vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX2025 at XXXX I initiated an electronic funds transfer from XXXX XXXX to CitiBank two different transfers were initiated one In the amount of {$4000.00} and the second in the amount of {$2500.00}. The website stated the funds would be avaliable the same day ; however, this was not true. I contacted Citi bank and I was told that the funds would be avaliable on the XXXX of XX/XX/year>2025. The funds didnt post into my account until the XXXX of XXXX. I was already in need of the funds and so I promptly began paying bills with the checks that were provided to Citi. I travel for my job and I went to Alabama to meet inventors for a aquisition for my job I was suppose to leave AL and go back to Florida to catch a flight to XXXX when I attempted to use my debit card it was declined. I contacted Citi bank and I was told that my. account was under review and that I would have to wait 10 business days to receive a letter so that I could give them the reference code off the letter. I asked why my account was under review and I was told it would be a breach of security to tell me this answer. I was desperate in need of gas and my job on the line if I didnt catch the flight. I begged for a supervisor the representative laughed and hung up on me. I called 12 different time each time I was hung up on and the agent refused to identify themselves. The one time I did speak with a supervisor they said there was only one other way to verify me and that was to go to public records and randomly pick a phone number that was associted with me in my lifetime and they would call this random number and If I answered they would release my money. I recieved no phone call and I was told that even if I visited a branch and showed my passport and drivers license that I would still be denied my money. I was told all the checks I wrote for my bills would not be honored and they I was laughed at again by an agent whom I could barely understand. This is not a small amount of money and I sent it via ach electronic deposit so there is no check to be suspicions of. There is no reason that I can think of that this bank would deny my funds. I have no been blocked from my online banking and each time I call they hang up in my face. Please help me. My car payment, my utilites and my credit card payment are all set to bounce which will cause me to have criminal charges. Further, they stated that they may or may not give me my money depending on the decisions made by there department. Can you please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
Recently I did an investigation on all my credit reports and found many items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 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.

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 2025-07-23 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am a victim of identity theft. Multiple unauthorized XXXX  accounts were opened and reported on my credit. I submitted a valid 605B Block request with supporting documents, including a police report and identity theft affidavit. XXXX  has refused to assist, and EXPERIAN is violating FCRA 605B by denying my block request based solely on the furnishers claim, despite the legal requirement to block such information upon proper documentation. 

Experian responded on XX/XX/2025 declining my request to block via FCRA 605B in complete violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NM

Complaint narrative:
Under Section 611 of the FCRA, I am exercising my right to dispute any information that I believe to be incorrect. I request that you conduct a reinvestigation of this account and remove it from my credit report unless you can provide verifiable, accurate, and complete documentation from the original creditor. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request debt validation from the collection agency. If they are unable to provide proof that the alleged debt is valid and belongs to me, the information must be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NM

Complaint narrative:
Under Section 611 of the FCRA, I am exercising my right to dispute any information that I believe to be incorrect. I request that you conduct a reinvestigation of this account and remove it from my credit report unless you can provide verifiable, accurate, and complete documentation from the original creditor. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request debt validation from the collection agency. If they are unable to provide proof that the alleged debt is valid and belongs to me, the information must be deleted from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XXXX/XXXX/24 XXXX XXXX Date : XXXX/XXXX/24

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 2025-07-23 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-23 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: CT

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries 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 2025-07-23 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 disputed the following items to the Credit Bureaus but I have not received any response from them. I do not recognize them at all. Please remove these inaccuracy as I do not believe it even belongs to me. This is in accordance withViolation of 15 U.S.C. 1681i ( a ) ( 5 ) - 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.

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 2025-07-23 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
All the hard inquiries and other accounts on my credit is all due to fraud, I don't recall any dates and or times because I wasn't aware of any of the unauthorized interactions being reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain inaccurate personal information currently listed on my credit report. Specifically, I have noticed errors concerning my phone numbers, addresses, and employment history. Please consider this letter a formal request to investigate and correct these inaccuracies as required by the Fair Credit Reporting Act.

Phone Numbers : There are one or more phone numbers listed on my credit report that do not belong to me and are incorrect.

Addresses : My credit report includes addresses at which I have never lived and that are not associated with me. 
Employment : There are employers listed in my employment history with whom I have never been employed. 

I respectfully request that you : Investigate the inaccurate phone numbers, addresses, and employment details listed on my credit report. 
Remove or correct any information found to be incorrect or unverified. 
Provide me with an updated copy of my credit report once corrections have been made I have included copies of my identification and documents verifying my current address and employment for your reference. 

Copy of government-issued photo identification Proof of address ( utility bill, lease agreement, etc. ) Proof of current employment ( pay stub, letter from employer, etc. ) Thank you for your prompt attention to this matter. I look forward to your reply and the resolution of these inaccuracies within the time frame required by law. Should you need additional information, please contact me at the address or email provided above.

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 2025-07-23 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: Nelnet, Inc.
State: IL

Complaint narrative:
According to my records, the reporting of this loan is inaccurate due to the following reason ( XXXX ) : I have no knowledge of this loan The balance is incorrect The account status is reported inaccurately ( e.g., delinquent, in collections, charged off ) Payments were made but not reflected I am in deferment/forbearance, but its listed as late or in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Auto Finance acted against my private property in dishonor and fraud on XX/XX/year>. They issued post-facto notices of default without ever providing a verified wet-ink contract, itemized accounting, or lawful lien on XX/XX/year>. I have lawfully recorded a UCC-1 Financing Statement filed on XX/XX/year> and lien asserting XXXX status as secured party creditor and not debtor on XX/XX/year>. 

Despite this, TD Auto violated the Truth in Lending Act ( XXXX ) and attempted to enforce an unverified commercial claim upon mea private, non-corporate, living manwithout jurisdiction or consent.

Public Record Includes : UCC-1 Financing Statement ( perfected ) Affidavit of Non-Consent & Commercial Dishonor Recorded Lien against TD Auto Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Unauthorized inquiries as follows. 

TXXXX 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 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, please remove immediately it is showing up as duplicate accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am filing this complaint because DCU seized my federal tax refund without my knowledge or consent, and I only discovered this months later while reviewing my account. I never received my refund and wondered why it hadnt arrivedDCU took it without notifying me. 

They applied {$310.00} from a {$310.00} IRS refund ( via XXXX XXXX ) to a charged-off auto loan tied to a XXXX  XXXX I never had possession of, never drove, and was never registered in my name. I was only added electronically as a co-borrower and was unaware Id be held financially liable. 

This seizure : Was done without any court judgment ; Came with no notice, explanation, or itemized statement ; Violates consumer protection standards and may breach EFTA regulations.

Even worse, DCU refuses to confirm if the primary borrower was equally charged off, hiding behind privacy laws while Im left with credit damage and unanswered questions.

I have fraud alerts active on all credit bureaus because of this loan and request the CFPB investigate this unauthorized seizure and DCUs unfair handling of this 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 2025-07-23 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief