vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-10-08 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: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my lawful request for a full reinvestigation of every item in my report, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and calls into question the integrity, accuracy, and reliability of my consumer 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 explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$910.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

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 2025-10-08 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
delete inaccurate items immediately or update late payments as paid as agreed never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
delete inaccurate items immediately or update late payments as paid as agreed never late

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There have been multiple unauthorized inquiries on my credit report, which have directly harmed both my credit and XXXX XXXX. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That promise has not been fulfilled, and these entries still remain. 

This continued inaction is unacceptable. The presence of these unauthorized and potentially fraudulent inquiries raises serious concerns about possible identity theft and reflects a failure to protect my personal information. This matter is causing ongoing emotional and financial distress.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hereby challenge the inclusion of unauthorized accounts in my credit history. Please conduct an in-depth review and expunge them. Documentation is attached.

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 2025-10-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX Date : XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX XXXX, Suite XXXX, Mail Stop XXXX, XXXX GA, XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Charge-Off with Continued Late Payments Dear Equifax, XXXX am writing to formally dispute inaccurate information being reported on my credit report under the Fair Credit Reporting Act ( FCRA ). The item in question is a charge-off account reported by XXXX XXXX account number [ XXXX ] .According to my credit report, this account has a status of " charged off '' but is still reporting monthly late payments after the charge-off date, which is both inaccurate and misleading. A charge-off indicates the creditor has written off the debt as a loss and closed the account. Therefore, no further late payments should be reported after the charge-off date. Continuing to report delinquencies after the charge-off date XXXX be considered inaccurate or duplicative reporting, and I am requesting that this information be corrected or removed in compliance with the FCRA. Please investigate this matter and remove any late payment notations that occurred after the charge-off date. Attached are copies of my credit report showing the disputed information, along with identification and any relevant documentation. I request that you complete this investigation within the XXXX period allotted by law and provide me with the updated results in writing. If the creditor can not verify the accuracy of the post-charge-off late payments, I request that this portion of the account history be deleted or corrected. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is regarding the application of payments to my credit card with Citibank. 
XX/XX/XXXX logged into my account with Citibank and submitted a {$20000.00} payment to the balance on my account by having Citibank request the funds from my checking account at XXXX XXXX via an ACH transfer XX/XX/XXXX Citibank reflected receipt of the payment of {$20000.00} in their transactions log XX/XX/XXXX XXXX XXXX acknowledged that the funds were sent and the transaction was fully complete with Citibank and that Citibank had the funds in their account XX/XX/XXXX Citibank has not reflected the payment to the credit limit on the card. They state it will take XXXX more hours to confirm the funds have been received. 

XXXX. The account has a credit limit of {$37000.00} XXXX. Payment of {$20000.00} made on XX/XX/XXXX, acknowledged by XXXX XXXX that they sent the payment on XX/XX/XXXX and the funds reside with Citibank XXXX. As of XX/XX/XXXX Citibank states they are waiting on confirmation of receipt of funds however, the online Citibank portal shows a received payment transaction of {$20000.00} on XX/XX/XXXX and XXXX XXXX shows a withdrawal on XX/XX/XXXX sent to Citibank XXXX. As of XX/XX/XXXX the remaining balance on the account is {$14000.00} with an available credit limit of {$51.00}. XXXX XXXX confirms the funds are with Citibank as of XX/XX/XXXX why has the credit limit not been increased by the {$20000.00} payment since the account has an overall credit limit of {$37000.00}? 

I am concerned that I am not the only individual with this experience which is a recent experience and that Citibank is hold these funds for their financial benefit.

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 2025-10-08 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: AZ

Complaint narrative:
My original complaints were submitted according to guidelines. The CFPBs guidance ( such as in its Circular XXXX on reasonable investigation of consumer reporting disputes ) emphasizes that furnishers and consumer reporting agencies must not erect improper barriers to dispute investigations. 
Consumer Financial Protection Bureau, If no adequate verification is produced, failure to delete or correct the entry will constitute a violation of my rights under FCRA. I expect this complaint to be acknowledged, assigned a tracking number, and handled per CFPB rules and timelines.

