vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile.

Details of the hard inquiry : XXXX  - Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX  Inquiry Dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year> I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to any entity to perform a hard inquiry on my credit report. These unauthorized inquiries has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made.

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, 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 2025-12-09 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:
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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 am a verified victim of identity theft affected by the TransUnion XX/XX/year> data breach, as well as additional major data breaches affecting XXXX consumers and I have filed an official FTC Identity Theft Report, Report ID : XXXX. My stolen personal information has resulted in fraudulent activity on my TransUnion credit file, including the XXXX XXXX XXXX inquiry dated XX/XX/year> and the DEPT OF ED entry dated XX/XX/year>, all of which I did not authorize. Pursuant to FCRA 604, 605B, 611, 623, and 616617, I am demanding an immediate block and permanent deletion of all identity-theft-related information, a forensic audit and source verification of the unauthorized access, proof of permissible purpose for all inquiries, and full compliance with reinvestigation and furnisher obligations. This letter also serves as my consumer fraud statement and request for a fraud alert, and is submitted under penalty of perjury to enforce my rights under federal law.

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 2025-12-09 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: GA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Incorrect Previous Addresses I am disputing the following addresses as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at these addresses, and they must be removed.

B. Incorrect Previous Names TransUnion currently shows no previous names.

Please ensure no incorrect names are listed internally. 

C. Charged-Off Accounts Reporting Incorrectly I am disputing the following charged-off accounts as inaccurate or not mine : XXXX  Account XXXX XXXX XXXX Reported Date : XX/XX/XXXX Balance : XXXX XXXX XXXX  Conflicting dates across bureaus indicate potential inaccuracy. 

Please validate or remove. 

XXXX XXXX Account XXXX XXXX XXXX  Reported Date : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX I do not recognize this account. 

I request immediate validation and removal if inaccurate. 

XXXX XXXX Account XXXX XXXX XXXX Reported Date : XX/XX/XXXX Balance : {$280.00} XXXX XXXX I do not have sufficient information proving this account belongs to me. 

I request a full investigation and removal if the furnisher can not validate ownership and accuracy.

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 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
There is an account from XXXX XXXX XXXX with SYNCOM in the amount of {$4500.00} opened XX/XX/25 that I did not open nor do I know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The following accounts are disputed with TransUnion due to inaccurate reporting of charged-off status and late payments. The consumer requests that these accounts be thoroughly investigated and corrected as necessary in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 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: 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 non-monetary relief
Consumer complaint received 2025-12-09 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 previously disputed these items and requested full removal/correction. Despite that, the company continues to report these tradelines and fails to provide a meaningful, evidence-based resolution. This is a violation of the companys duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ) .If the company claims the information was verified, I request full details of the verification process, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ), not a generic statement.I am requesting CFPB assistance because this inaccurate reporting is causing ongoing harm and the company has not resolved the matter through normal dispute channels.

The following account is reported in connection with my file : XXXX XXXX  ( XXXX ), opened XX/XX/XXXX, balance {$2.00} XXXXXXXX XXXX ( XXXX ), opened XX/XX/XXXX, balance {$10.00} XXXX XXXX XXXXXXXX ( XXXX ), opened XX/XX/XXXX, balance {$0.00}

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Let me be clear that this complaint is legitimate and requires immediate attention. 
My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are exerting a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessaryit is critical.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Complaint Against Citibank Unlawful Credit Card Account Closure # XXXX I am writing to formally file a complaint against Citibank regarding what I believe to be a violation of my consumer rights. 
Citibank closed my credit card account without providing prior notice or explanation. This action has negatively impacted my financial standing and access to credit. The closure appears to have been triggered by an issue with a replacement card that I never received. According to Citibank, a replacement card was mailed to me, but the XXXX XXXX XXXX XXXX failed to deliver it to my address. Despite the fact that I did not receive the card, Citibank proceeded to close my account without giving me the opportunity to resolve the matter. 
I consider this action to be unfair and detrimental to me as a consumer. Closing my account without notice, and over circumstances beyond my control, is both unreasonable and harmful. I respectfully request that CFBP investigate this matter and assist in holding Citibank accountable for its practices. I am seeking the following resolution : Reinstatement of my
credit card account.

Assurance that Citibank will provide proper notice before taking adverse action against consumers in the future.

A review of Citibanks policies regarding undelivered replacement cards to prevent similar issues.

Please let me know if you require any additional documentation or information to support my complaint. I appreciate your assistance in addressing 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
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
An auto loan account from XXXX in the amount of {$2900.00} was opened XX/XX/2019 and I did not open this account nor do I know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 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: GA

Complaint narrative:
I respectfully request that TransUnion review the following disputed accounts to ensure their accuracy. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$180.00} Inquiries : XXXX  XXXX, Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I checked into the hospital the bill was about {$600.00}. 
In late XXXX XXXX of XXXX, I closed said account with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake ( or its agent ) repossessed my vehicle. I had personal property inside the vehicle at the time including luggage from travel with personal identification documents passports, money, XXXX XXXX, electric scooters 2, social security card for children and passports, clothing, equal to the amount of XXXX. 

After repossession, I repeatedly requested documentation of the repossession ( including date/time, towing agent, location ) and an itemized inventory of personal property removed from the vehicle. I also requested instructions for retrieving my property. 

To date, I have received no response, no documentation, no itemized inventory, and no opportunity to retrieve my belongings. My property remains missing.

I believe this is a violation of my consumer/property rights. I request that Westlake Financial Services : 1. Provide full repossession documentation and chain-of-custody information ; 2. Provide an itemized inventory of all personal property removed from my vehicle ; 3. Return all my belongings immediately, or compensate me for their loss ; 4. Provide a written apology/confirmation of receipt, and guarantee no further loss of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX I was charged XXXX from XXXX it wasnt me. I filed a dispute and they gave me my money back. Then on XX/XX/XXXX I was charged another XXXX from XXXX. This was impossible I was in another country. I also had a travel alert set in my bank app. They gave me my money back and then two weeks ago sent a letter saying they denied my claim and were going to take the XXXX out. They did and I called them and said no way it was me I was out of the country. I need this money XXXX is a lot for me I live paycheck to paycheck and pay bills. They also have told me 8 times they were going to send me a new debit card and I still have not received one. I just want my money back

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