vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-04 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX Date : 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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I have been a victim of identify theft. I didn't authorize these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-08-04 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MS

Complaint narrative:
My student loans were included in my bankruptcy which is closed. They are showing up as duplicate accounts on my credit reports for experian and transunion showing XXXX different balances. My mohela student loans are showing paid in full which again they were included in my bankruptcy. I have sent multiple complaints to experian about this issue but they have refused to fix the issue and it's damaging my credit report. I am asking that student loans be removed from my experian credit report and also my transunion credit report asap or I will begin taking legal action against transunion and experian.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am submitting this complaint with complete certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they are seriously damaging my XXXX XXXX and preventing me from achieving financial stability and freedom.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I went over to the CITIBANK Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I used the ATM machine # XXXX between XXXX pm XXXX and XXXX pm XXXX to make a payment to my CITIBANK XXXX anywhere credit card. I first enacted a transaction to see the credit card balance, the account information showed the balance on the credit card at this time was XXXX USD. I then enacted a payment transaction of XXXX to the ATM machine. The ATM machine malfunctioned, did not return the cash I had put into the machine, my credit card account was not credited with the XXXX USD I put into the machine, and I was not provided a receipt of the payment of XXXX USD. I immediately called the toll free phone number on my credit card ( XXXX ) and spoke with a call representative. The call representative stated they could not help me, and I need to return to bank branch where the ATM machine is located and ask the employees at the branch to help me. I returned to the bank branch the following day on XX/XX/year>, and explained the situation to the person working there, The person said they could not help me, and that I need to call the toll free number on credit card. So I called the toll free number again, this time the call representative created an investigational case, to recover my funds and credit my account. A conditional credit of XXXX USD was posted to my account, but then it was reversed a few days later. I immediately called the toll free number again to inquire why they reversed the XXXX USD credit to my account, they directed me to go back to the branch where the ATM was located and ask branch to help resolve the issue. I went back to the bank branch and asked to speak to the Bank Branch Manager. The branch manager was not available, and the employees did not know when the branch manager would be available, I was told to have a seat and wait until the manager was available and if the bank manager has time I will be attended to. I even asked to make an appointment, but was just told to have a seat and wait. I waited for another XXXX minutes, and then left the bank branch. I did call the toll free number again, but did not get the help I needed, and I was extremely frustrated with the unwillingness of Citi employees to help resolve the issue, that I asked them to close my accounts. They did honor my request and closed my accounts, but still have not cleared the balance on my CITIBANK XXXX XXXX Credit Card.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have tried to fix the situation and they denied me like a small payment was denied and they would not expect my coupon they where denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> In accordance with 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, my rights regarding lawful communication have been violated. 

As a result, I respectfully request that this collection account be removed from my credit file. Please conduct a full investigation and provide written confirmation of the outcome. 

.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
ChexSystems is reporting negative information that is preventing me from opening any checking or savings accounts. I have attempted to resolve this with them directly, but have been unsuccessful. Im requesting that this be investigated and the information either updated or removed so I can access basic banking services.

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 2025-08-04 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: KY

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I been requesting XXXX and XXXX, XXXX a " Debt validation '' by e-mail ( to : XXXX ) XXXX times and I haven't received an answer yet. I sent XXXX emails directly to their e-mail address ( XXXX ) and filled out their " contact us '' form of their website ( https : //blittandgaines.com/contact-us/ # contact-anchor ) XXXX times on the following dates of 2025 : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Here 's a copy of the debt validation request : XXXX and XXXX, P.C XXXX Corporate XXXX XXXX, XXXX XXXX, IL XXXX RE : Debt Validation Request To whom it might concern : This letter is to formally request the validation of the debt you are claiming I owe. I am disputing the debt and require verification that I am indeed the party responsible for this obligation. I am requesting that you provide the following information within as soon as possible : 1. File Number.

2. The original creditor 's name and address.

3. A copy of the original signed contract or credit agreement.

4. An itemized statement of the debt, including the original amount, all interest charges, and any fees. 5. Documentation showing when and how the debt was transferred to your agency. 6. The date the debt became delinquent. Thank you for your attention to this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
ESCALATING CASE # XXXX COMPANY IS IN BLATANT VIOLATION OF MY RIGHTS UNDER THE FCRA - COMPANY HAS FAILED TO RESPOND IN MONTHS. THIS BEHAVIOR CONSTITUES WILLFUL NON-COMPLIANCE. 

I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXX credit card and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c 2, TransUnion was legally obligated to block this information from my credit file within XXXX business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. After receiving multiple View full complaint reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within XXXX business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$6500.00} -Discover Card - Balance {$1700.00} -Discover Card- Balance {$2500.00} -CAF - Balance {$5600.00}

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 2025-08-04 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: NV

Complaint narrative:
I was checking my credit report and found this that I don't recognize. I am attaching a copy of my police report/FTC identity theft report FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This letter is to bring to your attention an inaccurate and fraudulent account listed on my credit report. I have never conducted any business with the company in question, and I have no record of this account being established by me.

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