vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute certain items on my credit report as inaccurate, incomplete, or erroneous. Please see the details below for each of the bureaus in question : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In XXXX, I asked Citizens bank to provide another Partial Claim- which they denied, stating that I am in default with another FHA loan. I only have ONE FHA loan, and that is with Citizens, which is why I am submitting a complaint to further escalate this matter. 

I am looking to resolve this issue, with another Partial Claim, especially I just secured another career, at XXXX XXXX I can manage to pay off what is owed in arrears. Please help- I have a wife and XXXX kids under the age of XXXX XXXX XXXX in the household.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am submitting this dispute statement regarding my credit report for the accounts listed below. I believe there are errors with the reporting of these accounts, and I request that the inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Experian ( XXXX ) Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$22000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$25000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-18 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 am writing to dispute the following charged-off accounts on my TransUnion credit report. The account details are as follows : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}

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 2025-11-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
i am writing to formally request the blocking and deletion of all accounts associated my personal information due the the recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
i am writing to formally request the blocking and deletion of all accounts associated my personal information due the the recent data breach.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened an account for a XXXX XXXX XXXXXXXX XXXX credit card on XX/XX/XXXX, XXXX opened the account to take advantage of the points that accumulate with using the card at Tractor Supply Co XXXX XXXX. 

I do not have the specific date - but some time in either late XX/XX/XXXX or early XX/XX/XXXX I signed up for a promotional offer sent via email. I do not have the original emails but I have saved an email since then, from Citibank, acknowledging the promotional terms. The promotional offer was for a 0 % APR for all new purchases made outside of XXXX XXXX until XX/XX/XXXX. 

The last purchase that I made using this credit card, outside of XXXX XXXX Co, was executed on XX/XX/XXXX. Each month, at the end of each billing cycle, I have submitted payments exceeding XXXX ) the minimum payment due and XXXX ) the amount of any new transactions made at XXXX XXXXXXXX XXXX ( ie transactions not included in the promotional offer ). I have also called Citibank customer service several times to ask that my payment be applied to new transactions outside of the promotional offer so that I did not accrue any interest. I also asked that the amount of payment exceeding the minimum and new transactions then be applied to the promotional balance. Each time I called Citibank they assured me that this is how payments were allocated and I would never accrue interest as long as I kept making payments. 

The summary of interest charges that I have accrued is listed below. What Citibank is doing, is applying my monthly payment to the promotional balance that does not accrue interest. They are then taking my other, new, XXXX XXXX purchases, and running a balance so that it is not paid down each month and available for an interest calculation. In my several calls to customer service I have explained the issue and they have fixed XXXX errors. Each time they have acknowledged that it is an error on Citibank 's system and is inconsistent with the current promotion. 

As of yesterday, XX/XX/XXXX, Citibank customer service now refuses to process any interest reversals telling me that " the system will not allow them to do that. '' This is a minimal amount of money - I have essentially paid only {$5.00} in charges- but I believe that Citibank is purposefully applying customer payments this way in order to " nickel and dime '' its large customer base. 

If there is anything that can be done to stop this practice I am more than willing to provide all of my statements and emails from Citibank for investigation purposes. 

Interest Charges : XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} Interest Reversals : XX/XX/XXXX {$2.00} reversal XX/XX/XXXX {$2.00} reversal XX/XX/XXXX {$2.00} reversal

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 2025-11-18 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-18 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: NC

Complaint narrative:
I am submitting this dispute regarding items on my TransUnion credit report that I believe are inaccurate. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX, balance {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX, balance {$2700.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested for All Items : I request that TransUnion verify each account, inquiry, and late payment with the original creditor. Any information that can not be verified should be corrected or removed from my 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 non-monetary relief
Consumer complaint received 2025-11-18 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 writing to file a formal dispute regarding the inaccuracies reflected in my credit report provided by the credit bureaus. Below, I have outlined the specific accounts in dispute, as well as the necessary actions I demand from each bureau. I request that these discrepancies be corrected immediately. 
Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Inquiries XXXX XXXX XXXXate Open : XX/XX/XXXXXXXX XXXX XXXXate Open : XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-18 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: NY

Complaint narrative:
Could you review this entry? It was done late and may contain mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
My requests to correct or remove false and inaccurate information on my credit report continue to be denied or disregarded. As a consumer, I understand my rights, and those rights are being violated by the reporting of information that is not assured to be at the maximum possible accuracy. These inaccuracies are harming my credit score and negatively affecting important aspects of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
My personal conveyence with is in my Irrevocable trust was towed by XXXX Police Dept on XX/XX/XXXX illegally. I filed a claim agaianst XXXX Police XXXX with the XXXX XXXX with takes XXXX week which I am currently still waiting. However I contacted the tow yards XXXX XXXX in XXXX they informed me that my trust property was oicked up by a lienholder. Consumer Portfolio Services , Inc who charged if the vehicle in XXXX and was reporting to my conumer report until XXXX. This action is illegal an due to the Heavy corruption in California with every department of service, this is concerning.

I am requesting Full Original Disclousure according TILA 15 USC 1611 and UCC Article 9. This is double dipping and a violation of 18 USC 1341 Frauds and Swindels. This is Unjust Enrichment and CPS is benefiting from my demise this also a violation of California Civil Code 3517. Attached is a complaint for all Federal agencies attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AR

Complaint narrative:
I am a verified victim of human trafficking, debt bondage, and identity theft.

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file.

The items listed below were created or maintained under conditions of coercion and identity misuse. They are inaccurate, do not belong to me, and continue to cause ongoing harm and misrepresentation of my credit history. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX EMPLOYERS TO REMOVE : EMPLOYER SELFEMPLOYED EMPLOYER XXXX XXXX XXXXXXXX XXXX ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} HARD INQUIRIES TO REMOVE 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 I am requesting that TransUnion immediately block and delete all of the above information in compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once completed.

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