vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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 late mark does not match my account documentation.

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 2025-12-08 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: OH

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit 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 2025-12-08 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:
I am a consumer trying to fix my credit, and I am disputing several items that TransUnion is currently reporting inaccurately. I am requesting a full reinvestigation as required by 15 U.S.C. 1681i and for TransUnion to ensure all data meets the standard of maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Any item that can not be fully verified with proper documentation must be corrected or deleted. 

INQUIRIES IN DISPUTE TRANSUNION These inquiries are appearing without my authorization or proper permissible purpose. 
If the furnishers can not provide documented proof of my consent, they must be deleted. 

XXXX XX/XX/year> XXXX XXXX XX/XX/year> LATE PAYMENTS IN DISPUTE TRANSUNION These late payments are being reported inaccurately. 
I am requesting full verification with complete payment records. 
If TransUnion or the furnishers can not validate these delinquencies, they must be removed. 

XXXX, Account ending XXXXXXXX XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX Account ending XXXXXXXX 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
This account is being reported inaccurately. I was never billed for this debt. I reached out to the property XX/XX/XXXX about severe damage that was caused by the above with no response from the property. Additionally, the charges are not valid, as the damages were caused by other tenants or the property itself. I am formally requesting deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-08 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: VA

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Issue : Credit card company incorrectly denied my fraud claim and refuses to remove unauthorized charges. 

Narrative : I am filing a complaint because Citibank has incorrectly denied my fraud claim for multiple unauthorized charges made in XXXX, XXXX on my Citicard. These charges were absolutely not made by me. 

My card was lost or stolen while I was in XXXX. I did not realize the card was missing for a long period because it was rarely used except for several automatic payments such as the XXXX XXXX XXXXXXXX and XXXX. When I first reported the fraud to Citi, I mistakenly believed I still had the physical card. 

I filed an FTC Identity Theft Report, confirming that these transactions were fraudulent. I also attempted to file a police report, but the New York Police Department informed me they could not take the report because the theft and fraud occurred outside their jurisdiction. 

Despite the FTC report and the clear evidence that I did not authorize these charges, Citi has ruled the transactions " not fraudulent '' and refuses to reverse them. I have made numerous phone calls to Citi representatives with no success. 



I have been a Citi customer for over 10 years and have never had an issue of this kind. I am simply asking for the protections afforded under the Fair Credit Billing 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
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I purchased an item from XXXX department store in XXXX and received the wrong item. I submitted a VISA credit card dispute via XXXX dispute process using their online system/mobile banking on same date ( XX/XX/year> ). Item charged amount by XXXX was {$99.00}. The USAA dispute tracker continuously indicated Awaiting merchant response over XXXX weeks. On XXXX XXXX, XXXX XXXX called XXXX corporate office and was able to have a woman in corporate complaints issue an immediate credit of {$25.00} to my USAA XXXX  as she could verify that Id received the wrong item. That credit was immediately posted to the XXXX account. On XX/XX/XXXX, USAA posted a message indicating/acknowledging the merchant credit and a credit charge to be applied as {$74.00}. XXXX titled XXXX XXXX To Be Reversed. There were actually XXXX notices posted by USAA on XX/XX/XXXX ; one indicating they did not have enough information to honor my dispute and that they actually adjusted/applied the credit! 
On XX/XX/year>, USAA posted XXXX charges of {$74.00} AND {$25.00} as Adjustemnt to Account. Subsequent calls to USAA resulted in very contentious responses from both representatives from XXXX and supposedly the XXXX office rep. Essentially they say I owe {$99.00} at this time and refused to acknowledge the merchant 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 2025-12-08 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: FL

Complaint narrative:
I found inquiries on my credit report that are not 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 non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The late payment information reported on several of my accounts appears to be incorrect. I did not receive notice of any missed payments, and the dates being reported do not match what I was provided by the companies. I am requesting verification of the late payments, including dates and supporting documentation. If the companies can not validate the accuracy of the information, I request that the late payments be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-08 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am writing to dispute 1 unauthorized Inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiry that I do not recognize or authorized : Disputed Inquiry 1 : XXXX XXXX XXXX XX/XX/year> XXXX Car Dealership. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I demand a prompt, thorough, and reasonable reinvestigation of each disputed inquiry.

Should you fail to obtain evidence of a proper permissible purpose and my express consent, you must immediately delete the unauthorized inquiries.

I require that you provide me with a written statement of the results of your investigation, a corrected copy of my credit report, and the contact information for the furnisher of the inquiry, all within the 30-day statutory period.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year> I made a purchase of {$780.00} at XXXX XXXX  XXXX XXXX  XXXX GA. I used a PayPal credit card that I opened because of promotional materials stating that any purchase of $ XXXX would be eligible for 6 months deferred interest. I was issued the billing statement on XX/XX/XXXX and this purchase is not in fact eligible because it was not made through the online platform of PayPal. When this card was marketed the information only states " when made with PayPal ''. I assumed that using a credit card from PayPal was making a purchase with PayPal. I have spoken to representatives and they have said they will open an investigation into this but that it will take up to two billing cycles, during which time interest will accrue on this purchase. I have been misled and would like for this company to publish their terms clearly and to extend this 6 month deferred interest offer to 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 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I visited the Wells Fargo branches in XXXX Points ( XXXX, AL ) and XXXX, and I keep being denied the ability to open a business checking account. The branch manager told me to pay for my XXXX again because they can not put special characters in the system, which makes no sense. Then I called the customer service number, and they said they could do it and go to the branch again. Today, they are saying the same thing and denying me once more. I told them XXXX other banks opened an account with no problem why couldn't they do it. No answer.

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 2025-12-08 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint because XXXXIntegra Credit is furnishing inaccurate and misleading information about my account to the credit reporting agencies. The reporting does not match the true status of the account and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 623 ( a ) ( 1 ) - ( 2 ). 

I am ACTIVELY making payments on this account, yet it is being reported as : Collection/Charge-Off Derogatory With comments stating payment after charge-off/collection With comments stating purchased by another lender With a {$0.00} balance, which conflicts with the derogatory status These comments and status codes are false and misleading. The account has NOT been charged off and is currently being paid. Reporting payment after charge-off and collection/charge-off is factually incorrect and creates a false derogatory impression. 
Additionally, several reporting fields are internally inconsistent across credit bureaus, including : Status vs. balance Comments vs. payment activity Dates of last activity and last payment Remarks indicating the account was sold but still showing active derogatory status These inconsistencies violate : FCRA 1681e ( b ) duty to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) prohibition on furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) duty to correct and update inaccurate information FCRA 623 ( a ) ( 3 ) prohibition on continuing to report derogatory information without proper basis I attempted to resolve this directly with the furnisher by submitting a formal direct dispute under FCRA 623, but the information remains inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I paid this collection in full. It is still reporting inaccurate future dates and harming my credit. Since the debt is satisfied, I am requesting deletion

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief