vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ).

My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

I would like to have these items removed from my credit report as soon as possible. Accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year> bal. {$580.00}. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items XXXX. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency.

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

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 2025-12-09 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: IN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain on my report. This lack of action is unacceptable. The continued presence of these potentially fraudulent entries is extremely concerning and raises serious questions about possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain numerous inaccuracies, conflicting entries, duplicate information, and inconsistent timelines that violate multiple provisions of the Fair Credit Reporting Act and have caused significant confusion and harm. Specifically, Experian is reporting incorrect and inconsistent XXXX Golf XXXX XXXX XXXX FL XXXX and XXXX XXXX Ct XXXX FL XXXX Equifax shows altered versions of these same addresses with different ZIP codes, and TransUnion lists unrelated addresses at XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX FL XXXX, none of which are accurate or currently associated with me. These address variations raise concerns under FCRA XXXX ( b ) regarding the bureaus obligation to maintain maximum accuracy, and I am requesting their removal. In addition, multiple accounts contain conflicting timelines across bureaus : for my Apple Card/GS Bank account ( XXXX, {$7600.00} balance ), Experian reports XXXX Date of Last Activity of XX/XX/XXXX with a Date Reported of XX/XX/XXXX, while Equifax lists XXXX Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, creating contradictory versions of the same account in violation of FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX account ( {$12000.00} ) also shows different Dates of Last Activity across all three bureausExperian stating XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion XXXX well as differing reporting dates, which misrepresents the accounts history and fails to comply with FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency. XXXX Bank XXXX XXXX account ( {$4600.00} ) is similarly misreported, with Experian listing a Date of Last Activity of XX/XX/XXXX and TransUnion XXXX XX/XX/XXXX, despite both reporting the same balance, again showing inconsistencies that distort my credit profile. My XXXX XXXX account ( {$4000.00} ) includes conflicting Dates of Last XXXX on Experian and XX/XX/XXXX on XXXX should not display contradictory timelines if the data were accurately maintained. The most alarming issue is with TGTRELLIS Account XXXX, which appears only on Equifax and in XXXX conflicting versions : XXXX listing a balance of {$1900.00} with late XXXX marks, and another listing a different balance of {$2700.00} with a different date opened, both with identical Dates of Last Activity and reporting dates despite no verification of this account on Experian or TransUnion. These duplications and discrepancies strongly suggest inaccurate, unverified, or improperly merged information, violating FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 5 ), and 605 ( a ) concerning obsolete or unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain numerous inaccuracies, conflicting entries, duplicate information, and inconsistent timelines that violate multiple provisions of the Fair Credit Reporting Act and have caused significant confusion and harm. Specifically, Experian is reporting incorrect and inconsistent XXXX Golf XXXX XXXX XXXX FL XXXX and XXXX XXXX Ct XXXX FL XXXX Equifax shows altered versions of these same addresses with different ZIP codes, and TransUnion lists unrelated addresses at XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX FL XXXX, none of which are accurate or currently associated with me. These address variations raise concerns under FCRA XXXX ( b ) regarding the bureaus obligation to maintain maximum accuracy, and I am requesting their removal. In addition, multiple accounts contain conflicting timelines across bureaus : for my Apple Card/GS Bank account ( XXXX, {$7600.00} balance ), Experian reports XXXX Date of Last Activity of XX/XX/XXXX with a Date Reported of XX/XX/XXXX, while Equifax lists XXXX Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, creating contradictory versions of the same account in violation of FCRA 623 ( a ) ( 1 ) ( A ). My XXXX XXXX account ( {$12000.00} ) also shows different Dates of Last Activity across all three bureausExperian stating XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion XXXX well as differing reporting dates, which misrepresents the accounts history and fails to comply with FCRA 623 ( a ) ( 5 ) requiring accurate reporting of the Date of First Delinquency. XXXX Bank XXXX XXXX account ( {$4600.00} ) is similarly misreported, with Experian listing a Date of Last Activity of XX/XX/XXXX and TransUnion XXXX XX/XX/XXXX, despite both reporting the same balance, again showing inconsistencies that distort my credit profile. My XXXX XXXX account ( {$4000.00} ) includes conflicting Dates of Last XXXX on Experian and XX/XX/XXXX on XXXX should not display contradictory timelines if the data were accurately maintained. The most alarming issue is with TGTRELLIS Account XXXX, which appears only on Equifax and in XXXX conflicting versions : XXXX listing a balance of {$1900.00} with late XXXX marks, and another listing a different balance of {$2700.00} with a different date opened, both with identical Dates of Last Activity and reporting dates despite no verification of this account on Experian or TransUnion. These duplications and discrepancies strongly suggest inaccurate, unverified, or improperly merged information, violating FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 5 ), and 605 ( a ) concerning obsolete or unverifiable 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 non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute the reporting of my XXXX XXXX XXXX account ( Account Number XXXX ), which continues to show inaccurate late-payment information across Experian, Equifax, and TransUnion. I previously submitted a dispute regarding this same account, but I am extremely frustrated to see that the discrepancies in reporting have not been corrected, and the account still reflects conflicting last activity dates and late payment months. This ongoing inaccuracy has caused significant concern, as it continues to negatively impact my creditworthiness and misrepresents my payment history. I am requesting an immediate reinvestigation and correction of this account under the protections provided by the Fair Credit Reporting Act ( FCRA 611 ), which guarantees the right to dispute inaccurate information and require a reasonable reinvestigation, as well as FCRA 623 ( a ) ( 2 ), which obligates furnishers to correct and update any inaccurate information. 
The specific inconsistencies are as follows : Experian lists the account with a last activity date of XX/XX/XXXX, with late XXXX payments reported for XXXX XXXX and XXXX XX/XX/XXXX. Equifax reports the same account with a last activity date of XX/XX/XXXX, and the same months as late. TransUnion also reports the account with a last activity date of XX/XX/XXXX, again showing XXXX XXXX and XXXX XXXX as XXXX delinquencies. 
These discrepancies in last activity dates, while maintaining identical reported late months, create an inaccurate and confusing record of my account history. Reporting conflicting dates across multiple credit bureaus directly violates the requirement for maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( s ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. TRANSWORLD SYSTEMS INC is being reported as the original creditor, which is false. I have never opened an account with TRANSWORLD SYSTEMS INC and you are not the original creditor for this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : 1 ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report 2 ) Correction/Deletion : Because TRANSWORLD SYSTEMS INC is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies PRA as the original creditor is inaccurate and must be removed.

