vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-03 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: TX

Complaint narrative:
Today, XX/XX/year>, I called customer service and spoke to a rude customer service representative who never gave me her name. When I asked questions, every answer from her was rude and sarcastic. When I was done talking I hung up because I could not take the smart alloc remarks anymore. I then get a text message from her personal phone threatening me and threatening to compromise my account and steal my identity. If something does happen to my account, Elan financial is going to be legally responsible so this employee is a risk for you and needs to be removed and there needs to be safeguard measures put on my account indefinitely.

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 2025-09-03 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a c
onsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I disputed a {$720.00} debt with National Credit Systems and requested validation under FDCPA 809 ( b ). They received my letter XX/XX/year> ( certified mail ) but never provided validation. Despite this, on XX/XX/year>, they reported the account as a new collection to XXXX. Reporting a debt without validation violates FDCPA and FCRA. I have since filed an FTC Identity Theft Report and notified XXXX fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
Radius Global Solutions was previously notified that I never put any XXXX account into my name at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at the property, and I have not owned the property since XXXX. The charges are for XXXX, if you look at the attachment from my financial advisor and the information from the credit report that they provided, which is included in the attachment. 

I have not only never put any account into my name at the residence, but I have not owned the property since XXXX. This is fraud and identity theft. XXXX XXXX XXXX was notified about this previously in this format and has ignored this and actually smashed my credit, which is a way to do collections extortion on a debt that is not mine and could not be legitimately mine under any circumstances with this 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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi reduced my credit limit despite improving credit score ( XXXX ) and aggressive, proactive debt consolidation. This action increased my utilization artificially and damaged my credit profile. When I attempted to resolve through phone and chat, I was repeatedly transferred between representatives who admitted in writing they could not escalate. Citi refused to allow me to submit a secure message and required a physical letter, which creates unnecessary barriers. I am requesting restoration of my prior credit limit or a reasonable manual review.

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 2025-09-03 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: GA

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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} 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, 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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  : {$2100.00} 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, 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 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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX, I was on credit karma looking at the possibility of 0 % Intrest balance transfer through a new credit card. I had been on line in other places but credit karma kept popping up so I logged in. Citi bank had two card options, which were the best deal out of the bunch I was offered. Mainly they kept the 0 % interest longer than the other offers.

It said they had a deal curated specifically for me. I even took a screen capture of it. It said based on my credit score of XXXX they would give me up to a XXXX XXXX credit limit. Which was well over what I needed for the balance transfer for my other two cards. 

XXXX XXXX also guaranteed that I would get approved. 

So I applied. It took minutes. They said I was approved which I figured. 

Then they sent me my credit limit which wasnt even a XXXX of what the offered me. The credit limit was {$3000.00}. I needed {$30000.00} and they said they would give me {$51000.00}. 

So I called them and they gave me the run around. Told me they couldnt help me and I could wait 6 months to see if they could increase my credit limit and its not guaranteed to go up.

I told them if they dont help me out Im canceling this account.

I called 2 times and the second time I said I was canceling and the operator was rude to me. None of the people I spoke with were easy to understand to begin with but didnt show any want to help me out. I even asked to talk to the supervisor and they would not let me. So I cancelled the card before I even received it in the mail.

So I currently am going through other methods to debt consolidate and this credit hit from the Citi card with at worst just false advertising might be keeping me from getting a better interest rate on a home equity loan or even one at all.

Im pretty upset with this being everything I have going on now. I also talked to credit karma about this situation and said I had to talk to Citi bank about 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information that continues to appear on my credit report despite my repeated attempts to have it corrected with the credit bureaus. 

There are several accounts currently listed on my credit report that I have never opened or authorized. I have been a victim of identity theft in the past, and I strongly believe these accounts are the result of fraud. Unfortunately, the credit bureaus have failed to properly investigate and remove these fraudulent accounts, even after I submitted disputes and supporting documentation. 

The presence of these false accounts has caused significant harm to my creditworthiness and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report, yet these errors remain uncorrected. 

I am requesting that the CFPB assist in ensuring the credit bureaus XXXX XXXX  TransUnion, and XXXX XXXX XXXXonduct a thorough investigation and remove all fraudulent accounts that do not belong to me. I also request confirmation in writing once these corrections have been made. 

Please find attached copies of my disputes, identification documents, and any relevant correspondence I have already submitted to the credit bureaus. 

Thank you for your time and assistance in resolving this matter. 

Sincerely,

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 2025-09-03 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information that continues to appear on my credit report despite my repeated attempts to have it corrected with the credit bureaus. 

There are several accounts currently listed on my credit report that I have never opened or authorized. I have been a victim of identity theft in the past, and I strongly believe these accounts are the result of fraud. Unfortunately, the credit bureaus have failed to properly investigate and remove these fraudulent accounts, even after I submitted disputes and supporting documentation. 

The presence of these false accounts has caused significant harm to my creditworthiness and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report, yet these errors remain uncorrected. 

I am requesting that the CFPB assist in ensuring the credit bureaus ( XXXX XXXX, and Equifax ) conduct a thorough investigation and remove all fraudulent accounts that do not belong to me. I also request confirmation in writing once these corrections have been made. 

Please find attached copies of my disputes, identification documents, and any relevant correspondence I have already submitted to the credit bureaus. 

Thank you for your time and assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Ally Financial about my auto loan for a XXXX XXXX. 

Loan balance : approx. {$11000.00}. 
XXXX XXXX XXXX ( fair condition ) : {$5300.00} {$8800.00} ( average {$7000.00} ). 
Vehicle needs major repairs, lowering value further. 

I requested a settlement or early payoff that reflects the cars market value. Instead of discussing in good faith, Ally : Transferred me repeatedly between departments. 
Collections agents only demanded payment, refused to discuss settlement. 
Denied me a supervisor after multiple requests. 
Final rep, XXXX XXXX ( XXXXXXXX XXXX  XXXX ), spoke over me, refused escalation, and placed me on hold mid-conversation. 

This was unprofessional and unfair handling of a settlement request. I am not refusing to pay ; I am seeking a reasonable settlement based on market value and professional treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation