vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Repeated Noncompliance and Failure to Correct Inaccurate Payment History I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of late payments on my credit file. This is now my third formal dispute submitted directly by me, not a third party, and more than 35 days have passed since my original dispute was filed without any resolution. 

Despite multiple written requests, the credit reporting agency has failed to provide any documentary evidence substantiating the reported late payments, which is required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). These unresolved issues now raise serious legal concerns regarding billing errors and violations of federal consumer protection laws. 

Disputed Accounts ( Late Payments ) XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Open ) XXXXXXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open ) XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( Open ) Basis for Dispute : These accounts continue to reflect late payments that I believe were reported in error. Under 15 U.S. Code 1666 ( b ), this may constitute a billing error, specifically : Failure to apply or credit a timely payment ; Miscalculation or accounting error by the creditor ; Failure to issue a billing statement at least 21 days before the due date, making any late payment reporting potentially unlawful.

Despite two prior disputes, I have not received : Documentation verifying that the late payments were reported accurately ; The method of verification used. 

The name and contact details of any data furnisher that was contacted during the reinvestigation. 

Legal Violations and Statutory Grounds : The credit reporting agency has violated the following provisions of federal law : 15 U.S.C. 1681i ( a ) : Failure to perform a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the consumer with the method of verification.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1666 ( b ) : Mishandling of billing error disputes.

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 2025-07-10 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-10 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
CITI BANK reported private financial information about me to third parties including but not limited to Consumer Reporting Agencies that is harming me. I am not in receipt of any document which verifies CITI BANK obtained my consent to share my information with third parties including but not limited to any Consumer Reporting Agencies. CITI BANK " Customer Agreement '' has an impaired disclosure, as it fails to disclose the consumers right to direct that such information NOT be disclosed ( opt-In consent ) ; and fails to provide the consumer with instructions on how the consumer could exercise that non-disclosure option as defined by the GLBA 15 USC 6802 The herein mentioned original creditor used deceptive and unfair methods to obtain the consumers ( XXXX XXXX XXXX consent to disclose private personal non-public financial information to non-affiliated third parties which include but is not limited to TransUnion, Experian and Equifax. After fraudulently obtaining consent, the herein mentioned data furnisher, creditor, then used the consumers identifying information to furnish information to consumer reporting agencies breaching the consumers privacy, to intentionally harm my person to suffer an economic loss. This is Identity Theft and fraud! They are not responding to NOTICE OF IDENTITY THEFT AND FRAUD BY AFFIDAVIT .. FTC REPORTS and COMPLAINTS WITH THE OFFICE OF THE COMPTROLLER OF CURRENCY were also made and I am ready to take legal action.

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 2025-07-10 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: CT

Complaint narrative:
There is inquiries that are on this report and did not authorize, need this inaccurate information removed asap as it is an infringement on my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite being notified of the disputed status of these accounts, you failed to take appropriate action. Your continued reporting of these accounts is both negligent and damaging to my financial standing.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Repeated Noncompliance and Failure to Correct Inaccurate Payment History I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of late payments on my credit file. This is now my third formal dispute submitted directly by me, not a third party, and more than 35 days have passed since my original dispute was filed without any resolution. 

Despite multiple written requests, the credit reporting agency has failed to provide any documentary evidence substantiating the reported late payments, which is required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). These unresolved issues now raise serious legal concerns regarding billing errors and violations of federal consumer protection laws. 

Disputed Accounts ( Late Payments ) XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Open ) XXXXXXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open ) XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ( Open ) Basis for Dispute : These accounts continue to reflect late payments that I believe were reported in error. Under 15 U.S. Code 1666 ( b ), this may constitute a billing error, specifically : Failure to apply or credit a timely payment ; Miscalculation or accounting error by the creditor ; Failure to issue a billing statement at least 21 days before the due date, making any late payment reporting potentially unlawful.

Despite two prior disputes, I have not received : Documentation verifying that the late payments were reported accurately ; The method of verification used. 

The name and contact details of any data furnisher that was contacted during the reinvestigation. 

Legal Violations and Statutory Grounds : The credit reporting agency has violated the following provisions of federal law : 15 U.S.C. 1681i ( a ) : Failure to perform a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the consumer with the method of verification.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1666 ( b ) : Mishandling of billing error disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I purchased an American Express gift card from * * XXXX in XXXX XXXX, California XXXX XXXX and activated it for personal use. I successfully added the card to my XXXX XXXX XXXX XXXX XXXX account and used it to place an order from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also charged its monthly subscription fee of XXXX XXXX  \ {$9.00} XXXX XXXX, leaving an available balance of approximately XXXX XXXX XXXX  {$230.00} XXXX XXXX on the card. 

On XXXX XXXX XXXXXX/XX/2025, at approximately XXXX AM XXXX XXXX, I attempted to use the card again and was unexpectedly declined for XXXX XXXX insufficient funds XXXX XXXX. Upon checking the card balance, I found that only XXXX XXXX XXXX  {$0.00} XXXX XXXX remained. 

Upon reviewing the transaction history, I discovered XXXX XXXX XXXXXXXX unauthorized charges XXXX XXXX, all processed at the same time, from the same merchant, and for amounts that together match the balance that should have been available. The transactions were made to a merchant labeled : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX ( Georgia ) XXXX XXXX. 

I live in XXXX XXXX California XXXX XXXX and have XXXX XXXX never authorized any purchases from this merchant * *, nor have I ever been to Georgia. A basic internet search of " XXXX XXXX '' reveals a suspicious website that purports to sell mens suits. However, when reverse image searching the product photos from their homepage, the items appear to be taken from unrelated retailers, and the merchant 's listed phone number is disconnected. 

I immediately contacted XXXX XXXX  American Express XXXX XXXX to dispute the charges and was initially told the funds were on hold until XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I followed up, I was given a XXXX XXXX dispute case number XXXX XXXX and told the investigation would take XXXX XXXX XXXX XXXX XXXX XXXX  However, less than XXXX hours later, I received an XXXX XXXX  automated email denying the dispute XXXX XXXX without explanation or investigation. 

Given the circumstances the out-of-state fraudulent transactions, the likely fake or fraudulent merchant, and the mishandling of the dispute process I believe XXXX XXXX American Express Prepaid Card XXXX XXXX XXXX XXXX XXXX XXXX its duty to protect consumers from fraud and improperly denied a legitimate dispute. I am now out over XXXX XXXX XXXX {$230.00} * *, and the company refuses to offer resolution or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within XXXX business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy.

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 2025-07-10 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-10 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: WA

Complaint narrative:
I XXXX XXXX am filing This CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency, block and delete all of these inquiries appearing on my consumer credit report that is the result of identity theft and improper use of my personal information without my consent within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That I did not authorize or give permission for. I do not recognize the aforementioned the consumer credit accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: WA

Complaint narrative:
I XXXX XXXX am filing This CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the consumer credit reporting agency, block and delete all of these inquiries appearing on my consumer credit report that is the result of identity theft and improper use of my personal information without my consent within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That I did not authorize or give permission for. I do not recognize the aforementioned the consumer credit accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud

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 2025-07-10 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NXXXX XXXX XXXX XXXXXX/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 explanation