vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am following up on a pending {$170.00} cashback reward related to a XXXX merchant offer on my Citi credit card. On XX/XX/year>, I completed an online purchase with XXXX for {$1000.00}, which met the offer 's requirement of spending {$1000.00} or more. 

I was previously informed by multiple Citi customer service representatives that my purchase qualified for the offer and that this cashback would be applied within XXXX business days. As it has now been over XXXX month without the cashback appearing on my statement, I request assistance in resolving 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 monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX - Opened XX/XX/year> With a balance of {$27000.00} Account number : XXXX XXXX  - Opened XX/XX/year> With a balance of {$11000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Account : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Account # : XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe proper notification was sent, please provide a copy of the certified mail and return receipt bearing my signature. If you can not provide this, I am formally requesting that account # XXXX be deleted from my credit report immediately. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I purchased my lease in XXXXXXXX XXXX XXXXXXXX, fast forward to XX/XX/XXXX I unfortunately suffered a XXXX and had an accident on the way to the hospital ( I didnt know it was a XXXX I was having which is why I tried XXXX XXXX myself ). I had some deferred payments due to economic hardship suffered from this event ( I paid all deferred payments account is now current ). Unfortunately due to my current health my income is not the same as it was when I got my lease so Im only being approved for {$18000.00} by my credit union ( I tried 11 lenders to see if I can get higher and could not ). I contacted MBFS to negotiate my lease buyout amount and was stonewalled by the representatives supervisor. I was even denied a request to speak with someone above the supervisor. I offered all my supporting medical documentation and the car doesnt even hold the residual value theyre quoting due to damage from the incident. Unfortunately the main reasons Im trying to keep this car is for the safety features that still allows me to drive with my remaining XXXX  of my left arm and limited ability to XXXX XXXX XXXX XXXX to check my blind spot. I cant find another vehicle for {$18000.00} with the safety features my current vehicle has that allows me to drive. Ive always maintained my financial obligations to MBFS even through the worse times of my life and the way I was treated during trying to buy out my lease has felt like a slap in my face as a customer and a human being. All over a {$5000.00} difference that the damage on the vehicle takes away in depreciation anyways. Before I leased this vehicle I was a loyal XXXX customer who leased/financed several cars with them for 9 years and they never treated customers like this. This definitely doesnt feel like a luxury experience from day one of purchasing the vehicle. The vehicle was leased to me with several manufacturers issues like the battery that was completely dead less than a month into me having the vehicle, a moisture in headlamp manufacturer issue within a year of leasing, dry rotted tires etc and now a manufacturer transmission issue. Despite all of these issues I showed XXXX and MBFS grace. Yet the one time I ask for grace and the damage currently on the vehicle substantiate the request for residual value depreciation Im treated like absolute crap. I cant even get someone in management to speak to me as a human being to try and find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-30 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-06-30 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-30 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: NY

Complaint narrative:
I'm writing to formally dispute the accuracy of an item listed on my credit report. After reviewing the details, it's clear that the information being reported does not comply with the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically in relation to the requirement for maximum possible accuracy.

Under the FCRA, consumer reporting agencies and data furnishers are obligated to ensure that all information reported is completely accurate, verifiable, and not misleading in any way. This item falls short of that standard. Whether due to outdated data, unverifiable details, or incomplete context, it is not being reported with the level of accuracy that the law requires.

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 2025-06-30 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: SC

Complaint narrative:
I didn't authorize the following companies to pull my credit XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
Received garnishment notice from my place of employment on XX/XX/XXXX. This will begin on XX/XX/XXXX. 
I have called this company, XXXXXXXX XXXX XXXX XXXX XXXX, several times ( kept record ) and requested calls back. Have not been contacted. Found out from the original creditor, this debt was last paid on XX/XX/XXXX. I requested this information on company 's voicemail on XX/XX/XXXX. Still no response. Ok law prohibits being sued after 5 years of last payment. Oklahoma Statute of limitations has been passed. It has been 7 years. This is a called a Lame debt.

I was never served and not given a chance to make payment arrangements. I have since filed a request for trial and undue hardship with XXXX XXXX XXXX on 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 2025-06-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I am filing a complaint against TD Bank regarding a {$170.00} late fee that was charged to my checking account. The fee was assessed because a payment was processed late. However, the payment delay was caused directly by limitations and technical issues with TD Banks own platform not due to negligence on my part. 

Specifically, TD Bank imposes a {$4000.00} limit on inbound external transfers. My payment amount exceeded {$5000.00}, so I had to break it into multiple transfers, which take several business days each to clear. This made it extremely difficult to get the necessary funds into my account on time despite actively trying to do so well in advance. 

Additionally, I had previously attempted to make a payment through TD Banks online system and received a timeout error, which prevented the transaction from going through. This further impacted my ability to pay on time. 

I called TD Bank to request a reversal of the late fee, but they denied my request, citing that I had already used a one-time courtesy waiver in 2023. While I respect their policy, I do not believe this fee is fair or appropriate in this case. The delay was clearly caused by the banks restrictive transfer limits and their platforms technical failure. 

I am a responsible customer and I acted in good faith. I believe this fee should be removed as a matter of fairness, and I am requesting the CFPB 's assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I recently discovered that someone has used my personal information without my permission to open fraudulent accounts make unauthorized charges commit other acts Remove this account I take this matter very seriously and appreciate your immediate attention.i was identity theft victim Please contact me by email or regular mail with any questions or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This is a formal complaint against APPLE CARD/GS BANK USA for XXXX of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and 1681i ( a ). XXXX XXXX as the furnisher of the APPLE CARD tradeline, is currently reporting inaccurate, derogatory, and harmful information to all three major consumer reporting agenciesXXXX XXXX XXXX XXXXand has failed to correct or verify this information following notice of my formal dispute. 

The account in question ( Account XXXX. XXXX ) was opened on XX/XX/year>, and is now listed as closed with a current balance of {$3300.00}, marked as a charge-off. I formally dispute the charge-off status and assert that this tradeline is being furnished without proper documentation or verification. The FCRA mandates under 1681s-2 ( b ) that a data furnisher must conduct a reasonable investigation once notified of a dispute by a credit bureau , and either verify, correct, or delete the information within the required timeframe.

To date, APPLE CARD/GS BANK USA has failed to provide any written validation or substantiating records of this alleged charge-off, such as a final billing statement, charge-off notice, or any indication of breach of contract on my part. Their ongoing furnishing of this derogatory datawithout providing the credit bureaus or myself with documented verificationrepresents a clear failure to meet the reinvestigation requirements of 1681i ( a ) ( 2 ) and violates the standard for maximum possible accuracy under 1681e ( b ). This account is materially damaging my credit profile and impairing my access to financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 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 2025-06-30 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:
Since the legal age of XXXX, I have been closely monitoring my given credit report. Ill educated on what a credit report was until today. Experian, XXXX XXXX, and XXXX have falsified their identities to me. These entities have claimed to be part of the government when they are not. Ive exercised my rights and my rights have been stripped away from me by these companies, who have been corporately gang stalking me all of my life. Retrieving information without my consent. Coercing me into contract because I was not educated on what I was signing or provided the information and details. I am requesting a full sweep, investigation, and full control over my report. They have not even properly reached out to my neighbors or people that actually know me to find out if things are accurate on the report that they have. They have reached out to corporations and companies who have never spoke to anyone that I know which is a violation of my title 15 US code rights

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