vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally contesting all inaccurate, unverifiable, or undocumented information appearing on my credit report. This notice challenges each of the following accounts, inquiries, and personal information entries under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the required Metro 2 Data Reporting Standards.

You are obligated to conduct a reasonable investigation and provide verifiable physical evidence that proves the accuracy, permissible purpose, and origin of these entries. Failure to do so requires immediate deletion. 

ACCOUNTS BEING CHALLENGED : XXXX XXXX XXXX COLLECTIONS BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 PERSONAL INFORMATION BEING CHALLENGED : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Employer : XXXX Incorrect Employer : XXXX Incorrect Date of Birth : XXXX You are required to correct or DELETE any item that lacks : Verifiable documentation supporting the accuracy and legitimacy of the entry Evidence of my signed authorization or permissible purpose under FCRA 1681b Full Metro 2 compliance including account classification, payment rating, and status coding Proof of compliance with reinsertion notice requirements under FCRA 1681i ( a ) ( 5 ) ( B ) Legal Notice : You do not have the legal right to force communication or contact with me unless backed by a written agreement or valid court order. Any further actions that cause harm or attempt coercion may be considered harassment or extortion under state law and will trigger legal consequences.

If you continue to report unverifiable, inaccurate, or outdated items, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue claims in Small Claims Court.

I demand that you send physical documentation of your investigation findings and an updated copy of my credit report reflecting the corrections or deletions.

Failure to respond properly within 30 days will confirm your willful non-compliance and may result in legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, CitiBank, NA closed all my credit cards accounts without notice. Citi aadvantage platium select ending XXXX, citi aadvantage executive ending XXXX, citi simplicity ending XXXX, citi prestige ending XXXX, citi strata premier ending XXXX And att access more ending XXXX. 

On XX/XX/year>, CitiBank, NA informed me that the reason of closure my account is a result of previous review of my citi banking accounts. However, my Citi banking accounts was closed by myself in XX/XX/year>. 

Because the Citibank, NA closed my credit cards accounts without notice, my credit card loyalty points was forfeited. 

The loyalty thankyou points is total XXXX, which is consist of XXXX as of XXXX XX/XX/year>, additional add XXXX in XXXX statement and XXXX in XXXX statement. 

The action I taken. I filed small claim in new york against Citicorp Credit Services , Inc . However, the waiting time is too long. I would like to a efficient solution with Citicorp Credit Services , Inc via CFPB. I could drop my small claim case once we have a settlement via CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-17 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: OK

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, XXXX : {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian 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. 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, TX XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally dispute the closure of my Navy Federal account and the confiscation of my funds. I originally applied and was approved for both a checking and savings account, and I deposited my money accordingly. Shortly thereafter, my accounts were unexpectedly closed without explanation. 

In an effort to resolve the issue, I traveled over XXXX hours to the nearest branch and submitted all requested documentation multiple times, including : Birth certificate Government-issued ID Social Security card Proof of address Military information of my father Despite providing all required documents, my account remained restricted. I contacted at least XXXX representatives and was eventually informed by the fraud department that my funds would not be returned to me but instead sent to the state as unclaimed property.

However, after contacting the State of North Carolina, I was told that they have no record of receiving any funds from Navy Federal in my name. Additionally, I was initially told that I had withdrawn all the funds and closed the account, which is completely inaccurate. While I did withdraw some money, the remaining balancesapproximately {$700.00} in checking and {$500.00} in savingswere not withdrawn and, according to Navy Federal, were escheated on XX/XX/year>. I have contacted the state of NC Treasury directly they have no record of any escheatment. I have not been provided any number or reference at all. Navy Federal has stolen my money and has refused to return it or allow me to access it on my own.

At no point was I informed of any legitimate reason for my accounts being flagged for fraud. These accounts were used solely for direct deposit and routine purchases such as XXXX and grocery stores. I have never engaged in any suspicious or illegal activity. As a result of this situation, I went without access to my paycheck and was financially burdened through no fault of my own. 

I am requesting the following : A full explanation of the reason my account was closed and flagged for fraud. 

Documentation confirming when and where the remaining funds were sent, including escheatment confirmation. 

The return of my funds or immediate instructions on how to retrieve them. 

A direct phone call from a senior representative who has reviewed my case and can speak to it with accuracy. 

This is my second time filing and the information they stated was incorrect. i withdrew some funds not all then they closed the account. They then told me it has been escheated so please do not respond saying i have wthdrawn everything because i did not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> I deposited a cashier check to my checking for my XXXX son whom I have a POA on file with USAA to do all financial transactions for him, the cashier check was returned 2 days later due to visual is what was told to me, I then took the cashier check to the originator XXXX XXXX XXXX and cashed it and deposited into my account and transferred the funds, but another 7 day hold was placed due to the returned cashier check originally deposited into USAA that they sent back that was no fault of mine. No I cant make deposits without a 7-10 day hold because of the returned cashier check that USAA sent back and was not returned because it wasnt funds or me doing anything fraudulent. USAA needs to remove the block on my deposits. They need to fixed the system when you have a complaint the person can not hang up, so the survey can not be completed, to give an unsatisfactory outcome. As a 28 year member I have never had so many bad experiences with USAA customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is continuing to report a derogatory account from XXXX XXXX XXXX XXXX that is over 7 years and 3 months old, despite my prior dispute. Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 5 ), negative information such as late payments must be removed after 7 years from the date of first delinquency.

This account is well beyond that threshold and still reflects 7 late payments, though no dates are disclosed to justify continued reporting. The lack of transparency and failure to delete obsolete data constitutes a violation of the FCRA. I am requesting the immediate removal of this tradeline and an internal investigation into Equifaxs failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I closed my mobile account with XXXX XXXX  on XX/XX/year>. Unfortunately, they kept one phone line open. I tried calling later in the day about another issue and was told I was no longer a customer and my account is closed. In XXXX, I recieved a call from a debit collector about an overdue bill from XXXX XXXX. This was the first time I recieved any information ( text, call, email, paper bill ) about this issue. When I attempted to contact XXXX XXXX, they dimissed me, stating that the collection agency now owns the account and they have nothing to do with it anymore. When I reached out to the debt collector, they told me to get documentation from XXXX XXXX  about the XX/XX/XXXX closure and the bills send from XXXX. XXXX XXXX then stated they could not send me any information. Over the phone, I was told they could see that I had cancelled the lines on XX/XX/XXXX but could not send any information. I never received any information from them to submit to the debt collection as proof. XXXX XXXX also could not tell me how they sent me a bill in XXXX, XXXX or XXXX Because I never recieved any bill or notification, I am not able to submit any proof that I did not get the bills. XXXX XXXX is directing me to the debt collectors to resolve this issue and the debt collector is sending me to XXXX XXXX for proof, which they refuse to provice. Now the debt has been reported and is affecting my credit. I am forced to pay {$450.00} in order to resolve this issue. This should be illegal. They are stealing from me. I have no other option but to pay. The debt collector is Source Recievables Managment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation