vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 2025-09-12 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: FL

Complaint narrative:
EQUIFAX IS DISPLAYING AND INFORMING ALL OF MY CREDIT CARDS COMPANIES FALSE INFORMATION ABOUT MY CREDIT. TWO COMPANIES ( HXXXX XXXX AND XXXX XXXXXXXX XXXX ) DECREASED MY CREDIT LIMIT TO XXXX XXXX EVEN KNOWING I NEVER BEEN LATE IN A SINGLE PAYMENTS. AND HAVING THOSE ACCOUNTS FOR YEARS ALSO MY CREDIT SCORES WENT FROM XXXX TO XXXX. EQUIFAX ARE RELEASING MALICIOUSLY INFORMATION WITH OUT MY KNOWLEDGE AND CONSENT. I THINK IT IS CRIMINAL AND UNLAWFUL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
This CFPB complaint is filed to request under FCRA 605B 15 USC 1681c-2 that the credit reporting agencies block and remove the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receipt of this complaint. 

This fraudulent inaccurate and false information consists of the following account. 

XXXX XXXX XXXX - {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report leaving me under significant stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease according to my rights under the FCRA and FDCPA. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that these consumer credit accounts collections and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. I have attached all the information in this complaint.

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 2025-09-12 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: NJ

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am submitting a complaint to dispute several inquiries listed on my credit report, including those from XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. Under the Fair Credit Reporting Act, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limits the circumstances under which a consumer reporting agency may provide my credit information, and FCRA 619 15 U.S.C. 1681q prohibits false or misleading statements in connection with credit reporting.My report lists a XXXX XXXX XXXX  account ending in XXXX XXXX XXXX XXXX  with a balance of {$19000.00}, reported as charged off. This debt exceeds {$600.00}, yet no IRS XXXX 1099-C has been issued to properly document cancellation of debt. Because this account is reported without proper verification and supporting documentation, it is inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-09-12 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: IA

Complaint narrative:
The Equifax data breach in XXXX  exposed the personal information of approximately XXXX XXXX people, including names, Social Security numbers, birth dates, addresses, and driver 's license numbers. The breach, caused by a failure to patch a known vulnerability, allowed XXXX military members to gain access to Equifax 's systems and steal data for economic and intelligence purposes. In response, Equifax reached a settlement with government agencies, offering free credit monitoring services or cash payments to affected individuals, though the deadline to file claims has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: NY

Complaint narrative:
Consumer : XXXX XXXX Issue : Fraudulent charge / Citibank refusal to credit account Complaint : On XX/XX/year> I was contacted by someone impersonating a XXXX XXXX representative, offering a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Im have XXXX XXXX XXXX XXXX XXXX Caller had all my info membership ID, persons that I travel with as well I was give certificate that looks exactly same as original. Believing the call was legitimate, I authorized the charge. 
This transaction was fraudulent. Since I was not able to schedule any trip immediately requested a refund, the merchant blocked my number and email as well as for all my family. 
I disputed the charge with Citibank. Was denied.. I request to reopen it While they reopened the case, I provided official letter from XXXX XXXX XXXX no call were from them. And Citi bank still declined my request, stating they could not issue a credit without a credit slip from the merchant. 
XXXX XXXX confirmed in writing that the call did not originate from them, which I forwarded to Citibank. Despite this, Citibank refused to credit my account, leaving me without resolution. 
Citibanks insistence on a merchant credit slip for a clearly fraudulent charge is unreasonable and unfairly denies me recovery. 

Please assist withImmediate full refund of {$2100.00}. 
Citibank must investigate and credit my account without requiring an impossible merchant document. 
Assurance that Citibank properly handles fraudulent charges to prevent similar harm in the future. 

This unresolved fraudulent charge has caused financial loss and significant stress. I am requesting CFPB intervention to compel Citibank to take responsibility and return my funds. 

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 2025-09-12 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: TX

Complaint narrative:
I previously submitted a dispute to 3 credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of several inaccurate entries on my credit report, which include the following 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 Despite providing supporting documentation that clearly shows these entries are inaccurate, TransUnion has failed to conduct a reasonable and timely reinvestigation. As a result, the erroneous information continues to appear on my credit report, which is negatively affecting my creditworthiness. This failure to reinvestigate and correct the information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information, FCRA 1681e ( b ), which mandates that credit bureaus ensure maximum possible accuracy, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. The inaccuracies persist despite my efforts to correct them, demonstrating non-compliance with FCRA obligations, and continue to harm my credit profile.

