vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this formal dispute regarding multiple accounts that have been inaccurately reported on my credit report. I am requesting that these items be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$6000.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$920.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX CARD, XXXX, XX/XX/XXXX, {$850.00} XXXX CARD, XXXX, XX/XX/XXXX, {$9000.00} XXXX CARD, XXXX, XX/XX/XXXX, {$9600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$860.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} INQUIRIES : XXXX, XX/XX/XXXX LATE PAYMENTS : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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: 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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: TN

Complaint narrative:
I am filing a complaint because BMG Money has failed to refund an overpayment that was taken my paycheck through a federal allotment. On XX/XX/year>, I spoke to a representative that insured me that the overpayment was processed and will take a few weeks. They acknowledged the overpayment and stated the refund would be issued. Since that date, I have contacted BMG Money multiple times. Each time, the company claims they are experiencing technical difficulties and that the refund will be processed soon. As of today, XX/XX/year>, I have still not received the refund. It has now been more than 30 days past the date they received the funds, and BMG Money has provided no confirmation, no processing timeline, and no proof that the refund is being issued. This delay is causing financial hardship because the payment was suppose to be used to pay bills I have as of right now. I am still actively paying my loan on time, so this is not a payoff issue. Despite this, they continue to stall and provide vague explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: NY

Complaint narrative:
In approximately XX/XX/XXXX, I opened a XXXXXXXX XXXX XXXXXXXX credit card through XXXX Bank to finance a furniture purchase under a XXXX percent interest, XXXX promotional plan. I set up an automatic payment of XXXX XXXX  per month, which was always higher than the minimum required. I made every payment on time for the full promotional period. 

In early XXXX, I checked the remaining balance for the promotional plan and paid it in full. I believed this payment completed the zero-interest financing as agreed. Later that year, I discovered that approximately XXXX XXXX  in deferred interest had been added to my account. This interest should not have been charged because I paid more than the minimum every month and paid off the promotional balance before the end of the term. 

I contacted XXXX XXXX, and a representative told me that a request would be submitted to remove the interest and that it might take a few billing cycles. Before the issue was resolved, the XXXX XXXX XXXXXXXX credit card portfolio was transferred from XXXX to Imprint in XX/XX/XXXX. Imprint told me they could only see a few months of recent activity and did not have access to the full XXXX account history. 

Imprint has continued billing me for the disputed interest even though the charge originated under XXXX and should have been resolved before or during the transfer. I have made all required payments, I paid the promotional balance in full, and I acted in good faith to correct the issue. The interest and related late fee appear to be the result of a servicing or payment-allocation error that was never corrected during the transfer between issuers. 

I am requesting that the improper deferred interest and any related fees be removed and that the servicers provide a complete account history showing how my payments were applied during the promotional period.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to repair my credit, and I am disputing the following accounts on my credit reports from Equifax ( XXXX ), These accounts are inaccurate and require correction. The details of the disputed accounts are as follows : INQUIRIES XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX/XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX & XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 am writing to dispute the following accounts that I believe have been reported inaccurately on my credit report. Below is the detailed breakdown of the accounts in question, separated by bureau. 

XXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, $ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I purchased four vintage jewelry items from XXXX XXXX for {$620.00}. The sales associate told me one necklace was platinum, and both the tag ( XXXX XXXX XXXX ) and the handwritten invoice ( XXXX XXXX ) reinforced that impression. After the purchase, I confirmed the item is only silver-tone. This was a material misrepresentation that affected my decision to buy.

The store refused a refund. The owner stated the refund-policy sign was behind the counter, but during both of my visits no sign was visible from any customer position. The clerk stood in front of the counter and customers can not see the back wall. XXXX XXXX customer photos also show no visible refund policy. Under NY GBL 218-a, a refund policy must be clearly and conspicuously posted before purchase, which was not the case.

I emailed the merchant multiple times requesting a refund. They refused and became hostile. On XX/XX/XXXX, I returned to the store with all four items to attempt an in-person refund. The clerk again refused any refund and offered only store credit, and made inappropriate comments. The items remain unused and in original condition.

After the purchase, I also found one same necklace sold online for {$75.00} ( vs. {$210.00} at the store ), supporting my concern of misrepresentation and unfair pricing.

I disputed the charge with Citi. I submitted evidence, but Citi closed the dispute without explaining what evidence they reviewed, without providing the basis for their decision, and without giving me an opportunity to submit further documentation as required under the billing error resolution rules. Citis letter was a generic denial with no investigation details.

I am requesting CFPB assistance because : ( 1 ) the merchant misrepresented material information, ( 2 ) the store failed to disclose its refund policy in a legally required manner, ( 3 ) I attempted resolution multiple times without success, and ( 4 ) Citi did not properly investigate my dispute or provide the required explanation.

I am requesting a full refund upon return of all merchandise.

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 2025-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/year> someone opened a MoneyGram account in my name and stole my debit card information and sent themselves {$440.00} and there was a XXXX charge totaling {$510.00}. I call my bank and moneygram to stop the payment, but they said it was to late. I disputed the charges and am awaiting an outcome. I also spoke with Moneygram and they insured me that no one would ever be able to open an account with my name ever again. Well today XX/XX/year> another account was opened and they made another attempt to take money. Thankfully the card they are attempting to use has been closed out. This should have never happened a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that appear on my credit reports with the three major bureaus : Equifax ( XXXX ), Please find the detailed information regarding the accounts in dispute below. 

Charged Off Accounts DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} DPT ED/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries XXXX  Date of Inquiry : XX/XX/XXXX Late Payments XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation