vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint against Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding two accounts that are being inaccurately reported on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a written dispute requesting the immediate deletion of the false late payment and the correction or removal of the inaccurate XXXX XXXX data. I am requesting the CFPB to investigate these violations, require the credit bureau to correct or delete the inaccurate information, and hold them accountable for failing to maintain accurate consumer reporting as required by 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 explanation
Consumer complaint received 2025-08-13 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: OK

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

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 2025-08-13 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: AR

Complaint narrative:
An account is reporting on my credit file that does not belong to me. It may be due to a reporting error or a mixed file issue, where information from another consumer has been incorrectly included in my report. I have no relationship with the listed creditor and no financial history connected to this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), an personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of XXXX XXXX XXXXXXXX ), that appears to the aforementioned account opened at Capital XXXX as labeled on my report, and a a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of $ ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I also attached the screenshot proof of data breach below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 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 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 2025-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a deposit into my credit Karma account from my XXXX IRS refund. It was the only way to in order for me to get my tax refund the fastest way it wasnt letting me send it to my bank account for some reason I didnt qualify. Ive had the credit Karma account since XXXX. I believe along with my XXXX account so I was connected to that so Ive never had money in my credit Karma until this until I got this deposit the number I had attached to it whenever I would try to withdraw my money into my debit card today it kept saying sending a verification code and asking for a verification code. I wasnt receiving the verification codes, so I guess I attempted too many Times And it was said you can not you can not transfer at this time error code. I was on chat because you cant call a number to talk to a representative, about anything but your money account nothing with I have to do tech technically or whatever they will help you over the phone only through chat, so Im on chat for three hours for them sending to me a different department so I can help me And not being able to get the help that I need being told this enable that I dont have a physical card because this is the first time I put money in this account so its gon na take till the XXXX for me to get the card and I cant get log to log into the app because its not sending me the code And supposedly you can use your virtual card that way, but on the website I cant use a virtual card its not letting me add to my digital wallet. I need to pay for my son school clothes for school on Monday. I just had XXXX XXXX and I cant get no one to help me and theyre sending me a different department different department and they cant help me they want me to close my account and send me a check. I dont understand why so hard for me to access my account When I watch my money to my account and that the problem is not mean that not me its like theyre not getting a code. I get a code for anything else from my phone, but XXXX, so I cant access my funds but I need..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$380.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$380.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am formally filing a complaint with CREDENCE RM data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My limit is {$300.00} currently but was XXXX and I used {$190.00} after paying it off. I tried to go buy school supplies and card wouldnt go through. They lowered my limit to {$100.00} showing XXXX dollars available without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am filing a formal complaint against [ Insert Bureau : Experian, Equifax, TransUnion ] for reporting incorrect names and addresses on my credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain only accurate, complete, and verifiable information.

My correct and only valid information is as follows : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX, FL XXXX I demand the immediate deletion of any and all name or address variations that do not exactly match the above information. The inclusion of inaccurate personal identifiers is not only misleading but also harmful, as it may lead to credit denials, mistaken identity, and unfair evaluations.

Legal Basis for My Request : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) Requires the prompt investigation and correction of disputed information ; while the statute allows 30 days, due to the nature of this error and the immediate risk, I am demanding correction within no more than 4 business days.

15 U.S.C. 1681g ( a ) ( 1 ) Entitles consumers to receive all information in their file, including accurate personal identifiers.

15 U.S.C. 1681i ( a ) ( 5 ) Requires the deletion or correction of inaccurate or unverifiable information and mandates written notification to the consumer.

Requested Actions : Immediately delete all incorrect addresses from my credit file.

Remove any and all incorrect name variations from my file.

Provide me with written confirmation of these corrections along with an updated credit report.

Failure to comply within the specified 4 business days will leave me with no choice but to escalate this matter to additional regulatory and legal authorities for FCRA violations.

Enclosed are copies of my government-issued identification and proof of current address for verification purposes.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against [ Insert Bureau : Experian, Equifax, TransUnion ] for reporting incorrect names and addresses on my credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain only accurate, complete, and verifiable information.

My correct and only valid information is as follows : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX, FL XXXX I demand the immediate deletion of any and all name or address variations that do not exactly match the above information. The inclusion of inaccurate personal identifiers is not only misleading but also harmful, as it may lead to credit denials, mistaken identity, and unfair evaluations.

Legal Basis for My Request : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) Requires the prompt investigation and correction of disputed information ; while the statute allows 30 days, due to the nature of this error and the immediate risk, I am demanding correction within no more than 4 business days.

15 U.S.C. 1681g ( a ) ( 1 ) Entitles consumers to receive all information in their file, including accurate personal identifiers.

15 U.S.C. 1681i ( a ) ( 5 ) Requires the deletion or correction of inaccurate or unverifiable information and mandates written notification to the consumer.

Requested Actions : Immediately delete all incorrect addresses from my credit file.

Remove any and all incorrect name variations from my file.

Provide me with written confirmation of these corrections along with an updated credit report.

Failure to comply within the specified 4 business days will leave me with no choice but to escalate this matter to additional regulatory and legal authorities for FCRA violations.

Enclosed are copies of my government-issued identification and proof of current address for verification purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citibank sent me a letter stating they are no longer attempting to collect the remaining balance on my Macys American Express account ending in XXXX. Prior to that, XXXX XXXX XXXX, acting as Citibanks collection agent, sent me a letter on XX/XX/year> confirming they closed the account in their office on XX/XX/year> and returned it to Citibank. 

Despite both written statements confirming that no entity is servicing or collecting this account, Citibank has continued to allow the account to be reported to all three credit bureaus XXXX XXXX XXXX XXXX XXXX  ). This is continued reporting of an account that is not being collected or verified by any party, and is therefore unverifiable under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( b ). 

I previously disputed this account with the credit bureaus, but Citibank failed to provide any mailed verification containing a signed contract or application proving ownership. The only verification provided was a billing statement, which does not satisfy the requirement for proper verification under the law. 

I am requesting that the CFPB require Citibank to immediately delete this account from all credit bureaus and cease all reporting. I am attaching : 1. Citibank letter dated XX/XX/year> XXXX. XXXXXXXX XXXX XXXX letter dated XX/XX/year> XXXX XXXX cease and desist/closure letter dated XX/XX/year> This account is damaging my credit profile with no legal basis for continued 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