vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to formally dispute a fraudulent credit inquiry that appears on my TransUnion credit report. The inquiry in question does not belong to me, and I did not authorize any such request for my credit information. 
Inquiry Details ( as listed on my report ) : Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/year> This inquiry is the result of identity theft or unauthorized access to my personal information and could possibly be from the TransUnion data breach as well. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute and request immediate removal of this inaccurate and unauthorized information.

Specifically : FCRA 604 ( a ) ( 2 ) and 604 ( f ) stipulate that a credit reporting agency may only furnish a consumer report when the consumer has provided authorization or when there is a permissible purpose. Since I did not authorize this inquiry, it constitutes a violation of those provisions.

FCRA 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed information and remove or correct it if it is found to be inaccurate or unverifiable.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), if I am a victim of identity theft, the credit reporting agency must block and remove any information resulting from that identity theft within four business days of receiving proper identification and a valid dispute.

Enclosed are copies of supporting documents to verify my identity and assist with your investigation : A copy of my government-issued photo ID & SSN Card A copy of my FTC Identity Theft Report Please investigate this matter promptly, remove the fraudulent inquiry from my credit file, and send me written confirmation once it has been deleted. 
If TransUnion fails to comply with these obligations under the FCRA, I am prepared to submit additional complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and my State Attorney Generals Office for noncompliance.

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 2025-11-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC N.A. had a promotion earlier this year to attract new customers to open premier checking account with them and deposit and/or invest {$100000.00} or more for 3 months to receive a {$1500.00} bonus. I opened a new premier checking account with HSBC through referral on XX/XX/year>, and deposited {$100000.00} through once transaction on XX/XX/XXXX. To earn interest, I chose to deposit this new money into HSBCs new money CD, which HSBC acknowledged is considered an eligible activity to earn the {$1500.00} bonus. I withdrew the CD on XX/XX/year>, which is 3 months and 4 days after the deposit was made into my account. 

On XX/XX/XXXX, in an online chat with HSBC customer representative XXXX, he confirmed that I am eligible to receive the bonus as long as I keep the fund in the XXXX account until XX/XX/XXXX and the wait time for HSBC to credit the bonus into my account is XXXX weeks after the XXXX holding period ( Exhibit XXXX XXXXXXXX ). 

In XX/XX/year>, which is XXXX months after the XXXX holding period, I still havent received the bonus. I contacted HSBC for inquiry. This time customer representative Bill first claimed my new money CD is not eligible for the bonus. After some research, he changed the story by telling me I am indeed eligible but the wait time for the bonus to credit is now XXXX weeks. In the conversation after that, he changed the story again by saying I am not eligible because my funds in XXXX dropped to {$88000.00} and did not meet the {$100000.00} criteria. After I refuted that I deposited this {$100000.00} all at once and never touched it until I withdrew, he found another excuse by claiming my holding period was not XXXX long and thus did not qualify for the bonus. I did the math with him to prove my fund was holding in the CD account for more than 3 months. XXXX then claimed the holding period does not start from the day when the deposit was made but from the next month ( Exhibit XXXX XXXX ). 

I requested HSBC to provide written policy of this particular promotion for which I opened my account, even in fine print to customers, regarding the start time of holding period because if not explicitly explained, holding period starts immediately when deposit is made by common sense. They failed to provide me any evidence and stopped responding. 

If HSBC has a clear and transparent policy and told me from the beginning correctly and firmly why I am not eligible for the welcome bonus, I might have agreed. However, the inconsistent responses from different customer representatives and the behavior of finding one excuse after another to deny my eligibility to the bonus made me feel that they are just trying all tactics not to give customer the bonus they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was the victim of unauthorized transactions made through my Branch debit card, which is issued by XXXXXXXX XXXX 
On XX/XX/year>, XXXX unauthorized charges appeared on my account : Here is the first : Merchant : XXXX XXXX Amount : {$9.00} Transaction Date : XX/XX/year> at XXXXXXXX XXXX  Posted Date : XX/XX/year> at XXXXXXXX XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX Second transaction : Merchant : XXXX XXXX Amount : {$79.00} Transaction Date : XXXX XXXX at XXXXXXXX XXXX Posted Date : XX/XX/year> at XXXXXXXX XXXX  Location shown : XXXX XXXX XXXX, XXXX, OH XXXX Third transaction : Merchant : XXXX XXXX  Amount : {$140.00} Transaction Date : XXXX XXXX at XXXX XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$460.00} Transaction Date : XXXX XXXX at XXXXXXXX XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX, XXXX, OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$490.00} Transaction Date : XX/XX/year> at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX transaction : Merchant : XXXX XXXX Amount : {$470.00} Transaction Date : XXXX XXXX at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXX XXXX XXXX  XXXX, OH XXXX Last transaction : Merchant : XXXX XXXX Amount : {$440.00} Transaction Date : XXXX XXXX at XXXX Posted Date : XX/XX/year> at XXXX Location shown : XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX I did not approve or authorize this transaction. I am a victim of a scam group operating under the names " XXXX XXXX '' and " XXXX XXXX. '' I immediately reported these transactions to Branch and filed a dispute. However, the dispute was later denied with the explanation that my claim was not credible.

I strongly disagree with this outcome because I did not authorize or recognize these transactions. I have already provided all requested information and evidence. 

I am requesting that this case be reopened and reviewed directly by XXXX XXXX since Branch is only a financial service provider and not the issuing bank. 

I want my funds refunded and a proper investigation conducted into these fraudulent charges.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Have been getting XXXX calls a day with no voicemail from XXXX ( XXXX ) XXXX since Monday. 
This occurs during work hours and is disruptive

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 2025-11-13 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:
I am submitting this formal dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccurate and incomplete reporting of my credit accounts by the credit bureaus ( Equifax, XXXX XXXX XXXX ). After reviewing my credit reports, I have identified multiple discrepancies, including charged-off accounts, late payments, and inquiries that do not accurately reflect my credit history. 
1. Charged-Off Accounts : XXXX  ( XXXX ) : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$29000.00} XXXXXXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX  Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3600.00} Equifax ( EQ ) : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am filing this complaint because the information listed below is being inaccurately reported on my credit file. I have attempted to resolve these issues with the credit bureaus, but the information remains incorrect. I am requesting that the Consumer Financial Protection Bureau assist in ensuring accuracy and proper investigation according to the Fair Credit Reporting Act ( FCRA ). 

XXXX. Charged-Off Accounts ( Inaccurate / Unverified ) XXXX XXXX Acct : XXXX XXXX : XX/XX/XXXX Balance : {$6900.00} This account is being reported inaccurately. I dispute the balance, dates, and status. I request that Experian obtain full documentation proving the charge-off details or remove the account if unverifiable. 

XXXX. Inquiries ( Unrecognized/ No Permissible Purpose ) The following inquiries require verification of permissible purpose. I do not recognize these and did not authorize multiple hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request Experian to provide the written permissible-purpose documentation for each inquiry. If Experian can not verify proper authorization under FCRA 604, these inquiries must be removed. 

XXXX. Late Payments ( Incorrect / Unverified ) XXXX Acct : XXXX XXXX XXXX Acct : XXXX The late-payment reporting appears inaccurate and inconsistent across bureaus. I request verification with original creditors. If Experian can not obtain actual records proving delinquency, the entries must be deleted under FCRA 611.

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 2025-11-13 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: CA

Complaint narrative:
I am submitting a formal dispute regarding the inaccurate reporting of accounts and inquiries by the three major credit bureaus : Equifax ( EQ ), XXXX ( XXXX ), and XXXX  ( XXXX ). Below are the details of the accounts and inquiries that require investigation. I request prompt action in correcting these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a notice of debt from Radius Global Solutions regarding a debt from XXXX. This debt is over XXXX XXXX XXXX and was being collected by another debt collection company ( XXXX ) prior to Radius. XXXX never verified the debt. Radius stated that if the offer amount was paid then they will not renew the debt or file legal action. In the state of MD, you can not file a lawsuit if the debt is older than XXXX XXXX XXXX. Also, they did not include all that is supposed to be listed on a debt collection notice per the FCRA and USC codes.

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 2025-11-13 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:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX ]. I have never been 30 days late on this account. XXXXXXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX. I have never been 30 days late on this account. XXXXXXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report reflects late payment entries that I believe are inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be substantiated, I ask that they be promptly corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: KS

Complaint narrative:
This is my second complaint to this company in XXXX months. They keep calling me every other day and bugging me after numerous attempts to get them to stop calling 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 2025-11-13 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
b'I am submitting this complaint because Equifax is reporting several accounts that I believe are inaccurate, incomplete, or unverifiable. I have attempted to resolve these issues with the credit bureau, but the information continues to report incorrectly. I am requesting that the CFPB assist in having Equifax conduct a proper investigation and provide verification or remove/update the items listed below.\n\nCHARGED-OFF / COLLECTION ACCOUNTS\nThe following accounts are being reported by Equifax. I dispute the accuracy, ownership, balance, date of last activity, and completeness of these entries:XXXX XXXX XXXX XXXX  Amount: XXXX XXXX XXXX XXXX Amount: XXXX XXXX XXXX XXXX XXXX   Amount: XXXX XXXX XXXX XXXX XXXX  Amount: XXXX XXXX XXXX  XXXX XXXX  Amount: XXXX XXXX XXXX XXXX XXXX  Amount: XXXX XXXX XXXX XXXX  Amount: XXXXThese accounts appear inconsistent with my records or may not be valid. I am requesting full documentation proving ownership, balance calculation, and proper reporting of datesparticularly the Date of First Delinquency and status information.\n\nLATE PAYMENT REPORTING\nEquifax is reporting the following late payment item that I dispute:XXXX XXXXI dispute the accuracy of this late-payment reporting and request verification of payment history records, including account statements and payment logs.'

Company response to consumer: Closed with explanation