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within 30 days of receiving this letter, you must delete the tradeline from all credit reporting agencies.

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Bought {$16.00} goods from XXXX, paid using XXXX channel and Citi credti card. 
Citi charged {$10.00} cash advance fee for this online purchase transaction. 
Called Citi, Citi promised to give refund once the {$10.00} fee posted. 
Today it was posted, I called Citi and asked them to refund the {$10.00} fee. 
Citi refused to honor their own promise.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Research Inc
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by XXXX  and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * Central Research INC Account XXXX Reports Over XXXX  days late, including XXXX, XXXX, XXXX  Days late in XXXX, although Last Payment shows XX/XX/XXXX, making the aging timeline mathematically impossible. 
Reports student loan status with disaster codes, despite no proof provided of disaster assistance application. 
Past due fluctuates without payment, which is inconsistent with static principal balance. 

* Central Research INC Account XXXX Reporting XXXX and XXXX  day delinquencies, despite Last Payment date XX/XX/XXXX, creating the same chronological and mathematical impossibility. 
Past due increases but no payment activity, which is inaccurate reporting under XXXX XXXX guidance. 
Reporting Account resolved/ Previously in dispute codes while still reporting negative history referencing resolution. 

DUPLICATE REPORTING ON XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
I was notified of an online transfer into my business account on XX/XX/year>. My account reflected an electronic transfer of {$41000.00} on hold. Within two hours I was notified that the hold was released and funds were available. I transferred balance to my savings account. The next morning XX/XX/year> I received an email saying my debit card was reported lost/stolen. When I tried to login to my mobile banking it said my password was invalid and my account was locked. When called I. To find out what was going on, I was placed on hold and transferred to asset protection. I was asked many questions as to who, and how much and why pertaining to the deposit. I was also told that it was not an extrinsic transfer, but that it was a check deposited in person at a local branch. I was then told that my account was on hold and would be clear after ten days and any additional information needed to be referred to my home branch. 

I called my branch and spoke with the manger who told me that the check was not deposited in person that it was sent through the US Mail and received by the branch. She told me it was very obviously a forged check and had already come back to them as a bad check. This was 3 days after my first conversation with them. XX/XX/year>. My first question was then why did they deposit if it was obviously bad, and second why did they release the hold and why was it showing as an ACH deposit if it was a paper check. None of which were answered. I was told that their fraud dept would be reaching out to me regarding this matter. 

No one has contacted me regarding this. When I have tried to call I get told to leave a message in which no one calls me back. When I have left secure inbox messages through my account and they locked my messages. 

However, I am showing a balance in my account of over {$41000.00}, just not available. For the past two months I have received a credit in my account for interest on the {$41000.00} balance. And it shows the credit amount as available balance, yet I am unable to perform any transactions on my account. 

If this is a fraudulent check deposited then why is it still in my account as a balance? Why am I being paid interest? And if it is in my account when do they remove the hold? No one will talk to me about it, no one will show me any kind of documentation supporting their claims, but they still maintain the balance in my accounts. 

This is affecting many aspect of my financial world. For states I can not use my accounts at all, not just for this, but they locked my business account, my personal checking and my savings. Secondly, if its a bad check, remove it, if not unlock it. Im not understanding the contradiction in behaviors

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 2025-12-09 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXX/XX/XXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX, XXXX, XXXX I booked three international airline tickets through the American Express Travel portal. The booking interface failed to disclose a mandatory transit visa requirement applicable to my nationality, despite Amex Travel displaying such visa warnings for other airlines and routings. 

I discovered the requirement independently after booking and before the travel date, and I promptly canceled the tickets. The tickets were unusable due solely to this material omission at the point of sale. 

I raised a dispute against American Express Travel as the booking intermediary. American Express improperly evaluated the issue as an airline fare dispute and denied the chargeback based exclusively on airline non-refundability rules, without addressing whether Amex Travel failed to disclose a material travel restriction. 

American Express has refused to provide any evidence that the visa requirement was disclosed during my booking session. 

This constitutes unfair and deceptive business practices, negligent omission of material information, and improper dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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