vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I have no association with these listed inquiries and suspect fraudulent activity. Immediate review and action are requested. Please examine the enclosed documents.

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 2025-07-22 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: RI

Complaint narrative:
I was offered a payment agreement for my payment. I asked if it would casue me to become 30 days late, and I was advised No. I asked 3 times, and the customer service rep stated my loan was set up before XXXX starting reporting 30 day delinquints, and by entering into the payment aggreement, I avoid becoming 30 days delinquint. 
Please correct the 30 day late notice on my Experian credit 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 2025-07-22 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, BMW Financial Services illegally re-aged a collection account that had been inactive for over a year. This account had already been marked in collection and should not reflect new delinquency activity. The company reported a missed payment dated XX/XX/XXXX, which is false and misleading, as the account was already charged off and had no payment obligation or billing activity. This re-aging tactic caused my XXXX credit score to drop XXXX points, severely damaging my credit despite the account having been closed and inactive. 

I had previously disputed this account and requested all documentation, including the original contract, account history, and payment record. BMW failed to provide any such validation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA rules prohibiting re-aging of charged-off or closed accounts. 

Other bureaus have already removed this item, confirming its invalid status. I request immediate investigation and removal of this illegitimate re-aged activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I attempted to transfer the funds from my CITI Bank account to transfer to my primary bank account that I had sent there though direct deposit in order to be qualified for the bonus. 

Then when I attempted to log in several times it locked me out, I called and they thought I was attempting to commit fraud because I didn't have my debit card which I lost, then they locked me out of online banking for a day, then afterwards from finally being able to log in, I was unable to send myself the money I had direct deposited to the account, making me out of my own money I was paid for from my current job for another several days which I needed to make payments for my bills so I was forced to transfer funds elsewhere to pay for my bills on 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
Several of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 

All accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily.

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 2025-07-22 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: OH

Complaint narrative:
To Whom It May Concern : I paid off my Citi Bank Card on XX/XX/2025, and subsequently closed the account. I would love to say that this was an easy process but dealing with Citi and their offshoring XXXX XXXX has been a horrible experience. After paying the entire balance of {$3100.00} and closing the account I am now getting collections calls and bills for over {$100.00} that state that I owe additional funds and also late fees. The account was paid off and closed -- -period. How can I owe money when I paid off the balance and closed the account. As Citi can pull their records to validate this I am requesting that we removed as I do not feel I owe this and also not reported to the Credit Bureaus. Please note, that it was extremely difficult to get verified along with also, requesting multiple times that I be transferred to a Call Center Representative within the United States. Even after going through the verification process, I was transferred to another offshore representative and still had to go through verification. I asked the agent if it was a warm transfer or a cold transfer and she stated warm but I doubt that. 

Citi Bank I am not attempting to be difficult but ask that this be resolved in my favor. Should you have any questions, please feel free to contact me at my number on file.

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 2025-07-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ou were never contacted by XXXX or XXXX XXXX XXXX before this was added to your credit report. 

No written notice, proof of debt, or opportunity to dispute was provided as required under the Fair Debt Collection Practices Act ( FDCPA ). 
The amount is small and may have been related to a billing error or misunderstanding ( e.g., lapse in policy, unpaid balance not communicated ).

The debt appears to have been reported without a final notice or resolution opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
ou were never contacted by XXXX or XXXX XXXX XXXX before this was added to your credit report. 

No written notice, proof of debt, or opportunity to dispute was provided as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The amount is small and may have been related to a billing error or misunderstanding ( e.g., lapse in policy, unpaid balance not communicated ).

The debt appears to have been reported without a final notice or resolution opportunity.

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 2025-07-22 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and I have personally written this report because of an inaccurate credit account which is hindering my credit profile. This is false and misleading and the credit bureaus refuse to remove this account. i have tried to resolve this with the major credit agencies ( Transunion, Experian, Equifax ) and XXXX  XXXX and the debt collector XXXX XXXX XXXX XXXX. i need this debt investigated and validated. This needs to be REMOVED from my account as soon as possible. 
Please help.. It will be addressed below. This has dropped my score drastically and as a result I am unable to grow and improve my life as a young woman raised in poverty because of credit denials. Thank you very much! I have already created an FTC as well. FTC Report Number : XXXX Please remove this collection XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed multiple inaccurate and unverifiable items on my credit reports with both TransUnion and Equifax that I have never been properly informed about, nor provided documentation for. These include accounts listed under XXXX ( Account # : XXXX ), XXXX XXXX XXXX ( Account # : XXXX ), and XXXX/XXXX  ( Account # : XXXX ). These accounts contain inconsistent reporting, outdated data, and have not been validated with original signed agreements, payment histories, or legally required documentation. I never received notices or billing statements proving that these accounts belong to me. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item that is inaccurate or can not be verified. I submitted a formal request to reinvestigate these entries and to remove all incorrect personal details including inaccurate names and address variations that are not mine. I have asked both credit bureaus to respond within the required 30-day window, and if the accounts can not be verified, they must be deleted in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I recently reviewed my Experian credit report and found several inaccurate and unverifiable negative accounts listed. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if any account is inaccurate or can not be fully verified, it must be deleted from my report. I am formally disputing the following accounts because they contain errors, lack proper documentation, or were placed on my report without sufficient validation. I am requesting that these accounts be removed immediately to comply with federal law. 



XXXX XXXX XXXX  Balance : {$530.00} Status : Collection account Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$19000.00} Status : Charged off ( Repossession ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ( Charged off, sold to XXXX XXXX ) Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$720.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Status : Charged off Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I recently reviewed my Experian credit report and found several inaccurate and unverifiable negative accounts listed. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if any account is inaccurate or can not be fully verified, it must be deleted from my report. I am formally disputing the following accounts because they contain errors, lack proper documentation, or were placed on my report without sufficient validation. I am requesting that these accounts be removed immediately to comply with federal law. 



XXXX XXXX XXXX  Balance : {$530.00} Status : Collection account Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$19000.00} Status : Charged off ( Repossession ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ( Charged off, sold to XXXX XXXX ) Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$720.00} Status : Charged off Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Status : Charged off Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: IN

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 2025-07-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-22 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: LA

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 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 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 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 2025-07-22 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: IL

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Since XXXX I have had balances with 2 different interest rates. 
I had XXXX with an interest rate of 33.99 % and a larger balance with a lower rate of 28.24 %. 
I did not make any additional purchases nor did I have any promotional rates. 
I made a payment of XXXX $ ( well in excess of my minimum amount of XXXX $ ). 
Yet they chose - where law stipulates they must- not to apply the excess amount to the balance with the higher interest rate. Leaving me the following month with a balance on XXXX at the higher 33.99 % interest rate ( & charging me additional interest on it ).

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 2025-07-22 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: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$2000.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief