vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have submitted XXXX FTC Identity Theft Reports ( Report # XXXX and # XXXX ) and a notarized Affidavit of Identity Theft, dated XX/XX/year>, to both Experian and Equifax. 

Despite submitting these documents under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian and Equifax have refused or failed to block and remove the following fraudulent accounts and hard inquiries from my consumer file : Fraudulent Accounts Include : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries were reported without my consent or authorization. I did not open or apply for any of them. My personal and financial information was used fraudulently and has caused me emotional harm, credit damage, and ongoing hardship. 

I specifically requested removal/blocking under FCRA 605B , which Experian and Equifax are federally obligated to comply with once proper documentation is received. I submitted everything required, yet the accounts remain.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have submitted XXXX FTC Identity Theft Reports ( Report # XXXX and # XXXX ) and a notarized Affidavit of Identity Theft, dated XX/XX/year>, to both Experian and Equifax. 

Despite submitting these documents under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian and Equifax have refused or failed to block and remove the following fraudulent accounts and hard inquiries from my consumer file : Fraudulent Accounts Include : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries were reported without my consent or authorization. I did not open or apply for any of them. My personal and financial information was used fraudulently and has caused me emotional harm, credit damage, and ongoing hardship. 

I specifically requested removal/blocking under FCRA 605B , which Experian and Equifax are federally obligated to comply with once proper documentation is received. I submitted everything required, yet the accounts remain.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
It is absolutely ridiculous that as of late XXXX XXXX, Citi is suddenly not accepting electronic payments from banks and forcing individuals to either provide Citi with their personal bank account information to Citi, creating additional vulnerabilities for customers, or forcing individuals to mail checks, creating extensive personal identity theft vulnerabilities. Further, for customers with mailed checks ( including those mailed by banks on behalf of customers ), it seems extremely suspicious that Citi further is then not processing the bank checks in a timely manner, therefore creating fee and interest revenue due to a Citi created " problem. '' XXXX XXXX XXXXXXXX stated to me that Citi is no longer accepting electronic payments from XXXX XXXX XXXX over certain amounts, but Citi will not disclose to XXXX XXXX XXXXXXXX what that amount threshold is, so XXXX XXXX XXXXXXXX is forced to now mail paper checks for their customers ' payments. Open-source research reveals that this is a similar situation at numerous banks, if not all banks, paying Citi bills on behalf of their banking customers. 

How is it possible that Citi 's technology is stepping backwards, from accepting electronic payments from other banks for decades to now only accepting US Mailed checks ... BUT Citi is somehow still able to pull electronically payments from banks if they are initiated by Citi? 

Most importantly, how much revenue is Citi self-generating by delaying processing of checks ( and knowing checks will be delayed in the US Mail ) for payments that should be processed as electronic payments, for customers who have extensive histories of YEARS and YEARS of electronic payments? 

I was charged {$240.00} in fees and interest for XX/XX/year> by Citi because they didn't process my check, which was sent by XXXX XXXX XXXXXXXX in more than enough time for processing. Because XXXX XXXX XXXX called Citi, on my behalf, and disclosed how far in advance they mailed the check, Citi removed the fees and interest as a " one time courtesy. '' How many people don't realize Citi is now delaying their check processing and charging fees/interest, therefore generating revenue for Citi?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On the XX/XX/XXXX, I went to XXXX to get a member ship card, and I was given a Citi Credit card. When I realize the next day that the information collected was for a credit card, I called to cancel it, and it was done. On XX/XX/XXXX I discovered a drop on my credit score related to CBNA which I then called and found out that it was the same Citi bank. I called and gave my complaint. The bank confirmed with me that the account was close and nothing will affect my credit again. On XX/XX/XXXX, I witness another XXXX point of credit drop damaging my credit score. I want to believe my information is being used illegally either by the bank or still a case of Identity theft which I have been a victim from a couple of companies in the past. For the credit card I have never used the card, and no card was sent to me. I want the CBNA to prove that that I created an account with and have used the card. 
I really plead with you to investigate the issue properly and XXXX XXXX to reinstate my Credit lose. 
Thank for your time.

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 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A target credit card was opened under my name fraudulently. I received a statement balance in the mail today for more than USD XXXX from a Target store in the XXXX on XX/XX/year>. I was working the day of the charges and was not even in the XXXX nor did I open a credit card through Target. Someone must have my personal information and I need to know the next steps on how to prevent this from happening in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card 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 writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am submitting this complaint because Caine & Weiner is falsely reporting themselves as the original creditor for a debt listed on my credit report. This is factually and legally incorrect. Caine & Weiner is a third-party collection agency. They did not originate this account, and the failure to identify the true original creditor violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite repeated attempts to obtain accurate information, the collection entry : Lists Caine & Weiner as both the creditor and collector, which is misleading and materially false. 
Fails to identify the actual origin of the debt. 
Has materially harmed me by preventing access to housing, employment, and credit during a period of homelessness. 
Continues to be reported as open and placed for collection with no factual or legal basis. 



Legal Violations Involved 1. FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers must report complete and accurate information to the credit bureaus. Listing a collection agency as the original creditor is misleading and false.

2. FDCPA ( 15 U.S.C. 1692g ( a ) ) : Failure to validate the debt and provide the name of the original creditor upon request is a direct violation.

3. CFPB Regulation V 12 C.F.R. 1022.41 : Credit information must reflect the source and ownership of the debt clearly and truthfully.

Consumer Harm I have been denied housing, lines of credit, and basic stability due to this misrepresentation. The {$400.00} entry, while small in amount, has caused significant damage to my ability to secure a permanent address. I have faced : Homelessness, Inability to pass tenant screenings, Loss of creditworthiness, and Emotional distress due to repeated rejections. 

Had the debt been properly validated or deleted, I would have been in a substantially different position. I can not rebuild while an inaccurate and misleading trade line remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: WA

Complaint narrative:
b'TransUnion never investigated anything they report whatever they want even though I have documented everything and have my credit card statements its been almost 4 months and after numerous disputes XXXX  as well'

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 2025-06-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
had someone send me {$68.00} dollars to my account and later got an email of Zelle saying the person who sent me the {$68.00} has to sent me {$500.00} to upgrade it into a business account and later not took money out of my account XXXX times which was XXXX I called my bank and Zelle and Zelle said I couldnt cancel the transaction and how the same person who sent my the {$68.00} has to refund me the money it was just a hussle to try and get my money back and such chaotic!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Applied for a HELOC loan for an existing mortgage that we are ahead on by XXXX payments. Mr Cooper mailed us a advertisement telling us to apply for a loan of up to 75 % of the equity in our home. We have {$480000.00} in equity and make payments by weekly for over XXXX years. 
We applied for a no inspection amount of {$120000.00} to do home improvements. 
XXXX our loan officer requested documentation of income and tax statements on XX/XX/year>. I emailed and downloaded into mr Cooper system XXXX separate occasion on XXXX XXXX. After this date XXXX with MR Cooper communicated few additional items on XX/XX/year>. After this XXXX disappeared never returned a phone call or email. Emailed him over XXXX times and called XXXX times over the next XXXX weeks. I was contacted by a XXXX requesting the documents that I sent to XXXX and uploaded to the Mr Cooper loan center. I did this XXXX times for the XXXX. Never heard back from him. 
I reached out to a manager XXXX XXXX who i relayed this information to via email and several phone calls. XXXX was somewhat helpful but I was told that the entire loan had been XXXX incorrectly and that I would have start over. XXXX admitted that I had been treated wrong and basically abandoned by his team. I asked to speak with his manager SRVP of Mr cooper I relayed how disappointed I was and how this isn't right. He agreed and apologized. My loan was approved as debt consolidation loan paying off a car that my business pays for and a credit card my business pays for. As I stated this isn't a debt loan this is home improvement loan they refuse to hear this and will not help. 
Paying off a bill that my business owes and a car puts me into tax issue. 
They do not care. 
The issue is my loan is XXXX on a XXXX  year fixed mortgage they aren't making money off of it they want to force me into a new higher loan that does nothing for me. 
This wrong and unethical and un professional. This isnt how mortgages are suppose to work. If we had been late or behind then yes this would help but it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX XXXX ( XX/XX/XXXX ) Experian CAPITAL XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX ( XX/XX/XXXX ) Experian XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX  ( XX/XX/XXXX ) Equifax

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 2025-06-28 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: PR

Complaint narrative:
XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX XXXX ( XX/XX/XXXX ) Experian CAPITAL XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX ( XX/XX/XXXX ) TransUnion XXXX XXXX ( XX/XX/XXXX ) Experian XXXX ( XX/XX/XXXX ) Equifax XXXX XXXX  ( XX/XX/XXXX ) Equifax

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
-List all accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S Code 1636 15 U.S Code 1692g I looked at my Experian credit report on ( XX/XX/2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief