vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
I HAVE BEEN A VICTIM OF XXXX XXXX SOMEONE HAS USED MY INFORMATION TO OPEN A APARTMENT LEASE UNDER MY NAME FRAUDULENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE HAS USED MY INFORMATION TO OPEN A APARTMENT LEASE UNDER MY NAME FRAUDULENTLY

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. 
Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. 
Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am reaching out to follow up on my previous letter wherein. I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a new complaint regarding Citis continued inaccurate credit reporting and new actions taken after my previous complaint. 

Since my last CFPB complaint, Citi : Sent me a settlement offer for {$7500.00} Closed my credit card account without any notice Continued to report my account as delinquent even though the issue resulted from Citis Flex Pay system error during a XXXX 0 % XXXX promotional period Caused additional damage to my credit score Mailed a letter falsely stating they attempted to contact me, even though no call, voicemail, or email was received I requested Citi to XXXX the minimum payment miscalculation caused by their Flex Pay system error during a XXXX 0 % XXXX promotional period. 
I also requested removal of inaccurate delinquency reporting, reversal of the account closure, and an explanation for the settlement offer that resulted from their mistake. 
I specifically asked Citi to provide accurate account information and correct reporting to the credit bureaus.

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 2025-12-09 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: Sezzle Inc.
State: CA

Complaint narrative:
I have been a Sezzle customer for several years and recently discovered that many refunds from hotels and other merchants were never returned to me. I opened a dispute with Sezzle in XX/XX/year> ( Ticket # XXXX ), requesting a full account audit of all refunds issued on my behalf. 

Sezzle began issuing partial refunds in XX/XX/year>, confirming that some refunds were delayed or not credited. However, when I requested a complete historical refund list so I could verify whether all funds had been returned, Sezzle refused. On XX/XX/year>, Sezzle stated they were unable to provide a document that lists all the refunds, which prevents me from determining whether additional funds are still owed. 

Due to Sezzles failure to timely issue refunds, I incurred overdraft fees and bank charges tied directly to the delays. These losses were caused by Sezzles failure to credit refunds promptly and transparently. 

I am requesting that the CFPB require Sezzle to : Produce a complete refund history for my account ; Issue all remaining refunds owed to me ; and Reimburse bank fees or financial losses directly caused by delayed refund processing. 

Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I can provide documentation including : Sezzles refusal to provide refund history Screenshots of partial refunds issued only after my dispute Email correspondence showing non-responsiveness Bank statements showing fees caused by refund delays

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, my Venmo account showed a negative balance of {$12.00}. I received a {$70.00} transfer from XXXX XXXX on the same day, and Venmo automatically deducted the {$12.00} from that transfer. Venmo has confirmed in writing that the negative balance was fully recovered from this payment. 

However, Venmo also attempted to withdraw the same {$12.00} from my XXXX bank account. I placed a stop payment on that withdrawal because Venmo had already taken the {$12.00} from the {$70.00} transfer. Since the bank blocked that duplicate withdrawal, Venmo marked the transaction as an external dispute and is now treating the same {$12.00} as if it is still owed. 

I never received the {$12.00} from my bank, and Venmo already collected it from the {$70.00} transfer. Venmo is counting the same {$12.00} twice and refusing to reinstate my account unless I pay it again. 

Despite showing proof that the original negative balance was recovered, Venmo has suspended my account and is requiring payment for an amount I do not owe. I can not use my account, receive money, or access my funds. Venmo ended the support chat without resolving the issue. 

* * I am requesting that Venmo : XXXX. Correct the duplicate negative balance, XXXX. Acknowledge that the {$12.00} has already been repaid, and XXXX. Restore full access to my account. * * This is a billing error that Venmo can manually correct, but they have refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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 filing this complaint against TransUnion because, despite my third formal written dispute, multiple accounts continue to be reported inaccurately, unverified, and in violation of federal law. Previous disputes have not been properly addressed. The disputed accounts include : XXXX Opened XX/XX/year>, XXXX {$13000.00} These items have not been verified with original source documentation, and TransUnion has failed to conduct a reasonable reinvestigation as required by federal law. The continued reporting of inaccurate, unverified, or identity-compromised information constitutes violations of multiple federal statutes, including : FCRA 602 611 ( 15 U.S.C. 1681 et seq. ) : Failure to maintain accurate reporting, properly reinvestigate disputed items, provide method of verification, and delete unverifiable accounts.

FCRA 605B / 1681c-2 : Identity theft blocking requirements not met.

FCRA 607 / 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 / 1681g : Failure to provide full disclosure of investigation materials.

FCRA 623 : Furnisher liability for reporting inaccurate information.

FCRA 616 & 617 : Civil liability for willful and negligent noncompliance.

FACTA, GLBA, CFPA, ECOA, and 18 U.S.C. 1028A : Additional violations related to identity theft, personal data protection, and unfair/deceptive practices. 

I am requesting CFPB intervention to compel TransUnion to conduct a full reinvestigation, obtain original source documentation from the furnishers, and delete any unverifiable or inaccurate items.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

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 explanation
Consumer complaint received 2025-12-09 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries and inaccurate reporting on my credit report. 

Unauthorized Hard Inquiries During car shopping, multiple dealerships and lenders pulled my credit excessively. I only authorized one credit pull per dealership, yet my credit report shows multiple hard inquiries from the following companies : Foursight Capital LLC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Prestige Financial XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / Foursight lenders multiple pulls Insurance Hard Pulls ( XXXX XXXX XXXXXXXX, XXXX, XXXX  ) These inquiries were done without my consent, or they exceed the number I authorized. 

Inaccurate Reporting Some accounts on my credit report are inaccurate, including : Duplicate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Ava Finance, Inc
State: TX

Complaint narrative:
AVA XXXX XXXX has had the make a paymentgrayed out since the beginning of the month, so if I wanted to, I couldnt pay early. Now it says my card is XXXX due to an overdue payment, which is incorrect. This is the second time this has happened, putting my credit at risk, and I would like for this to be fixed per 15 U.S.C. 1681. I probably wont use this service again if Im going to have to report it every few months. Its a great service they just need to fix their payment section

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 submitting this follow-up complaint regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports despite my prior disputes and submissions of supporting documentation. Several accounts, including XXXX  XXXX Balance XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and certain charge-off accounts, remain inaccurately reported with incorrect balances, late payments, account statuses, and addresses. These continued errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require that all information maintained by credit reporting agencies be complete, accurate, and verifiable.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I HAVE REQUESTED THIS COMPANY SYNCHRONY HOME ACCOUNT AND ROOM TO GO ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT UNDER 15USC1681 2AI. THESE ACCOUNT HAS BEEN WRITOFF AS PROFIT LOSS BUT THE COMPANY IS STILL REPORTED THESE ACCOUNT ON MY REPORT AND TRYING TO COLLECT THIS IS FRUAD AND THEY KNOW IT ON MY REPORT THEY STATED WRITE OFF PROFIT LOSS BUT RECENTLY THEY HAVE REMOVED THE WRITE OFF AS PROFIT LOSS FROM MY REPORT. THIS IS TOTALL INACCURATE REPORTING AND I FELL STATUTORY DAMAGE HAS BEEN DONE .THIS COMPANY HAS WRITTEN THESE ACCOUNT OFF AND SHOULD HAVE REPORTED THIS TO THE IRS.SO I AM ASKING TO HAVE THESE TWO ACCOUNT REMOVED ASAP.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint because the credit bureaus are reporting multiple inaccurate and unverifiable items on my credit file, and they have failed to properly investigate or correct them after being notified. 

On XX/XX/year>, I mailed dispute letters to the credit bureaus identifying several incorrect addresses, an unauthorized inquiry, and multiple accounts that do not belong to me or can not be verified. I specifically requested verification documents such as the original signed application, contract, or note for each disputed account. The bureaus have continued reporting these items without providing any validation, which is a violation of the Fair Credit Reporting Act. 

Inaccurate items include : Incorrect current address Multiple incorrect previous addresses Unauthorized inquiry Several accounts reporting without any supporting documentation showing I opened them Several duplicated or repeated accounts Multiple accounts from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX that have no proof of my signature or authorization Violations committed by the credit bureaus include : 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) Failure to delete unverifiable information within 30 days 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification when requested 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681b Unauthorized/inaccurate inquiry reporting Willful noncompliance under 15 U.S.C. 1681n for continuing to report data after knowing it is inaccurate I have made multiple attempts to have these errors corrected, but the bureaus continue to report information that is inaccurate, incomplete, or unverified. This has caused harm by lowering my credit score and affecting my ability to obtain credit.

I am requesting CFPB assistance to compel the credit bureaus to : 1. Conduct a lawful reinvestigation, 2. Remove all unverifiable and inaccurate items, 3. Provide proper verification documents, and 4. Correct my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 filing a complaint because the credit bureaus are reporting multiple inaccurate and unverifiable items on my credit file, and they have failed to properly investigate or correct them after being notified. 

On XX/XX/year>, I mailed dispute letters to the credit bureaus identifying several incorrect addresses, an unauthorized inquiry, and multiple accounts that do not belong to me or can not be verified. I specifically requested verification documents such as the original signed application, contract, or note for each disputed account. The bureaus have continued reporting these items without providing any validation, which is a violation of the Fair Credit Reporting Act. 

Inaccurate items include : Incorrect current address Multiple incorrect previous addresses Unauthorized inquiry Several accounts reporting without any supporting documentation showing I opened them Several duplicated or repeated accounts Multiple accounts from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX that have no proof of my signature or authorization Violations committed by the credit bureaus include : 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) Failure to delete unverifiable information within 30 days 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification when requested 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681b Unauthorized/inaccurate inquiry reporting Willful noncompliance under 15 U.S.C. 1681n for continuing to report data after knowing it is inaccurate I have made multiple attempts to have these errors corrected, but the bureaus continue to report information that is inaccurate, incomplete, or unverified. This has caused harm by lowering my credit score and affecting my ability to obtain credit.

I am requesting CFPB assistance to compel the credit bureaus to : 1. Conduct a lawful reinvestigation, 2. Remove all unverifiable and inaccurate items, 3. Provide proper verification documents, and 4. Correct my credit file.

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