vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: KS

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced account as it appears on my XXXX  credit report. 
This account is being reported as " Open '' with an active balance and 207 % credit utilization. However, XXXX 's own records-viewable through my secure online banking accountconfirm that the account was closed over a week ago. This means the information being reported is factually inaccurate, incomplete, and misleading. 
Under FCRA 1681e ( b ), XXXX  is required to report information with maximum possible accuracy. Reporting an account as " Open '' when the furnisher 's own records confirm it is " Closed '' is a direct violation of this standard.

Legal Grounds : 1. FCRA 1681e ( b ) - Failure to maintain maximum possible accuracy.

2. FCRA 1681i ( a ) - Failure to reinvestigate and correct/delete inaccurate information.

3. FCRA 1681s-2 ( b ) - Furnisher 's duty to correct and update information once notified of a dispute. 
Required Action : I am demanding an immediate investigation into this account. Unless XXXX  and XXXX can produce documented, verifiable evidence that the account is in fact open, you must delete the account from my credit report entirely. Merely updating the status is insufficient where the reporting has already been shown to be false. 
Proof of Inaccuracy : I can provide a screenshot from my XXXX account showing that the account is closed, should you require it. If you are unable to verify the information with competent evidence, you are obligated to delete it.

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 2025-08-17 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: Possible Financial Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute Account Dear XXXX, I am writing to formally dispute the accuracy of information reported on my credit file. The account in question is being reported by Possible Finance ( POSSIBLEFINA ) with an alleged balance of {$210.00} and opened on XX/XX/XXXX. 

This information is inaccurate and unverifiable because : The reported open date of XX/XX/XXXX is a future date and therefore can not be correct. 
The account details contain missing or inconsistent information ( payment status and worst payment status both report No Info ). 
The high APR and balance calculation appear to be erroneous or misleading. 

Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  conduct a full investigation into this account. If the furnisher can not provide proper documentation verifying this debt, it must be corrected or removed from my credit report. 

Please provide me with written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
I took a look at my credit report and noticed a fraud 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 non-monetary relief
Consumer complaint received 2025-08-17 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: CT

Complaint narrative:
I am reaching out regarding my recent request for the removal of certain items from my credit report due to identity theft. As part of this process, I kindly ask that you furnish supporting evidence related to the accounts and inquiries in question. 

Providing this documentation will help clarify the situation further and ensure that my credit report is accurate and free from fraudulent information. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am a XXXX of XXXX XXXX. I am writing to formally dispute and request the removal of certain debts that were incurred in my name without my knowledge, consent, or benefit. These debts are not mine, and they were the result of coercion, fraud, or force by my XXXX. 
Under the Debt Bondage Repair Act, which amended the Fair Credit Reporting Act ( FCRA ), survivors of XXXX have the right to request the removal of debts that were the result of their XXXX experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
I had previously filed a complaint with the CFPB and as it turned out, the company agreed that I had been the victim of misuse of my credit report on XX/XX/year>, but to date they have not deleted the hard inquiries, thanks to that, more inquiries continue to appear on my credit report that I have not made. 

inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXXXXXX 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 2025-08-17 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Called the company listed on my credit report, Aidvantage, and gave my name and social security number. I explained it wasnt me and verified the new address on my credit report associated with the student loan is also false. Let them know Id be filing fraud with police. Called back the next day and this time they asked for my birthdate which was verified as false as well bc my birthdate wouldnt allow them to communicate with me further about the account that was in my name, lol! I was informed to go to the federal aid site and get the birthdate thats listed and then they could provide the phone number on the account. Of course, that didnt work bc Im not the one who took out a student loan. I couldnt verify the birthdate they have listed so I couldnt obtain any info from the loan site in order to get back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Coradius International LLC
State: ID

