vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$160.00} Inquiries XXXX XXXX  - Date : XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. XXXX XXXX XXXX XXXX XXXX, CA XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
In XXXX XX/XX/year>, Comenity capital bank offered me to spend {$1000.00} withuse of their XXXX XXXX card & they'll refund/add {$200.00} credit to my XXXX. I Paid off the account balance in Few days, but Comenity has refused to add/credit/refund the {$200.00}. They admit that l Have met the requirement. But lately they stated I must file grievances & wait around more. They forced me to call many times. Which is not doing business in mature american way. CFPB h must help to make them to perform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After reviewing a copy of my credit report, I have noticed that i have fraudulent accounts listed on my credit report. The negative accounts have impacted my ability to obtain new credit. Please remove the negative acounts from my credit report as i have been a victim if identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened up a kohls capital one card. I made the payment on the due date prior to cut off time. They still charged me interest and late fee. They would not reverse it. I have had impeccable credit until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently became aware that my personal data was compromised as part of the TransUnion data breach. Due to this breach, I believe that some of the negative information appearing on my credit report may be a result of identity theft, inaccurate reporting, or misuse of my personal data.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following negative items and a complete removal if they are found to be inaccurate, unverifiable, or linked in any way to the data breach incident.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts reported on my credit report. These accounts are showing as " charged off, '' and I believe they are inaccurately reported. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute Reason : I believe this account is inaccurately reported. The account status does not match my records. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Dispute Reason : The account was paid in full and should not be reported as charged off. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : The balance is incorrect, and I request an investigation into this entry. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account was reported incorrectly as it shows a {$0.00} balance but was charged off. 

Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX HMF Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Complaint Title : Failure to Block Fraudulent Account Despite FTC Identity Theft Report Complaint Description : I submitted an FTC Identity Theft Report and requested deletion of a fraudulent Affirm account ( account ending in XXXX ). Despite providing all documents required under FCRA 605B, XXXX and Experian did not block the account. 

Instead, the furnisher updated the account after my identity theft filing. My report now shows : Status : Open. {$670.00} written off.

Balance increased after my dispute Comment added : First payment never received Status updated in XX/XX/year> Updating the tradeline after receiving my FTC Identity Theft Report violates FCRA 605B, which requires the furnisher and bureau to block fraudulent information within 4 business days. 

I am requesting immediate deletion of this account from all three credit bureaus due to improper handling of an identity theft report and continued inaccurate reporting.

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 2025-11-14 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This is a follow-up complaint referencing prior CFPB Case # XXXX. 

Citibank closed my account and is still unlawfully withholding funds from a deposited check that they already removed from the issuers account. The check issuer confirms they can not recall the funds because Citibank already took them.

Citibank has refused to release the funds and has not provided any written justification, any regulatory exception, or any availability timeline under
Regulation CC. Citibanks response in the previous CFPB case was generic and did not address the issue. They still retain my money with no explanation.

The funds remain in Citibanks possession and the bank continues to refuse to return them. I am requesting that the CFPB require Citibank to explain the legal basis for withholding the funds and release them immediately.

Please review this as a continuation of the original case, as the unlawful behavior
is ongoing.

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 2025-11-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> using my cash app account. I added {$120.00} to the account to be transfer to my sister. The money was transfer but they also received two unauthorized transactions, one for {$120.00} and another for {$100.00}. They added the {$120.00} back to my cash app but not the {$100.00}. They acknowledge {$100.00} but would not give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
There has been some unwanted reporting on my consumer report that seriously violated my right as a consumer, I am calling the attention of the involved parties to look into this and remove the accounts involved according to 15 U.S Code 1681b Permissible purpose of Consumer reports any consumer agency may only furnish a consumer report in accordance with the written instructions of the consumer to who it relates 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

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off 3 credit cards with Capitol One onXXXX .It cleared the bank on XXXX.I get call and email saying they need extra verification. We sent bank statements, then they said full acct number wasn't on statements then we sent in a voided check.Then they said they needed to call our bank to verify the payments came from bank account that it was paid on .We sent in every thing .The paid off cards were put on restriction and allowed to charge me interest.Even though the money for all 3 cards totaling about {$4000.00} was cleared on XXXX XXXXThey charged me interest on XXXX.After 20 days and numerous attempted phone calls with me on phone line trying to three way the bank .. And speaking with over 8 representatives from capitol one .Who told me they only needed the phone verification to remove restrictions and interest.Today we finally got the bank to verify on 3 way call.The capitol one rep after that asked for another bank statements showing the money that came out on XXXX XXXXThis request was not what they told me .They said only phone verification. The representative demanded it .Then he removed restrictions but told me they are not removing the interest on my paid off accounts. Not only did they make interest on my money they received 20 days ago .They continued to charge me interest on my credit card and refused to credit me .. Is that legal to double charge interest. They're practices are not ethical in my opinion and shameful how they treated an XXXX XXXX XXXX paying off her credit card debts.This needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am disputing the following items on my Experian credit report. These items include charged-off accounts, inquiries, and late payments that need to be reviewed for accuracy and corrected : Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} BANKRUPTCY Case Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-14 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: FL

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies I have noticed on my credit reports with the three major credit bureaus. The details of the accounts in dispute are outlined below. I request that these issues be investigated, and the necessary corrections be made to reflect accurate information.

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account has been marked as charged off, but there are no further details provided, and I request verification of its status, including proof of any outstanding balances. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I dispute the charged-off status of this account as no payments or outstanding debts have been shown. I request documentation confirming this charge-off.

Unknown Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} The nature of this account is unclear. I am requesting clarification on the account holder and any associated details. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} While this account is listed as charged off, I dispute the reported balance and request proof of the debt. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my consent. I request confirmation of the legitimacy of this inquiry. 

XXXX  Date : XX/XX/XXXX I dispute this inquiry as I did not authorize it and request validation of its source. 

XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my knowledge or permission. I request verification and removal of this inquiry if found unauthorized. 

Late Payments : XXXX XXXX  Account Number : XXXX I dispute the reported late payment status and request supporting documentation, including payment history and details of any alleged missed payments. 

XXXX XXXX XXXX XXXX Account Number : XXXX I am requesting verification of the late payments reported, as I have records showing no such delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

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 explanation