vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and XXXX  credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX  XXXX Balance {$7100.00}

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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! 


XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Complaint Title : Repeated False Fraud Blocks by Citibank Severe Interference With Legitimate Activity FORMAL REQUEST FOR RISK PROFILE REVIEW XXXX THIS IS NOT " SECURITY '' ... IT IS SYSTEM FAILURE ON CITI 's SIDE : NON-COMPLIANCE Narrative : Citibank is blocking my credit card weekly, sometimes requiring 34 hours and more than 10 calls to clear legitimate transactions. I travel frequently between the U.S. and XXXX, and Citi refuses to properly update my travel profile or risk settings. As a result, Citis fraud system constantly blocks routine, predictable, legitimate transactions. 

Citi refuses to provide a functional escalation path. It is nearly impossible to reach their fraud department through any written channel, and all incoming emails to Citi are suppressed or ignored. The call center can not resolve my issue, and supervisors provide no written confirmation or lasting fix. 

This is severely damaging my business operations and disrupting personal and international travel. 

CITI PLATINUM SELECT AADVANTAGE WORLD MASTERCARD 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 2025-11-17 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was XXXX. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: NC

Complaint narrative:
I opened a loan with XXXX XXXX of XXXX XXXX NC on XX/XX/year> I was instructed my due date would be the first I requested it be the XXXX of every month because that's when I get paid. I was told I had till the XXXX thru the XXXX th of the month before i would be considered delinquent .. On the XXXX of every month i made a payment online or XXXX telephone to the branch i opened the loan at.. I was never considered delinquent according to local branch. I kept getting collection letters from XXXX XXXX  a few i discarded after contacting the local branch. They told me to disregard Next thing I know the monthly letters started piling up. I called the local branch I was given a number to call to a corporate office in Louisiana. I request to stop communication and they told me they would, they didn't they started sending harassing emails in replacement to the letters for a month or two and then started back sending delinquent notice letters again. This whole ordeal has been mentally taxing. They have been bull dogging me they whole time since XX/XX/year> and the I feel intimidated by their procedures I've never missed a month and I don't deserve this and I've saved all the correspondence and will also seek legal counsel for damages and relief XXXX XXXX is one of my worst experiences I've endured. The actions I feel are predatory and mentally taxing and harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL 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 2025-11-17 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 did not authorize this company to obtain, use, share, or furnish any information about me. 

I discovered multiple accounts, inquiries, and data points being furnished and accessed without my knowledge, consent, or written authorization in direct violation of : FCRA 603 ( c ), 604 ( a ) No permissible purpose FCRA 609 ( e ) Identity theft procedures not followed FCRA 611 Failure to ensure maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting information without reasonable proof FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft information I filed an FTC Identity Theft Report ( Report # : XXXX ) documenting that these accounts, inquiries, and data use were unauthorized. 

This company obtained/used my consumer report without my permission and furnished information without my consent. 

I am requesting full investigation and enforcement.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because my credit reports with Experian and TransUnion contain multiple inaccurate and unverifiable address listings that misrepresent my personal information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), and a variation of the California address reported by TransUnion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , none of which are associated with me, and these inaccuracies have persisted despite my attempts to dispute them directly with the bureaus. These errors demonstrate a failure by the furnishers to properly update information under FCRA 623 ( a ) ( 2 ), a lack of reasonable procedures to ensure maximum possible accuracy under FCRA 607 ( b ), and a violation of my right to proper identification information under FCRA 609 ( a ) ( 1 ). Additionally, the bureaus have failed to conduct a timely and thorough reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), leaving my credit file reflecting false and misleading information that could negatively impact my creditworthiness and financial reputation. These persistent inaccuracies represent a systemic failure to maintain an accurate consumer credit report, and I am seeking CFPB intervention to compel corrective action.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
FRAUDULENT DEBT / ILLEGAL COLLECTION XXXX XXXX XXXX XXXX  ( and/or XXXX XXXX , Attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Collection agency reporting the debt ( National Commercial XXXX acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Toll Free : ( XXXX ) XXXX What happened? 

In XX/XX/XXXX, I hired XXXX XXXX XXXX XXXX to represent me in a civil lawsuit. On XX/XX/XXXX, I signed a contract and paid the firm a {$15000.00} retainer. 

After my retainer was depleted, I chose to represent myself. On XX/XX/XXXX, my co-defendant, XXXX XXXX, went to XXXX XXXX XXXX XXXX to pick up my case file because her attorney needed copies of documents for her own separate case. 

Attorney XXXX XXXX of XXXX XXXX XXXX XXXX then billed me over $ XXXX for work that did not pertain to my case. This additional billing included charges for work he performed for my co-defendant even though she had her own attorney. These charges were never authorized, never requested, and do not appear anywhere in the scope of the original retainer agreement. 

Shortly after these questionable charges were added, attorney XXXX XXXX left the law firm. I believe I was fraudulently billed for services that were not mine and not connected to my representation. I have attached a copy of the bill for the XXXX that they sent to collections and it shows in THEIR notes that the charges werent event for work on my case.

I disputed the charges with the law firm, and instead of addressing the dispute, XXXX XXXX XXXX XXXX sold this fraudulent debt to a collection agency, which is now reporting it on my credit report. This collection is causing me financial harm and negatively affecting my credit standing.

This appears to be : Fraudulent billing for services never performed for me Illegal collection of a disputed debt A violation of 15 U.S. Code 1692c, 1692e, and 1692f ( FDCPA ) A violation of FCRA because the debt being reported is inaccurate and not owed I have documentation showing my retainer was exhausted, that I ended representation, and that the later charges were unrelated to my legal matter.

I am requesting the CFPB to investigate the law firm and the collection agency for attempting to collect and report a fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I discovered that XXXX created and maintained a consumer report about me and furnished it to third parties without my knowledge, consent, authorization, or permissible purpose as required under FCRA 604. I never applied for any credit products that would authorize XXXX to access, share, or distribute my personal data. 

This is a violation of the Fair Credit Reporting Act because : FCRA 604 ( a ) My consumer report was obtained or used without a permissible purpose.

FCRA 602 & 603 ( q ) My identity information was used without my consent, creating an identity theft situation.

FCRA 609 ( e ) I have filed a formal identity theft report ( FTC Report # XXXX ) and I am attaching it. 

FCRA 611 & 615 I was never provided disclosures or any notice that my data was being collected or shared.

FCRA 623 ( a ) ( 1 ) ( A ) XXXX furnished information about me that was inaccurate, incomplete, and unauthorized. 

I did not authorize XXXX to create, maintain, or sell any file on me. The presence of any account, inquiry, score, or profile generated by XXXX is unauthorized, fraudulent, and harmful. 

I am requesting immediate deletion, suppression, and blocking of ANY and ALL data SageStream is reporting about me, consistent with FCRA 605B and identity theft protections. 

WHAT TO REQUEST ( RESOLUTION ) Use this in the resolution box : I want SageStream/Ovation/LexisNexis to permanently delete XXXX suppress, and block ALL data they maintain or have distributed about me, as they do not have a permissible purpose to obtain, keep, or furnish my information. This includes all inquiries, XXXX data, scores, banking data, or any other stored information. 

They must also : Send written confirmation of deletion Notify all data furnishers and recipients Stop reporting about me in the future This action is required under FCRA 605B, 604 ( a ), 611, 623, and my FTC Identity Theft Report XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The company is showing I opened an account with them. However, I have spoken with the company and asked them to stop contacting me about an account that was never opened or authorized by me. They are still harassing and making negative reports about me to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because I have discovered multiple inaccurate, conflicting, and improperly reported accounts across Experian, Equifax, and TransUnion, and despite my attempts to have these errors corrected, they continue to harm my credit profile and violate the Fair Credit Reporting Act ( FCRA ). All three credit bureaus are reporting XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  with a balance of {$28000.00} * *, yet the information being furnished is inconsistent with my actual account history and appears unverifiable, leading me to believe that the data being provided has not been properly investigated or validated as required under FCRA 1681e ( b ) and 1681i. Additionally, Experian is reporting XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, yet that very same account is also being reported by Experian and TransUnion as tied up with a {$0.00} balance, creating a direct contradiction that can not logically or legally coexist. These inconsistencies between balances, statuses, and reporting patterns indicate that the furnishers and credit bureaus have failed in their obligation to maintain accuracy and ensure maximum possible precision before publishing information to my consumer file. This ongoing mishandling has left me confused, stressed, and unfairly penalized by information that is not reflective of my true financial position. I am requesting CFPB assistance because the reporting agencies and furnishers have not resolved these inaccuracies, and I feel that my rights under the FCRA are being ignored, leaving me unable to obtain the fair credit representation the law entitles me to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because I have discovered multiple inaccurate, conflicting, and improperly reported accounts across Experian, Equifax, and TransUnion, and despite my attempts to have these errors corrected, they continue to harm my credit profile and violate the Fair Credit Reporting Act ( FCRA ). All three credit bureaus are reporting XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  with a balance of {$28000.00} * *, yet the information being furnished is inconsistent with my actual account history and appears unverifiable, leading me to believe that the data being provided has not been properly investigated or validated as required under FCRA 1681e ( b ) and 1681i. Additionally, Experian is reporting XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, yet that very same account is also being reported by Experian and TransUnion as tied up with a {$0.00} balance, creating a direct contradiction that can not logically or legally coexist. These inconsistencies between balances, statuses, and reporting patterns indicate that the furnishers and credit bureaus have failed in their obligation to maintain accuracy and ensure maximum possible precision before publishing information to my consumer file. This ongoing mishandling has left me confused, stressed, and unfairly penalized by information that is not reflective of my true financial position. I am requesting CFPB assistance because the reporting agencies and furnishers have not resolved these inaccuracies, and I feel that my rights under the FCRA are being ignored, leaving me unable to obtain the fair credit representation the law entitles me to.

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 2025-11-17 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the con
sumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and found the following account : XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX, which is being reported without my express authorization, violating the FCRA ( 15 U.S.C. 1681b ). I am attaching my official FTC Report # XXXX and my dispute letter sent to the bureau demanding its removal. This situation is negatively affecting my financial opportunities. I request your intervention for the immediate block and deletion of this account pursuant to 15 U.S.C. 1681c-2

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