vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion regarding the unlawful reinsertion of a deleted collection account from XXXX XXXX ( Account # XXXX ). 

I sent a formal written dispute via certified mail on XX/XX/year>, and it was officially received on XX/XX/year>. In response, on XX/XX/year>, TransUnion mailed me dispute results stating the collection was deleted from my credit file. 

When I received the mail confirming the deletion, this was also immediately reflected on my credit report, and my credit score improved as a result. It was clear that the account had been fully removed. 

However, on XX/XX/year>, TransUnion removed the dispute flag, and just XXXX days later, on XX/XX/year>, the XXXX XXXX collection account was reinserted into my credit report without any notice, as required by FCRA 611 ( a ) ( 5 ) ( B ). I did not receive any written notice of reinsertion within 5 business days, which is a direct violation of the Fair Credit Reporting Act. 

Furthermore, if XXXX XXXX had verified the account during the original dispute, they were also required to send me written verification. No such letter or documentation was ever provided.

The reinsertion of the account caused my credit score to drop by XXXX points, undoing the positive progress and negatively impacting my creditworthiness.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing this complaint because Citibank has blocked my access to my account without providing any valid reason and is preventing me from accessing my own money. 

I recently transferred a significant amount of money into my Citibank account. Shortly after, I found that I was unable to log in or access my account. When I contacted Citibanks customer service, I was informed that all accounts opened during a certain unspecified period were blocked, but they did not provide any specific reason for blocking my account or a clear timeline for resolution.

As a result, I am currently unable to access my own funds or transfer them to another account. This has caused me financial hardship and unnecessary stress. I have repeatedly asked for clarification and a solution, but Citibank has not provided any satisfactory explanation or resolution.

I believe this action is unfair and may be unlawful. I am requesting that Citibank : Immediately lift the block on my account or provide a clear, valid reason for the block.

Allow me to access and transfer my funds without further delay.

Provide a written explanation for this account freeze and any next steps.

I am asking for the CFPBs assistance to ensure Citibank honors its obligation to give me access to my money and treats me fairly. 

Thank you for your help.

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 2025-07-24 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: AR

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 30 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX XXXX ( Last 4 ) : XXXX Email : XXXX Dear CFPB Representative, I am submitting this formal complaint to request your immediate assistance in resolving multiple Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations related to the reporting of the following accounts by the major credit bureaus and their associated furnishers : Complaint for Equifax, Transunion, and Experian XXXX. XXXX XXXX  Account # : XXXX Status : Paid Issue : Still reporting with inaccurate information, please delete Reported inconsistently across Equifax, Experian, and TransUnion Marked as charge-off despite being paid years ago, and is destroying credit Unverifiable details and failure to provide documentation upon request Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ( 8 ) 2. XXXX Account # : XXXX & XXXX Status : Paid Issue : Please delete, I see 2 different XXXX accounts on my report as I do not have an XXXX XXXX card Inconsistent reporting across bureaus ( ownership, balance, high credit, comments ) Lacks documentation verifying accuracy of account and payment details Failure to provide proof of legally enforceable obligation Violations : FCRA 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 3. XXXX  Account # : XXXX Status : Closed Issue : Reporting errors in ownership Account is unverifiable no substantiating records or contract has been provided Possible re-aged data that misleads about current status Violations : FCRA 609 ( a ), 611 ( a ), 623 ( a ) ( 5 ) ; FDCPA 807 ( 8 ) My Efforts to Resolve I have submitted disputes directly to the credit bureaus per FCRA 611, requesting deletion due to inaccuracy and unverifiability. To date, these items remain on my reports without valid documentation or correction, causing ongoing damage to my creditworthiness, this is my 3rd time sending letters and still no resolution.

Please Help Me!

Requested Resolution I respectfully request that the CFPB : 1. Order the permanent deletion of the listed unverified accounts and confirmation 2. Confirm resolution in writing.

3. Accurate Information Across all credit bureaus These inaccurate accounts are obstructing my financial progress and represent a clear violation of federal law. I appreciate your assistance in enforcing the protections afforded to me as a consumer. 

Sincerely, 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 2025-07-24 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-24 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:
These inquiries are unfamiliar to me and may indicate fraudulent activity. I urge you to address this matter promptly and review the enclosed documentation for details.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, Experian received my written dispute via certified mail regarding a collection account from XXXX XXXX in the amount of {$3600.00}. I specifically disputed the accuracy of the reported balance, as I had written documentation from XXXX showing the original balance was {$3100.00}. I requested validation under the Fair Credit Reporting Act ( FCRA ) and included copies of the original balance email, my ID, and a recent insurance letter to verify my identity and address. 

On XX/XX/XXXX, I noticed that Experians system marked the account as Verified and Updated, despite the fact that I had received no documentation explaining what was verified or how. 

Then, on XX/XX/XXXX, I received a generic email from Experian stating that Your dispute results are ready. I followed the link to view the results only to find that the results were listed as " pending. '' I have continued to log into the Experian portal for an update, and the results have remained " pending. '' Today, XX/XX/XXXX, is the XXXX day of the dispute, and the XXXX XXXX account still shows " pending '' as a dispute status. 

As of today, I have received : - No written results explaining the outcome of my dispute - No method of verification - Conflicting account statuses ( " verified '' on XX/XX/XXXX, but still pending as of XX/XX/XXXX ) - This is a direct violation of multiple FCRA provisions : FCRA 611 ( a ) ( 1 ) Experian failed to resolve my dispute within 30 days of receipt ( XX/XX/XXXX to XX/XX/XXXX ) FCRA 611 ( a ) ( 6 ) I was not provided written dispute results or a mailed resolution FCRA 611 ( a ) ( 7 ) Experian failed to provide the method of verification for the tradeline it marked as verified These failures have left me with unresolved, contradictory, and potentially inaccurate information on my credit report. Experians handling of this dispute has caused confusion, wasted time, and obstructed my ability to challenge information that is negatively impacting my credit.

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 2025-07-24 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
XXXX billed my American Express XX/XX/XXXX for XXXX {$290.00} without my approval and with a decieving email subject line looking like spam. At the bottom of this advertisement the following appeared which of course I did not see as I skipped past this email, only later to find that they had charged my American Express. We used this company 3 or 4 years ago for a brief time for our daughter 's online education. Here is their concluding statement in small print from their email : " In order to continue to improve the premium suite , the renewal price is $ XXXX, or a 20 % increase, plus any applicable taxes. Your subscription will renew on XX/XX/2025. We appreciate your loyalty and will continue to work hard to make XXXX XXXX as valuable as possible. '' Thank you - The XXXX XXXX XXXX are located in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am a victim of identity theft and would like these items removed from my report immediately

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 2025-07-24 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:
I am a victim of identity theft and would like these items removed from my report immediately

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 2025-07-24 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: GA

Complaint narrative:
I am a victim of identity theft and would like these items removed from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 2025-07-24 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX My credit report say Profit and Loss and I did not receive a 1099-C that means it is inaccurate on my credit report. Every item on a credit has to be verified as accurate and this account is not accurate.

According to 15 USC 1692c ; you have violated my rights by inlawful communications please remove this account off my credit report immediately

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 2025-07-24 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX My credit report say Profit and Loss and I did not receive a 1099-C that means it is inaccurate on my credit report. Every item on a credit has to be verified as accurate and this account is not accurate.

According to 15 USC 1692c ; you have violated my rights by inlawful communications please remove this account off my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-24 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: NJ

Complaint narrative:
Upon reviewing my credit file, I noticed an account XXXX XXXX, this account is not mine and should not be associated with my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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