vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have never been late or missed any payments when I started with citi they started me at 17 % -19 % after the introduction period and I have had them for several years some longer than 10years. Earlier this year they decreased my available credit which without any changes to my debt or my history lowered my credit score significantly, almost XXXX points. Then they proceeded to use my decreased credit score that they caused, to increase my interest rates to over 27 %. Keep in mind I have NEVER missed a payment and have been their customer for more than 10years for 1 card and almost 20 years for the other 2. Citi has abused my credit score in order to increase my interest rates, They lowered my max credit on 1 card from {$20000.00} to XXXX and the other 2 similar to the same amount which lowered my credit score due to available credit moving from less than 50 % to above 80 % without changing my actual balance. This year alone my balances have decreased by only XXXX due to the increase but the payments required for minimum have gone up by nearly {$200.00} between the cards so XXXX = {$1800.00} increase in my minimum payments without increasing the balances of the cards, in fact lowering the balance by more than {$1100.00}. I have never missed any payments and have 0 negative remarks on my credit, but these unfair practices have made me consider bankruptcy just to remove them, because at least in 7years I'd be free of them instead of them constantly increasing my cost without increasing my balances for the rest of my life.

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 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 explanation
Consumer complaint received 2025-09-22 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: DE

Complaint narrative:
In 2023, I hired a lawyer to file lawsuits against XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and several other debt reporting agencies, including XXXX, XXXX XXXX, and a few others that fraudulently reported my information. I won these cases and argued with the creditors that the issues had been resolved through the lawsuit. 

Since then, I have disputed multiple items on my credit report. Some have been removed immediately, while others remain unresolved, and no action has been taken to correct these matters. I have been advised that I would need to hire a separate attorney to sue each company for violating the Fair Credit Reporting Act ( FCRA ) laws. Although I keep being told that an investigation was conducted, when I inquire about the outcomes, I'm informed that I must wait XXXX to XXXX days for an update.

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 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
Dear TransUnion 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

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 2025-09-22 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I object to the listing of accounts I never authorized. Please review extensively and expunge them. Relevant evidence is enclosed.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
What Happened : Experian is reporting an address that is completely inaccurate and not associated with me : XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. This is not, and has never been, my residence. I previously disputed this address directly with Experian, but they failed to remove it and instead left it on my file. 
On XX/XX/year>, I obtained my Experian report and confirmed the wrong address remains. Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ), Experian is required to ensure maximum possible accuracy in consumer reports. Reporting an address that does not belong to me is a violation of this standard and harmful to my credit profile. 
In addition, Experian has also : Placed an unauthorized fraud alert on my file dated XX/XX/year>, which I never requested. 
Continued to report negative tradelines from XXXX and XXXX XXXX  that I do not recognize and which have never been validated. Despite my disputes, Experian closed investigations without providing verification or documentation, in violation of FCRA 611 and FDCPA 809 ( b ).

These inaccurate entries damage my creditworthiness, misrepresent my identity, and demonstrate Experians failure to comply with federal 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
What Happened : Experian is reporting an address that is completely inaccurate and not associated with me : XXXX XXXX  XXXX XXXX, XXXX, CA XXXX. This is not, and has never been, my residence. I previously disputed this address directly with Experian, but they failed to remove it and instead left it on my file. 
On XX/XX/year>, I obtained my Experian report and confirmed the wrong address remains. Under the Fair Credit Reporting Act ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ), Experian is required to ensure maximum possible accuracy in consumer reports. Reporting an address that does not belong to me is a violation of this standard and harmful to my credit profile. 
In addition, Experian has also : Placed an unauthorized fraud alert on my file dated XX/XX/year>, which I never requested. 
Continued to report negative tradelines from XXXX and XXXX XXXX  that I do not recognize and which have never been validated. Despite my disputes, Experian closed investigations without providing verification or documentation, in violation of FCRA 611 and FDCPA 809 ( b ).

These inaccurate entries damage my creditworthiness, misrepresent my identity, and demonstrate Experians failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: AZ

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 2025-09-22 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: AZ

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 2025-09-22 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 2025-09-22 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
On Tuesday, XX/XX/2025 I received an email from NetCredit stating that my application was denied due to my credit. I responded back stating that I have never heard of NetCredit and that I never requested my credit to be run for any reason and requested a call back. I received an email stating that I had to call them in which I responded saying I dont have time to sit on hold all day because I work and I requested them to call me. Several days went by and I didnt get a response so I emailed again requesting them to call me and stated that if I did not receive a response by this past Friday, XX/XX/XXXX that I would report it to the state. I did not receive a response back until today XX/XX/XXXX in which again they stated that I had to call them. Again, I work a 9 to 5 job I can not sit on hold all day, and requested twice that they call me to correct the error that they caused with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX, a New York XXXX XXXX company, concerning their failure to credit a confirmed deposit of cryptocurrency ( XRP ) into my account. 

Background : On XX/XX/year>, I withdrew XXXX XRP from my verified XXXX account to XXXX. 

Transaction ID ( TxID ) : XXXX Destination Address ( XXXX XXXX XXXX ) : XXXX Destination Tag Used ( per XXXX confirmation ) : XXXX My correct XXXX  tag : XXXX Facts : The funds left XXXX successfully and were confirmed on the XRP Ledger. 

XXXX has provided written confirmation of the exact destination tag used ( XXXX ). 

XXXX has acknowledged that the funds arrived in their custody. 

Despite this, XXXX  has refused to credit the funds to my account. 

Prior Attempts at Resolution : I opened a support ticket with XXXX  ( XXXX # XXXX ), but they have not resolved the issue. 

I escalated to the New York Department of Financial Services ( DFS ) under Complaint File No. XXXX. DFS responded that they could not act, citing jurisdictional limits, and directed me to CFPB. 

Issue : XXXX  is holding funds that are confirmed on the XXXX  and verified by XXXX, yet they refuse to credit them to my account. This constitutes a failure in their duty as a regulated financial institution and directly impacts my access to deposited funds. 

Request : I request that CFPB review this matter and compel XXXX  XXXX XXXX to credit the confirmed deposit of XXXX XRP to my account. I am providing all documentation ( XXXX confirmation, XXXX  correspondence, DFS letter ) as supporting evidence. 

Thank you for your attention. Please let me know if you require additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
I am submitting this complaint regarding the company that financed my vehicle, which has already been repossessed. Despite the repossession, the company continues to aggressively contact and harass me about the assumed remaining balance. I receive repeated calls and messages that are excessive, intimidating, and feel abusive in nature. I understand that I may still owe a balance, but the manner in which this company is pursuing me is inappropriate and creates unnecessary stress. I am asking for this harassment to stop and for this matter to be handled through proper, lawful channels instead of continued harassment.

Company response to consumer: Closed with explanation