vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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 am disputing multiple inaccuracies on my credit report. These include accounts I have no knowledge of, false late payments, charge-offs, collections, and unauthorized inquiries. 
Disputed Items : XXXX XXXX XXXXXXXX XXXX {$2200.00} XX/XX/XXXX I never opened or authorized this account. 
TEXAS XXXX XXXX XXXX * Late Payment {$1800.00} XX/XX/XXXX Reported late payments are false. 
XXXX XXXX XXXX * XXXX XXXX {$64000.00} XX/XX/XXXX Payments were made on time. 
XXXX XXXX XXXX Collection {$1000.00} XX/XX/XXXX I have no knowledge of this account. 
Unauthorized Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX AUTO ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ODE ( XX/XX/XXXX ) I did not authorize these inquiries. 
These items are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). I request that CFPB take action to ensure these errors are corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I took out students loans in the XXXX 's and apparently, XXXX of them has been in default for decades. I was contacted by the XXXX XXXX XXXX and entered into a rehabilitation program, which I am current with. However, recently the loan was reported to all three credit reporting agencies as a collection account/defaulted loan. The Department of Education generally can not re-report the old default itself on my credit reports after the XXXX negative credit reporting period has expired ( under both the Fair Credit Reporting Act and specific federal student loan rules in the Higher Education Act ). For federal student loans, defaults and related negative information are limited to 7 years from the date the default was first reported ( or certain other triggers, like rehabilitation or full repayment ). Once that XXXX window passes -- which it has after 37 years -- the old default must be removed and can not be re-added just because I later entered a repayment, rehabilitation program. This is a special rule for federal student loans under : ( 20 U.S.C. 1080a and 1087e ).

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 2025-11-21 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Issue : XXXX item accepted, refund never issued. XXXX instructed me to close dispute. Card issuer mishandled dispute and charged improper interest. 

What happened : I am filing this complaint because XXXX failed to issue a refund for a returned item and instructed me to close my dispute. Citi then mishandled the dispute and charged me interest I should not have owed. 

I mailed my return to XXXX on XX/XX/year>, and it was delivered on XX/XX/year>. Despite multiple attempts to contact them, they never provided an update. Because of the lack of response, I opened a dispute with Citi. 

On XX/XX/XXXX, XXXX contacted XXXX. On XX/XX/XXXX, I received an email from XXXX confirming my return had been processed and that a refund would be issued. Relying on this confirmation, I closed the dispute. 

XXXX weeks passed with no refund. When I noticed an interest charge on the disputed amount, I contacted Citi and was told the provisional credit had been reversed, resulting in a remaining balance of {$91.00} plus interest. I ultimately had to pay {$94.00} total on XX/XX/year>. 

When I contacted XXXX again, I was told they would not issue the refund because the charge had been disputed, even though I had already cancelled the dispute at their direction. I was repeatedly told someone from billing would follow up, but no one ever did. 

During another call, XXXX told me the refund had been issued, yet I have never received any refund. When I contacted Citi again on XX/XX/year>, I was informed that XXXX likely instructed me to close the dispute because they did not intend to issue the refund in the first place. 

As of today, I am left with : No product ( the return was accepted ), No refund despite written confirmation, {$94.00} paid out-of-pocket, including improper interest, And no ability to reopen the original dispute through Citi. 

This situation has caused direct financial harm and appears to involve unfair and deceptive practices by both GlassesUSA and Citis dispute process.

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 2025-11-21 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: CA

Complaint narrative:
Dear Experian, I am disputing the information reported on my credit report for the following accounts. I request that you investigate these accounts under the Fair Credit Reporting Act and provide me with the results of your findings. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} This account is inaccurately reported as charged off. Please verify the account status and make any necessary corrections. 

XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please review this account for accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX request that you verify and correct this account information as needed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is showing a charged off status. Please verify and adjust the reporting as necessary. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please confirm and correct the status of this account if incorrect. 

Late Payments XXXX Account Number : XXXX The payment history shows late payments that are inaccurate. Please verify and correct. 

XXXX Account XXXX : XXXX Please investigate and provide verification regarding the late payment status. 

XXXX XXXX  Account Number : XXXX Please confirm the status of this account and correct any erroneous late payment information. 

Inquiries XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my consent, and I request it be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
TO WHOM IT XXXX CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : XXXX XXXX  LLC - XXXX - Under 15 USC 1692g. Validation of debt. - Please delete immediately. 
I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT XXXX NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY XXXX AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors XXXX also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-21 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: RI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I respectfully submit this letter as my formal dispute of the accounts listed. I have no relationship to them and did not authorize their establishment. Please remove and review accordingly. Documentation is attached.

