vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$850.00} - Date Opened XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} - Date Opened : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/2025 ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I made a down payment to a said taverna north XXXX XXXX collections out of state Florida .. they also got me with a company called ally Financial to finance the car only to realise they cant produce the XXXX or title to bank .. bank states to report to some sort of authorities so cancellation is made if Im able to resolve this these dealers wont rip me of monthly payments Pls help to get the auto bank to cancel this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX : TransUnion LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Unauthorized Credit Inquiry Dispute Dear TransUnion, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information. 
Details of the Inquiry : Creditor/Company Name : Capital One Date of Inquiry : XXXX inquiry was not authorized by me, and I did not apply for credit or services with this company. I contacted the company on XX/XX/XXXX, and they confirmed they have no record of an application from me. 
Please conduct a reinvestigation and remove this inquiry from my credit report if it can not be verified as authorized. 
Enclosed are copies of my credit report with the inquiry highlighted and any supporting documentation. 
Thank you for your prompt 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I was trying to buy a house and realized I had damages on my credit report. According to the 15 U.S.C. 1681 Law. There shouldnt be any damages on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> Chime charged me {$330.00} for a XXXX  service that I was ineligible to use and had a {$0.00} balance due. They received their last past due amount on XX/XX/year> in a total of {$360.00} plus {$2.00} service fee. I was last eligible in XX/XX/year> which was the last time I used the XXXX XXXX in the app. They refused to refund me my money, while knowing I didnt have a past due balance. They issued a reversal on XXXX Reimbursement in an Amount of {$360.00} for no reason. I never called to dispute anything in between the month of XX/XX/year> to current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX * * - Balance : {$4300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX * * - Balance : {$53000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX * * * - Balance : {$310.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * * - Balance : {$840.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  # XXXX * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX * * * * * * * * * * * - Balance : {$16000.00} - Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * - Balance : {$16000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I, XXXX XXXX, initiated a wire transfer in the amount of {$7700.00} USD to XXXX XXXX XXXX ( XXXX ) XXXX and XXXX via the beneficiary bank XXXX ( XXXX and XXXX ). XXXX informed me shortly after the money was never received. Thereafter I went into my bank, Truist Bank in XXXX, to request an explanation and a formal wire trace letter. I was told this can take several months. The response from the bank months later was a verbal response stating the beneficiary bank did not reply to there inquiries. I further pressed them that this was unsatisfactory and again I requested a formal trace on the wire transfer, which many weeks later was again given the same response. I have attached a copy of the letter which this time they gave 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
Consumer complaint received 2025-11-11 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:
Complaint Type : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Summary of Issue : My XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) was paid in full and closed in good standing in 2019. 
However, TransUnion and Experian continue to report a 30-day late payment from that same year.

Equifax correctly reports this account as Pays as agreed.

This inaccurate information has negatively affected my credit score and does not reflect my true payment history.

FCRA Violations : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer data.

FCRA 623 ( a ) ( 2 ) : Furnisher ( XXXX XXXX XXXX ) failed to update and correct inaccurate information after notification. 
FCRA 611 ( a ) : Failure by credit bureaus to properly reinvestigate and correct disputed data within the required 30-day window.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Type : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Summary of Issue : My XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) was paid in full and closed in good standing in 2019. 
However, TransUnion and Experian continue to report a 30-day late payment from that same year.

Equifax correctly reports this account as Pays as agreed.

This inaccurate information has negatively affected my credit score and does not reflect my true payment history.

FCRA Violations : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer data.

FCRA 623 ( a ) ( 2 ) : Furnisher ( XXXX XXXX XXXX ) failed to update and correct inaccurate information after notification. 
FCRA 611 ( a ) : Failure by credit bureaus to properly reinvestigate and correct disputed data within the required 30-day window.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for the Citi XXXX XXXX credit card by CitiBank on XX/XX/2025 via a link from an in-branch Citi Representative XXXX and was instantly approved and had a card sent out next day. 

After a few transactions, Citi placed a temporary block on my card on XX/XX/2025, stating a need to verify my income. 

I was sent a document that stated I had to fill out and complete IRS Form 4506-C and return it to Citi Bank via mail.

