vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I have sent multiple disputes over period of time to Equifax including the below accounts as these account are reported incorrectly and are reported differently across all three credit reporting agencies however without providing me any proof or exact procedure of verification, this bureau continues to claim the accounts have been verified by furnishers or collection agencies. These is what I have Requested from them ; FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Your obligation to provide a description of the procedure used to determine the accuracy and completeness of the disputed information.

2. FCRA 609 / 15 U.S.C. 1681g My right to receive all information in my file, including the sources of that information and the identification of each person that procured a consumer report within the last 2 years for employment purposes and within the last 1 year for other purposes.

3. 15 U.S.C. 1681b Restricting the permissible purposes under which any person may access my credit report. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$440.00}

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 2025-08-12 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: MI

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I recieved a notice about my Goodyear credit card managed by Citibank about a rate increase. When i called to close the account since it was XXXX balance they advised i did not have an account with them when searching my social security number. I asked to search by address and they refused. I checked my credit report and sure enough there was a tradelune for XXXX. I called the general Citibank customer sevice ( talked to an agent named XXXX who refused any unique identifier for me to reference ) and they refused to transfer me to a XXXX for assistance and had the same response in that i did not appear to be a customer. The part that is most disturbing is that i have XXXX accounts with Citibank with the other being a XXXX card that i currently am paying that also has a tradeline on my credit report. All things considered i can not get any assistance from Citibank to resolve this matter and do not where to go from here.

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 2025-08-12 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: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( XXXX  ), the Gramm-Leach-Bliley Act ( XXXX  ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( XXXX U.S.C. XXXX ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( XXXX  ), the Consumer Financial Protection Bureau ( XXXX  ), and/or my states Attorney General. Please respond to this dispute in writing within XXXX  days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
Account : XXXXXXXX XXXX Account # : XXXX Date Opened : XXXX Balance Owed : {$160.00} Collection * * Law : FCRA Section 611 - obligation to verify accuracy of collections and report only verifiable information. 
Issue : The collection account reported by XXXX is inaccurate or has incorrect balance information. 
Story : I dispute the collection account reported by XXXX with a balance of {$160.00}. I have not been provided with sufficient proof or validation of this debt and request immediate reinvestigation and deletion if unverifiable. 

Inquiry : XXXXXXXX XXXX Date : XXXX Law : FCRA Section 604 - inquiries must be authorized and permissible under law. 
Issue : This hard inquiry appears on my credit report without my authorization. 
Story : I did not authorize or initiate any credit inquiry by XXXXXXXX XXXX on XXXX Please verify and remove this unauthorized inquiry promptly. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A hard inquiry appeared on my credit report today. Inquiry was done XX/XX/25 for a SYNCB/Lowes credit card that I did not apply for. My husband made a purchase through Lowe 's yesterday but used a Citicard and did not apply for a store credit card. My hard inquiry factor has gone from good to fair as a result.

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 2025-08-12 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: CA

Complaint narrative:
On or around XX/XX/XXXX, a collection account for {$510.00} appeared on my Experian credit report, reported by XXXX XXXX XXXX with XXXX listed as the original creditor. The account is showing : Date Opened : XX/XX/XXXX Status : Collection account, {$510.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Payment History : XXXX XXXX marked as C for collection I have never opened any account in XXXX. When I contacted XXXX XXXX XXXX directly, they stated the account originated in XX/XX/XXXX, not XX/XX/XXXX. 
I have disputed this with Experian three separate times, explaining that the Date Opened is inaccurate and that the original date of delinquency ( XX/XX/XXXX ) is not being reported. Each time, Experians investigation came back with no change, despite the date discrepancy. 

During the XXXX pandemic, I, like many others, experienced financial hardship and worked hard to recover afterward. I paid off several debts during that period but did not keep detailed records, so I can not confirm if this XXXX account is mine. However, regardless of ownership, the reporting date is factually incorrect and makes it appear as if this is a new collection in XXXX, which is misleading and damaging. 

On XX/XX/XXXX, I called Experian and spoke to three different representatives : The first representative did not understand my concern, and when I asked for a supervisor, he refused, stating no one is available and that I would be contacted later. 
The second representative told me Experian does not investigate disputes themselves, and that the furnisher ( XXXX XXXX XXXX ) is responsible for the investigation. 
Because the date is being misreported, it appears as if this is a recent delinquency rather than an older account from XXXX, which has a serious negative impact on my credit score. This misreporting may violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of account dates.

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La XXXX XXXXrequest for account blocking and deletion due to data breach, Dear XXXX, XXXX  and Transuion team, i am writing you formally requesting blockage and deletions of all acounts associated with my personal information due to recent data breach. credit card ( XXXX ) balance of {$420.00}, ( XXXX ) balance of $ XXXX, ( XXXX  ) balance of {$3500.00}, ( XXXX ) balance of {$6000.00} inquiry XXXX  XXXX XXXX 2024. This request is made in accordance with serval provisions of the fair credit reporting act 15 USC 1681c-2 ( a ) ,15USC1681i,15USC 1681e ( b ) ,15USC1681g ( a ) ,15USC1681m, 15USC1681n.

Please confirm these receipts of this letter and provide and provide written confirmation of the actions taken regarding my accounts. i would appreciate a update on any measure you are implementing to protect my personal information. Thank you i look forward to your response in 4 days. 
Accounts Affected by the 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 2025-08-12 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: IN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-12 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am disputing {$2500.00} in deferred interest charges on my XXXX XXXX  XXXX  ( account ending in XXXX ) due to inadequate disclosure and notification violations. 
Primary Issues : 1. Lack of Proper Notice About Promotional Plan Expiration : My promotional plan expired on XX/XX/scrub>/2025, but I was never adequately notified about this critical deadline. The company failed to provide clear, timely notice that my entire promotional balance of {$4300.00} needed to be paid by this date to avoid deferred interest charges.

2. Inadequate Disclosure of Deferred Interest Terms : When I enrolled in the promotional plan, the company did not clearly explain that ALL interest from the promotional period ( {$2500.00} ) would be charged retroactively if I failed to pay the balance in full by the expiration date.

3. Failure to Provide Required Notices : I have no record of receiving adequate written notice about the promotional plan expiration. The company is required to provide clear, advance notice of such critical deadlines that result in substantial financial consequences.

Financial Impact : This unexpected {$2500.00} charge has caused me significant financial hardship and XXXX. The amount represents deferred interest that accumulated over the entire promotional period, which I was not adequately warned about. I relied on the promotional terms and expected clear notice before such a substantial charge would be applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I sent a wire transfer XXXX  through Bank of America to a bank in XXXX for family support on XXXX2025. Received confirmation by Bank of America of complete transaction on XXXX2025. The beneficiary bank in XXXX never received the money. I called Bank of America wire transfer services on XX/XX/XXXX2025 to inquire about the money. They informed me that money is on hold as they needed few more information regarding the recipient. I provided detailed information including the recipient full name, date of birth, place of birth and citizenship. I also let them know the wired money of XXXX $ is for a college tuition and the recipient needs the money to sign up for next semester or she will lose her spot in college. They promised they will release the money in 24-48 hours. The money never got released. I called the bank again on XXXX, XXXX, XXXX and again on XX/XX/XXXX but they never released the money and they are not being helpful. The money still on hold for no reason. I also emailed a local bank manager the issue but they never got back to me

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 2025-08-12 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentationincluding proof of ownership and a full payment historyI respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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