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 2025-11-21 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: NJ

Complaint narrative:
I am absolutely frustrated with the continued inaccurate reporting of a late payment entry on my credit report for XXXX XXXX ( account number : XXXX ). Despite my previous disputes, the issue remains unresolved, and its becoming increasingly intolerable. The late payment was originally reported in XX/XX/year>, but upon reviewing my most recent credit report, I discovered that a new late payment has been listed for " XX/XX/year>, '' a date that was never reported before. This is completely false! I have NEVER been late on this account, and I have not received a single letter from TransUnion confirming that this issue has been fixed. This is a clear violation of my rights under 15 U.S.C. 1681i ( a ) because my previous dispute was not properly investigated. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and the repeated errors on my file are damaging my creditworthiness and hindering my ability to secure financial opportunities. This is my SECOND attempt to resolve this issue through the CFPB. I initially submitted a complaint last month asking for your help, but the issue remains unresolved. Also, I have submitted an FTC to ask for their help, I was not able to file a complaint last month because their operation was shut down. Also, I have filed PA Attorney General for this issue since FTC was shut down before. Now, I am reaching out again, hoping that the CFPB will provide the guidance and assistance necessary to compel TransUnion to correct these inaccuracies. TransUnions failure to address this issue promptly is unacceptable, and I demand that they remove the inaccurate late payment entry and update the account to reflect Paid as Agreed or OK. This is the only correct status, as I have never been late on this account, and I expect a full reinvestigation as required under 15 U.S.C. 1681e ( b ). If this matter is not resolved within 30 days of receiving this complaint, I will have no choice but to escalate this issue to federal regulators and take legal action under 15 U.S.C. section 1681n ( willful noncompliance ) and 15 U.S.C. section 1681o ( negligent noncompliance ). This may result in statutory damages, actual damages, punitive damages, and legal fees. I expect immediate attention and resolution 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending this because Experian, Equifax, and TransUnion are reporting multiple charge-off accounts that are NOT mine. These accounts are hurting my credit and are clearly errors due to file mixing, wrong-person reporting, and inconsistent Metro 2 data. 

XXXX XXXX XXXX from XXXX to XX/XX/XXXX. NOT MINE. Belongs to someone with a similar name. 

XXXX XXXX XXXX Charge-off from XXXX XXXX XXXX XXXXXX/XX/XXXX. Different balances across bureaus : {$7400.00} on TransUnion, {$7300.00} on Experian, missing on Equifax. NOT MINE. 

XXXX XXXX XXXX XXXX XXXX  Charge-off. NOT MINE. Belongs to someone with a similar name. 

XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX. Voluntarily surrendered. 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this because Experian, Equifax, and TransUnion are reporting multiple charge-off accounts that are NOT mine. These accounts are hurting my credit and are clearly errors due to file mixing, wrong-person reporting, and inconsistent Metro 2 data. 

XXXX XXXX XXXX from XXXX to XX/XX/XXXX. NOT MINE. Belongs to someone with a similar name. 

XXXX XXXX XXXX Charge-off from XXXX XXXX XXXX XXXXXX/XX/XXXX. Different balances across bureaus : {$7400.00} on TransUnion, {$7300.00} on Experian, missing on Equifax. NOT MINE. 

XXXX XXXX XXXX XXXX XXXX  Charge-off. NOT MINE. Belongs to someone with a similar name. 

XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX. Voluntarily surrendered. NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
FYI - My wife has opened a related case that does not include my issue below : Our primary checking account is from Ally Bank. We noticed fraudulent activity approx. 3 weeks ago and found the charges had been occurring for several months. We had around {$12000.00} stolen from our account. We reported the fraudulent activity to the bank after determining that my wife 's debit card information had been stolen. Our account was left with a negative balance of just over {$1000.00}. Upon opening the case, we were told the investigation would take 10 business days to complete and for the funds to be returned. A few days later were provided with around {$300.00} in credits which brought the account to around negative {$700.00} and were told that our account would not be charged for overdraft fees due to the circumstances. We called back after 11 business days and were told that the investigation had just been assigned to an investigator and would likely take another month to complete. Today, XXXX, 2025, I received my salary payment and the account was brought back into the positive, around {$3000.00}. I attempted to make a debit card purchase but my transaction was declined. I called Ally and was told that my card was restricted due to the negative balance. They removed the restriction and I attempted to make the purchase again, but was declined again. I was told that my checking account is currently restricted due to the ongoing investigation, and that the only way to lift the restriction was to have my wife call. We are legally married and the account is a joint-account with my name included. I can not access my funds because my wife 's debit card was compromised. This is unacceptable as it has been nearly 3 weeks since we reported the fraudulent activity and this restriction on the checking account is preventing me from buying food or paying the bills that have been ignored while we wait for our funds to be returned. 

Note that it has been approx 3 weeks since reporting approx {$12000.00} stolen funds, we have yet to receive the funds which were stolen, and I can not access the funds in my checking account.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief