vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bizcorp, LLC
State: TX

Complaint narrative:
Preferred Loan ( XXXX ) in XXXX, TX had called me previously on Thursday, XX/XX/XXXX and again on XX/XX/XXXX to reach my husband and I explained that I did not have information on him. They called again on Monday, XX/XX/XXXX, and i stated to the lady that she would need to call him again since I could not provide any additional information to them on how to reach him. The last thing I stated to her was that she would need to call his listed phone number to reach him. A few minutes later, " XXXX '' caleld from a different XXXX, a wireless number ( XXXX ) and got extremely nasty saying that since they were going to file charges against my husband for not paying them back an amount of about XXXX XXXXXXXX and since I lived in a community property stat, I was just as responsible as he is. I should know what was going on with the furniture, namely a fireplace TV stand and a recliner and another item. She is literally talking over me and won't allow me to explain that we do not live in the same house. She goes on to say that if this furniture is in " your house '' you had to know it had to be paid for. I was at work and was trying to explain to her that I have the same phone number that she does to reach him and that she could call him and leave a message. She got terribly nasty to a point where I encountered an anxiety attack and had to go sit in my boss 's office for a minute to gather my composure. XXXX. She divulged information about specifics of the debt owed by husband. Spouse or not, inappropriate. XXXX. When I tried to ask her not to call me for his information she talked over me. 

When I could finally hit the record button and she heard the message stating the call was being recorded, she hung up very quickly. I do NOT have an account with this company but was treated with utter disrespect and rudeness.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

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 2025-09-23 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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: MD

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 mailed off my dispute letters and uploaded them online. I listed everything that was opened fraudulently, i sent my FTC report and detailed letter on XX/XX/year>. I will attach my report and letter sent to all credit bureaus

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 2025-09-23 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 mailed off my dispute letters and uploaded them online. I listed everything that was opened fraudulently, i sent my FTC report and detailed letter on XX/XX/year>. I will attach my report and letter sent to all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
In compliance with federal statute 15 U.S. Code 1681g, remove the disputed records within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting by Citibank, XXXX, issuer of the Best Buy/Citibank credit card account ending in XXXX XXXX XXXX XXXX XXXX 

On my XXXX, XXXX, and XXXX  credit reports, Citibank has reported a XXXX  days past due payment in XXXX XXXX  with a past-due balance of {$63.00} and an outstanding balance of {$120.00}. This reporting is inaccurate, incomplete, and unlawful for the following reasons : Failure of Proper Notice I was never properly informed of a residual balance of {$120.00}. Without clear billing or adequate notice, no payment can legally be considered late. Reporting a delinquency under these conditions constitutes the furnishing of misleading and incomplete information. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers are prohibited from reporting information they know or reasonably should know is inaccurate. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon dispute, furnishers must conduct a reasonable investigation into the accuracy of the information.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) : If information is found to be incomplete or inaccurate, the furnisher must modify, delete, or block such reporting.

Violation of Florida Consumer Protection Laws Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ( 9 ) ) : Prohibits asserting the existence of a debt under conditions that are not legitimate or properly disclosed.

Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ( 1 ) ) : Prohibits unfair or deceptive acts. Failing to notify a consumer of a residual balance and then damaging their credit is both deceptive and unfair.

Good Faith by the Consumer I acted in good faith and contacted Citibank promptly once I became aware of the issue. Despite this, Citibank refused to correct the record, resulting in severe damage to my credit score ( a drop from approximately XXXX to around 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 2025-09-23 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: PR

Complaint narrative:
I received notification from XXXX XXXX of hard inquiries that are not mine, also employment information was edited without my authorization. I opened disputes with Equifax Credit agency, freeze credit report and initial fraud alert was completed between following XXXX XX/XX/year> and XX/XX/year>. Also, I communicated with XXXX  on XX/XX/year> and they ascertain was not able to identify new hard inquiries on my credit report. Please refer below to notifications of unauthorized ( not mine ) inquiries and employment information obtained from XXXX XXXX application. 