Complaint narrative:
b'1. On or about XXXX XXXX XXXX, I received a notice in the mail from American Coradius International, LLC., a debt collector requesting money in the amount of $XXXX2. On or about XXXX XXXX XXXX, I formally requested that the debt collector provide full validation of the account via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX); the following documents were requested.\na. A wet ink singed document that created the obligation.\nb. Chain of Custody and Assignment, including the original contract, assignments and transfers per UCC 3-301 & UCC 3-309.\nc. Full on and off ledger accounting to include the original principal, interest, feeds and payments and how the total was collected. Additionally, I requested they provide off leger activities by the debt collector as well as the creditor about how my documents were used to securitize the debt. I requested full on-ledger and off-ledger accounting for the alleged debt, including a detailed breakdown of the original principal, interest, fees, payments, and how the current balance was calculated. Additionally, I requested disclosure of any off-ledger activities performed by both the creditor and the debt collector, including how my signed documents may have been used in the securitization, bundling, or sale of the debt. To date, the collector has failed to provide this information and has instead furnished only partial account statements, which do not meet the validation requirements under 15 U.S.C. 1692g(b).\nd. Authority to collect in the Territory of Idaho and their license number. \ne. Verification and address of the original creditor.  \nf. A forward flow agreement. \n3. On or about XXXX XXXX XXXX, they send credit statement as a means to validate debt and did not provide sufficient evidence and point by point validation.\n4. On or about XXXX XXXX XXXX, I sent them a Notice of Insufficient Validation and Final Demand to Cease Collections per 15 U.S. Code 1692a(6) and 15 U.S. Code 1692g., via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Which outlined my demand for stop all collection efforts and close the file, if they fail to validate the debt point for point. To date, they have not fulfilled this obligation. \n5. On or about XXXX XXXX XXXX, I received more documents from American Coradius International, LLC., regarding old credit card statement despite my written demand to cease all communication and collection efforts. \n6. This now constitutes willful harassment and failure to comply with Fair Debt Collection Act.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NM

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries that have been placed on my credit report across Experian, Equifax, and TransUnion. The inquiries were not authorized by me and do not meet the requirements of a permissible purpose under the Fair Credit Reporting Act ( FCRA 604, 15 U.S.C. 1681b ). 

The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The only valid inquiry on my report is XXXX XXXX ; all others are inaccurate and unauthorized .

Under the FCRA : 604 prohibits inquiries without a permissible purpose or my consent.

607 ( a ) requires CRAs to ensure information reported is accurate and lawful.

611 requires disputed and unverifiable items to be deleted within 30 days. 

I am requesting that the CFPB require the credit bureaus and the furnishers involved to : 1. Remove these unauthorized inquiries immediately.

2. Provide written confirmation that my credit files have been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NM

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries that have been placed on my credit report across Experian, Equifax, and TransUnion. The inquiries were not authorized by me and do not meet the requirements of a permissible purpose under the Fair Credit Reporting Act ( FCRA 604, 15 U.S.C. 1681b ). 

The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The only valid inquiry on my report is XXXX XXXX ; all others are inaccurate and unauthorized .

Under the FCRA : 604 prohibits inquiries without a permissible purpose or my consent.

607 ( a ) requires CRAs to ensure information reported is accurate and lawful.

611 requires disputed and unverifiable items to be deleted within 30 days. 

I am requesting that the CFPB require the credit bureaus and the furnishers involved to : 1. Remove these unauthorized inquiries immediately.

2. Provide written confirmation that my credit files have been corrected.

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Transferred {$500.00} online from Citizens checking to XXXX bank checking on Sunday XX/XX/XXXX at XXXX XXXX Message popup that it would take 4 days at the most thursday XX/XX/XXXX. Received email verifying. Checked Citizens documents and transaction initiated on Monday XX/XX/XXXX. Thursday money not transferred. XXXX  bank doesn't have it pending. Citizens account is out {$500.00}. Have transferred online to same bank account before.. Needed the money for a car purchase. Called Citizens twice on Thursday afternoon. Supervisors both times. Told money be there in morning. Not there. Saturday more phone calls. They can't do anything. Visited branch Manager says its XXXX. Gave printout. Says {$500.00} Sunday, and money not in XXXX account. Was able to scrap together {$500.00} towards car purchase Friday afternoon. The Supervisors and Manager have told me incorrect all 5 times. Need to pay bills! I would get a {$35.00} nsf every day till money was there. They owe me {$500.00} + $ 35 day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
I discovered inaccurate and fraudulent information reported on my credit file. On XX/XX/year>, I formally disputed these errors with the credit bureau, requesting validation and removal under the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation, the disputed account ( s ) and unauthorized inquiries remain on my report. The company has not provided verification of the debts or corrected the inaccurate information within the 30-day timeframe required by 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 non-monetary relief
Consumer complaint received 2025-08-17 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an unexplained and significant drop in my TransUnion credit score. Within a single day, my score decreased by XXXX points, from XXXX to XXXX, without any apparent reason. 

I have reviewed my credit report and have not identified any significant changes or new information that would account for this decrease. I reached out to TransUnion for clarification, but I have not received a satisfactory explanation. 

This sudden drop has caused me considerable concern, and I request your assistance in investigating this matter further. I would appreciate any guidance or support you can provide in resolving this issue. 

Thank you for your attention to this matter.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: FL

Complaint narrative:
I opened a U.S. Bank Smartly Checking account on XX/XX/2025, under a promotional offer for a {$450.00} cash bonus for making at least {$8000.00} in qualifying direct deposits within 90 days, along with other requirements ( enrollment in online banking and at least 2 direct deposits ). 

As of XX/XX/2025, my account has received $ XXXX in qualifying direct deposits and I have completed all other requirements. Screenshots from U.S. Banks own My Progress tracker confirm this. 

Despite meeting the terms early, U.S. Banks history of handling a separate promotional account of mine ( CFPB Case # XXXX and the subsequent XXXX that is still pending because the system is preventing withdrawal to my checking account despite this being advertised as an option ) shows repeated delays, false timelines, and evasion of follow through on terms and conditions advertized. These cases involved weeks of unfulfilled promises for a {$750.00} business credit card bonus that grew to {$810.00}, refusal to provide a case number, and misleading updates, and false release of funds to be locked due to system error that is still unresolved! 

Given this pattern, I am filing this CFPB complaint immediately upon meeting the requirements to prevent indefinite delays in issuing the {$450.00} Smartly Checking bonus. I am requesting : Immediate crediting of the {$450.00} promotional bonus to my XXXX  Checking account. 
Immediate credit of the current {$810.00} balance of smart rewards. 

Written confirmation from U.S. Bank that the bonus has been issued and that the account remains eligible without penalty once the bonus posts. 

A specific date by which U.S. Bank will issue the bonus, not to exceed 14 days from the date of this complaint.

I have provided the following : Screenshots of U.S. Banks My Progress tracker showing $ XXXX in qualifying direct deposits as of XX/XX/2025. 

The original promotional terms from U.S. Bank. 

A complete list of qualifying direct deposit transactions from my statement.

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 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I am a Georgia resident with a vehicle title loan from TitleMax. Despite making regular payments, my principal balance has not decreased payments appear to be applied almost entirely to interest and fees. I have asked the lender about applying payments to principal but have not received clear information. 

Details : Loan started : XX/XX/XXXX Original amount : {$1900.00} Current balance ( after __3_ months of payments ) : {$1600.00} APR/fees : 125 % + fees Vehicle : XXXX XXXX XXXX Concerns : The loan terms may be unfair, as they make it nearly impossible to reduce principal.

I believe the lender may be violating Georgia pawn/title loan or small loan laws by not applying payments fairly.

I want to know my rights to require principal-only payments or to obtain a clear payoff amount.

I request that the CFPB require the lender to : Provide a transparent, accurate payoff statement showing principal, interest, and fees separately.

Allow me to make payments directly toward principal.

Investigate whether this lenders practices comply with Georgia law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, and Portfolio Recovery Associates is reporting XXXX accounts that do not belong to me : Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. 
Account # XXXX Balance {$910.00} Opened XX/XX/year> Account # XXXX Balance {$1300.00} Opened XX/XX/year> These accounts are fraudulent and were opened or placed for collection without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B / 15 U.S.C. 1681c-2, I have the right to have fraudulent information blocked from my credit reports within 4 business days once I provide : An identity theft report ( FTC report attached ), Proof of identity ( attached ), and A written fraud declaration ( attached letter ). 
I have already mailed certified letters to XXXX XXXX XXXX XXXX with these documents, requesting they block the accounts. I am also notifying the CFPB because Portfolio Recovery must immediately cease all collection activity and notify the credit bureaus to delete or block these accounts. 
These fraudulent accounts are negatively impacting my credit and my ability to qualify for a mortgage. I am requesting CFPB assistance to ensure these accounts are removed in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
XXXX XXXX ( Equifax ) Equifax reports No. of Months ( terms ) = XXXX for my open XXXX XXXX XXXX auto loan. TransUnion and Experian correctly show 60 months. Please correct Equifax to 60 months. 

XXXX late payment month misreported ( all bureaus that show the wrong month ) My XXXX XXXX account shows a single 30-day delinquency in early 2025, but the month differs across bureau . Please update the 30-day delinquency to the accurate month and remove it if unsupported. 

XXXX XXXX late payment months misaligned ( Experian, if incorrect on your proof ) XXXX XXXX cards two-year payment grid shows different months for 60- and 30-day late across bureaus. Please correct Experians month coding to match the actual history and remove it.

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