your Citi banking accounts, we had notified you that your Citi banking relationship was terminated as of XX/XX/XXXX. In accordance with our decision to no longer do business with you, the above-referenced account was closed as of XX/XX/XXXX. 

We respectfully decline to reinstate the XXXX XXXX Rewards that were forfeited due to the closure of your account. The terms and conditions of this program explain that if we close your account, you will no longer be able to earn or redeem your XXXX XXXX XXXX, and you will forfeit any accumulated XXXX XXXX XXXX. 

We appreciate the opportunity to respond to your inquiry. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX - we called Citi Cards XXXX XXXX, at the number provided above. The agent stated that the information stated in this letter ( specifically termination on XXXX XXXX, XXXX ) was not consistent with the information in our account. He stated that something is not correct and needs XXXX review. 

XXXX. XX/XX/XXXX - spoke with a XXXX at XXXX. He will be discussing this with his contact agent from Citi Cards. 

XXXX. XX/XX/XXXX - submitting complaint to CFPB and will send a written reply to Citi Cards Services Support Unit regarding the inaccurate information in their 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed multiple accounts on my TransUnion credit report due to concerns regarding accuracy, ownership, and lawful reporting. On or about XX/XX/year>, TransUnion sent me a letter stating that the disputed items were verified, updated, or previously confirmed. However, TransUnion failed to provide any documentation or evidence demonstrating that a reasonable investigation or lawful verification was conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The disputed accounts include : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX Despite my dispute, TransUnion did not provide copies of any documents obtained from the data furnishers, nor did it explain the specific verification methods used. The only information provided was a summary or printout of data displayed on TransUnions website, which does not constitute independent verification or competent evidence of accuracy. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedures used to determine the accuracy of disputed information, including the method of verification, the identity of the furnishers, and the documentation relied upon. TransUnion has failed to comply with this requirement. 

By continuing to report these accounts without providing lawful verification, TransUnion may be engaging in negligent or willful noncompliance with the FCRA, including violations of 15 U.S.C. 1681i, 1681e ( b ), 1681n, and 1681o.

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 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: KY

Complaint narrative:
The account was owned by me and friend, I had one phone and she had two phones. They were over charging us for months and we complained and they never did anything to lower our bill but we still payed our whole bill every month. We then switched our phones to a different carrier and then months later I seen on my credit score they had charged sent it in as a debt collector so I reached out to the debt collector and asked them what, and why am I being charged for this old account that I dont even have anymore and why was nothing ever said. Also what information could they tell me and they couldnt tell me anything other than I owed over XXXX dollars.

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 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
The company called and stated that I would have to pay a debt. They contacted my XXXX, I pad the agreed first amount and now I am being harassed and was told by the company that sold my loan that they are not aware of this agency. They agency could not process yesterdays payment of {$100.00} due to my provinding them my XXXX XXXX XXXX. So I would have to transfer the funds, the company called XXXX time, I only have XXXX missed call and they threatened to contact my employer, stating that my being on their premises will result in them serving me and they also used aggressive, violent, and strong language such as good luck I have the voicemail saved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
On XX/XX/year>, I mailed a written debt validation request via Certified Mail to XXXX XXXX XXXX for a collection account ( Acct ending in XXXX ). Per XXXX tracking, the company received this request on XX/XX/year>. 

Instead of providing validation as required by 15 U.S.C. 1692g, XXXX XXXX XXXX updated the account on my Experian report on XX/XX/year>. This constitutes 'continued collection activity ' on an unvalidated debt. 

Furthermore, in a previous CFPB complaint ( Case # XXXX ), the company admitted in writing that they 'did not re-send the documentation. ' Despite this admission, Experian 'verified " the account as accurate. Experian is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation. If the furnisher admits they did not provide documentation, Experian could not have possibly verified the account status. I also requested the Method of Verification XXXX XXXX  ) under 15 U.S.C. 1681i ( a ) ( 7 ), which Experian has failed to provide. I demand the immediate deletion of this unverifiable information per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Equifax credit report and found inaccurate account information being reported for my XXXX credit card account ( Account # XXXXXXXX XXXX XXXX  ). Equifax is reporting the account as XXXX and XXXX with {$0.00} balance and {$0.00} past due, yet the payment history grid shows a XXXX-day late ( XXXX ) for XX/XX/year>. This late mark is inaccurate and inconsistent with the account being reported as current. 

