vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I requested XXXX XXXX XXXX XXXX to show proof of original contract. XXXX contracted couldn't be provided, therefore negative information reporting to my credit needs to be removed immediately.

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 2025-04-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved issue with my Citi Custom Cash Card and Citis lack of support following an unauthorized transaction.

I discovered an unauthorized transaction made using the virtual account number of my Citi Custom Cash Card. I immediately deactivated the virtual account number and reported the issue to Citi. 
Card number : XXXX Virtual account number : XXXX Unauthorized transaction date : XX/XX/year> Unauthorized transaction merchant name : XXXX XXXX FL Unauthorized transaction amount : {$14.00} Citi informed me that they needed to verify my identity, but they were unable to send the SMS verification code to my phone due to a system issue on their end. As a result, my account was locked, and I was told I would need to wait for a physical letter to regain access. I am currently traveling for an extended period and will likely not be able to receive this letter in a timely manner.

I called the payment platform ( XXXX XXXXXXXX ) where the unauthorized transaction occurred. They acknowledged the charge was unauthorized and agreed to issue a refund. However, since my virtual card number was deactivated, they were unable to process the refund and advised me to have my bank contact them directly.

When I contacted Citi again, they refused to assist, stating that they still could not verify me and therefore would not provide any support or information related to the transaction or the refund process.

I do not understand why Citi is unable to verify my identity or why no alternative verification options are offered. The situation is very confusing and frustrating. I have taken all reasonable steps to resolve the issue, yet I am left without access or support.

Thank you for your attention to this matter.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I sent via certified mail to XXXX XX/XX/XXXX15 USC 1681 & 1666 dispute letters demanding late payments be removed from my credit report for accounts ending in XXXX and XXXX. 

On XX/XX/year>, I sent via certified mail to XXXX XX/XX/XXXXdemanding a 1099c for the charge off accounts posting on my credit reports for accounts ending in XXXX and XXXX. 

XXXX XXXX responded vias correspondences that for both accounts, that XXXX XXXX did not file a XXXX as there was not a forgiveness of over {$600.00} for either account. 

XXXX day later, XXXX XXXX sent additional correspondences stating that the account ending in XXXX was charged off in the amount of {$930.00} and account XXXX was charged off in the amount of {$1700.00}. 

Both accounts are over {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
On XX/XX/year> I sent via certified mail to XXXX XXXX  15 USC 1681 & 1666 dispute letters demanding late payments be removed from my credit report for accounts ending in XXXX and XXXX. 

On XX/XX/year>, I sent via certified mail to XXXX XXXX  demanding a 1099c for the charge off accounts posting on my credit reports for accounts ending in XXXX and XXXX. 

XXXX XXXX responded vias correspondences that for both accounts, that XXXX XXXX did not file a XXXX as there was not a forgiveness of over {$600.00} for either account. 

One day later, XXXX XXXX sent additional correspondences stating that the account ending in XXXX was charged off in the amount of {$930.00} and account XXXX was charged off in the amount of {$1700.00}. 

Both accounts are over {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
On XX/XX/year> I sent via certified mail to XXXX XXXX 15 USC 1681 & 1666 dispute letters demanding late payments be removed from my credit report for accounts ending in XXXX and XXXX. 

On XX/XX/year>, I sent via certified mail to XXXX XXXX  demanding a 1099c for the charge off accounts posting on my credit reports for accounts ending in XXXX and XXXX. 

XXXX XXXX responded vias correspondences that for both accounts, that XXXX XXXX did not file a 1099c as there was not a forgiveness of over {$600.00} for either account. 

One day later, XXXX XXXX sent additional correspondences stating that the account ending in XXXX was charged off in the amount of {$930.00} and account XXXX was charged off in the amount of {$1700.00}. 

Both accounts are over {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
Upon recently checking my credit reports I found that there were fraudulent inquiries and accounts from companies that I dont recognize. 
The following list below are the names, dates and amounts of the fraudulent accounts that are linked to my credit profile. 
XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$3000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$2500.00} XXXX XXXX  opened XX/XX/XXXX in the amount of {$2000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$3900.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$29000.00} XXXX different XXXX accounts the dates and amounts are XX/XX/XXXX in the amount of {$2700.00} XX/XX/XXXX in the amount of {$1700.00} XX/XX/XXXX in the amount of XXXX XX/XX/XXXX in the amount of XXXX Below are the fraudulent inquiries that are listed on my credit profile that I did not attempt nor did I apply for any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 There is also a list of false names and addresses listed on my credit profile the correct name and address that should be on my credit profile is listed below ( Correct name for credit profile ) XXXX XXXX XXXX XXXX XXXX and olny address listed on my credit report ) XXXX XXXX XXXX XXXX XXXX MI 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 2025-04-22 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:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-04-22 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:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX 2023XXXX 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I applied for a XXXXXXXX XXXXXXXX credit card on XX/XX/2024, but the first time i filled in the wrong address, and my application was rejected. Five days later, on XX/XX/XXXX, I reapplied for a credit card with the correct address, and my application was approved. Due to a data problem with XXXX XXXXXXXX bank, the address on my credit report still remained at the first wrong address, and the second correct address was not uploaded, resulting in me having no credit record or credit score to this day.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I applied for a XXXX XXXXXXXX credit card on XX/XX/year>, but the first time i filled in the wrong address, and my application was rejected. Five days later, on XX/XX/XXXX, I reapplied for a credit card with the correct address, and my application was approved. Due to a data problem with XXXX XXXXXXXX bank, the address on my credit report still remained at the first wrong address, and the second correct address was not uploaded, resulting in me having no credit record or credit score to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I

am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX. XXXX XXXX XXXX I Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : {$540.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : {$800.00} past due as of XXXX XXXX Status Updated : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : {$890.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$46000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Lease Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Balance : {$27000.00} These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my credit report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I also request that these accounts be verified with valid documentation. If the furnishers and bureaus can not provide signed applications or evidence proving I authorized these accounts, they must be removed from my file permanently.

Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft police report A copy of my government-issued photo ID My Social Security number for verification Requested Actions : 1. Immediate blocking and deletion of all fraudulent accounts and inquiries 2. Debt verification for all disputed accounts 3. Written confirmation that these items have been deleted 4. Confirmation that furnishers have been notified to stop reporting unverifiable information 5. An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MD

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

Company 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 2025-04-22 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: MD

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

Company response to consumer: Closed with non-monetary relief