vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts : - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX XXXX  XXXX Account No. XXXX ( Unverified Account ) These accounts were not authorized by me and were opened using my personal information without my knowledge or consent. This constitutes a violation of my federal rights under the Fair Credit Reporting Act ( FCRA ) and a defamation of character in my credit report.

Under 15 U.S.C. 1681, Section 602 ( a ), I have a right to privacy, and the law explicitly recognizes the need to protect consumers from the dissemination of inaccurate or unauthorized personal credit information.

Furthermore, 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) clearly states that a consumer reporting agency may not furnish a consumer report to a third party without the consumers written instructions. I have never provided such written authorization for the opening or furnishing of these accounts. Therefore, their presence on my report is unauthorized, unlawful, and damaging.

You are now on notice that these entries are not only inaccurate and unverifiable, but also illegally placed and defamatory. I demand that they be removed immediately to prevent further harm.

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 2025-12-03 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: AZ

Complaint narrative:
In order to buy a home I must have a credit score of XXXX or above. Unfortunately, I do not believe my credit score is XXXX or above, because although I paid my debts Experian and TransUnion will not remove negative information from my credit report that has been resolved. Under XXXX  law, I believe a repo can only be on your credit report for XXXX years after being repoed. I do not know who benefits from negative information being on my credit report : My former creditors or the credit reporting agencies? Why would anyone want to hurt and/or hold anyone back from trying to do the right thing and better themselves? They got their money : Now allow me the opportunity to seek and live the American Dream of home ownership. Finally, how many other people are in this situation that do not have the knowledge and/or courage to stand up to XXXX big organization they did not wish to support?

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 2025-12-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX Experian Experian XXXX  Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681i, 1681s-2 ( a ), 1681s-2 ( b ), 1681c-2, and 1681e ( b ), you are required to : - Conduct a timely reinvestigation of disputed information ; - Delete or block any information that is inaccurate, incomplete, can not be verified, or results fromidentity theft or unauthorized use ; - Notify all applicable credit reporting agencies of any corrections or deletions. 
Because I did not authorize these accounts and they can not be properly verified as mine, they must be removed from my credit file. 
I am formally requesting : 1. A complete reinvestigation of each account listed above.

2. Deletion and/or blocking of any item that is unverified, inaccurate, fraudulent, or unauthorized.

3. Written confirmation of the results of your investigation, including an updated copy of my credit reportshowing the deletions. 
I, XXXX XXXX XXXX, am formally disputing the following accounts that appear on my credit report. These accounts are not mine, were not authorized, and/or contain fraudulent or inaccurate information. I am requesting their immediate removal. 
Accounts in Dispute ( Requesting Deletion ) : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX BANK XXXX XX/XX/XXXX Thank you for your prompt attention. 
Sincerely, 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, I was the victim of a scam involving criminals impersonating XXXX XXXX. I initially booked a legitimate XXXX ticket  for {$1800.00} on my Citi card. On the day of travel, I could not check in my minor children online and searched XXXX for XXXX customer service number. I unknowingly reached scammers who claimed my childrens booking had failed and demanded a second payment of {$2000.00} to fix the reservation, promising refunds. They emailed me a fake confirmation from a non-XXXX  XXXX email address. 

After my trip, the real XXXX XXXX confirmed : They never received the {$2000.00}. 
They never spoke to me that day. 
My childrens original booking was valid all along. 
The second charge was not associated with them. 

This means the {$2000.00} charge did not go to the merchant shown and was an unauthorized fraudulent transaction. 

Citi has repeatedly misclassified this as a dispute instead of fraud. I have spent months being transferred back and forth between Citis XXXX and XXXX departments, with each department insisting the other is responsible. I requested the evidence Citi used to deny my claim and a clear explanation of their classification decision, but they did not provide it. Their investigation was incomplete and did not consider the airlines statements or the fake email domain used by the scammers. 

I am requesting the CFPBs assistance to require Citi to properly treat this as an unauthorized fraudulent transaction, reopen the claim, and credit the account.

