vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am reaching out to dispute a late payment that appears on my credit report. After a detailed review of my records, I have found no indication of a delay on my part.

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 2025-08-04 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: MI

Complaint narrative:
Im filing a complaint against Citibank for denying my dispute related to a XXXX charge of {$1200.00} made on XX/XX/XXXX. I intended to purchase XXXX XXXX XXXX concert tickets for the XX/XX/XXXX show but was mistakenly charged for 6 tickets. I realized the error immediately but XXXX has a strict no-refund policy and refused to help in any way. I contacted them multiple times and was told all sales were final, even though I did not receive the intended number of tickets.

Because the venue later changed the stage layout and the group I was attending with could no longer go, I had no choice but to resell the tickets. I took a loss of {$550.00}, and have attached documentation showing this.

I submitted a dispute to Citi, explained the situation clearly, and provided evidence. Despite multiple attempts to get Citi to review or escalate this fairly, they denied the claim without acknowledging the merchants refusal to resolve or the financial impact on me. I am not requesting a full refundonly the amount I lost due to an honest mistake.

Citi is expected to protect consumers in cases where no remedy is available through the merchant. I respectfully request a partial refund of {$550.00} to account for the loss I incurred after being overcharged and forced to resell the extra tickets.

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 2025-08-04 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: IL

Complaint narrative:
XXXX XXXX is filing a formal complaint against XXXX XXXX, and TransUnion for reporting several unauthorized, inaccurate, and unverifiable accounts on her consumer credit report. XXXX asserts that she never applied for, opened, nor gave written consent for these accounts to be furnished or reported.

Despite her lack of authorization, the following debt collectors have been reporting derogatory information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are impacting her credit score negatively and were reported without permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Additionally, the credit reporting agencies have failed to ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

XXXX has submitted disputes to all three credit bureaus requesting investigations, verification, and deletion under 15 U.S.C. 1681i, but seeks intervention due to the continued reporting and the lack of timely resolution or verifiable documentation.

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 2025-08-04 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block permanently and Remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-04 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
Company sold my personal information and my Identity information and have created a financial hinderance and has stop me from being able to use my credit

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 2025-08-04 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: CA

Complaint narrative:
Company sold my personal information and my Identity information and have created a financial hinderance and has stop me from being able to use my credit

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 2025-08-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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 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 2025-08-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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 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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Claimant opened a claim against me and my XXXX account XXXX claim number XXXX After talking to the claimant he cancelled the claim with his current bank Ally financial. Claimant asked the bank to provide a written letter stating this but instead received a letter stating that they investigated the claim and found out that it was authorized. This is not what actually happened and they refused to provide another one stating the truth. Because of the words not stating that the claimant cancelled the claim, my bank XXXX XXXX refuses to re instate my XXXX account because it shows on their end that the claim still opened.

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 2025-08-04 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 writing regarding a late payment that appears on my credit report. I have consistently paid this account on time and believe this report may be in 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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Subject : Dispute of XXXX Transaction Claim XXXX XXXXXXXX To : Wells Fargo XXXX XXXX XXXX  Dear Wells Fargo XXXX XXXX, I am writing to formally dispute a XXXX transaction in the amount of {$1700.00}, associated with Claim XXXX XXXXXXXX, which was wrongfully denied. 

This transaction was the result of fraud by deception. I was misled by an individual posing as a legitimate business contact. I paid for legitimate business products ( injections for my licensed wellness business ), which were never delivered. This was not a mistake or authorized purchase it was a scam. 

The seller used deceptive practices and false advertising to gain my trust and payment. This violates the terms of use for XXXX and constitutes fraud under Regulation E of the Electronic Fund Transfer Act. 

I respectfully request a reinvestigation and that you escalate this to your fraud claims department or legal team for further review. I am also filing reports with the FTC, CFPB, and the platform the scammer used. 

Thank you, 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 explanation
Consumer complaint received 2025-08-04 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: FMA Alliance, Ltd.
State: MS

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject of Complaint : Unauthorized Sharing of Personal Information and Harassment Involved Entities : XXXX XXXX FMA Alliance , Ltd. ( Third-Party Collection Agency ) To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX for the unauthorized disclosure of my personal and financial information to a third-party debt collection agency, FMA Alliance, Lt

d. , without my express written consent or prior knowledge. This disclosure constitutes a severe violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). Without receiving any prior notice, XXXX XXXX  furnished my private information to FMA Alliance, who has since launched an aggressive and harassing campaign of communication against me. I have received numerous letters and unsolicited, harassing telephone calls from FMA Alliance. These communications have not only caused severe emotional distress, but they have also disrupted the nature of my employment due to the volume, tone, and persistence of their contact. 

I did not authorize XXXX XXXX to release or share any of my personal, financial, or account-related information to FMA Alliance or any third-party agency. Under the provisions of the GLBA, financial institutions are required to protect consumer data and are prohibited from disclosing such information to unaffiliated third parties without proper notice and the opportunity for the consumer to opt out. In this case, none of these protocols were followed.

Furthermore, the FDCPA strictly prohibits third-party debt collectors from engaging in any form of harassment or conduct that may reasonably be expected to abuse or harass the consumer. FMA Alliances actions have grossly violated these statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 XXXX XXXX, which falls under XXXX  according to Trafficking-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 four 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 2 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: LA

Complaint narrative:
I was notified via credit monitoring of a park plaza account on my credit file. This account was illegally bought from an affiliate AFTER the affiliate was unable to verify information relating to debt and in return was removed from my credit report due to inaccurate reporting and information. This company park place has not contacted me about this account nor did they provide validation of debt before buying and reinserting on reports therefore violating fcra 15 USC 1681. Their illegal practices is interfering in approval and creating obstacles due to tainting my report. I have sent a letter dating XX/XX/year> and will pursue with obtaining legal counsel regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to dispute a late payment that has been reported under my account. Upon reviewing my financial records, I have found no indication that this payment was delayed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information from my credit report have been denied or ignored. As a consumer, I am aware of my rights, and those rights are being violated by the continued reporting of information that is not maximally accurate. This is unfairly damaging my credit score and negatively affecting my life.

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