vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OZK
State: NC

Complaint narrative:
I requested a mortgage statement for the refinance of the loan, and the mortgage company told me that they dont provide mortgage statements. I need the statement so I can refinance the loan with other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am writing to address several inaccuracies listed on my credit report. Despite my efforts to resolve these discrepancies with the creditor, collection agency, and credit bureau involved, I have not received the requested information or evidence to substantiate their claims. Each party has stated that the account belongs to me but has failed to provide any proof. This situation has caused me considerable stress, and if it is not resolved promptly, I will be compelled to pursue legal action in small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: LA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-22 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: PA

Complaint narrative:
I received a call from this company demanding that I pay them {$26000.00} and asked for my checking account and routing numbers or my debit card numbers and cvv code. I applied for a job in financial sector that pulls your personal credit profile and was told that I had a very large collection on my credit report that matches the same amount. I have not done business with this company, they claimed the amount was for past due rent for a property I have not resided. Previously I sent in a police report stating that I was a victim of identity theft. This company did not contact me in writing regarding this debt prior to furnishing the collection on my credit reports. The person on the phone was very hostile and unprofessional and would not listen when I asked them to not call again and that I have no knowledge of them or the debt they purchased. In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX. or after XXXX XXXX. unless I agree to it. I have received calls at XXXX XXXX on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. Under 15 U.S. Code 1692g - Validation of Debts : 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 3. Proof of Debt : I HAVE NO RECOLLECTION OF THIS DEBT AND I HAVE NEVER LIVED AT ADDRESS ASSOCIATED WITH THIS DEBT AT THE TIME SPECIFIED. If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report. PLEASE BLOCK THIS COMPANY FROM REPORTING THIS INVALID DEBT.

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 2025-07-22 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: PA

Complaint narrative:
I received a call from this company demanding that I pay them {$26000.00} and asked for my checking account and routing numbers or my debit card numbers and cvv code. I applied for a job in financial sector that pulls your personal credit profile and was told that I had a very large collection on my credit report that matches the same amount. I have not done business with this company, they claimed the amount was for past due rent for a property I have not resided. Previously I sent in a police report stating that I was a victim of identity theft. This company did not contact me in writing regarding this debt prior to furnishing the collection on my credit reports. The person on the phone was very hostile and unprofessional and would not listen when I asked them to not call again and that I have no knowledge of them or the debt they purchased. In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX. or after XXXX XXXX. unless I agree to it. I have received calls at XXXX XXXX on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. Under 15 U.S. Code 1692g - Validation of Debts : 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 3. Proof of Debt : I HAVE NO RECOLLECTION OF THIS DEBT AND I HAVE NEVER LIVED AT ADDRESS ASSOCIATED WITH THIS DEBT AT THE TIME SPECIFIED. If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report. PLEASE BLOCK THIS COMPANY FROM REPORTING THIS INVALID DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I received a call from this company demanding that I pay them {$26000.00} and asked for my checking account and routing numbers or my debit card numbers and cvv code. I applied for a job in financial sector that pulls your personal credit profile and was told that I had a very large collection on my credit report that matches the same amount. I have not done business with this company, they claimed the amount was for past due rent for a property I have not resided. Previously I sent in a police report stating that I was a victim of identity theft. This company did not contact me in writing regarding this debt prior to furnishing the collection on my credit reports. The person on the phone was very hostile and unprofessional and would not listen when I asked them to not call again and that I have no knowledge of them or the debt they purchased. In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX. or after XXXX XXXX. unless I agree to it. I have received calls at XXXX XXXX on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. Under 15 U.S. Code 1692g - Validation of Debts : 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 3. Proof of Debt : I HAVE NO RECOLLECTION OF THIS DEBT AND I HAVE NEVER LIVED AT ADDRESS ASSOCIATED WITH THIS DEBT AT THE TIME SPECIFIED. If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report. PLEASE BLOCK THIS COMPANY FROM REPORTING THIS INVALID DEBT.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a balance transfer from my XXXX XXXX  to my Citi card. They transferred the money but took an additional XXXX so I ended up with a negative XXXX balance on my chase card. XXXX refunded me the credit by transferring this amount into my Citi checking account. I then paid this amount on XX/XX/scrub> 2025, to reduce my Citi card balance. 
The problem is that Citi charged me a fee for the balance transfer, and it was based on a balance XXXX more. I went to my branch and the manager tried to call Citi card and could not reach and agent. I spent 2 hours on hold on XX/XX/XXXX and never solved the issue because the agent transferred me to a debit credit card line and this has nothing to do with the issue. 
I should have a refund of about XXXX dollars for the transfer fee. 
I need help getting my fee refund from Citi. They have not handled this issue well.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it XXXX concern : I am writing to you to update my personal information. I demand the deletion of all personal identifiable information from my consumer credit report with the exception of : My full Legal First name : XXXX XXXX XXXX My address : XXXX La XXXX XXXX # XXXX XXXX, Texas XXXX Date of birth : XX/XX/year> Employer : Self-Employed Please delete all other names, addresses and employers from my consumer report as I am unable to access them and can not receive mail or any correspondence at them. Instead, replace them with the one mentioned above. 

Delete all phone numbers. 

Additionally, I demand my social security number and employer be removed from being displayed on my credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 U.S. Code 1681 and all its subsections. Once the modifications are finalized, kindly send an updated credit report to the address on file. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it XXXX concern : I am writing to you to update my personal information. I demand the deletion of all personal identifiable information from my consumer credit report with the exception of : My full Legal First name : XXXX XXXX XXXX My address : XXXX La XXXX XXXX # XXXX XXXX, Texas XXXX Date of birth : XX/XX/year> Employer : Self-Employed Please delete all other names, addresses and employers from my consumer report as I am unable to access them and can not receive mail or any correspondence at them. Instead, replace them with the one mentioned above. 

Delete all phone numbers. 

Additionally, I demand my social security number and employer be removed from being displayed on my credit file for privacy reasons. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 U.S. Code 1681 and all its subsections. Once the modifications are finalized, kindly send an updated credit report to the address on file. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
Im reaching out once again about multiple unauthorized inquiries that were made on my credit report without my consent. I never gave these companies permission to access my credit, and their presence has negatively impacted my credit score. I spoke with a representative at TransUnion who assured me they would be removed, yet they are still showing up. This ongoing situation is deeply concerning and has left me feeling XXXX  and XXXX, especially given the possibility that my personal information may have been compromised. As someone working hard to maintain financial stability, these unauthorized inquiries are more than just an inconveniencethey are a violation of my rights.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
i sent experian a 605b dispute letter requesting all fraudulent accounts be deleted within 4 business days and it has not been done,

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