vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: HI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Name : XXXX XXXX  Account # : XXXX Amount : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX Account # : XXXX XXXX XXXX Amount : {$8900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Amount : {$19000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : Amount : {$11000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Amount : {$9100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Amount : {$20000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Name : XXXX XXXX  Account # : XXXX Amount : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX Account # : XXXX XXXX XXXX Amount : {$8900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Amount : {$19000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : Amount : {$11000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Amount : {$9100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Amount : {$20000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/2025 XXXX XXXX - XX/XX/2025 XXXX XXXX  - XX/XX/2025 XXXX - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/2025 XXXX  - XX/XX/202XXXX XXXX XXXX - XX/XX/2025 XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I WAS NEVER LATE ON THIS CAR. THERE IS A PROOF WHICH I REQUESTED AND THIS IS MAKING ME NOT LEGIBLE FOR OFFERS AND UNABLE TO WORK WITH INSTITUTIONS I WANT TO. PLEASE FIX THIS BECAUSE ITS STILL THERE

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS NEVER LATE ON THIS CAR. THERE IS A PROOF WHICH I REQUESTED AND THIS IS MAKING ME NOT LEGIBLE FOR OFFERS AND UNABLE TO WORK WITH INSTITUTIONS I WANT TO. PLEASE FIX THIS BECAUSE ITS STILL THERE

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account 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.

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 1002 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account 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.

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 1002 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 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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Trying to get this off my credit so my score can go up and I can get a place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX MACYS/CBNAs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. MACYS/CBNA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

MACYS/CBNA 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 2025-09-26 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:
I am a victim of identity theft. A fraudulent loan and multiple unauthorized inquiries are reporting under my name without my consent. These are illegal and must be removed immediately under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Account and Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Removal : FCRA 604 [ 15 U.S.C. 1681b ] : Inquiries without a permissible purpose are unlawful and must be deleted.

FCRA 605B [ 15 U.S.C. 1681c-2 ] : As an identity theft victim, I have the right to block fraudulent information. Bureaus must block these items within 4 business days.

FCRA 611 [ 15 U.S.C. 1681i ] : Items that can not be verified as accurate must be deleted after dispute.

FCRA 616617 [ 15 U.S.C. 1681n & 1681o ] : Willful noncompliance subjects credit bureaus and furnishers to statutory damages of up to {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize and therefore believe to be inaccurate and in violation of my rights under the FCRA : Disputed Inquiry : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-26 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: GA

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding unauthorized credit inquiries that were placed on my credit report without my knowledge or consent. 

On reviewing my credit file, I discovered inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( s ) ] dated ON XXXXXXXX XXXX I never applied for credit with these companies, nor did I authorize them to access my credit report. These inquiries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies have a permissible purpose before obtaining a consumers credit file. 

I have contacted the credit bureaus and the companies in question, but the inquiries remain. This activity is damaging my credit profile and could be linked to possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2025, I submitted written disputes to Experian, Equifax, and TransUnion regarding inaccurate and fraudulent information on my credit reports. I included proper identification, proof of address, and my Social Security details. 

Despite this, the credit bureaus failed to conduct a lawful reinvestigation : Experian mailed me only a generic copy of my credit report, without addressing the items I disputed. 

Equifax made balance updates but left inaccurate information in place. 

TransUnion continues to report false personal information and unauthorized inquiries.

None of the bureaus provided a valid Method of Verification ( MOV ).

Disputed Items Incorrect personal information ( addresses, names, and phone number not belonging to me ). An account inaccurately showing a late payment even though it wa
s current.

Unauthorized credit inquiries reported by Equifax and TransUnion.

Violations The credit bureaus actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 611 Failure to conduct a lawful reinvestigation.

15 U.S.C. 605B Failure to block fraudulent or disputed information.

15 U.S.C. 607 ( b ) Failure to ensure maximum possible accuracy of my consumer file. 

I am requesting the CFPB to investigate these failures, ensure the disputed and fraudulent information is corrected or removed, and hold the credit reporting agencies accountable for their 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and file a complaint regarding an account reported under XXXX XXXX XXXX XXXX credit report. The account details are as follows : Account Type : Installment Sales Contract Highest Balance : {$360.00} Current Balance : $ 217 % Paid Off : 41 % Account Status : Closed Open Date : XX/XX/XXXX Last Account Activity : XX/XX/XXXX Loan Term : 12 months Monthly Payment : {$0.00} This account is inaccurately reported and does not reflect the true status of my payment history and obligations. Since the account is closed, there should not be an outstanding balance showing. Reporting a current balance of {$210.00} on a closed installment account is misleading, damaging to my creditworthiness, and in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX XXXX take immediate action to : XXXX. Correct or remove the inaccurate balance of {$210.00} from my credit report. 
XXXX. Ensure that this closed account is properly updated with the credit reporting agencies. 
XXXX. Provide me with written confirmation that these corrections have been made. 

If this issue is not resolved promptly, I will have no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just wanted my money and they gave me a problem the whole time got rid of my account and I asked for the guys name over the phone he said his name was XXXX I talked to him on XX/XX/year> at XXXX XXXX  Est time. he said call back tomorrow to ask for him. but when I asked for supervisor the second time the lady name XXXX was acting like she helping find solutions and didn't find one solution for me. I asked her why is my account gone and she said she doesn't know and that i owed XXXX cents and I had gotten XXXX XXXX XXXX XXXXor my child to eat i explained my situation to her and expressed my concern and she said you'll see it posted to you're account tomorrow but my account is taken away from for no reason. never was over drawn. this is my backed up account so I don't understand why it's gone. so now I am making a claim because this hurt my XXXX to know that they deserved me and lied to me and stole from my own daughter that's only XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX  XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX  XXXX XXXX has XXXX to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

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