vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 non-monetary relief
Consumer complaint received 2025-07-26 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
As part of my regular credit monitoring, I came across several incorrect accounts on my report today. I tried refreshing the page to rule out a technical glitch, but the inaccuracies remained. Therefore, Im requesting a detailed review of the documents Ive provided to help prevent this concern from recurring.

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 2025-07-26 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: FL

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 explanation
Consumer complaint received 2025-07-26 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:
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 non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 USC 1681 section 602 A . States I Have the right to privacy.

15 USC 1681 Section 604 A. section ( 2 ) : It also states, a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) Section ( 5 ) 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 USC 1681s-2 ( A ) (! ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-07-26 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-26 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: TX

Complaint narrative:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding the XXXX account , which is being reported inaccurately and inconsistently by all three credit bureausTransUnion, Experian, and Equifax. Despite prior disputes and me waiting 120 days for a resolution, the bureaus have failed to correct the errors and continue to verify incorrect and conflicting information, in violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 1. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Credit bureaus must report information with maximum possible accuracy. Three different Date Last Active entries, along with contradicting statuses ( charge-off vs. paid as agreed ), clearly violate this requirement.

2. FCRA 611 [ 15 U.S.C. 1681i ] - When a consumer disputes information, the bureaus must conduct a reasonable reinvestigation. Their refusal to correct or reconcile these blatant discrepancies after several disputes indicates they have not fulfilled this duty.

3. FCRA 602 ( a ) ( 1 ) [ 15 U.S.C. 1681 ( a ) ( 1 ) ] - My creditworthiness is being harmed due to the conflicting and incorrect information reported about this account.

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 2025-07-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern my personal sensitive information was exposed in the XXXX  data breach and have since then caused my information to land in the wrong hands and opened accounts fraudulently in my name with my information. I am afforded rights under the FCRA including 1681b,1681c and 1681i which protect my rights to privacy, accuracy and limited use of my consumer report. As a result I am requesting a full investigation into whether my credit report includes fraudulent, unauthorized and or inaccurate entries from this data breach. 

The following accounts have been unauthorized XXXX XXXX XXXX Account number XXXX {$370.00} XXXX XXXX XXXX Account number XXXX {$880.00} XXXXXXXX XXXX XXXX Account number XXXX {$1200.00} XXXXXXXX XXXX XXXX Account number XXXX {$2700.00} XXXX XXXX XXXX XXXX Account number XXXX {$2000.00} XXXX XXXX XXXX Account number XXXX {$290.00}

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive received the response from Citibank and they told me in the response to contact the XXXX department which I did and that department transferred me to another department that said they released two restrictions from my account after verification and after that they forwarded me to another department which they told me they couldnt disclose the name of the department for security reasons and that department didnt help me at all they then told me they had to transfer me to another department and my account is still blocked. This is insane how this company keeps giving me the run around about my funds and are just holding my funds hostage it seems like I cant get any help anywhere. So with that being said I have no choice but to make this a civil matter Ive contacted my legal counsel only way I can regain access to my funds and receive settlement is to take this matter up in court I am truly stressed about this I have XXXX XXXX XXXX and Ive made a few trips to the hospital concerning this matter after leaving a local branch multiple times after they told me its nothing they can do. Its very stressful to know that a company can just take control of your hard earned money when they claim to be protecting you. Ive been trying my best to resolve this matter reaching out to citi bank day by day and no one seems to care this is ruining my life I have bills to pay which Im having a hard time with. Thank you to the Cfpb for trying to help but this company Citibank isnt a good company at all.

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 2025-07-26 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXXXXXX 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 2025-07-26 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit re

porting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX  XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credova Holdings Inc
State: FL

Complaint narrative:
XXXX XXXX responded with a lengthy response that still did not address my issue. Complaint XXXX. I agreed to pay in XXXX equal installments and it was switched to a lease agreement without my knowledge or approval. This is an ongoing issue that many of us faced and according to many websites/forums ( ex. XXXX ) they use deceiving tactics to trick the consumer into dealing with XXXX which appears to be a spinoff company of Credova. I have never experienced anything like this before and all I wanted to do was pay the {$1100.00} in the XXXX payments and be done with this. I gave them my correct account number and it was supposed to be withdrawn starting XXXX weeks after I signed the pay in XXXX which would have been mid XXXX. I only called them because it was not withdrawn on time and the firearm dealer did mix up the shipment initially but they quickly addressed it and I received my firearm. They obviously have lawyers to help them but for those of us that have used XXXX XXXX XXXX and other companies that do great business and don't present things XXXX way and switch it at their convenience to get over on us. My agreement was for {$1100.00}, I was sent the lease agreement and I immediately called to see who XXXX was and why they were contacting me instead of Credova which is when I was made aware of a ridiculous lease agreement. Who leases a firearm? That is just absurd. All I asked for was a statement showing the {$1100.00} to paid to Credova to clear this up but they did not send anything to me, XXXX just responded on here. They have XXXX accounts, XXXX for Credova which says the XXXX and the one for XXXX which says lease agreement. I do not trust either XXXX of them at this point but they already have my banking information. I don't know what to do but I want to be done with both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Subject : TransUnion and Experians Failure to Investigate and Correct Inaccurate Late Payment Reporting I am submitting this formal complaint against TransUnion and Experian for their continued failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This is now my third formal attempt to dispute inaccurate payment history reporting related to the account listed below. My initial dispute was submitted over 35 days ago, followed by a second submission. To date, I have not received any valid documentation verifying the legitimacy of the late payment being reported. 

This dispute is being submitted directly by me, XXXX XXXX, not by any third party. I am exercising my rights under the FCRA and FCBA, which require that all information included in my consumer credit file be accurate and complete. 

Disputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting Grounds for Dispute : I previously identified that this inaccurate reporting may be the result of a billing error under 15 U.S. Code 1666 ( b ), including : Failure to correctly post or credit a timely payment Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days prior to the due date rendering the late payment legally invalid To this day, TransUnion and Experian have not provided : Any documentary evidence substantiating the reported late payment The method of verification used in their investigation The name and contact information of the furnisher who confirmed the late payment Violations : 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information within the statutory time period 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1666 ( b ) Failure to correct or investigate a potential billing error

Company response to consumer: Closed with explanation