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 2025-12-03 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: GA

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not pertain to me ; delete them within 15 days in compliance with USC 1681g.

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 2025-12-03 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My XXXX XXXX has been declining all transactions for the past several days, including small, low-risk purchases such as {$11.00} at XXXX and {$27.00} online. I contacted XXXX multiple times and they repeatedly told me to try another merchant, but the card is declining everywhere. XXXX refuses to explain the reason for the declines, refuses to check for a security hold or risk block, and refuses to escalate my issue to their risk department. 

They are not allowing me access to my available credit line, and they are refusing to provide any written explanation for the restriction. Customer service keeps giving scripted responses and is not resolving the problem. 

I am requesting that the CFPB require XXXX to : 1. Explain in writing why my card was blocked, 2. Remove any improper risk or security holds, and 3. Restore access to my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

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 there 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 2025-12-03 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: VA

Complaint narrative:
Transunion has repeatedly abused digital disputes, email & physical communications and has repeatedly failed to report the amount of hard inquiries, as well as has failed to listen to the consumer and has acted as a " credit agency '' it has lied about my score to keep it low along with the other three bureaus. All three companies have attempted to shield themselves from liability as " creditors ''

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 2025-12-03 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-03 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services has been holding my auto repair check for {$14000.00}, which was sent by my car insurance. This check was supposed to be endorsed and returned within a few days. 

However, they have delayed the process for a month and a half, causing me to lose two months of income. Although my car has been repaired, their representative has been unable to provide me with any information regarding the check. This situation has left me in debt and extremely stressed. 

The financial burden of waiting for the check has become significant due to the lost wages and the stress it has caused. I am considering pursuing legal action against them for the lost wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine, and they must be deleted within 15 days as USC 1681g requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
XXXX XXXX XXXX ( a debt buyer ) is inaccurately reporting late payments on my credit reports, even though I never had a credit account or payment agreement with them. Debt buyers can not report late payments because there is no original creditor relationship with me and no payment schedule I ever agreed to. 

The account is also a duplicate of XXXX XXXX account already reporting ( or previously reported ), which is misleading and artificially harms my credit score. 

I have disputed this several times with the credit bureaus and XXXX, but the inaccurate information continues to be reported. 

This violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information that is inaccurate or misleading FCRA 15 U.S.C. 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute FDCPA 15 U.S.C. 1692e ( 8 ) communicating credit information known or that should be known to be false CFPB Regulation V, 12 CFR 1022.42 & 1022.41 ( b ) duty to correct and update information ; duty to investigate disputes XXXX did not provide any documentation that I ever had a contract, payment schedule, or agreement with them. A debt buyer can not legally create a late payment history for an account that never existed. 

I am requesting that CFPB require XXXX to : Delete the inaccurate late payment data, and Remove the duplicate collection account from my credit reports entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
XXXX XXXX XXXX ( a debt buyer ) is inaccurately reporting late payments on my credit reports, even though I never had a credit account or payment agreement with them. Debt buyers can not report late payments because there is no original creditor relationship with me and no payment schedule I ever agreed to. 

The account is also a duplicate of XXXX XXXX account already reporting ( or previously reported ), which is misleading and artificially harms my credit score. 

I have disputed this several times with the credit bureaus and XXXX, but the inaccurate information continues to be reported. 

This violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information that is inaccurate or misleading FCRA 15 U.S.C. 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute FDCPA 15 U.S.C. 1692e ( 8 ) communicating credit information known or that should be known to be false CFPB Regulation V, 12 CFR 1022.42 & 1022.41 ( b ) duty to correct and update information ; duty to investigate disputes XXXX did not provide any documentation that I ever had a contract, payment schedule, or agreement with them. A debt buyer can not legally create a late payment history for an account that never existed. 

I am requesting that CFPB require XXXX to : Delete the inaccurate late payment data, and Remove the duplicate collection account from my credit reports entirely.

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