vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
This letter is a formal request for a re-investigation regarding the inaccurate account information on my credit report. I am writing to inform you that I have reason to believe that your investigation from a prior dispute did not follow the necessary standards of a " reasonable investigation '' as required by the Fair Credit Reporting Act ( FCRA ).

According to Section 611 of the FCRA, you are required to conduct a reasonable reinvestigation of disputed information. To ensure that this re-investigation is conducted properly, I am invoking my right to receive details on your verification process.

Please provide me with the following information : 1. The name, business address, and phone number of the person or entity who verified this item.

2. The method of verification used to confirm the accuracy of this data.

3. Signed agreement debtor has made with creditor, or other verifiable proof that constitutes my contractual obligation to this debt. This signature must be in wet ink.

4. Copy of the original promissory note/agreement redacting my social security number to prevent identity theft that states XXXX XXXX is the holder in due course of the note agreement and produced the original for my own and a judges inspection should there be a trial to contest these matters.

5. The account and general ledger statement showing the full accounting of the alleged obligation. This data should include the following and reconcile to what is being reported : Current balance Original amount High Limit amount Terms : Payment Amount and frequency for the duration of obligation Last payment date Amount of last payment 1st delenquency date and amount Historical payment trend with corresponding rating key 6. Proof of your communication and date on which you contacted the original furnisher of the information.

Should your offices fail to respond to this verification it will be construed that the reporting of this alleged debt has been misrepresented. In such circumstances, you are hereby instructed to immediately and permanently remove all derogatory entries related to this matter from my credit report.

Trade Line : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  account is being reported inconsistently across all three bureaus with conflicting dates, high credit limits, and statuses. Ive disputed this already and no corrections have been made. Attached are the tradelines from all three credit bureaus, copy of my dispute letter, and USPS proof of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc
State: PA

Complaint narrative:
I am writing to express my concerns regarding the conduct of XXXX XXXX from Joseph , Mann & Creed, reachable at XXXX. I have been contacted multiple times regarding an alleged debt for a vehicle I have already paid off, with the initial claim stating the debt originated in XX/XX/XXXX. Despite my repeated requests for documentation, I was informed that providing such information was not a priority. After persistent efforts, the information was eventually provided. However, upon clarification with my bank, it was determined that the issue was not related to the specified date. 

Subsequently, I received another call asserting the debt now originated in XX/XX/XXXX. When I requested this information be sent via email, the representative explicitly stated they would not " waste their time '' if they could convey it over the phone. I find this representative 's behavior to be unprofessional and unacceptable. While I am prepared to settle any legitimate debts, the manner in which this situation has been handled is highly unsatisfactory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
These accounts violates XXXX XXXX reporting standards. It is incomplete, inconsistent, and unverifiable. Correct or delete immediately.

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 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: PA

Complaint narrative:
I have notified the reps to not call me at XXXX through XXXX XXXX n they continue do so. I have tried getting a lower payment and I have not been able to get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I originally had a business account with XXXX XXXX  and XXXX and the account was very dormant and only used for Tax Payments since XXXX. In XXXX, XXXX XXXX  acquired the bank, I had no previous relationship with XXXX XXXX from XXXX, La nor have I ever signed on for an account with XXXX XXXX XXXX XXXX closed the account and has reported it as charge off to all credit bureaus and XXXX  despite having a {$0.00} balance.

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 2025-10-28 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-28 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: SC

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 2025-10-28 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: NV

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-28 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: NV

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Strata Elite account on XX/XX/year>. I made all payments on time as always on all my credit cards. Somehow, around XX/XX/XXXX, I found there was a warning in my online portal, which urged me to call Citi, and I did. The representative told me that they have suspended all my accounts, but refused to provide any reason and told me to wait for a physical mail. I got the mail roughly 10 days later and was requested to send the 4506-C form back. I filled out the form and sent it back through USPS. After 7 business days, I called to only find out that they wanted box 6c to be unchecked. I immediately sent another one the next day, and again after 7 business days, I called to check, and they said they received the form and would submit it for my tax return information, and told me that my accounts would be restored after they got the response from the bureau. 

After that, I called every week to check on the progress, and they assured me that once the information is received, MY ACCOUNT WILL BE RESTORED. And I even received an email saying that they will refund the annual fee and grant the welcome bonus without the spend requirement. 

However, on the morning of XXXX XXXX, I found out that my account was closed for no reason. I called Citi, and the representative said the decision had been made and there was nothing he could do about this. I asked for the reason for the account closure and to speak for someone else, and got nothing.

Initially, I thought they were asking for the 4506-C form for income verification, and I called to ask if I could send my payslip to prove my income, as I've changed my job this year and the tax return from last year is not going to reflect this yet. They reassured me that I don't need to send this. 

So I've been blocked out of my accounts for almost two months, just dealing with this schenanigan, and at the end, only to find out my account was closed suddenly with no response to it.

While they might be trying to spot some fraud going on during the application, but it seems they are conducting the fraud against the authentic consumers. If I knew that I would get all this nonsense, I wouldn't have even applied for the card, not to mention spent a dime on it.

Please carefully look into this, as I've seen many people on the internet sharing the same experiences, and these are real people, not some fraud Citi has claimed. Thanks for your precious time.

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 2025-10-28 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Activehours
State: PR

Complaint narrative:
There was a reset Wich I was not warned about the poor communication from this company is making me financially struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
After receiving my account details late in the mail, I discovered that I had already missed the first payment. Since I am not accustomed to missing payments, I looked into the statements on the website. After review I discovered the first  XXXX cycle ended after only 3 days. It included the purchases I made online that day and nothing else. The regular billing cycle for a credit line is between 20 and 24 days. I find it unreasonable and predatory that the first XXXX cycle would have only 3 days. This feels like an intentional attempt to generate a late fee on the very first purchases since the billing date may approach nearly simultaneously with the receipt of account documentation and terms. It is also counterintuitive and not in keeping with industry standards for other credit lines. In addition, the delay in my receiving my documents resulted in me making a payment on my due date for the second billing cycle. At this point I discovered that not only would I be charged to make a payment over the phone, but also that apparently payments made on the day of your due date are accepted only until XXXX XXXX XXXX XXXX. Again, this is counterintuitive as the intent of a due date. Is that a payment is due on that day. Which I was attempting to complete. Their recommendation was to make my payment a day early to avoid a late fee. That recommendation feels intentionally designed to force a late fee. If your business recommendation to avoid a late fee is that you should pay your account on the day before it is actually due. Then you are negating the value of having a specific due date. Their response suggests that they are aware that they have made it difficult to meet the due date requirements and so are instructing individuals to pay early which is not a requirement of the card. A solution would be for their company to identify the day prior as your due date and accept payments until midnight if their intent was to provide a user-friendly and non-fee-based product. My complaint is that the origination of this account was intended to be a loyalty product designed to encourage and incentivize shopping with the brand torrid. In actuality, however, I find it to be a predatory and fee-based product that is hoping to generate revenue specifically from underhanded and consumer abusive practices. My request for action is that they acknowledge the predatory policies and adjust accordingly to protect future consumers who may not be as aware of their rights or the industry standards. At minimum, their first billing cycle should be equal to or longer than the average billing cycle for their customers. 3 days is not acceptable and prematurely brings about the first due date. I want them to do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 USC & 1681 ) for inaccurate and unverifiable reporting on my credit report related to the furnisher XXXX XXXX XXXX 

The account in question appears inconsistently across the XXXX major credit bureaus : XXXX XXXX Not more than two payments past due ( last updated XX/XX/2025 ) TransUnion : Paid or paying as agreed ( last update XX/XX/2025 ) Experian : Current account was 30 days past due ( last updated XX/XX/2025 ) These discrepancies demonstrate that the information being furnished is not accurate, complete, or consistent, in violation of FCRA 1681 e ( b ), which requires credit bureaus to maintain reasonable procedure to assure maximum possible accuracy.

I formally dispute this information with credit bureaus under FCRA & 1681i, request a reinvestigation and verification of the data. I also requested that if the information could be not verified or supported by documentation, it must be deleted under 1681i ( a ) ( 5 ) ( A ).

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute both the installation and the financing of two air conditioning units sold to us by an XXXX representative, XXXX, on XX/XX/year> at our residence in XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

Timeline and Facts : On XX/XX/year>, XXXX salesman XXXX visited our home and presented an offer for two complete HVAC systems and {$2500.00} worth of insulation work, with a total price of {$40000.00}. 

XXXX offered us a 10 % discount and 0 % APR financing for 36 months, bringing the total agreed amount to {$36000.00}. 

We agreed based on those terms. XXXX conducted all documentation on his electronic tablet and did not provide us with any copies of the sales agreement, proposal, or financing paperwork. 

On XX/XX/year>, XXXX installed the systems. We later discovered that the upstairs unit was a 2-ton system instead of the 4-ton unit that was discussed and agreed upon. 

Since then, we have repeatedly tried to contact XXXX and XXXX about the incorrect unit and financing terms, but we have not received any meaningful response. 

On XX/XX/year>, we received a notice from Service Finance Company , LLC, stating a loan amount of {$36000.00} with 15.99 % APR for 60 months, resulting in a total of {$54000.00}. These loan terms are completely different from what was agreed to ( 0 % APR for 36 months on {$36000.00} ). 

Problems : 1. We were never provided with copies of any contracts or disclosures as required by law.

2. The loan terms differ drastically from what was promised.

3. The installed equipment is not what we purchased.

4. XXXX has not responded to multiple attempts to resolve these issues.

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 2025-10-28 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: CA

Complaint narrative:
I submitted all required documentation proving that I am a victim of XXXX XXXX XXXX  back in early 2024. Despite this, none of the credit reporting agencies have acknowledged or acted upon my request. Under federal law, including the Fair Credit Reporting Act ( FCRA ) and the XXXX  Victims Protection Act ( TVPA ), I demand the immediate deletion of all information related to this matter, including payment history and any other records, from my credit reports and all consumer reporting agency databases. 

This removal is legally mandated to protect survivors of trafficking and to ensure accurate and fair credit reporting. Please confirm receipt of this request and provide a timeline for completing this action without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
It distorts what I actually stand for financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I found an account reported to the credit bureau by XXXX  that I did not open. This is fraud, and I need it removed 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 explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I found an account reported to the credit bureau by XXXX  that I did not open. This is fraud, and I need it removed from my report.

Company response to consumer: Closed with non-monetary relief