vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-06 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate reporting on my credit report related to a rental debt with National Credit Systems in the amount of {$550.00}. I have settled this debt in full, and I have a receipt as proof of the payment and settlement. Despite resolving the debt, my credit report continues to reflect this account inaccurately, which is negatively impacting my credit profile.

I am requesting that this account be updated to reflect its settled status in accordance with the Fair Credit Reporting Act ( FCRA ). I have made every effort to resolve this matter directly with the company, and I am now asking the CFPB to assist in ensuring that my credit report is corrected promptly.

I am happy to provide the proof of settlement upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-06 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: AZ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX, during the XXXX pandemic, I entered into a forbearance on my XXXX mortgage due to a XXXX XXXX emergency that left me hospitalized and unable to work. The forbearance was presented as a way to temporarily pause payments during a time of crisis. I was never clearly informed that the resolution would involve a {$150000.00} HUD Partial Claim lien being placed on my home. 

This lien was not fully disclosed to me at the time, nor was the long-term impact explained such as how it would prevent me from refinancing or selling my property in the future. I only recently discovered the lien while speaking with a loan XXXX about refinancing options. This came as a shock, as I believed the forbearance had been resolved and my mortgage brought current. 

I never knowingly agreed to a lien of this size or nature, and I believe the company failed to provide adequate and transparent disclosures about the consequences of the forbearance. I am requesting that the lien be fully or partially forgiven due to medical and financial hardship, lack of informed consent, and the ongoing impact this lien is having on my financial and housing stability.

I have contacted HUD and my servicer ( Midland Mortgage ) requesting relief, and I am seeking the CFPBs help to ensure accountability and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX XXXX {$5000.00} Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint against Citibank regarding duplicate payments made through its online bill pay system, which have resulted in financial loss and a lack of accountability from the bank. 

Background : On XX/XX/XXXX, three duplicate bill payments of {$260.00} each ( totaling {$800.00} ) were automatically processed by Citibank to my XXXX XXXX ( XXXX ). These payments were not manually initiated by either me or my co-signer. The account had a long-standing automatic recurring payment setup, and no changes were made that would have triggered this behavior. 

I immediately contacted Citibank after discovering the overpayments. However, they denied any system error and stated that the payments were initiated through my co-signers login credentials. They refused to provide system logs or other documentation, citing security reasons, despite my request for supporting evidence. 

Repeated Issue : On XX/XX/XXXX, the same issue occurred again three more duplicate payments of {$260.00} were scheduled. After I contacted Citibank again, they manually stopped two of the three duplicate payments, preventing a full recurrence. However, due to the payment confusion, I incurred a {$70.00} penalty from the XXXX, which Citibank refused to reimburse, stating it is a third-party charge outside their responsibility. 

Their investigation continues to insist the payments were initiated from our end, despite no manual intervention and an otherwise consistent auto-pay setup. They refuse to acknowledge the possibility of a system error or to release relevant activity logs to support their claim. 


Please find attached screenshot of the duplicated payments. Citi reference # XXXX and XXXX which continues to deflect responsibility. 

Thank you for your attention to this matter. 

Sincerely, citibank customer

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 2025-08-06 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: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX {$7000.00} Account Number XXXX * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am filing a complaint regarding a charged-off Discover credit card that is currently being reported on my credit file. I submitted written disputes to all three credit bureaus and to Discover directly, requesting verification and documentation of the debt under the Fair Credit Reporting Act ( FCRA ).

It has been over 30 days, and I have not received any documentation, investigation results, or verification. The account is still being reported, despite the lack of a timely and proper response from Discover.

Per the FCRA, any information that can not be verified must be removed. Since Discover has failed to validate the debt or respond accordingly, I am requesting that this account be deleted from my credit report.

I have included my dispute letters and a copy of my credit report showing the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute of charge off account and unauthorized transaction ( XXXX ) I am writing this letter in response to the above-referenced account. According to a letter I received from XXXX XXXX on XX/XX/XXXX This account was reportedly charged off and sold to a third-party collection agency. The letter also states that XXXX XXXX will no longer accept payments from this alleged debt. If you have in fact sold this debt, you are no longer the legal owner and therefore have no legal authority to collect, accept payments, or report a balance owed. Also this alleged debt is showing different payment history on transition XXXX  and Experian, which is another violation of my rights. 
On XX/XX/XXXX WITHOUT my permission XXXX XXXX collected {$200.00} from my savings account as a payment towards this alleged debt. Which is also a violation of my rights. 

Under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), it is a violation to misrepresent the character, amount, or legal status of any debt. Additionally, continuing to report or collect on a debt after it has been sold may constitute fraudulent misrepresentation and a violation of both FDCPA and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which mandates accurate credit reporting. 

It is also in violation of Electronic Fund Transfer Act ( XXXX ) and its implementing regulation, Regulation XXXX ( XXXX C.F.R. XXXX ). Which states a company can not withdraw funds without your permission. 

This is hurting me and my family well being and stopping us from purchasing a house.

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 2025-08-06 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: NY

Complaint narrative:
Subject : Dispute of charge off account and unauthorized transaction ( XXXX ) I am writing this letter in response to the above-referenced account. According to a letter I received from XXXX XXXX on XX/XX/XXXX This account was reportedly charged off and sold to a third-party collection agency. The letter also states that XXXX XXXX will no longer accept payments from this alleged debt. If you have in fact sold this debt, you are no longer the legal owner and therefore have no legal authority to collect, accept payments, or report a balance owed. Also this alleged debt is showing different payment history on transition XXXX  and Experian, which is another violation of my rights. 
On XX/XX/XXXX WITHOUT my permission XXXX XXXX collected {$200.00} from my savings account as a payment towards this alleged debt. Which is also a violation of my rights. 

Under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), it is a violation to misrepresent the character, amount, or legal status of any debt. Additionally, continuing to report or collect on a debt after it has been sold may constitute fraudulent misrepresentation and a violation of both FDCPA and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which mandates accurate credit reporting. 

It is also in violation of Electronic Fund Transfer Act ( XXXX ) and its implementing regulation, Regulation XXXX ( XXXX C.F.R. XXXX ). Which states a company can not withdraw funds without your permission. 

This is hurting me and my family well being and stopping us from purchasing a house.

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