vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am disputing the following items reported by TransUnion. I believe these items are inaccurate, incomplete, and do not reflect my true credit history. Please investigate and correct these entries. 

CHARGED OFF Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Inquiries : XXXX XXXX  Date Inquired : XX/XX/XXXX XXXX XXXX  Date Inquired : XX/XX/XXXX XXXX XXXX  Date Inquired : XX/XX/XXXX XXXX XXXX  Date Inquired : XX/XX/XXXX XXXX XXXX Date Inquired : XX/XX/XXXX XXXX XXXX  Date Inquired : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Dear TransUnion, I am writing to dispute the following inquiries listed on my TransUnion credit report. I have not authorized these inquiries, and I believe they are inaccurate. I request that you investigate each inquiry and remove any that can not be verified. Below is the detailed list of disputed inquiries : 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 explanation
Consumer complaint received 2025-11-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I requested a payoff quote from CITI & paid the full amount due to settle the account. This amount was received & posted by CITI on XX/XX/year>. On XX/XX/year>, CITI posted {$58.00} in interest to my account. ANY interest due should have been included in the payoff quote. This is at best an unfair & deceptive business practice but feels more like fraud. I attempted to settle this with CITI and was disconnected from chat after asking them to close the account. The account has not been closed.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I contact a mortgage lender to refinance my home loan. The mortgage lender did a hard pull for my XXXX XXXX which showed the following scores : XXXX  score is XXXX, Transunion is XXXX and Equifax is XXXX That is XXXX points lower than what i saw in the free credit report ( XXXX ) with TransUnion and Equifax XXXX It turns out the lower score is because of a collections account that shows the account was paid in full, but was not deleted for more than a year after it was paid. The collections agency is XXXX XXXX XXXX. The collections agency failed to delete the account for more than a year after account was paid, that adversely impacted my score. 

When contacted, the credit bureau 's were not giving a satisfactory explanation as to why paid account is still impacting my hard pull score compared to free score report and why it was not deleted in time. They also did not give an estimate on when credit report will be updated after I called the collections company to delete the account. This was causing a lot of stress for me during the critical time of refinancing my mortgage with my lender and affected the prospect of getting a better interest rate for no fault of mine.

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 2025-11-07 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: MA

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 consumer 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX who is the branch manager of the XXXX XXXX, XXXX XXXX U.S. Bank promised to help me and then refused, and then because I was upset that she wouldn't release my funds. She laughed in my face and told me she was gon na cancel my account within 30 days I have to find a new bank after I begged completed with her to please take the hold off my money so I could feed my children she laughed right in my face on the phone.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Filing based on Documented Factual Error in Adverse Action Notice ( AAN ), Systemic Failure, and Refusal to Remediate.

1. Compliance Failure ( AAN/FCRA Violation ) : In XX/XX/year>, the consumer opened XXXX Citi XXXX  XXXX credit card accounts. Both were subsequently locked for income verification ( Form XXXX was complied with ). On XX/XX/year>, a written AAN was issued stating the accounts were closed due to " too many recent credit inquiries, '' citing XXXX  XXXX as the sole source. The consumer 's XXXX  report shows only XXXX hard inquiry in the past XXXX  months, directly contradicting the bank 's official reason. This constitutes a deficient AAN and a violation of the FCRA for failing to provide an accurate reason for adverse action.

2. Procedural & UDAAP Violation : The closure occurred despite the consumer following all verification instructions. This event aligns with the known, severe systemic failures of the XXXX XXXX rollout ( as documented in the XXXX and public petitions ), resulting in unequal treatment ( UDAAP ). While other compliant customers received full annual fee refund and the XXXX points bonus per account for the disruption, the consumer was denied all welcome bonus points and was forced to suffer permanent account closure. The consumer incurred unnecessary stress, time loss, and direct credit harm. 

3. Refusal to Remedy : The consumer submitted a formal complaint ( Ref : XXXX ) to the Citi Executive Response Unit ( ERU ). The ERU 's final letter ( XX/XX/year> ) refused to address the documented factual contradiction. The ERU claimed the account information was " reported correctly '' and declined the request for compensation and trade line deletion. The ERU instead offered only a minimal " disputed by the consumer '' notation, which fails to correct the fundamental FCRA non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: FL

Complaint narrative:
SEE ATTACHED LETTERS. 

SUBJECT : ACI, LLC Unverified XXXX XXXX XXXX  | Unauthorized SSN Use | Harassment I am filing a complaint against ACI, XXXX for attempting to collect an alleged XXXX XXXX debt without proper verification. 

They have NOT provided : A signed contract Chain of title Proof of ownership or transfer Ledger/accounting details Authority to use my legal trust name Authority to use my SSN commercially They contacted me by text message without consent, which constitutes harassment. 
Additionally, my SSN and legal trust name appear to have been used in a custodial or beneficiary capacity without authorization, which may indicate fraud, improper custodial control, and misuse of personal/private property.

I requested validation under FDCPA ( 15 USC 1692g ) and demanded documentation under UCC 3-501. They have not complied. 

Requested action : Stop all collection activity Require proof of lawful standing Prevent further unauthorized use of my private trust name + SSN Remove any negative reporting if unverifiable SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
DEAR CREDIT COLLECTIONS/ XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplianc
e under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I had an account with chime. They up and gave me a warning they was closing my account in 30 days due to not abiding by rules. I called numerous times and no one could tell me why. I tried to make a deposit to pay my loan and they would not let me deposit or have anyone send anything to my account so I could pay my loan. It was only XXXX I owed. I called ever since XXXX for months now because it has made my credit go down tremendously wnd tried to get information just to pay my loan and they wont allow payments unless it comes from the account and they wont open the account. I have no options to pay them and they keep reporting this and charging interest. I am so upset and I have no one to help me with this. I just want to pay what I owe and get this resolved. My credit is getting messed up and this is so unfair

Company response to consumer: Closed with non-monetary relief