vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> a fraudulent wire transfer of {$490000.00} was made from my business account to account # XXXX with Citi Bank belonging to Premier Escrows of XXXX XXXX XXXX, Riverside CA XXXX. I reported this fraud to my bank, XXXX, who immediately notified Citi bank of this unlawful transaction. Citibank confirmed to XXXX and the FBI they have secured the funds in their bank and ask XXXX Bank to initiate the recovery process. 
This was promptly initiated over XXXX months ago and i've been contacting both XXXX Bank and Citi bank for the status of my funds but was informed by my bank that they have made several attempts to get updates but received no response from Citi Bank. 
This has been going on for over XXXX  months and my business is experiencing financial hardship because of this issue. 
Please find attached letters from the FBI and my bank confirming the fund were secured with Citi bank and my Police report.

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 2025-10-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

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 2025-10-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine and their presence is inaccurate, misleading, and damaging to my financial history.

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 2025-10-08 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: MD

Complaint narrative:
On XX/XX/year>, due to a lapse in appropriations, the federal government shutdown. As a federal government employee, I have been affected due to being furloughed and no longer receiving pay. 

On XX/XX/year>, I called XXXX XXXX to request assistance because I knew I would be unable to pay on my loan on XX/XX/XXXX. On the XXXX, my loan was XXXX days past due. On the same day, due to my circumstances, I was able to qualify for and apply for a special forbearance. The agent on the phone processed this application over the phone and told me that I did not need to do anything further. 

On XX/XX/year>, I received notice that my loan was still accumulating late days past due, and risk of being reported to the credit bureau. In an effort to get clarification, I reached out to XXXX XXXX. During my first call, I spoke with an agent ( XXXX ) who was rude and stated that she did not see any application for forbearance on my account. I again called back several minutes later in an attempt to reach a different agent. This time I spoke with an agent ( XXXX XXXX who informed me that the forbearance was processing and that she would escalate my case but that it was showing up on my account. She explained that I should not be reported to the credit bureaus because of the forbearance processing. 

I again called XXXX XXXX on XX/XX/year>, to see if the forbearance was completed being processed. To my surprise, it still had not been completed. When attempting to seek more clarification, the agent I spoke with did not have any answers and proceeded to place me on an indefinite hold for more than XXXX minutes. 

On XX/XX/year>, I was notified that XXXX XXXX updated account information with Experian to note that my account was 60 days past due. This false reporting caused my XXXX XXXX to drop over XXXX points. 

On XX/XX/year>, I again called XXXX XXXX to inquire what was going on with the forbearance and why it wasnt applied. The agent said it was still being processed but provided no further insight. 

Not only has the negligence of XXXX XXXX caused me financial harm and emotional distress, but the information they are reporting is incorrect. It is clearly notated in my file that I applied for and was approved for forbearance, and this is not XXXX XXXX first time helping or dealing with a government shut down. Furthermore, I have had forbearances applied to my accounts and it has NEVER taken this long to complete.

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 2025-10-08 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: IL

Complaint narrative:
XXXX. Brigit XXXX XXXX XXXXXXXX XXXX  / XXXX Type : Short-Term / Payday Loan Balance : {$320.00} Status : Delinquent / Derogatory Remarks : Account charged off to bad debt. 
Reported : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

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 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account Number XXXX Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$780.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-08 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: Chime Financial Inc
State: WA

Complaint narrative:
I rented a moving truck from XXXX XXXX XXXX in XXXX, WA. When I first tried to pay, their employee told me they do not accept Chime cards. I then used a different debit card for the rental. Days later, the same location left me a voicemail asking for a new payment card because the one on file declined. 

However, instead of waiting for me to provide XXXX, they processed a no authorization force charge on my Chime account a card they had explicitly said they dont accept and that I never authorized them to use. This caused my Chime account to go negative by {$470.00}. 

This is an unauthorized transaction and a violation of card network and consumer authorization rules. I am requesting a full reversal of the charge and investigation into the XXXX XXXX XXXX locations actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Debt Validation Request Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam : This letter is a formal response to your contact concerning a debt you are attempting to collect. You contacted me on XX/XX/year>, via Phone about the alleged debt for the medical services.

I am writing to dispute this debt. I request that you provide verification of this debt pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following information and documentation to verify this debt : The name and address of the original creditor to whom the alleged debt is owed. 
The amount of the alleged debt, the date it became delinquent, and the date it was transferred to your agency. 
A copy of the original contract or other agreement that bears my signature. 
An itemized list of alleged interest, fees, and other charges. 
The date of the last payment made on this account. 
Any judgment obtained by a creditor regarding this account. 
If you can not provide the requested information within 30 days of the date you receive this letter, you must cease all collection activities and report this debt to the credit bureaus as disputed. Please also provide confirmation that you have removed this dispute from my credit report and provide me with a corrected credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$71.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-08 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: NV

Complaint narrative:
In the fall of XXXX I was falling behind on my payments due to the XXXX pandemic as I was barred from working due to the nature of my work as I am an XXXX XXXX and due to the proximity of people in my employment, I was not ALLOWED to work. 

Under Section XXXX of the XXXX XXXX, accounts with a XXXX related accommodation, such as a forbearance or deferral, between XX/XX/XXXX and XX/XX/XXXX, must be reported as current if they were not delinquent prior to the accommodation. My account with XXXX XXXX XXXX was under a forbearance plan from XX/XX/XXXX through XX/XX/XXXX due to XXXX hardship. It was current before this period. The late payments reported for XX/XX/XXXX through XX/XX/XXXX are inaccurate as the account should have been reported as current per XXXX XXXX rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NV

Complaint narrative:
In the fall of XXXX I was falling behind on my payments due to the COVID pandemic as I was barred from working due to the nature of my work as I am an XXXX XXXX and due to the proximity of people in my employment, I was not ALLOWED to work. 

Under Section XXXX of the XXXX XXXX, accounts with a XXXX related accommodation, such as a forbearance or deferral, between XX/XX/XXXX and XX/XX/XXXX, must be reported as current if they were not delinquent prior to the accommodation. My account with XXXX XXXX Bank XXXX XXXX a forbearance plan from XX/XX/XXXX through XX/XX/XXXX due to XXXX hardship. It was current before this period. The late payments reported for XX/XX/XXXX through XX/XX/XXXX are inaccurate as the account should have been reported as current per XXXX XXXX rules.

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 2025-10-08 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: AZ

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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Jefferson Capital Systems. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Jefferson Capital Systems can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and XXXX The date the account was acquired by or assigned to Jefferson Capital Systems XXXX

Company response to consumer: Closed with explanation