vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
This whole matter began a week ago Friday when I received a text from Citibank inquring if I recognized a {$28.00} charge. I did not recognize the charge and typed N in the reply. I did not receive any furhter information or notifications from Citibank that they were canceling my card and reissuing a new one to me due to this on letter reply. I was unaware that they had taken this action when I attempted to use the card at the post office the next morning for a {$10.00} purchase which was declined. I immediately worried what was happening, perhaps my card was overdrawn which would have meant someone had been fraudulent or unknown charges were approved. Either way I was distressed and stressed until I could travel back to my home and get on the computer and realize that Citibank had cancelled my card and was reissuing a new one. I immediately called Citibank to express my desire to continue with my current card because I did not want the extra work required to notify all my current auto pay creditors for that card. When I phoned I was serviced by clearly outsourced individuals to another coutnry on behalf of Citibank and explained this to them. At no point did this representative explain to me how simpel and easy this process would be, rather she argued and would not listen to my need to have this accomplsihed. While this was happening I was on line and she was telling me I needed to complete the page that popped up and approve the charges that were needing boxes checked. At no time did Citi help me understand that what I really was checking on these boxes were disputes. They subsequently showed up as fraud disputes and I became of this only after I hit the send button, rather than even a pop up that would say are you sure you want to dispute these acounts. Again with a click XXXX accounts were disputed without my permissoin. I called Citi immediately and said these were not disputed. They refused to remove the dispute notification within XXXX minutes of it being posted. I have been calling Citibank eveyr day over 12 separate occasions to get htis straighted out. I've tried to email the CEO to state my grievances. I've been told by XXXX customer service representatives that they would remove the disputes and authorize the funds to my vendors/merchants. They have done neither to a very high financial devastation to all of them. I am hereby requesting {$4000.00} from Citibank to cover allt he costs and fees of their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Hard Inquiries on Credit Reports in Violation of FCRA 604 & 609 Consumer Name : XXXX XXXX I am filing this complaint because Experian have reported several unauthorized hard inquiries on my credit file, which I did not initiate or authorize. Under the Fair Credit Reporting Act ( FCRA ) 604, consumer reporting agencies must ensure that only permissible purpose inquiries appear in my file, and under 609, I have the right to full disclosure of who requested my credit report and why. 

Details of Disputed Inquiries : Experian : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Auto Financing XXXX XXXX XXXX ( XX/XX/XXXX ) Miscellaneous Finance XXXX XXXX XXXX ( XX/XX/XXXX ) Auto Financing XXXX XXXX ( XX/XX/XXXX ) Auto Financing XXXX XXXX  ( XX/XX/XXXX ) Auto Financing XXXX XXXX XXXX ( XX/XX/XXXX ) Auto Financing XXXX XXXX XXXX ( XX/XX/XXXX ) Credit Unions XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Auto Dealers, New XXXX XXXX ( XX/XX/XXXX ) Miscellaneous Finance XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Credit Unions XXXX CO ( XX/XX/XXXX ) Bank Credit Cards XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Auto Financing XXXX XXXX ( XX/XX/XXXX ) Auto Dealers XXXX XXXX XXXX XXXX XX/XX/XXXX ) Auto Financing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
his is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

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 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 2025-07-18 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: TX

Complaint narrative:
THIS IS MY SECOND DISPUTE .MORE THAN 30 DAYS HAS PASSED SINCE I DISPUTED ERRORS ON XX/XX/year> I am writing to formally dispute the auto repossession account reported by [ Creditor or Lender Name ] on my credit report. This entries appears on my credit file and are inaccurate, unverifiable, and damaging to my credit profile. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting immediate removal of this account from my credit report for the following legal reasons : LEGAL GROUNDS FOR DISPUTE : 15 USC 1681b ( Permissible Purpose ) : No entity is allowed to furnish or access my consumer report without a legally permissible purpose. Please provide documentation showing that [ Creditor Name ] had a permissible purpose to report or continue reporting this repossession to your bureau.

15 USC 1681c-1 ( Blocking Information Resulting from Identity Theft ) : If this account is the result of fraud, identity theft, or unauthorized activity, I reserve the right to request it be blocked. If you can not fully validate the origin of this account, it must be removed.

15 USC 1681c-2 ( Request for Reinvestigation and Removal ) : This provision requires consumer reporting agencies to block and remove disputed information within four business days if the data furnisher can not provide full verification and documentation of its accuracy.

15 USC 1681s-2 ( Duties of Furnishers of Information ) : The lender is required to report accurate information. If they have failed to investigate and correct inaccurate or incomplete information after notice, they are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
THIS IS MY SECOND DISPUTE .MORE THAN 30 DAYS HAS PASSED SINCE I DISPUTED ERRORS ON XX/XX/year> I am writing to formally dispute the auto repossession account reported by [ Creditor or Lender Name ] on my credit report. This entries appears on my credit file and are inaccurate, unverifiable, and damaging to my credit profile. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting immediate removal of this account from my credit report for the following legal reasons : LEGAL GROUNDS FOR DISPUTE : 15 USC 1681b ( Permissible Purpose ) : No entity is allowed to furnish or access my consumer report without a legally permissible purpose. Please provide documentation showing that [ Creditor Name ] had a permissible purpose to report or continue reporting this repossession to your bureau.

15 USC 1681c-1 ( Blocking Information Resulting from Identity Theft ) : If this account is the result of fraud, identity theft, or unauthorized activity, I reserve the right to request it be blocked. If you can not fully validate the origin of this account, it must be removed.

15 USC 1681c-2 ( Request for Reinvestigation and Removal ) : This provision requires consumer reporting agencies to block and remove disputed information within four business days if the data furnisher can not provide full verification and documentation of its accuracy.

15 USC 1681s-2 ( Duties of Furnishers of Information ) : The lender is required to report accurate information. If they have failed to investigate and correct inaccurate or incomplete information after notice, they are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 4 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 Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-07-18 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: CO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 4 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 Address : XXXX XXXX XXXX # XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was recently charged interest of {$200.00} on a promotional balance because I was unaware that the end date was approaching for the promotional balance. I had looked in previous months all over the statement and even went to their app to find it, but I could not. I had a problem with my payment in XXXX and had a long discussion with them about avoiding interest and late fees, and they actually moved the date that the payment was due for me. At no time did they ever mention that the promotional balance was past due. It wasnt until XXXX when I called to clarify the end date did I realize it was in XXXX. And they said probably that they dont put it on their statements or in their website, but that Im welcome to call. This is less than transparent, and since I made every effort to avoid late fees and interest, I think they should just waive the interest. I also paid off the entire balance of {$6600.00} so I dont owe them anything except the interest. Ive called them several times and they say they cant help me by giving me amnesty on the interest, even though if I explained that they had a part in this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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