vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
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 2025-11-21 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:
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 2025-11-21 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a complaint regarding the recent closure of my Citi credit card account. Citi requested that I send in a document for verification, and I complied by submitting the required paperwork on time. However, when I later called to confirm that the document had been received, I was informed that my account had been closed. 

This is extremely concerning, as I fulfilled Citis request and acted in good faith. I would like Citi to thoroughly investigate this matter and explain why my card was closed despite me providing the required 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 monetary relief
Consumer complaint received 2025-11-20 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: NY

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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-11-21 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$33000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$8800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$250.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$3700.00} - Date Opened : 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 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Both my Comenity XXXX and Comenity XXXX accounts were paid in full on XX/XX/year>. Comenity continued to show a balance due, accruing late fees and interest until they charged off the accounts later. Both accounts show as derogatory and have collection accounts attached, also showing as derogatory. That is XXXX completely innacurate accounts on my credit reports. I submitted a complaint already. I am submitting a new one as I have located the bank statement that shows payment to both accounts. It clearly is not an even dollar amount on either, showing that I was not making a standard monthly payment. To reiterate, these both were paid off in full and I demand Comenity correct the reporting in an accurate manner. I will also require a demand for XXXX  to delete both of the collection accounts. Please note the lines on my bank statement I have edged in pink highlighter- these show more credit accounts on the very same day that I also paid off. Comenity refuses to budge, insisting the reporting is correct but it IS NOT. They need to fix this immediately. It has been over XXXX years of these false derogatory marks on my credit reports. I reached out to them last spring requesting proof but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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  Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I financed {$10000.00} for window replacement through XXXX XXXX XXXXXXXX using Goodleaps XXXX no-interest if paid in full deferred-interest loan ( Loan Start Date XX/XX/XXXX ). 

Every monthly statement Goodleap sent prominently displayed a First Payment Date of XX/XX/XXXX and stated You will receive your first bill about 10 days before the first payment date under the header This notice is not a bill. The true Promotional Period End Date of XX/XX/XXXX ( after which all accrued interest is capitalized ) was listed in the same font size but was not emphasized, creating the reasonable impression that I had until XX/XX/XXXX to pay in full with no interest. 

On XX/XX/XXXX I discovered {$1800.00} in retroactive interest had been added. I paid the full {$11000.00} under protest to close the loan. Goodleap has refused a meaningful refund ( latest offer : only {$250.00} in exchange for a full legal release ). 

Goodleaps monthly statements are misleading and violate Truth in Lending Act/ Regulation Z clear-disclosure requirements for deferred-interest plans. 

I am requesting a full refund of the {$1800.00} interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am filing this complaint due to multiple hard inquiries that were placed on my TransUnion credit report without my written authorization or permissible purpose under FCRA 604. 

On my TransUnion credit report, the companies listed below accessed my consumer report and placed hard inquiries without my approval, without my written consent, and without providing proof of permissible purpose : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  XXXX XXXX XXXX XX/XX/year> I contacted these companies and requested validation of the inquiries and proof of permissible purpose including my signed authorization, application number, IP logs, and time stamps. None of the companies were able to provide verification or proof that I authorized them to access my credit file. 

These inquiries remain on my credit profile despite the fact that the furnishers failed to validate and failed to demonstrate compliance with FCRA 604, 607 ( b ), and 610.

TransUnion is continuing to report these disputed inquiries without marking them as disputed and without investigating or providing the method of verification, which is a violation of FCRA 611 ( a )
and 623 ( a ) ( 3 ). 

I am requesting the CFPB to intervene and require the following resolution : Removal of the unauthorized inquiries listed above from my TransUnion credit report, Confirmation that the furnishers are no longer reporting hard inquiries that they can not validate, Notice of reinsertion protections to prevent the inquiries from reappearing without proper documentation and 5-day notice as required under FCRA.

I am a victim of unauthorized credit pulls and the continued reporting of these inquiries is causing harm to my credit score and my ability to obtain credit at fair terms.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a complaint regarding the closure of my Citi XXXX credit card account and the lack of transparency and fairness in the handling of my verification documents. 

After opening my Citi XXXX card, I received an email from Citi stating that my card had been blocked pending submission of IRS Form 4506. I completed the form promptly and mailed it prior to the stated deadline. According to USPS tracking information ( XXXX XXXX : XXXX ), the form was delivered to Citi on XX/XX/XXXX. 

On XX/XX/year>, I contacted Citi to confirm that my form had been processed. Instead, I was informedwith no prior noticethat my account had been closed. When I requested an explanation, I was given no information whatsoever. This lack of communication and failure to acknowledge the documentation I submitted is unacceptable and does not reflect fair or equal treatment of customers. 

I complied fully and on time with Citis request, yet my account was closed without justification and without Citi reviewing, processing, or even acknowledging the documents I provided. This situation is unfair, damaging to my trust in Citi, and potentially harmful to my credit standing. 

I respectfully request the following actions : Immediate review and processing of the IRS Form 4506 delivered on XX/XX/XXXX, as confirmed by USPS. 

Reopening and reinstatement of my Citi XXXX card account, consistent with the instructions originally provided by Citi and the treatment other customers receive under similar circumstances.

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 2025-11-20 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management has been harassing me with repeated threats of a lawsuit during a phone call about XXXX accounts they claim to own. On XX/XX/year> at approximately XXXX XXXX, the representative told me multiple times that the company was planning to sue me, even though I have never received any written intent to sue, no pre-legal notice, and no court summons. These statements constitute false legal threats in violation of FDCPA 807 ( 5 ). 

When I attempted to negotiate a settlement, the representative continued using verbal threats of legal action to pressure me into paying a higher amount immediately. The tone of the call was intimidating, coercive, and abusive. I felt extremely scared and uncomfortable due to these aggressive tactics. 

Additionally, the balances and reporting dates Midland is furnishing to the credit bureaus do not match the original creditors information. XXXX charge-off letter lists a balance of {$1800.00}, while Midland reports a different balance of {$1700.00}. The dates of delinquency, charge-off, and other account details also do not match. This violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires debt collectors to report accurate and verifiable information. 

Midland also failed to provide full validation of the alleged debts under the FDCPA. The documents they sent did not include : a signed agreement or contract bearing my signature a complete itemization of how the balance was calculated a proper chain of title clearly showing the transfer of ownership with my account details They only provided generic billing statements, which does not satisfy FDCPA validation requirements. 

Because of the false threats, inaccurate reporting, and incomplete validation, I am requesting the CFPB to : 1. Investigate the representatives unlawful conduct 2. Stop the harassment and illegal threats 3. Require Midland to correct or delete the inaccurate information they are reporting 4. Require Midland to communicate with me in writing only going forward I am requesting full review and enforcement action for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer XXXX credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX CreditXXXX XXXX  XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX XXXX, capital XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, consumer portfolio SVC XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XX/XX/XXXX, flagship CRE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, GLOBAL LENDING SERVICE, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) these inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and XXXX FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer XXXX credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX CreditXXXX XXXX  XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX XXXX, capital XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, consumer portfolio SVC XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XX/XX/XXXX, flagship CRE XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, GLOBAL LENDING SERVICE, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) these inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and XXXX FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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