vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my TransUnion credit report. I am working to improve my credit, and I respectfully request that the following items be reviewed and corrected in compliance with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the following charged-off accounts due to incorrect reporting and lack of proper validation : XXXX XXXX XXXX Acct XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Acct # XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$0.00} Bankruptcy Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} I request that these accounts be properly validated or removed if they can not be verified. 

Inquiries I dispute the following inquiry as it was unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify that these inquiries were authorized or remove them from my report. 

Late Payments I dispute the late payment reporting on the following account : XXXX XXXX Acct # XXXX This late payment does not accurately reflect my payment history.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am currently serving on XXXX XXXX in the XXXX XXXX  XXXX XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my XXXX service and were not properly adjusted in accordance with the XXXX XXXX XXXX XXXX ( XXXX ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a XXXX % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Easier Funding, LLC
State: PA

Complaint narrative:
I was calling around to help my credit. I called a few places this one seem promising. But during the time, they put a false claim about school loans saying my identity was stolen. I never told them to do so, they also put a XXXX point guarantee in XXXX days which never happened, and they're still trying to take money from me, I asked for my file which they done on me, they won't give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am a consumer who is actively working to repair my credit. I am filing this complaint regarding inaccurate and/or unverified information Experian is reporting on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure that all reported information is complete, accurate, and properly verified.

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute due to inaccuracies in account status, balances, dates, and lack of proper verification : XXXX XXXX XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$36000.00} XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$600.00} XXXX Acct XXXX XXXXXXXX XXXX opened XX/XX/XXXX, balance {$270.00} XXXX dispute the accuracy, ownership, balances, and charge-off status of these accounts. Experian has not provided documentation demonstrating that these accounts were properly verified, including original agreements and complete payment histories. 

Hard Inquiries Experian is reporting multiple inquiries that I do not recognize and did not authorize, including but not limited to XXXX XXXX XXXX  ( XX/XX/XXXX duplicated ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute these inquiries and request Experian provide proof of permissible purpose under FCRA 604. Any inquiry that can not be fully verified must be removed.

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 2025-12-15 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citibank savings account under a promotion requiring a {$30000.00} deposit for 45 days to earn a {$750.00} bonus. I transferred {$30000.00} from my XXXX XXXX Bank account to Citibank. After completing the required XXXX days, on approximately day XXXX, I attempted to withdraw my funds. I was able to transfer {$25000.00} out, but Citibank then froze my account and disabled access. 
When I contacted Citibank, they claimed the funds from XXXX XXXX Bank did not originate from my account and closed the account for suspected fraud. This is incorrect the XXXX XXXX account belongs to me, and I offered to provide verification letters and monthly statements, which Citibank refused to review. 
Citibank had no issue opening the account or holding my funds for XXXX days, but only raised this issue when I attempted to withdraw. Initially, they stated I would receive the remaining balance ( {$5700.00} ) by check. Later, they told me to request a recall from XXXX XXXX Bank, which XXXX XXXX confirmed was impossible since more than 60 days had passed. 
I have repeatedly contacted Citibank, but each time I am transferred to multiple representatives without resolution. I have requested escalation several times, but I am only told someone will call me back within XXXX hours, which never happens. Most recently, I was told I will not receive any check and that there is no resolution. 
It has now been over XXXX  days since Citibank froze my account, and they continue to hold my funds without providing access or resolution. I request immediate release of my funds and the promotional bonus, or a clear explanation of the disposition of my money. 

I even attached the account verification letter from live oak to prove that the account is mine.

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 2025-12-15 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: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-15 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My husband bought a Macys gift card for {$150.00} for me on XX/XX/XXXX. When I went to the store to use it on XX/XX/XXXX, there was no money left on the card. The cashier attempted to remove the scratch-off to try to enter the numbers, but the scratch-off was very hard to remove. She sent me to customer service. The customer service employees removed the rest of the scratch-off and were able to determine the gift card number. They stated that their system indicated two transactions on XX/XX/XXXX. They said their gift cards had been tampered with at the manufacturing facility and this was probably one of those cards. 

We never used the card. They said they knew that because we could not have determined the numbers since the scratch-off was never removed. We filed a fraud claim on XX/XX/XXXX. I was told that in XXXX to 10 days I would receive an email. I never did receive an email. 

On XX/XX/XXXX, I went to the store to check. They called the XXXX number and were told it was being processed and could take 30 to 60 days. 

On XX/XX/XXXX, I went to the store to check again and was told there was nothing they could do. I had to call customer service. I called customer service and they told me the case had been closed because it was listed as a lost card. I said I never filed as a lost card and I have the card in my possession. They had me file another claim and said to wait 7 to 10 days. 

on XX/XX/XXXX, I called gift card customer service who told me I had to wait XXXX to 60 days. I said that was not acceptable as I have been waiting for 6 months. I asked to speak to a supervisor. I was put on hold for XXXX hour and XXXX minutes and then they hung up.

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 2025-12-15 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AR

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 2025-12-15 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-15 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-15 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I am submitting this complaint regarding a privacy and data-handling failure involving my personal loan serviced by Achieve XXXX  XXXX XXXX XXXX, with involvement by Freedom Financial Network XXXX XXXX, and XXXX XXXX Bank as the originating and/or supervising financial institution. 

In XXXX, I received sensitive financial documents from Achieve XXXX that were mailed in an unsealed envelope, exposing my nonpublic personal information to unauthorized access. This constitutes a failure to safeguard consumer data and a violation of federal privacy obligations. 

As a direct result of this incident, I was forced to close my bank account to protect my financial security. This caused disruption including delays in payroll deposits, updating multiple vendors and automatic payments, and administrative burden related to restoring financial stability. 

I notified the involved parties in writing and requested a formal response addressing the privacy breach. Despite receiving notice, the companies failed to provide a substantive written response addressing the breach or corrective measures taken.

Company response to consumer: Closed with explanation