vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is currently listed on my TransUnion credit report as derogatory. This misrepresentation violates FRCA XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ), XXXX ( b ), XXXX ( a ), XXXX and XXXX of the Fair Credit Reporting Act ( FCRA ). I disputed the account with all three primary credit reporting agencies. Experian responded with a Dispute Results Report No : XXXX generated XX/XX/year>. The report indicates that an investigation was conducted and the account is now reporting as " PAID ''. XXXX XXXX XXXX even provided a paid in full letter which clearly states that the account would be reported as " paid in full. '' Despite this commitment, the account continues to be falsely reported as derogatory by TransUnion. A summary of the violations include, FCRA XXXX ( a ) ( XXXX ) ( A ) : XXXX  XXXX XXXX XXXX, as the data furnisher, is providing inaccurate information even after receiving notice of prior disputes. They are knowingly furnishing false data contrary to their written payoff terms. FCRA 623 ( a ) ( 2 ) : XXXX XXXX XXXX has failed to promptly update or correct the information despite knowledge of its inaccuracy after previous disputes. FCRA 607 ( b ) : Each credit reporting agency is required to follow reasonable procedures to assure maximum possible accuracy. The inconsistencies here clearly demonstrate a failure in procedure. FCRA 611 ( a ) : The credit bureaus have failed to properly reinvestigate my disputes or remove unverifiable and conflicting information within the required timeframe. FCRA 616 and 617 : Willful and negligent noncompliance with FCRA provisions entitles me to actual damages, statutory damages, punitive damages, and legal fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Citi Bank regarding their failure to issue a {$320.00} account opening bonus that was clearly promised as part of their promotion. 

I opened my account with Citi Bank on XX/XX/year>, and have met all the requirements to qualify for the bonus. However, as of today, I still have not received it. 

The way Citi Bank has handled this issue has been extremely unprofessional and misleading, for the following reasons : They claimed I did not submit the required XXXX form, which is false. I mailed a properly completed XXXX form immediately after being informed that it was needed. 

Later, they told me my address was incorrect which is also not true. I confirmed that the address I submitted is accurate and fully compliant. 

It has now been nearly XXXX months since I sent the form, and I have received no clear explanation, no rejection notice, and no communication about what was supposedly wrong. 

I spent time, effort, and postage to comply with their requirements, and now they are asking me to mail it again without providing a valid justification. 

This experience has been frustrating and feels like a deliberate attempt to avoid paying the bonus. I am requesting CFPB 's help to investigate this matter and ensure that Citi Bank fulfills its promotional obligation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX  Date : XXXXXXXX/2025

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 2025-07-30 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
This account was paid off on XX/XX/scrub> 2025 and it was closed the same day. However it is still showing up on my credit report as open and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I received an email from XXXX in XX/XX/XXXX claiming I owe {$270.00} for an old XXXX account. They state that as of XX/XX/XXXX, I owed {$230.00}, with {$42.00} in added fees. 

This is the first time I was ever notified of this balance. I was a XXXX customer in XXXX, but I paid off my phone in full and successfully transferred my number to XXXX XXXX never notified me of any unpaid balance during or after the switch. 

When I contacted XXXX directly in XX/XX/XXXX, they confirmed that my account was written off and referred me to the collection agency. I then contacted XXXX and formally disputed the debt, requesting validation. As of now, they have not provided any documentation supporting the claim. 

I believe this debt is inaccurate or unsubstantiated, and I am requesting that the CFPB investigate and ensure that this is not reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LA

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 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 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 XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$21000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TN

Complaint narrative:
Complaint Type : XXXX XXXX XXXX : Experian Issue : Reporting inaccurate, incomplete, or unverifiable information after prior disputes Narrative to Submit to CFPB : I am filing a formal complaint against Experian for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically their failure to correct or delete accounts previously disputed. The following items remain on my Experian credit file despite being unverified, incomplete, and harmful, in direct violation of FCRA XXXX ( a ) ( XXXX ), XXXX ( a ), XXXX ( b ), and XXXX ( a ) : XXXX. XXXX XXXX XXXX Status : Closed Charged-off {$12000.00} Violation : Experian is reporting a charge-off with no original creditor listed, violating FCRA XXXX ( a XXXX ( XXXX ). I have never been provided with documentation verifying this debt, its ownership, or amount owed. 

XXXX continued reporting of this unverifiable debt after dispute constitutes negligent and willful noncompliance. 

XXXX. XXXX XXXX XXXX : Closed with XXXX potentially negative months Violation : No specific delinquencies or charge-off details are shown, rendering this entry vague and incomplete. Experian failed to mark this account as disputed and failed to provide any documentation, violating FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ). 

XXXX. XXXX XXXX XXXX XXXX XXXX : Closed with XXXX late payments ( XX/XX/year> days ) Violation : Experian failed to validate the alleged delinquencies and provided no supporting documentation. This is a breach of FCRA XXXX ( a ) ( XXXX ) ( A ). 

I previously submitted formal disputes to Experian. They responded that their investigation was completed, yet no proper reinvestigation or verification was conducted, and no original documentation was provided as required by law. These accounts remain on my report and are contributing to credit denials and reputational harm. 

I am demanding : Immediate removal of the above accounts from my Experian file Full compliance with FCRA XXXX standards Written confirmation of deletions within XXXX business days I reserve the right to pursue legal action under FCRA XXXX and XXXX and seek statutory, actual, and punitive damages, in addition to complaints filed with the FTC and XXXX Attorney General.

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 2025-07-30 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: CO

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
I had an account opened with XXXX XXXX, I was XXXX and identify theft happened XX/XX/year>. I was at XXXX XXXX. Therefore they messed up my account and I had to close it to fix it. Meanwhile I opened a new account with Dollar Bank, well I was living with a XXXX  who ended up going to XXXX  for XXXX  XXXX and I moved out well when I moved all my banking information and debit card was sent to his address before I could do a address change and he also took advantage of my account and it got closed. So now XXXX trying to open up account anywhere for my direct deposit to go thru from work and I keep getting denied!!!! What do I do?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I never approved these accounts, which were opened through identity theft ; remove them within XXXX  days according to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: LA

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 XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) as proof from the XXXX 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