vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this letter to formally request the immediate blocking of fraudulent accounts that have been reported on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which obligates credit reporting agencies to block such information upon receiving proper notice and documentation. The following accounts were opened without my knowledge or authorization and are the result of identity theft : American XXXX XXXX XXXX, XXXX, opened on XXXX, XXXX XXXX XXXX, opened on XXXX. 
The fraudulent inquiries are : XXXX OF SHE XXXX, CP XXXX XXXX XXXX, XXXX XXXX In compliance with the FCRA, I am providing the following documentation to verify my identity and support this request : A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my government-issued photo ID and Social Security Number Proof of my current address All required documents are included with this dispute to fully verify my identity and address. No additional confirmation should be necessary. Please note that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted solely by me, the consumer. I am fully aware of the contents and purpose of this request and am exercising my rights under FCRA 605B as a victim of identity theft. I respectfully request that these fraudulent accounts be blocked from my credit file in full compliance with federal 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 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank and Best Buy regarding a deceptive and predatory deferred interest promotion tied to a large purchase I made through the Best Buy Visa card, issued by Citi.I spoke with a Citi card representative who gaslighted me and was dismissive and tried to reach Best Buys executive resolution department but was told they were busy and that there is no direct number or extension to reach them. I spoke with XXXX XXXX refused to give last name or employee ID ) but gave me a case # XXXX to reference our call. He stated they will call me back. Ive been waiting. 

On XX/XX/year>, I made a purchase totaling {$3400.00}, which included a TV, sound system, XXXX XXXX, and speaker stands. I was explicitly told this purchase was under a XXXX no-interest promotion. I even wrote that down at the time and planned accordingly. I understood that as long as I paid it off within 36 months, no interest would be charged. 

I set up auto-payments, and have been consistently paying each month. I was using this financing to build creditnot because I couldnt afford to pay in full. At no time did I receive clear disclosure that the actual term was only 24 months, nor was I ever warned that my payments were being applied to a newer promotional balance ( for a washer/dryer I later purchased as a gift ), while my original balance sat untouched. 

I was never alerted that the original promotional period was nearing expiration. Now, Citi has added {$2500.00} in deferred interest to my account, even though I was paying on time, had autopay enabled, and was acting in good faith under the belief I had 36 months. 

To make matters worse, because my account was just flagged as past due, I am now completely locked out of seeing my transaction history, promotional terms, or even the make a payment option unless I re-enter banking info and agree to new terms. My auto-pay was active and I was never informed it failed or needed to be changed. 

This system is clearly designed to confuse and trap consumers : No transparent confirmation of promo term at time of checkout or in receipts No email or mailed warning of promo expiration Payments auto-applied to newer promos Blocked access to account history after flagging the account I am requesting : A full reversal of the {$2500.00} deferred interest A review of my full payment history Reinstatement of transparency to my account so I can see my balances and terms I believe this financing structure is deliberately predatory, and had I known my balance was being ignored, I would have paid it off immediately. This situation has caused financial and emotional stress, and I am seeking a full resolution and policy review. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report.

ACCOUNTS : 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX HARD INQUIRIES : 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3  ) XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5  ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 9 ) XXXX XXXX XXXX XX/XX/XXXX 10 ) XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 trafficking 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 XXXX 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 XXXX 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 2025-08-01 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 unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 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: IL

Complaint narrative:
I am filing a formal complaint regarding a fraudulent account that has appeared on my credit reports with Experian, TransUnion, and Equifax. 

This account is a clear case of identity theft and unauthorized use of my personal identifying information ( PII ). I have never applied for, authorized, used, or been affiliated with this account. 

Fraudulent Account to be Deleted : Creditor Name : XXXX XXXX  Account Type : Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Applicable Compliance Codes : E-OSCAR Code 29 Not His/Hers Metro 2 Compliance Condition Code F Confirmed Identity Theft/Fraud I have already filed a valid FTC Identity Theft Report ( # XXXX ) in accordance with the Fair and Accurate Credit Transactions A

ct ( FACTA ). Pursuant to 15 U.S.C. 1681g and 1681c-
2, I am submitting the following documents as legally sufficient evidence : Notarized Identity Theft Affidavit Copy of Government-Issued Photo ID Copy of Social Security Card Proof of Current Address ( Utility Bill ) FTC Identity Theft 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 2025-08-01 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: IL

Complaint narrative:
I am filing a formal complaint regarding a fraudulent account that has appeared on my credit reports with Experian, TransUnion, and Equifax. 

This account is a clear case of identity theft and unauthorized use of my personal identifying information ( PII ). I have never applied for, authorized, used, or been affiliated with this account. 

Fraudulent Account to be Deleted : Creditor Name : XXXX XXXX  Account Type : Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} Applicable Compliance Codes : E-OSCAR Code 29 Not His/Hers Metro 2 Compliance Condition Code F Confirmed Identity Theft/Fraud I have already filed a valid FTC Identity Theft Report ( # XXXX ) in accordance with the Fair and Accurate Credit Transactions A

ct ( FACTA ). Pursuant to 15 U.S.C. 1681g and 1681c-
2, I am submitting the following documents as legally sufficient evidence : Notarized Identity Theft Affidavit Copy of Government-Issued Photo ID Copy of Social Security Card Proof of Current Address ( Utility Bill ) FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: DC

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 non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 

ACCOUNTS : 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/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 2025-08-01 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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/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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC
State: AR

Complaint narrative:
Launch Servicing is the servicer for my student loan. On XX/XX/XXXX, I began contacting Launch regarding a postponement of my loan payment. I am a substitute teacher and will not return to work until XX/XX/XXXX. On XXXX different occasions, I filled out the form using the dates given me by a Launch representative and on both occurrences, Launch came back and changed the dates. I then updated the form and sent it back to Launch. Launch reports delinquent accounts to the credit bureaus on the XXXX of each month. I began contacting them almost XXXX weeks prior to the end of the month regarding this issue. On XXXX occasions, they gave me incorrect information and now my credit report has been dinged. Had their representatives given me the correct dates, my credit report would not have been affected. Also, the last corrected form was sent in on XXXX/XXXX/XXXX, in plenty of time to beat the end of the month credit reporting deadline. Representatives will not escalate my case to superiors and have told me my only option is to file a dispute with the credit companies. However, filing a dispute with the credit bureaus will not show that Launch was negligent in their duty of care to me by giving me incorrect information, twice, and then being slow to process my paperwork. XXXX Last XXXX of ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I notified the credit bureaus that I am a victim of identity theft in XX/XX/year> and XXXX XXXX the XXXX XXXX account on my credit report is not mine. I never paid a settle to anyone. and ive never had an account with them. therefore that makes this a fraudulent account or some type of error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I notified the credit bureaus that I am a victim of identity theft in XX/XX/year> and XXXX XXXX the XXXX XXXX account on my credit report is not mine. I never paid a settle to anyone. and ive never had an account with them. therefore that makes this a fraudulent account or some type of error

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