Hard Inquiries : Equifax : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX  : XXXX XXXX  ( Bank ) - XX/XX/year> XXXX XXXX XXXX ( Auto ) - XX/XX/year> XXXX XXXX  ( Bank ) - XX/XX/year> Employment : XXXX XXXX XX/XX/year> ( This is not my employer )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: PR

Complaint narrative:
I received notification from XXXX XXXX of hard inquiries that are not mine, also employment information was edited without my authorization. I opened disputes with XXXX  XXXX XXXX, freeze credit report and initial fraud alert was completed between following XXXX XX/XX/year> and XX/XX/year>. Also, I communicated with Transunion on XX/XX/year> and they ascertain was not able to identify new hard inquiries on my credit report. Please refer below to notifications of unauthorized ( not mine ) inquiries and employment information obtained from XXXX XXXX application. 

Hard Inquiries : XXXX  : XXXX XXXX XXXX XX/XX/year> XXXX XXXX- XX/XX/year> TransUnion : XXXX XXXX  ( Bank ) - XX/XX/year> XXXX XXXX XXXX ( Auto ) - XX/XX/year> XXXX XXXX  ( Bank ) - XX/XX/year> Employment : XXXX XXXX XX/XX/year> ( This is not my employer )

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 2025-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I owe student loans when the school just closed down without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. These accounts do not belong to me, I never opened them, and I was never informed of their addition. On top of that, the information is being reported differently across the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring credit agencies to maintain maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees me the right to a complete and accurate file disclosure.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been added to my credit report without my knowledge or consent. These accounts were never opened or authorized by me and are entirely inaccurate. Their reporting has created a misleading representation of my financial history and has caused undue harm to my credit 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 explanation
Consumer complaint received 2025-09-23 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:
On XX/XX/year>, I reviewed my Experian credit report and identified inaccuracies, specifically the XXXX XXXX account # XXXX ( and any related accounts ). 

On XX/XX/year>, I mailed a certified dispute letter requesting a reinvestigation of these items. Experian responded stating the accounts were verified and accurate. However, the response did not reflect a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), if information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must delete or correct the item. Because Experian failed to conduct a meaningful reinvestigation and did not provide adequate verification, this constitutes a violation of my rights under the FCRA.

Resolution Requested Please delete the XXXX XXXX account # XXXX and any other disputed accounts from my credit report, and provide me with written confirmation of these deletions.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citibank XX/XX/year> and they XXXX XXXX on me. I lost my debit card!! i have lost my debit card called trying to get assistance the first lady hung up on me. Called back and now my information isnt matching which is weird because the same information im giving them is the same XXXX in the Citibank app. They asked for my number they said it was wrong .. how is it wrong when citi sends me verification codes? I gave them my previous number which is the XXXX i had when I opened the account they said thats wrong .. yet in the app those are XXXX numbers .. so im confused .. wasnt helped .. so when Citi has to repay me due to fraud i tried to alert them about i dont want any issues!!

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 2025-09-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally dispute several charges on my debit card account that were made without my authorization. These transactions were initiated by my minor child, without my knowledge or consent. 

The details of the disputed charges are as follows : Merchant ( XXXX ) : XXXX XXXX XXXX Transaction Date ( XXXX ) : XXXX XXXX XX/XX/XXXX Amount ( XXXX ) : XX/XX/XXXX. {$53.00} XX/XX/XXXX. {$53.00} XX/XX/XXXX. {$38.00} XX/XX/XXXX. {$37.00} XX/XX/XXXX. {$33.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$53.00} XX/XX/XXXX. {$60.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$46.00} XX/XX/XXXX. {$4.00} XXXX. {$54.00} XXXX. {$39.00} XXXX. {$37.00} XXXX. {$45.00} XXXX. {$19.00} XXXX. {$31.00} XXXX. {$38.00} XXXX. {$12.00} XXXX. {$5.00} XXXX. {$9.00} I did not authorize these purchases, nor did I benefit from them. As the parent and primary account holder, I request that Bank of America investigate and reverse these charges under the protections afforded to me. 

Please let me know if you require any supporting documentation such as receipts, account screenshots, or proof of my childs age to complete this dispute. 

Thank you for your prompt attention. I look forward to your confirmation that this matter is under investigation.

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