vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
All three credit bureausXXXX XXXX, and TransUnionare currently reporting late payment notations for two accounts that I dispute as inaccurate and unverifiable. The first is an account from XXXX  with an account ending in XXXX XXXX XXXX XXXX XXXX reflecting a late payment dated XX/XX/XXXX. The second is an account from XXXX with an account ending in XXXXXXXX XXXX XXXX XXXX XXXX, reporting a delinquency dated XX/XX/XXXX. Both accounts show a past due balance of {$0.00} or provide no clear current delinquency, raising serious questions about the accuracy and legitimacy of the reported derogatory marks. 

These discrepancies directly violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a timely and thorough reinvestigation when a consumer disputes the accuracy of any item. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) requires deletion or correction of any information that is found to be inaccurate or can not be verified. Reporting a late payment while simultaneously indicating a {$0.00} past due balanceor failing to provide clarity regarding the statuscreates confusion, misleads potential creditors, and unfairly damages my credit standing. 

I have not been provided with any original account records or supporting documentation that clearly explains how these delinquencies were verified and why they remain despite the absence of any outstanding past due balances. Given the broader context of increasing data breaches, it's entirely reasonable to question whether the integrity of my credit file has been compromised due to erroneous third-party reporting or systemic data handling 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 non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice that Citibank is closing my account and restricting all access to my funds. I am the legal account holder and there are no overdrafts, chargebacks, or disputes. 

I was told I must wait up to 60 days to receive my balance by mail, but this is not reasonable. I requested an early disbursement at the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and by phone and was given the " up to 60-day '' 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 monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is a follow-up to my ongoing dispute regarding the following accounts which remain falsely reported under my Transunion and Experian credit file. Despite prior attempts to have these items removed, they continue to appear, even though XXXX  has deleted all of them and found them to be unverifiable and inconsistent.

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 2025-06-10 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Equifax is currently reporting a hard inquiry from XXXX dated XX/XX/year>. I am disputing this inquiry as inaccurate and likely the result of data compromise or improper data handling. I do not recall authorizing or initiating any credit application or transaction that would warrant this inquiry on or around that date. The lack of a corresponding account or legitimate transaction makes the presence of this inquiry both questionable and damaging to my credit profile. 

Hard inquiries, when reported inaccurately, can have a serious impact on a consumers credit score and overall creditworthiness. Equifax has a duty under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), to conduct a thorough and reasonable reinvestigation of disputed information on a credit file. Any inquiry that can not be verified as authorized by the consumer must be promptly removed under 15 U.S.C. 1681i ( a ) ( 5 ).

This erroneous inquiry could very well be linked to broader issues of data breaches and unauthorized access to personal informationevents that have plagued the credit reporting industry in recent years. If Equifax is including data that was inserted into my file without proper authorization or verification, they are compounding the harm already done by failing to safeguard and properly manage sensitive consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had applied for a credit card with Bank of America, they opened a secured credit card, they had an offer for {$200.00} cash rewards when you spend a certain amount in first 90 days, upon spending the qualifying amount I was not awarded the bonus cash reward, upon contacting Bank of America, they said I am in eligible for the bonus cash reward as the card was opened as a secure card. I filed a formal complaint # XXXX. I asked them 2 simple questions 1 why I was not informed about in eligibility when the card was opened. 2 All the other terms and conditions being late fee, interest on outstanding balances etc would be the same as a regular credit card. Furthermore after analyzing the usage of the credit card and timely payment of outstanding balances they returned the security deposit. Post the card has been converted I have met the condition set out when the card was opened as a secure card. This time Bank of America said since the card was not newly opened I do not qualify for the bonus cash back. My understanding is this amounts to unfair trade practices. No one from Bank of America has yet reached out to me post registering formal complaint mentioned earlier. Requesting your intervention.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: TN

Complaint narrative:
On XX/XX/year>, BMG Money claimed they attempted to withdraw a recurring payment in the amount of {$80.00} from my debit card ending in XXXX and was unsuccessful due to lack of funds. The payment then incurred a late fee, and was reported to all three major credit bureaus as late dropping my credit significantly and reporting as derogatory negatively impacting my credit profile. I sent an email regarding this falsity, asking for a speedy rectification to include the removal of the late fee as well as to properly report to all major credit bureaus that this was a mistake to regain my credit integrity. In my email, I provided them with my bank statements proving the funds were indeed available and their claims were false. After this, they sent an email saying they were looking into it, and another admitting their mistake. I was then called during work hours to which I informed the employee that it was not a good time, I called back later that day and was told I'd receive a call back as the person that called me was no longer available. This was XX/XX/year>. I not receive a call back so I called on XX/XX/year>. The first employee attempted to collect the payment that not now has the late fee. The next person I was transferred to was not helpful either and the third employee XXXX, lacked understanding, integrity and was the opposite of a pleasure to talk to. I am asking the company for a sincere apology, removal of the improper late fee, to properly report to the credit bureaus of their mistake to remove to negative remark on my profile and most importantly to me a solution that will give me piece of mind as a customer that this mistake will not happen again that does not require me to follow up with them every time a payment is due to verify that they got it as if I work for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venmo is holding {$1100.00} on my account. I am disappointed because this is my sons mortgage money. There is {$1000.00} on the balance that I can not withdraw and another {$60.00} pending that will probably be in the balance soon so a total of {$1100.00}. Let me withdraw my funds because this is emergency money. I demand Venmo to release, unfreeze, and give me my money now. This is unfair practice and this sets me back when it comes to bills and mortgage that needs to be paid. Will venmo pay for my late fees because they want to freeze my account with no reasoning. I already submitted my ID. My son was using my account with my permission, but theres no fraud or disputes on the account. The venmo account is in good standing. I just need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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:
Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief