vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15U.S Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procesures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information or incomplete disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that, the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-26 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15U.S Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procesures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information or incomplete disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that, the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank is furnishing inaccurate information to the credit bureaus regarding this account. 

Balance exceeds credit limit without verification The reported credit limit on this account was {$550.00}, yet Barclays is reporting a {$690.00} past-due balance. No itemized explanation has been provided to justify how the balance exceeds the credit limit. Reporting a balance greater than the credit limit without clear, verifiable documentation is inaccurate and misleading. 

Conflicting charge-off and past-due reporting Barclays reports that {$320.00} was written off, while simultaneously reporting the full {$690.00} as past due. This creates an internal inconsistency in the account status. Once a balance is charged off, reporting must be clear, accurate, and consistent. Reporting both a written-off amount and the full balance as past due misrepresents the accounts true status. 

Improper postcharge-off monthly reporting The account was charged off in XX/XX/year>, yet Barclays continues to report repeated monthly charge-off statuses for XXXX, XXXX, and XX/XX/year>. This appears to be improper re-reporting and XXXX constitute illegal re-aging, which unlawfully extends the accounts negative impact. 

Account closed but still reported as 100 % utilized and delinquent The account is marked closed at credit grantors request, yet continues to reflect 100 % utilization and ongoing delinquency without proper clarification. Closed charge-off accounts must be reported with precision, which has not occurred here. 

Despite the above issues, the account continues to be verified and reported, causing ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has called me XXXX times. They use fake and spoofed numbers so you can not block them. I have begged them to stop and filed a police report. I do not owe them or anyone else any money and I have a XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing to notify you that I am a victim of identity theft/fraud. Accounts have been opened using my personal information without my knowledge or authorization. These accounts do not belong to me, and I am not responsible for any charges, balances, or collection activity associated with them. 
Despite my previous written disputesincluding multiple letters and a recent message submitted through your online portalPYOD/Resurgent XXXX XXXX continues to report fraudulent information on my credit reports. This ongoing reporting is a violation of federal law. 
Enclosed, you will find a copy of my FTC Identity Theft Report, a 605B letter, and an additional written request demanding that this fraudulent account be deleted immediately from all of my credit reports. TransUnion, Equifax, and any other reporting agency must remove this information, as continued reporting is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am disputing multiple accounts currently appearing on my credit report that are completely unknown to me. I did not open, authorize, or manage these accounts, nor was I aware of them until reviewing my credit file. Reporting accounts that do not belong to me is unacceptable and results in inaccurate and misleading information being associated with my financial history. I take the accuracy of my credit report very seriously, and the presence of these unknown accounts has caused significant concern.

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 2025-12-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint concerns Citibanks failure to properly escalate and investigate a disputed charge involving a refundable deposit that was misprocessed as a sale, resulting in ongoing financial harm. I am filing this complaint regarding Citibanks handling of a credit card billing dispute and its failure to follow standard chargeback and consumer protection procedures. 

I am a Citibank credit card holder ( XXXX ) and initiated a dispute regarding a XXXX charge from a merchant, XXXX XXXX ( XXXX ). The charge was represented to me as a refundable authorization hold / security deposit, but was instead processed as a completed sale. No damage was found, no invoice or damage documentation was issued, and no refund has been provided. 

I have repeatedly requested that Citibank escalate this matter to a formal chargeback under XXXX dispute rules for failure to refund a deposit, and that the provisional credit be reinstated during the investigation. Despite multiple phone calls and written requests, Citibank has failed to do so. 

Specifically : I have contacted Citibanks dispute department multiple times by phone and email. 
I was repeatedly told my request was being sent to the appropriate department, but no escalation occurred. 
On a call with a supervisor ( XXXX, XXXX, FL office ), I was informed that dispute agents do not have authority to reinstate provisional credit or escalate the case, and that only an investigation team can do so. 
I was not provided a direct contact for that team. 
I was told someone would contact me. No one has. 

It has now been more than XXXX days since my last written escalation request, with no response of any kind. 

As a result of Citibanks inaction : Provisional credit has not been reinstated. 
Interest continues to accrue on a disputed charge. 
I am experiencing financial harm and loss of access to the protections I reasonably expect as a XXXX cardholder. 
I am being forced to re-engage directly with the merchant, undermining the purpose of the dispute process. 

Citibank has failed to provide clear escalation, timely investigation, or meaningful communication, and appears to be routing me in a circular process where no department takes responsibility. 

I am requesting that Citibank : Immediately escalate this dispute to the appropriate chargeback investigation team. 
Reinstate the provisional credit during the investigation. 
Cease interest accrual related to the disputed amount. 
Provide written confirmation of the actions taken. 

I am requesting CFPB assistance to ensure Citibank complies with its obligations under credit card dispute handling and consumer protection standards. 

Sincerely, XXXX XXXX United States

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
UCC 9-614 ( XXXX XXXX XXXX, XXXX XXXX, Section XXXX ) dictates the required content and format for a secured party 's notice to a debtor before selling or disposing of collateral in a consumer-goods transaction, ensuring the debtor knows their rights, like redeeming the property or getting an accounting, with specific mandatory information ( who, what, when, where ) and a safe harbor form for compliance. 

I was not notified when or where the car was sold, how much the car was sold for or the sale price for it. The amount the car was sold for was not applied to my balance owed. I was not informed that the amount the car was sold for would be applied to my balance! I also did not receive the POST REPO NOTICE! Therefore this account is inaccurate. If you believe you have proper notification please provide XXXX MAIL, within 45 days, with receipts displaying my signature. If not please delete account # XXXX & account # XXXX from my credit report or I will take LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is over charging my account with unknown fees and late payment fees, even though I've called them and informed them that I'm experiencing financial struggle due to medical bills. I called Capital One and spoke to XXXX back in XXXX I asked why they had reported late payments on my account and the agent responded that the payment was made on either XXXX or XX/XX/year>, or when the due date is the XXXX of every month. For those XXXX  months XX/XX/year>, XX/XX/year>, & XXXX & XX/XX/year>, I called the company and let them know that I had some medical bills that I needed to take care of. I was making payments but not the full amount. My account is currently still open and is in good standing. Also, the agent has removed a late payment and refunded my account for the late payment I was charged, and she was unable to do the others because the date was over XXXX  days, which is not true after reading the consumer law. All XXXX credit bureaus are reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX - Asked to have new card mailed to my address in order to access my online account and edit payment information details. 
XX/XX/XXXX- XXXX asked for new card to be mailed to my updated address. I was told via phone that the account address had been updated. 
XX/XX/XXXX- Account closed without communication as to why or ability to reopen. 
XX/XX/XXXX - Called Citibank to verify changed address and inquire about reopening my account while maintaining the promotional APR of 0.00 % until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NJ

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 2025-12-26 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: 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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
XXXX XXXX XXXX stated in its CFPB response that it had terminated collection efforts and would request deletion of its tradeline. Despite this representation, the XXXX XXXX tradeline remains present and/or continues to be furnished to consumer reporting agencies after the date of that response. XXXX XXXX did not verify the account, did not assert accuracy, and did not reserve the right to continue furnishing. Continued reporting after this written withdrawal constitutes furnishing information the company knows should not be reported and represents a failure to comply with a CFPB-mediated resolution. I request immediate confirmation that all furnishing has ceased and deletion has been completed with all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : 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 TU : 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 non-monetary relief