vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Duplicate accounts from XXXX XXXX XXXX being inaccurately reported to my credit profile. I have not been notified of method of verification to update and continue to report this inaccurate information. 

Inaccurate updates every month being reported as CO on dormant account to my credit profile. Dates and balances are different from other bureau which is indication it is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
Duplicate accounts from XXXX XXXX XXXX being inaccurately reported to my credit profile. I have not been notified of method of verification to update and continue to report this inaccurate information. 

Inaccurate updates every month being reported as CO on dormant account to my credit profile. Dates and balances are different from other bureau which is indication it is inaccurate.

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

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-12-08 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: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to the company multiple times to update the balance for the account to the credit bureaus and all I received was a letter with the outstanding balance but the balance being report on my credit is NOT the same and remains incorrect. Under the Fair Credit Reporting Act, I request you investigate this matter and correct the inaccurate balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
I worked the XXXX XXXX XXXX as aXX/XX/XXXXI was paid with a Branch Card and told I had to use the APP. I signed up at the XXXX event as I was demanded to. Then after the XXXX I got paid on the Branch Card. To transfer over to my Bank was a fee. So I used it to pay a bill. I paid {$4700.00} to a XXXX XXXX and had arranged to do XXXX. I had a contract. The contract was not followed. What I requested was not performed. I requested my money back. I then requested my money back from the Branch card immediately. I got a denial. I responded. I finally got an appeal. Today I was emailed again with a denial saying something other than what was the facts of the situation. I sent them the contract. I told them in the email that I was filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that someone had hacked into both my checking and savings accounts. They incrementally withdrew and depleted funds from both accounts. I called and notified Golden1 Credit Union on the same day. They informed me that due to the fraudulent activity they would have to place a hold on my account and that I would have to open up a new account. They replaced back all but {$640.00} into my savings account. 

Golden1 informed me that another Golden1 member was able to connect their account to mine and incrementally transfer funds from my savings account to my checking account to their account. I did not receive a phone call, text, or email informing me that another account account was added to mine.

My understanding is that the credit union is required to provisionally replace the funds within 10 days of the fraud if an investigation has not been completed. I've called Golden1 a couple of times after the 10-day mark to ask for a status and see when the funds can be replaced. Both times they said that the investigation is still pending and that there's no such thing as provisional funds - I would have to wait til their investigation is complete. However, they can't tell me how long it would take to complete the investigation. Their advice is to keep calling back every 1-2 weeks for an update.

It doesn't feel that anyone is working on my investigation since I haven't received any communication from the Golden1 since this incident occurred and they've been anything but helpful. Additionally, I don't think that Golden1 is providing truthful information about provisional funds and are not complying with timelines to complete an investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I disclaim any ties to these accounts ; they need to be taken down within 15 days per USC 1681g.

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 2025-12-08 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: MN

Complaint narrative:
My credit report is consistently showing late payments for student loans, XXXX XXXX XXXX for the month of XXXX. These were reported to the credit bureaus as on time and yet they have refused to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MN

Complaint narrative:
My credit report is consistently showing late payments for student loans, XXXX XXXX XXXX for the month of XXXX. These were reported to the credit bureaus as on time and yet they have refused to update it.

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 2025-12-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 2025-12-08 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year> I was booking a flight for my wife on the XXXX XXXX website. During checkout, a Citi credit card offer was displayed. The ad showed the fare amount ( {$320.00} ) minus a promised {$250.00} statement credit, with a XXXX after statement credit of {$71.00}. We chose to apply because the offer clearly implied we could use the statement credit toward the current booking. 

We clicked the Learn More link and completed the application with my wife as primary and me as secondary. After approval, there was no option to use the card on the booking we were already in. 

I called XXXX XXXX, and their agent said we should have been given a temporary credit card number for immediate use. We were not. She transferred me to Citi. 

The Citi representative confirmed the account was approved but stated that not all applicants receive temporary numbers and my wife did not qualify, without giving any explanation. This was surprising since the confirmation email showed her credit score as XXXX. Citi told us we must wait up to 10 business days for the physical card before we can make a purchase. 

This makes the offer useless for the flight we were booking. At no point during the application process did Citi or XXXX XXXX disclose that we might not receive a temporary number or that we would be unable to use the card immediately. 

Why this is a problem : The advertising was misleading. We applied specifically because the ad represented the {$250.00} statement credit as reducing the cost of the current booking. As a result of this misleading representation, my wife incurred a hard credit inquiry and we received no ability to use the card as shown. 

Citi stated they logged a complaint and gave reference number XXXX, but I am skeptical anything was documented or will be resolved.

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 2025-12-08 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: OK

Complaint narrative:
I am not associated with these accounts ; they must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
XXXXXX/XX/19792911 GREENE PL BRONX NY 10465 Equifax Information Services, XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data. 

Disputed Account Details :XX/XX/5108XX/XX/0372XX/XX/XXXX This account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including : - Copy of ID - SSN - Proof of Address According to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.

Request for Action : 1. Remove or Correct the Inaccurate Account : Please delete or corre
ct this inaccurate information from my credit report across all relevant credit bureaus.

2. Provide a Written Response : I expect a written acknowledgment of your receipt of this dispute within five ( 5 ) business days, and a final resolution within the legally mandated timeframe.

3. Notify the Bureaus : If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.

Failure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

Legal Notice : Please be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions. 

Thank you for your prompt attention to this matter. Please send any responses or updates to XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I had a accident witch wasnt my fault insurance paid my car off now the debater wants more money {$7200.00} cavalry portfolio services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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