I have disputed this issue in multiple rounds, but the late payment continues to appear and/or be returned as verified without a clear, evidence-based explanation. I am requesting a good-faith reinvestigation under the FCRA. Equifax must review all relevant information and require the furnisher to provide documentary proof supporting any claim of delinquency, including the complete payment ledger ( due date, payment received date, posting date ) and the periodic statement for the disputed cycle. 

If Equifax can not obtain and review documentation that proves the late payment is accurate, then the late mark must be deleted or corrected as unverifiable. I am attaching supporting documentation and a copy of the relevant portion of my credit report showing the inaccurate XXXX-day late entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called BMO BANK and informed them that I was having severe health problems and would not be able to make future auto loan payments I told them where the car was and they agreed to come pick up car and bill me for the difference after auction and insurance. I was never late the loan was not a charged off account my GAL insurance paid the balance off there was a credit on my account after all of that and I still have not got the refund of Gap insurance overage from BMO BANK and I have been trying diligently for a year a d it has caused me XXXX and anxiety and suffering because I really need the money and they refuse to give to me after I have done everything they asked they also have a charge off on my credit report that I have disputed yet they don't do anything with any of it.

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 2025-12-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on XX/XX/25 XXXXXXXX XXXX requested access to credit report from Transunion on behalf of a fraudulent individual who hacked my personal information and applied for a credit card through XXXX XXXX, although I had a credit freeze placed on my account. This individual removed the credit freeze by logging into Transunion account and had XXXXXXXX XXXX acess my credit report. He even changed my email address and phone number in my transunion account. 
I was alerted by XXXX XXXX creditwise that someone has changed my address in my Transunion account and also said that my credit history was shared with XXXX XXXX. 
I called XXXX immediately and reported that this application for credit card is fraud and that it should not be processed. I also called Transunion and reported that this fraudulent activity, deactivated my existing online account and established a new account with new credentilas. Placed a fraud alert and credit freeze again in my Transunion account. 
But upon checking my credit report the XXXX enquiry is still on my credit report. I asked transunion to remove this enquiry, but they refused and said that I need to report this to FTC and they need a copy of the report to delete this enquiry from my credt history. Please investigate this person who impersonated me to obtain credit card using my credit history. Thank you.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
CFPB Complaint : Unauthorized XXXX Transactions via XXXX XXXX XXXX : JPMorgan Chase & Co . 
Product : Checking or savings account On XX/XX/year>, at approximately XXXX XXXX XXXX, my XXXX went missing at a bar near my place ( XXXX XXXX XXXX XXXX ) The phone was unlocked at the time, and the Chase mobile app was open. The perpetrator had physical control of my device for approximately two hours. 

During that time, the perpetrator initiated seven ( 7 ) unauthorized XXXX transactions, totaling {$310.00}, from my checking account. The funds were sent to two unknown recipients, labeled as " TTN '' and " TSN, '' whose contact information was added to my XXXX account only seconds before the transfers occurred. These transactions also included gibberish messages ( " ss '' ) inconsistent with my normal banking behavior ( e.g., " groceries '' and " general ''. ) I reported this fraud to the Chase Fraud Department immediately but the office was closed so I was asked to call the following morning on XX/XX/year>. The bank initiated a claim but subsequently denied it, stating that the transactions were authorized because my XXXX  XXXX  was used and no temporary credit was provided I dispute this denial on the following grounds : Unauthorized Access : I did not authorize these transactions. The funds were transferred by a thief who gained access to my unlocked phone through physical theft and duress. 
Regulation E Protections : Under the Electronic Fund Transfer Act ( Regulation E ), unauthorized transfers are protected. The use of biometrics prior to the theft does not constitute authorization for subsequent fraudulent transfers by a third party. 
Internal Fraud Detection : XXXX 's own system flagged the activity as suspicious, sending a One-Time Password ( OTP ) request to my phone during the 5th transaction. This proves the system internally recognized the behavior as fraudulent. 
Police Report Filed : A formal police report has been filed ( Case # XXXX ), which documents the physical crime that led to the financial loss. The report has been uploaded to the Chase portal. 
I request a full investigation into the matter and a full refund of the {$300.00} in unauthorized transfers, in compliance with federal Regulation E guidelines.

Company response to consumer: Closed with explanation