vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the XXXX XXXX XXXXr over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-14 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 have noticed that my information was used unlawfully by someone who took out credit cards in my name without my consent. My information was involved in the equifax data breach and my credit has suffered because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 have noticed that my information was used unlawfully by someone who took out credit cards in my name without my consent. My information was involved in the equifax data breach and my credit has suffered because of 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 2025-04-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate Address from Credit Report Dear Transunion I am writing to formally dispute and request the removal of inaccurate address information and Name listed on my credit report. Upon reviewing my report, I noticed the following address ( es ) are incorrectly associated with my file There should be one address reporting : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX IL XXXX Incorrect name being reported I have ( 1 ) name XXXX XXXX XXXX XXXX any other addresses and names are not accurate and do not belong to me. I have never resided at, or been associated with, these locations. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am requesting an investigation into this inaccurate information and the removal of any and all erroneous addresses that do not pertain to me.

Please find enclosed a copy of my current government-issued ID and a copy of my social security card for identity purposes I request that my credit file reflect only my correct and verified address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ] Please confirm in writing once this information has been corrected. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of Social Security Card Sincerly, 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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a Citi AAdvantage platinum Select world elite Mastercard and received a denial letter in the mail stating that I was currently enrolled in a payment arrangement program. This is false, all of my accounts are current and I have never been enrolled in any payment arrangement programs. This may have been for a card that I was an authorized user on but I was not and am not responsible for that account. Citi wrongly denied my application using false information that does not relate to me and my credit. The application ID is 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 2025-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed that my information was used unlawfully by someone who took out credit cards in my name without my consent. My information was involved in the equifax data breach and my credit has suffered because of 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
RE : Unauthorized Withdrawal of {$20000.00} from Citibank Debit Account To Whom It May Concern : I am writing to file a formal complaint against Citibank regarding an unauthorized withdrawal of over {$20000.00} from my debit account. As a Citibank Priority client, I expect a higher level of service and accountability, but my experience has been deeply disappointing.

Timeline of Events : XXXX XXXX, 2025 : Without any authorization or explanation, Citibank withdrew over {$20000.00} from my debit account. exact time withdrawn by citibank : XXXX XXXX, 2025 XXXX XXXX ET XXXX XXXX, 2025 ( XXXX XXXX CST ) : I called Citibank customer service and spoke with a representative named XXXX who was unable to resolve the issue. I was then transferred to his supervisor, XXXX, who acknowledged there was an error in Citibank 's back-end system. XXXX informed me that the issue would be escalated to their technical department with a resolution promised by Monday, XX/XX/year>2025. 

XXXX XXXX, 2025 ( XXXX XXXX EST ) : I called Citibank again as the issue remained unresolved. I encountered unprofessional service from two representatives with communication difficulties. The first representative was dismissive and claimed she couldn't understand me despite her own strong XXXX accent making communication difficult. After waiting approximately 5 minutes at XXXX ET, a male representative took over the call, also with significant communication barriers. When I requested his name and badge number for documentation purposes, he abruptly disconnected the call. 

Current Status and Impact : As of today, my {$20000.00} remains missing from my account. Citibank has acknowledged this is their error but has failed to take corrective action. This substantial financial loss has created significant hardship, as I am now unable to pay for scheduled roofing repairs on my home.

Previous Resolution Attempts : I have made multiple good-faith attempts to resolve this matter directly with Citibank through their customer service channels. Their representatives have admitted the error is on their end, yet no one has been able or willing to correct it. The combination of technical failures and poor customer service has left me with no choice but to seek regulatory intervention. 

I have documentation of all transactions and communications referenced in this complaint and can provide them upon request. also I have attached document about this transaction. 

Sincerely, XXXX XXXX email : XXXX cell phone : XXXX CITIBANK ACCOUNT NUMBER- last 4 digits only : XXXX CITIBANK Debit card number - last 4 digits only : 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 2025-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I got a lease with XXXX XXXXl. I was paying my minimum due every month. The website has 3 areas on what is due and what is not due. It kept saying I was current. Then I got reported to the credit bureau for being late so my credit score went down XXXX points or so. When I finally got ahold of their customer service reps, they AGREED their website is misleading ( it was recorded so it is on file ). I paid extra {$2000.00} to cover all state taxes on the lease and what they claimed were late fees. the misleading site still said I owed money. They said I didn't owe money on the monthly payments until XX/XX/XXXX since I over paid, but state taxes and late fees were still due. I asked why they didn't use the money I sent them to pay that and they said they would only do it if I called in... I have never heard of that in my life. XXXX wont correct the issue with the credit bureau illustrating their mistake, and they wont send me a letter that my account is 100 % up to date. Their website reflects payment transactions but not that my account is current in all 3 areas ( monthly payments, state taxes and late fees ). XXXX is deceptive, charges unknown late fees and doesn't correct the situation to keep charging them! Fraudulent activity in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
There was a XXXX XXXX taken out in my name during my time at XXXX  when I was under scholarship over 22 years ago. I left school in XXXX and went into public service. Now Im being charged for a XXXX XXXX  I never received 22 years later when I have been in the XXXX XXXX for 20 years. I feel im being discriminated and retaliated against because I recently had one of the loans removed that should have been removed during the COVID era because Im a XXXX. Ive reached out for information on how my account is still active after so long of a period of time and that it shouldve been removed years ago, but they just recently updated it to present time and attacked my credit score because on of the loans were removed and they kept one open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/year>2025, I submitted a complaint, detailing the struggle I've had with my XXXX XXXX creditors on two separate private student loans. This is attached.

I am submitting this follow-up complaint regarding two private student loans inaccurately reported on my Experian credit report.

In response to my prior complaint, the CFPB referred me to the XXXX Department XXXX XXXX XXXX XXXX XXXX Ombudsman XXXX. However, the Ombudsman XXXX own website clearly states that they do not assist with private student loans. The loans I am disputing are private, not federal. This referral misdirected me and delayed resolution. 

Additionally, I have disputed these accounts with Experian on two occasions : XX/XX/year>2025, and XX/XX/scrub> 2025. In both disputes, I submitted documentation showing : One loan does not have a promissory note. 

The other loan includes a promissory note that does not match the disbursed loan amount shown in the payment history. 

Despite this, Experian verified both accounts as accurate without addressing these discrepancies. This raises serious concerns that Experian failed to conduct a reasonable investigation, as required by the Fair Credit Reporting Act ( FCRA 611 ). 

I have attached the XX/XX/scrub> 2025 report and XX/XX/year>2025, reinvestigation report from Experian as evidence. I respectfully request that the CFPB review Experians handling of this matter, ensure compliance with federal law, and require corrective action to address the inaccurate reporting. 

Thank you for your continued attention.

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 2025-04-14 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the deletion of fraudulent accounts credit report. I have already filed a case with the Federal Trade Commission ( FTC ) and received an official report from the FTC, which verifies the fraudulent nature of these entries. I am enclosing a copy of the FTC report for your reference. Fraudulent information listed below. 

Accounts are. 

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 XXXXXX/XX/XXXX Status : Paid, Closed/Never late.

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 2025-04-14 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 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