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 2025-10-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you XXXX XXXX XXXX XXXX  for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I get several calls a day from them. They are aggressive and demand payment or else theyll mess with my credit or sue me for not paying at all. This has been going on for XXXX XXXX XXXX XXXX years. Now i just get phone calls where they hang up on me and dont answer anything i have to say when i say who is this?. Case and point was today ( XX/XX/year> ) at XXXX they interrupted a very important call. I answered and when i said who is this they just hung up the phone. Im tired of these harassment calls so i called them back all let them know theyre XXXX XXXX, they instantly hung up on me when i requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am the owner and guarantor of XXXX XXXX XXXX XXXX XXXX, a nonprofit educational institution that obtained a commercial Merchant Cash Advance ( XXXX ) from XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> ( Deal Ref. XXXX ). This is a business-to-business commercial debt, not a consumer debt. 

Despite being a commercial obligation, XXXX XXXX XXXX XXXX XXXX and/or a collection agency acting on their behalf has improperly or incorrectly reported this debt on my personal consumer credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing severe damage to my personal credit score.

This commercial loan is structured for failure, with crippling repayment terms and a factor cost of {$9600.00} on a {$23000.00} advance, forcing us into disputes regarding the predatory nature of the terms. The resulting negative marks on my personal credit file are a result of this predatory and disputed business debt. 

The information being reported on my personal credit report is inaccurate because : The account is a commercial liability, not a consumer liability. 

The company has no legal basis to furnish information about a commercial XXXX on a consumer credit report. 

Resolution I am Looking For I require XXXX specific actions to resolve this credit reporting error : IMMEDIATE DELETION : XXXX XXXX XXXX XXXX XXXX must immediately and permanently delete all references to this specific commercial debt ( Deal Ref. XXXX ) from all of my personal consumer credit reports ( Equifax, Experian, and TransUnion ). 

STOP FURNISHING : The company must certify they will cease and desist from furnishing any information related to this commercial debt to my personal consumer credit file in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am the owner and guarantor of XXXX XXXX XXXX XXXX XXXX, a nonprofit educational institution that obtained a commercial Merchant Cash Advance ( XXXX ) from XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> ( Deal Ref. XXXX ). This is a business-to-business commercial debt, not a consumer debt. 

Despite being a commercial obligation, XXXX XXXX XXXX XXXX XXXX and/or a collection agency acting on their behalf has improperly or incorrectly reported this debt on my personal consumer credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing severe damage to my personal credit score.

This commercial loan is structured for failure, with crippling repayment terms and a factor cost of {$9600.00} on a {$23000.00} advance, forcing us into disputes regarding the predatory nature of the terms. The resulting negative marks on my personal credit file are a result of this predatory and disputed business debt. 

The information being reported on my personal credit report is inaccurate because : The account is a commercial liability, not a consumer liability. 

The company has no legal basis to furnish information about a commercial XXXX on a consumer credit report. 

Resolution I am Looking For I require XXXX specific actions to resolve this credit reporting error : IMMEDIATE DELETION : XXXX XXXX XXXX XXXX XXXX must immediately and permanently delete all references to this specific commercial debt ( Deal Ref. XXXX ) from all of my personal consumer credit reports ( Equifax, Experian, and TransUnion ). 

STOP FURNISHING : The company must certify they will cease and desist from furnishing any information related to this commercial debt to my personal consumer credit file in the future.

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 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is [ Full Name ], and Im calling regarding my consumer file.

I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data.

Pursuant to my rights under FCRA 602, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level.

Please be advised that failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my 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 2025-10-08 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: PA

Complaint narrative:
This complaint is against Equifax credit reporting agency, i ask them 4 times through certified mail to validate these accounts below. 
XXXX XXXX is XXXX c\o. 
XXXX XXXX XXXX c\o XXXX XXXX is XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. all Above And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief