vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
have noticed three hard inquiries on my Equifax credit report from XXXX ( XXXX XXXX XXXX XXXX ) that I did not authorize or recognize. These inquiries are : XXXX, dated XX/XX/year> XXXX, dated XX/XX/scrub>XXXX XXXXXXXX, dated XX/XX/year> I previously did not dispute these inquiries directly with Equifax. I am requesting CFPB assistance to have these unauthorized inquiries removed from my Equifax credit report. I expect written confirmation once these inquiries have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-27 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:
Multiple credit reporting agencies ( Experian, TransUnion, and XXXX  ) have reinserted previously deleted accounts furnished by XXXX XXXX without proper notice or certification, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Key facts : These accounts were deleted after disputes while they were reporting as OPEN After reinsertion, the same accounts are now reporting as CLOSED on some bureaus Despite being reported as closed, XXXX is issuing billing statements and future payment due dates, creating contradictory reporting Reinsertion occurred without advance notice or documented certification Discover repeatedly claimed authorization was required, even after a signed authorization was submitted Bureaus accepted and published reinsertion data without ensuring reinsertion compliance or accuracy This has resulted in : Inconsistent account status across bureaus ( open vs. closed ) Conflicting consumer disclosures ( closed accounts with active billing ) Failure to maintain maximum possible accuracy Improper reinsertion after 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 non-monetary relief
Consumer complaint received 2025-12-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
I am the victim of ongoing identity theft and have filed an FTC Identity Theft Report and a police report documenting fraudulent accounts on my credit file. 

TransUnion continues to report and update identity-theft-related accounts on my consumer file. Because I am blocked from accessing my TransUnion report directly through TransUnions website, I can only view TransUnion-reported information through third-party services, including XXXX XXXX 

The following TransUnion-reported accounts, as displayed via XXXX XXXX , are fraudulent and the result of identity theft : Perpay installment account, reported balance approximately {$560.00} ( missed payment, 60 days late ) XXXX XXXX XXXX account, reported balance approximately {$29.00} ( missed payment, 30 days late ) The XXXX ( formerly XXXX XXXX ) XXXX collection, reported balance approximately {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX reported balance approximately {$1100.00} XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ) utility collection, reported balance approximately {$890.00} I did not open, authorize, sign for, reside at, enroll in, or receive services related to any of the above accounts. 

Despite blocking my direct access to my TransUnion consumer report, TransUnion continues to report, update, and reinsert these identity-theft-related accounts, including accounts that were previously removed after being identified as fraud. Because I am forced to rely on third-party platforms to view and dispute TransUnion data, my ability to meaningfully review my full file, dispute inaccuracies, and monitor reinsertion has been materially interfered with. 

I believe this conduct violates TransUnions obligations under the Fair Credit Reporting Act, including but not limited to the duty to provide consumers access to their files and a meaningful ability to dispute inaccurate or identity-theft-related information.

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 2025-12-26 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am reporting a fraudulent international charge on my American Express card for {$4100.00} that American Express is improperly holding me responsible for, despite clear evidence the transaction was unauthorized under the Truth in Lending Act ( Regulation Z ). 
While traveling in XXXX, XXXX, I handed my American Express card to a waiter for routine meal charge. He returned and told me the card was declined. I then paid the legitimate bill using my XXXX card for {$85.00}. I never approved, signed for, or saw any transaction for {$4100.00}, nor did I receive goods or services for such amount. 
When I received my Amex statement, I discovered a {$4100.00} charge from that same merchant. This was an unauthorized transaction. Amex initially opened a dispute, but then closed it after the merchant falsely claimed the charge was valid. I was not shown any legitimate evidence such as a signature, PIN entry, or a card-present authorization that matches my involvement. Amex refuses to acknowledge that the legitimate transaction was already processed on my XXXX card and that the {$4100.00} charge could not have been possibly authorized by me. 

I have made it clear to AMEX that I : Never approved the {$4100.00} transaction Never signed or entered a PIN Never saw the receipt Already paid the legitimate bill with another card Under Regulation Z, I am not liable for unauthorized credit card charges. American Express is improperly assigning liability to me, contrary to federal law. They have refused to provide evidence supporting the charge and have refused to reopen the dispute despite new information. 

I am requesting that the CFPB require American Express to : Reopen the fraud investigation under Regulation Z Provide all documentation they used to deny the dispute Remove the fraudulent {$4100.00} charge Confirm that I will not be held liable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
NOTICE OF INTENT TO SUE TransUnion LLC FCRA, Illegal Reinsertion & XXXX XXXX Violations To : TransUnion LLC Consumer Dispute Department Re : XXXX XXXX account Illegal reinsertion and inaccurate reporting Account : XXXX XXXX ( account ending XXXX XXXX XXXX XXXX  ) This letter serves as formal notice of my intent to pursue legal action against TransUnion LLC for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), arising from the illegal reinsertion and continued reporting of a XXXX XXXX account on my TransUnion credit report. 

XXXX XXXX  The XXXX XXXX account at issue was previously disputed and deleted during prior credit reporting activity. Despite this deletion, TransUnion has reinserted and is currently reporting the same negative account, including charge-off status, past-due balance, and payment history. 

TransUnion failed to provide any written notice of reinsertion, failed to disclose any certification of accuracy from the furnisher, and failed to comply with statutory reinsertion safeguards required by federal law. 

STATUTORY VIOLATIONS TransUnions conduct constitutes multiple violations of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of previously deleted information without certification of accuracy and without required consumer notice 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) & ( a ) ( 2 ) Failure to conduct a lawful reinvestigation and failure to properly notify the furnisher 15 U.S.C. 1681g ( a ) ( 1 ) Failure to clearly disclose the sources and accuracy of information upon request METRO 2 / DATA INTEGRITY VIOLATIONS TransUnion is reporting data that is inconsistent, inaccurate, and non-compliant with Metro 2 standards, including but not limited to : Reporting a balance ( {$3500.00} ) exceeding the original credit limit ( {$3000.00} ) Reporting past-due amounts equal to the full balance without proper status alignment Inconsistent charge-off status, high balance, and payment history Failure to maintain logical consistency across required Metro 2 fields ( e.g., Account Status, Current Balance, Credit Limit, Past Due Amount ) These inconsistencies violate Metro 2 data integrity requirements and further demonstrate a lack of reasonable procedures as required under 1681e ( b ).

DAMAGES As a direct result of TransUnions violations, I have suffered : Credit score suppression Artificially inflated utilization Denials and less favorable credit terms Emotional distress and time lost correcting inaccurate 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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed two hard inquiries on my TransUnion credit report that I did not authorize or recognize. These inquiries are : XXXX XXXX XXXX dated XX/XX/scrub>XXXX XXXX XXXX Bank, dated XX/XX/year> I previously did not dispute these inquiries directly with TransUnion. I am requesting CFPB assistance to have these unauthorized inquiries removed from my TransUnion credit report. I expect written confirmation once these inquiries have been 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate and unlawful collection account being reported by PRO COLLECT in the amount of {$840.00}. 

This alleged debt stems from an apartment I occupied in 2023 that was not move in ready and had severe habitability issues throughout my tenancy. The unit had ongoing mold issues that management failed to properly remediate. Instead of correcting the problem, management painted over mold and ignored repeated concerns. The conditions became so severe that I fainted inside the unit during the summer due to the environment. 

Prior to moving out, I spoke directly with the property manager and fully explained the situation. I was explicitly told that if I vacated the unit before the scheduled court date, I would not be charged, sued, or sent to collections. At that time, the property was already losing multiple court cases due to widespread habitability violations affecting many tenants. 

I vacated the unit on the Friday prior to the Monday court date. I attempted to return my keys that same day, but the leasing office was closed early. I returned the keys the following business day. Despite complying with management instructions and vacating as agreed, the account was later sent to collections. 

I never received a court judgment, final account statement, or lawful notice authorizing this balance. I also never agreed to any charges after vacating the property, nor did I sign any agreement permitting a third party collection agency to report this alleged debt. 

PRO COLLECT is now reporting this account without providing proof of a valid debt, proof of contractual obligation, or proof that the amount reported is accurate. Reporting a collection under these circumstances is misleading and materially inaccurate. 

This reporting violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) which requires furnishers to report information with maximum possible accuracy 15 U.S.C. 1681s 2 ( a ) which prohibits reporting information known to be inaccurate or misleading Additionally, attempting to collect or report a balance arising from uninhabitable living conditions and false assurances by property management constitutes unfair and deceptive practices.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Pennymac continues to report multiple delinquencies on a mortgage loan that was modified under a federal government loss mitigation program.

Late payments are being reported without evidence that they occurred after the effective modification date or that FHA re-aging requirements were met. This reporting is inaccurate and materially misleading under the FCRA and CFPB servicing regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
They are not licensed to collect in state of MS . 

I asked for them to provide the following : Are you the holder of the original note and if so, produce it. If not the holder of the original note, produce a contract between LVNV/Resurgent Capital Services and the alleged debtor. Agreement with your client that grants you the authority to collect on this alleged debt. Produce the full accounting of both receivables/payables by submitting General Ledger/Balance Sheet. Original agreement that bears the original signature of the alleged debtor wherein I agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name and address on file of alleged debtor. Alleged account number. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit into my XXXX XXXX XXXX XXXX account in the amount of {$2500.00}. 
On XX/XX/XXXX XXXX XXXX XXXX withdrew {$2500.00} from my savings account, Description : Returned Check XXXX Maker : Travelers Return Reason : Refer To Maker Returning Bank/ABA : CitiBankXXXX 
On XX/XX/XXXX XXXX XXXX XXXX withdrew {$2500.00} from my saving account, Description Returned Check XXXX Maker : Travelers Return Reason : Refer to Maker Returning Bank/ABA : Citibank/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX credited my savings account in the amount of {$2500.00} to correct their error. 
The first Citibank attachment is incorrect, it shows deposit to XXXX XXXX and the Deposit Date shows XX/XX/XXXX which is incorrect, since the Mobile Deposit was made on XX/XX/XXXX as shown my statement from XXXX XXXX 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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The last time I gave the money was on XX/XX/XXXX and they are going to hold it until XX/XX/XXXX. Every time I give Care credit money, they hold it for two or three weeks even though I have been a loyal customer for many years. There is no risk involved with my bank. All they can say is that it takes up to 2 weeks to process the payment even though they've taken it out already.

Their own website says that 1 to 2 days is the average time for a payment to process. I am doing this electronically from my checking accounts directly into synchrony. The fact that it takes two to three weeks is ridiculous and frowned upon.

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