vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Finance/Personal XXXX {$510.00} Reported : XXXX XXXX, XXXX XXXX XXXX XXXX {$1400.00} Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX  {$590.00} XXXX Reported : XXXX. XXXX, XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Summary of Issue : On XX/XX/year>, at approximately XXXX XXXX  PST, I attempted to make a targeted  payment on my Home Depot Credit Card ( issued by CitiBank ) to pay off a specific promotional deferred-interest balance that is due XX/XX/year>. 

The CitiBank website does not allow cardholders to allocate payments toward specific promotional balances, so I first sent a secure message through the online portal, then called CitiBanks customer service line at XXXX XXXX. I spoke with a representative named XXXX, who explicitly confirmed that the payment would be applied to the specific promotional balance I identified. 

However, upon reviewing my account on XX/XX/year>, at XXXX PM, I discovered that the payment was not applied as promised. Instead, it was dispersed across multiple promotional balances, leaving the balance due on XX/XX/year> only partially paid. 

If I had not checked manually, I would have been charged full interest on the promotional loandespite having been told otherwise by the representative. This constitutes a misrepresentation and deceptive payment-allocation practice, violating Truth in Lending Act ( Reg Z 1026.53 ), which requires transparent and fair application of payments when promotional balances are involved.

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 2025-10-29 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: AR

Complaint narrative:
I am disputing inaccurate accounts information and an inquiry appearing in my credit report. The Fair Credit Reporting Act protects my right to accurate reporting. Section 609 ( a ) ( 1 ) ensures I can review my file and dispute incorrect information, and Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within 30 days. Section 607 ( b ) requires maximum possible accuracy when reporting consumer data. 
XXXX XXXX XXXX XXXX XXXX XXXX balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$6100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am also disputing these accounts and the inquiry under FDCPA 807 and 808, which prohibit the reporting of false, misleading, or unfair information. Section 605 ( a ) requires deletion of obsolete or inaccurate debts, and Section 605B requires deleting unverifiable or disputed information, including inquiries. I hereby request that conduct a full reinvestigation of these accounts and the inquiry, obtain proper validation from the data furnishers, and remove any information that can not be fully verified.

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 2025-10-29 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: AR

Complaint narrative:
I am disputing inaccurate accounts information and an inquiry appearing in my credit report. The Fair Credit Reporting Act protects my right to accurate reporting. Section 609 ( a ) ( 1 ) ensures I can review my file and dispute incorrect information, and Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within 30 days. Section 607 ( b ) requires maximum possible accuracy when reporting consumer data. 
XXXX XXXX XXXX XXXX XXXX XXXX balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$6100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am also disputing these accounts and the inquiry under FDCPA 807 and 808, which prohibit the reporting of false, misleading, or unfair information. Section 605 ( a ) requires deletion of obsolete or inaccurate debts, and Section 605B requires deleting unverifiable or disputed information, including inquiries. I hereby request that conduct a full reinvestigation of these accounts and the inquiry, obtain proper validation from the data furnishers, and remove any information that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
I am submitting to formally dispute inaccurate personal information appearing on my consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inaccurate address to be removed : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Correct name to be added/ updated : XXXX XXXX XXXX XXXX name : XXXX XXXX  This inaccurate personal information is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address and name listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address and name shown above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting to formally dispute inaccurate personal information appearing on my consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inaccurate address to be removed : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Correct name to be added/ updated : XXXX XXXX XXXX XXXX name : XXXX XXXX  This inaccurate personal information is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address and name listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address and name shown above.

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 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : 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 2025-10-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I tried to dispute with relay bank themselves. They had me call visa directly twice. XXXX both times denied my dispute. Come to find out visa does not even handle this kind of dispute. XXXX. I brought this up and have been stonewalled ever since. Because I kept getting transferred/told to call visa XXXX XXXX me out of the XXXX hour timeframe I had to file a dispute for a business account transaction. XXXX disputing this charge because I did not make it. Ive cancelled my card and still havent even received a new one yet. Its been about XXXX weeks. XXXX attaching XXXX documents Ive sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CFPB Complaint Statement Complainant : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : Fraudulent Account Reporting Violation of the Fair Credit Reporting Act I am filing this complaint regarding a fraudulent collection account appearing on my credit report. The account is listed as follows : Collection Agency : Credence Resource Management Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account, {$110.00} past due as of XX/XX/year> Balance Updated : XX/XX/year> Balance Owed : {$110.00} I never opened or authorized this account. I have no signed agreement, payment record, or any relationship with Credence Resource Management or the original creditor. The presence of this account on my credit report is false and damaging. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting unverified or fraudulent data violates this section.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation and remove unverifiable or inaccurate information within XXXX  days.

It also violates the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Requires collectors to cease collection activity until they validate the debt. 

I request the CFPB ensure this account is fully investigated and removed from all credit reports. Credence Resource Management must produce the original signed contract, proof of assignment, and complete validation. If such proof does not exist, the account should be deleted immediately. 

This account has harmed my credit reputation and financial standing. I request written confirmation of its permanent removal and correction of any credit score impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am submitting this formal and expedited follow-up to my previous complaint regarding multiple inaccuracies and unverifiable information appearing on my consumer credit report. Despite my initial dispute, these errors have not been fully corrected or adequately investigated as required under the Fair Credit Reporting Act ( FCRA ). I am exercising my right to request an immediate reinvestigation and removal of these inaccurate items under 15 U.S.C. 1681i ( FCRA Section 611 ), which mandates that all consumer reporting agencies must conduct a reasonable and timely reinvestigation of disputed information. 
Upon review of my updated credit file, I have identified multiple inaccuracies that continue to cause significant harm to my creditworthiness and financial stability. The following entries remain incorrectly reported or unverified : INACCURATE ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These addresses are not associated with my verified residence history and should be permanently deleted under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. 
Additionally, several accounts continue to be reported as late, charged-off, or repossessed, despite being closed with a {$0.00} balance or previously resolved : Late/Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRepossession XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$10000.00} ( unverified ) Collections : XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many of these entries contain conflicting balances, duplicated listings, or unverifiable information. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be unverifiable must be promptly deleted from my credit file. 
In addition, I am disputing the following unauthorized or unverified hard inquiries that appear without my consent or legitimate business purpose : XXXX ( XX/XX/2025 ) XXXX CARD ( XX/XX/2025 ) XXXX ( XX/XX/2025 ) XXXX XXXX XXXXXX/XX/2025 ) These inquiries were not authorized by me and should be immediately removed pursuant to 15 U.S.C. 1681b ( f ), which prohibits obtaining a consumer report without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I am submitting this formal and expedited follow-up to my previous complaint regarding multiple inaccuracies and unverifiable information appearing on my consumer credit report. Despite my initial dispute, these errors have not been fully corrected or adequately investigated as required under the Fair Credit Reporting Act ( FCRA ). I am exercising my right to request an immediate reinvestigation and removal of these inaccurate items under 15 U.S.C. 1681i ( FCRA Section 611 ), which mandates that all consumer reporting agencies must conduct a reasonable and timely reinvestigation of disputed information. 
Upon review of my updated credit file, I have identified multiple inaccuracies that continue to cause significant harm to my creditworthiness and financial stability. The following entries remain incorrectly reported or unverified : INACCURATE ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These addresses are not associated with my verified residence history and should be permanently deleted under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. 
Additionally, several accounts continue to be reported as late, charged-off, or repossessed, despite being closed with a {$0.00} balance or previously resolved : Late/Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRepossession XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$10000.00} ( unverified ) Collections : XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many of these entries contain conflicting balances, duplicated listings, or unverifiable information. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be unverifiable must be promptly deleted from my credit file. 
In addition, I am disputing the following unauthorized or unverified hard inquiries that appear without my consent or legitimate business purpose : XXXX ( XX/XX/2025 ) XXXX CARD ( XX/XX/2025 ) XXXX ( XX/XX/2025 ) XXXX XXXX XXXXXX/XX/2025 ) These inquiries were not authorized by me and should be immediately removed pursuant to 15 U.S.C. 1681b ( f ), which prohibits obtaining a consumer report without permissible purpose.

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