vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-22 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$1000.00}

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 2025-08-22 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: TN

Complaint narrative:
I am filing this complaint regarding multiple items currently appearing on my credit report that I believe are either inaccurate, unverifiable, or misreported. The accounts and inquiries in question are as follows : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX, Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-22 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$8700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$43000.00} XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$190.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX XXXX Account Name XXXX XXXXXXXX Account Number XXXX XXXX Open Date XXXX XXXXXX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$490.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$810.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Reported unauthorized transactions on my debit/visa card. did so by phone and chat. after a week i was given a temporary credit of funds but my card was blocked so i could not access these funds. every single time i call i am instructed to open a chat in the app. i do do and its always with anonymous " agent ''. never a name or even employee number. every single time after explaining the situation i am told to refer to the email i received on this date, i have never once received these emails. not in spam or junk. they always say to wait. after going back and fourth on the chat or phone finally i find out yesterday that my account and debit card or locked and can not be unlocked because they are closing my account. they claim i received this email on the XXXX. again, did not. nor can they provide proof of any email. 

anyhow no problem, they have the right to shut my account, but the provisional credits issued to me are inaccessible. what is the point of regulation cc when businesses can circumvent the credits " given '' to the customer. there is no way other than the card or digital card which they have closed, they say they can not issue a check, they have no physical locaiton or partner bank. they said they can transfer my debit card balance of XXXX into my crypto.com fiat/cash account which has not been closed. im told that is the only way, i have requested that to be done, but apparently that is a request they put. in. they can not tell me to what team/department, i can not speak to anyone who handles that, and the most frustrating part if they can not give me absolutely any time frame of how long or when i will be given access to my XXXX that is in my account but wholly and wrongfully inaccessible. 
this is the shadiest and least professional handling of a consumers funds. i depend on those funds, and i feel im being given the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account reported under my name. I never opened, applied for, or authorized this account. Its reporting is false and unfairly tarnishing my financial reputation.

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 2025-08-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CITIBANK, N.A.
State: AP

Complaint narrative:
In XX/XX/year>, I filed a dispute regarding an account reporte

d by Macys/Citibank that I believe is not valid. The company requested an additional 60 days to verify the account. However, instead of providing documentation or verification, the account was abruptly updated on my credit report as Closed. This action does not resolve the issue. The company has already been unable to locate this account under my Social Security Number, making verification impossible. Changing the status to Closed continues to leave derogatory information on my credit history without proof of validity. This is unfair, misleading, and materially harmful to my financial standing. As an active-duty service member and father of two, I take my financial obligations seriously, but I should not be penalized for a debt that no one can substantiate. The companys actions appear to be stalling and do not satisfy the Fair Credit Reporting Acts requirements for verification.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the presence of a fraudulent account in my credit profile. I did not authorize or open this account, and its inclusion is wholly inaccurate. This false reporting is unjustly damaging my creditworthiness.

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 2025-08-22 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: LA

Complaint narrative:
1. I have not authorized the credit reports release in writing to any of the following companies/organizations listed 2. Im in full understanding that my consumer rights have been violated due to the rules outlined in .. 15 U.S.C . 1681b, / 15 U.S.C.1681b , 3. All financing was done by third party lender of which account has since been paid in full and close. The dealership had no right to share my information with the companies/ organizations listed. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone made a fraudulent transfer of {$12000.00} plus a {$510.00} transaction fee from my bank of america credit card account to a discover bank account, which I don't have. Bank of America did an investigation on it and sent me a report saying they are charging ME for it because of either a signed receipt from the merchant or contract, which I never did. I would have done that in other ways if I had needed the money that urgently. They themselves had sent me notice that there was suspicious activity on my account, called and I contacted them as soon as I got the message.

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 2025-08-22 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXXXX/XX/year> INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE XXXX XXXXXX/XX/year>

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate my disputes across Experian, Equifax, and TransUnion, as well as multiple furnishers including XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX I have disputed these accounts multiple times, yet each bureau responded that the accounts were verified as accurate. Despite this, the reporting contains clear Metro 2 violations and does not comply with the Fair Credit Reporting Act ( FCRA ). Furnishers are failing their duty under FCRA 623 to report accurately, and the bureaus are failing under FCRA 611 to conduct reasonable reinvestigations. 
For example, XXXX XXXX is reporting a Term Duration field even though collections must not report any term. It also reports payment history where Metro 2 requires blank fields for collections, and continues to report Balance History as if it were an open loan, which is prohibited. XXXX is reporting a Past Due Amount even though the account was charged off, when Metro 2 requires past due amounts to be {$0.00} once charged off. It also continues to report monthly payment history after charge-off, when those fields should be blank, and updates the account as if it were still active instead of frozen at the charge-off date. XXXX reports High Credit and Credit Limit values even after closure, which Metro 2 requires to be blank. It also continues to report a Payment History Profile for closed accounts, and shows ongoing balances that do not match the closure or charge-off status. XXXX XXXX is reporting High Credit despite the account being closed, continues to report a Past Due Amount when closed accounts should reflect {$0.00}, and also reports a Payment History Profile when Metro 2 requires blank fields once an account is closed. 
Because these accounts continue to update inaccurately each month, my creditworthiness is being harmed repeatedly. I have been denied credit approvals and apartment applications due to this false reporting. These errors directly impact my ability to obtain housing and fair access to credit. I am requesting that the CFPB require the credit bureaus and furnishers to provide the method of verification used to mark these accounts accurate, to correct or delete the accounts that continue to violate Metro 2 reporting standards, and to ensure payment history, balances, and account statuses are updated to reflect accurate information. The failure of furnishers and credit bureaus to maintain accurate reporting and perform proper investigations is negligent, harmful, and in direct 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citizens Bank due to ongoing issues with my debit/credit card and the banks customer service. My card is frequently declined for reasons labeled as fraud or due to an inability to authenticate transactions. This has affected a wide range of payments, including bills, online and in-store purchases, and transfers to my other bank accounts. I am also unable to transfer funds to other accounts because these transactions are similarly declined, preventing me from completing payments even by using another card. 

Most recently, I was unable to make my car payment or complete a phone purchase. In the first case, I was informed that my bank does not allow payments with my card. In the second, the transaction was blocked because the bank could not authenticate it. These repeated issues have caused significant inconvenience and stress. 

This has been a recurring problem for well over a year, with no resolution provided despite multiple attempts to address it. 

Customer service has been unhelpful & often rude. I receive no alerts to verify or authenticate transactions, and assistance is only available during weekday business hours ( XXXX ), leaving me without support for urgent matters outside these hours. 

As a result of this ongoing poor service, I intend to withdraw my funds and close my account once my balance clears. Additionally, I am seeking compensation for the substantial time I have spent trying to resolve these issues, including hours on hold with the fraud department. 

I am requesting that the CFPB intervene to help facilitate a resolution and ensure that Citizens Bank addresses these systemic issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$7000.00} XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4200.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2200.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2800.00} XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$3100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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