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 2025-09-12 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
b'I received a prepaid debit card from North Lane (MyPaymentVault) in May 2024 through my former employer, XXXX XXXX I used the card twice onboard, then securely stored it at my home in XXXX.\n\nLater in XXXX, I attempted to withdraw money at a local ATM in XXXX, but the transaction failed. I did not insist or try again, fearing the machine might retain the card. Since the card remained physically with me at all times, and I was unable to access my online account, I had no reason to believe any activity had occurred.\n\nI lost access to the online account and was unable to reset my login credentials despite multiple attempts. I provided all requested informationincluding photos of the card (with CVV obscured)but support only responded with generic instructions to use the mobile app, which I could not access.\n\nBetween December XXXX  and XXXX XXXX, I submitted multiple support requests with no resolution. In XXXX XXXX, I made an international call and finally reached a customer service representative. I expressed frustration about the delays and inaccessibility of my account. No mention was made during that call of a suspicious XXXX XXXX XXXX transfer from XXXX XXXX XXXX, which shows a complete lack of fraud monitoring.\n\nAfter finally regaining account access, I discovered the unauthorized XXXX transaction via XXXX XXXX. I never authorized or received any notification about this transaction. XXXX XXXX confirmed the following:\n\nRecipient: XXXXXXXX XXXX\n\nLocation: XXXX XXXX XXXX\n\nTransaction Code: XXXX XXXX\n\nFraud Report Number: XXXX XXXX XXXX\n\nThis transaction occurred shortly after I submitted sensitive personal information to the companys support team. Until then, no suspicious activity had occurred, raising concerns about possible internal mishandling of customer data.\n\nI am requesting:\n\nA full investigation of the unauthorized transaction\n\nImmediate reimbursement of the $XXXX\n\nCompensation for nearly a year of denied access to my funds, expenses related to resolving the issue, and emotional distress\n\nRegulatory action regarding the companys failure to monitor fraud or provide adequate support\n\nAdditional note:\nOn XXXX XXXX XXXX, after submitting a formal complaint via email to MyPaymentVault detailing the fraud and requesting reimbursement, I received an automated reply stating that they dont see me in their system and asking again for basic information I had already provided multiple times over the past several months.\n\nThis response shows a complete lack of case tracking, investigation, or accountability by the company, despite the seriousness of the matter and the evidence Ive submitted.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One- pulled my credit report and it show I owe a balance of {$680.00}. I contacted Capital One and they were not able to find account. I called all bureaus place disputes, nothing resolved yet. I found out with one of the bureaus agent stated account has a different social security number than mines. I figured that is why Capital One cant find the account. I have a number of active accounts with Capital One all in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting an inaccurate late payment on my account with XXXX XXXX, account number ending in XXXX. The entry in question is listed with a late payment dated XX/XX/2022, showing a past due amount of {$0.00}. This reporting is both inaccurate and misleading. 

It is important to stress that an account showing a XXXX past due balance should not simultaneously reflect a derogatory late payment status. This contradiction violates the Fair Credit Reporting Acts requirement that consumer reporting agencies maintain accurate and consistent records. Under the FCRA, agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish. By allowing a late payment to remain on my record when no amount was ever past due, the bureaus have failed to uphold this obligation. 

The harm caused by this inaccuracy is not hypothetical. Lenders reviewing my credit file are led to believe that I mishandled this account when, in fact, there was never a past due balance to support such a negative report. This misrepresentation has damaged my creditworthiness, placed me in the position of explaining errors that are not mine, and exposed me to higher costs of credit and reduced financial opportunities. The presence of an unverified late payment can also cause lasting harm by unfairly lowering my credit score and mischaracterizing my history of responsible repayment.

I have already disputed this matter, yet the bureaus have failed to correct the error. Instead of properly reinvestigating and ensuring that only verified and accurate information remains, they have chosen to preserve a clearly contradictory and false record. This is a direct violation of their duty under the FCRA to investigate disputed information and to delete or correct anything that can not be verified as accurate.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Notice of unauthorized transaction totaling my statement. Statement should show a balance of XXXX as I have not used or authorized transaction for this account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am currently a victim of Identity Theft/ Equifax Data Breach and undergoing the proper steps of getting my credit report cleared of all of these things that weren't authorized by me. I tried to reach out to the credit bureaus and as of today still have yet to receive a response from any of them. Is that illegal? If it's not illegal it's definitely very frustrating. This situation makes me extremely sad because I was planning to purchase my first vehicle soon, and due to authorized accounts and inquiries on my credit are keeping me from doing. Based on what i've known, they were supposed to clean my report in 4 days. I have attached all correspondence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am currently a victim of Identity Theft/ Equifax Data Breach and undergoing the proper steps of getting my credit report cleared of all of these things that weren't authorized by me. I tried to reach out to the credit bureaus and as of today still have yet to receive a response from any of them. Is that illegal? If it's not illegal it's definitely very frustrating. This situation makes me extremely sad because I was planning to purchase my first vehicle soon, and due to authorized accounts and inquiries on my credit are keeping me from doing. Based on what i've known, they were supposed to clean my report in 4 days. I have attached all correspondence below.

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