vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Experian in your response to the CFPB you state you can not respond to this account that is a violation of15 USC1692g if debt can not be proven it must be deleted at once. under USC91-508 it needs removed.15USC1681e compliance procedure, I under stand that the CFPB as sued you and I want to settle this now and not have to sue you to respond through the CFPB

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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! 


INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unfair reporting of a late payment by XXXX XXXX  ( XXXX ) on my credit file. The account in question is being reported with a delinquency that I dispute as inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
I have previously attempted to resolve this matter directly with the furnisher and the credit reporting agencies ; however, the issue remains unresolved. I am requesting the Consumer Financial Protection Bureau to initiate an investigation into the accuracy and verification process used by the furnisher to report this late payment. 
Under the FCRA, information furnished to the credit bureaus must be complete, accurate, and verifiable. If the furnisher can not provide proper documentation verifying the accuracy of this reported late payment, it must be corrected or deleted from my credit reports with all three major credit bureaus ( Experian, XXXX, and XXXX  ) within the required timeframe. 
This inaccurate reporting has caused a significant negative impact on my credit profile and overall financial standing. I respectfully request that this matter be investigated promptly and that the late payment entry be deleted if it can not be fully substantiated through verifiable records. 
Please provide written confirmation of your receipt of this complaint and details regarding the investigation outcome. 
Thank you for your time and assistance in ensuring compliance with federal consumer protection laws. 
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 2025-11-13 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:
I am writing to formally dispute and request an immediate investigation into the accounts and inquiry listed below, which may have been compromised or reported inaccurately due to the recent data breaches that affected consumers nationwide. As a result of these breaches, my personal information may have been exposed and used without authorization. 
Accounts in Question : Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Inquiry : XXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 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: IL

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 explanation
Consumer complaint received 2025-11-13 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: IL

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 2025-11-13 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am reporting Citibank for failing to process XXXX refunds from a gas station on XX/XX/XXXX and failing to properly investigate missing funds. The merchant states that both refunds were issued on their side. Citibank claims that no refund ever reached the account. Citibank has not taken any corrective action or traced the transactions. 

There were XXXX prepaid fuel transactions at the same gas station on XX/XX/XXXX. 

Invoice number XXXX Prepay XXXX Actual posted charge XXXX Refund amount that never arrived XXXX Invoice number XXXX Prepay XXXX Actual posted charge about XXXX Refund amount that never arrived XXXX The gas station confirmed to me that both refunds were processed. They stated the credits were released on their end. Citibank continues to insist that no refund was ever received. I am stuck between the merchant and Citibank with no results and no effort from Citibank to locate the missing amounts. 

Citibank did not trace the refund numbers. They did not request the acquirer reference numbers. They did not review settlement activity. They simply repeated that no refund was visible without investigating the missing funds or contacting the merchant processor. 

These amounts should have been returned to my account or the holds should have been released. Instead the money has disappeared and I am being told to deal with the merchant even though Citibank is the financial institution responsible for posting refunds and handling disputes. 

I am requesting a full investigation. I need Citibank to locate the missing funds, verify settlement activity for both refunds, and credit the amounts that never returned to my account. I want a written explanation from Citibank regarding their handling of fuel preauthorization reversals and why no investigation was done.

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 2025-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-13 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: TX

Complaint narrative:
I am filing this complaint because several accounts and addresses are being inaccurately reported on my credit file by the credit reporting agencies and data furnishers. These errors are seriously affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). 
Despite my attempts to resolve these issues directly with the credit bureaus, these inaccurate items remain uncorrected. 
Accounts with Errors : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : This account is marked as a charge-off which is inaccurate. I have no knowledge of this account and request deletion from my report. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$29000.00} Issue : Reported as a charge-off, which is incorrect. I do not recognize this account and request immediate removal. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$63000.00} Issue : This account is reported as a charge-off. I have no knowledge of this account and request deletion for accuracy. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$39000.00} Issue : Marked with late payments. I have never been late on this account. Please correct payment history to show all payments made on time. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Listed as a collection account. I have no knowledge of this debt and request deletion. 
XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3700.00} Issue : Reported as a collection. I have no knowledge of this account. Please remove immediately. 
XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Issue : Duplicate collection entry. I have no knowledge of this debt. Please remove immediately. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$620.00} Issue : Reported as a charge-off. I have no knowledge of this account and request deletion for accuracy. 
Requested Action : I am requesting the CFPB to investigate these issues and require the credit bureaus and data furnishers to : 1. Delete all inaccurate, unverifiable, and unauthorized accounts and addresses.

2. Correct any late payment information that is reported inaccurately.

3. Remove the unauthorized inquiry from my file.

4. Provide written confirmation of actions taken.

These errors violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and I respectfully request that corrective measures be taken promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as XXXXXXXX XXXX XXXXXXXX XX/XX/year> TransUnion XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXXXX/XX/year> Experian XXXX XX/XX/year> Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-13 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: FL

Complaint narrative:
I am filing this complaint because there are items on my Equifax credit report that appear inaccurate or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account in Dispute : XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$16000.00} I believe this account may be reported inaccurately or without full verification. Please investigate and provide documentation from the furnisher proving ownership, payment history, and accuracy of the charge-off. If the account can not be verified, I request that it be removed or corrected. 

Inquiry Dispute : XXXX, Dated XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm whether it was made with a permissible purpose under FCRA 604. If it can not be verified, I request that it be deleted from my file. 

There are no late-payment disputes with Equifax at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-13 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: CO

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged me multiple overdraft fees even though I transferred the required funds on time. The bank has provided XXXX different and conflicting posting timestamps, which makes it impossible for me to verify the accuracy of the fees or the banks justification for them. 

Here are the conflicting timestamps Wells Fargo gave me : First timestamp given : XXXXXXXX XXXX XXXXT Email from Wells Fargo : XXXX XXXX XXXX Call from XXXX  : XXXXXXXX XXXX XXXX Despite transferring the money before the deadline, Wells Fargo assessed overdraft fees based on inconsistent internal records. After I raised the issue, Wells Fargo refunded XXXX overdraft fee, which acknowledges the banks error. However, they refused to refund the remaining XXXX fees even though they were all tied to the same transfer and the same contradictory timestamps. 

This is unfair and inconsistent with accurate recordkeeping. I am requesting that Wells Fargo refund the remaining XXXX overdraft fees and correct their posting-time records.

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