First Attempt : I sent CitiBank a filled out IRS Form 4506-C on XX/XX/2025. Citi rejected my form. 

Second Attempt : I called to inquire why my first Form 4506-C was rejected, and was informed via Citi Customer Support that it is because I had checked the box in line 7 of Form 4506-C. There were zero instructions from Citi that stated this was required.

I then asked the Citi Customer Support agent to help me fill out the form, and tripled checked with the woman on the phone that the only change I needed to make was to not check the box on line 7, and the Customer Support agent agreed multiple times. 

I sent CitiBank a filled out IRS Form 4506-C for the second time on XX/XX/2025. 

My second IRS Form 4506-C was rejected yet again because I was also " not supposed to check line 7b ''. The Customer Support Agent then told me to send the form in again ( for a third time ) with the correction of also not checking the box in line 7b, and extended the date I needed to send back the completed Form 4506-C by an additional 30 days.

However, after the 2nd form was incorrectly filled out, Citi closed all my accounts, despite me being told to submit Form 4506-C for a third time. 

They took my {$590.00} annual fee for a card I used all but a few times for less than a month, and then they also closed my Citi XXXX XXXX credit card that had tens of thousands of ThankYou points on it. 

Citi sent XXXX instructions on how to " properly '' fill out Form 4506-C ( because it's incorrect and will be rejected by Citi if you followed the IRS instructions on the back of the page ). Then they took my {$590.00} annual fee for a card I barely got to use. In addition, it is very clear their own Customer Service Agents do not know how Form 4506-C was supposed to be filled out either.

I have called Citi multiple times and they say they can not do anything about closed accounts.

Please help me escalate this if you are able to, thank you for all the work you guys do.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted disputes to the credit bureaus regarding an account that is inaccurately being reported on my credit file. I do not recognize or own this account, and it appears to have been reported in error. I also filed a complaint with the CFPB last month to escalate the matter, yet the account still appears on my credit report and no resolution has been provided. The bureaus have failed to properly investigate and correct this inaccurate information within the time frame required by the Fair Credit Reporting Act ( FCRA ). I am submitting new disputes today because the issue remains unresolved and continues to negatively impact 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted disputes to the credit bureaus regarding an account that is inaccurately being reported on my credit file. I do not recognize or own this account, and it appears to have been reported in error. I also filed a complaint with the CFPB last month to escalate the matter, yet the account still appears on my credit report and no resolution has been provided. The bureaus have failed to properly investigate and correct this inaccurate information within the time frame required by the Fair Credit Reporting Act ( FCRA ). I am submitting new disputes today because the issue remains unresolved and continues to negatively impact 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX * * * * * * - Balance : {$3100.00} - Date Opened : XX/XX/XXXX DISCOVERC # XXXX * * * * * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I am disputing a collection that Columbia Debt Recovery is reporting on my credit file for an apartment called The Turn in Arizona. I formally requested full debt validation under the Fair Debt Collection Practices Act ( 809 ( b ) ) and the Fair Credit Reporting Act ( 623 ). Specifically, I asked for an itemized list of all charges, receipts or invoices for any cleaning or repair costs, a move-out inspection report, and proof that the debt was legally assigned or transferred from The Turn Apartments to Columbia Debt Recovery , including the full chain of title.

The company admitted during my call that they do not have the move-out date, do not have a detailed itemized list of charges, and do not have full proof of assignment. They also stated they had previously mailed paperwork to an incorrect address and refused to resend it to my correct address or by email. Despite this, they continue to report the account to Experian and refuse to pause reporting or conduct a proper reinvestigation. 

This same account was previously reported by another collection agency ( XXXX XXXX XXXX and was deleted from my credit report. Columbia Debt Recovery has now reinserted the same debt with a new open date and balance, which appears to be an illegal re-aging of the account. Under Arizona law ( A.R.S. 33-1321 ( D ) ), landlords are required to send a final itemized accounting within 14 business days of move-out, but I never received one.

Because of this inaccurate and unverified reporting, I have been denied housing and am facing serious harm. I am requesting that the CFPB investigate Columbia Debt Recovery for failure to provide validation, failure to properly verify ownership and accuracy before reporting, and for potential re-aging and reinsertion violations under the FCRA.

Company response to consumer: Closed with explanation