vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am writing to file a formal complaint against certain furnishers and credit reporting agencies for reporting false, misleading, and unverifiable information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple disputes, the following inaccuracies remain on my credit report, which are causing significant harm to my creditworthiness and personal reputation : Wrong Address Entries : XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect/ Not associated with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect/ Not associated with me These addresses are not my current or previous residences and their continued reporting implies inaccurate associations that may expose me to identity confusion or mixed-file errors. 

Account Reporting Errors : XXXX XXXX ( Account XXXX. XXXX ) High Balance : {$2800.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting payments were made as agreed. No supporting verification has been provided by the furnisher despite my prior dispute. 

XXXX XXXX ( Account XXXX. XXXX ) High Balance : {$21000.00} Date Opened : XX/XX/XXXX Issue : Erroneously marked as charge-off. This account was resolved and should not be reported as charged off. 

XXXX CO ( Account XXXX. XXXX ) High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Incorrect late payment reporting. No evidence supports this derogatory status. 

Each of these items violates FCRA Sections 602 ( A ), 607 ( B ), and 611, which require accurate, fair, and verifiable reporting of consumer information. Continued publication of unverifiable or false data constitutes willful noncompliance and negligent disregard for my consumer rights.

I am requesting the CFPB to : Investigate these reporting furnishers and data furnishers for FCRA violations.

Compel the credit bureaus to delete or correct these inaccurate records immediately.

Ensure that the furnishers provide documented proof of verification or remove the disputed items entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$73.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I have a XXXX XXXX brokerage account, and recently I withdrew my investments to make some transfers. On XX/XX/XXXX, I transferred a significant amount of funds from XXXX to TD Bank, thinking it would be more convenient to use TD Bank. Since that day Ive been struggling to move my money with repeated and unjustified holds placed on my account. It took me over a week, multiple attempts, and several conversations with TD representatives through secure messages, calls to customer service representative central, and a call with a TD bank leader to resolve the issue. However, shortly after resuming normal activity on XX/XX/year>, my account was once again blocked following a new transfer on XX/XX/XXXX, causing further inconvenience. The 16 days during which my funds have not been earning interest have already resulted in financial losses and considerable headaches. 

I find this situation unacceptable, especially considering the lack of clear communication and the time lost trying to restore access to my own funds. I would appreciate a thorough review of my account to ensure that this issue does not recur. Additionally, I request an explanation detailing the reasons for these repeated holds, as well as confirmation of the measures being taken to prevent further disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The " Firm Deal '' was a key feature of the Citi Cards 360 Program offered by Citibank ( South Dakota ), N.A. to its cardholders, as evidenced in credit card statements during the XXXX period. 
The sources define the " Firm Deal '' as an assurance regarding interest rates : The Promise : The " Firm Deal '' was described as " our promise not to voluntarily raise your rates until your card expires, as long as you keep your accounts with us in good standing ''. 
Conditions : The maintenance of this promise was explicitly contingent upon the cardholder following the card agreement or keeping accounts " in good standing ''. 
Despite the explicit promise of the " Firm Deal '' not to voluntarily raise rates, subsequent account documents show that the issuer communicated substantial rate increases to the cardholder on the Citi Diamond Preferred Card ( Account ending in XXXX ) : Interest Rate Increase Timeline Prior Rate : The Annual Percentage Rate ( APR ) for standard purchases remained at 9.990 % ( Daily Periodic Rate of 0.02737 % ( D ) ) throughout the billing period ending in XX/XX/XXXX. 
Effective Date of Increase : The significant interest rate changes were effective for all billing periods beginning on or after XX/XX/XXXX. 
The variable APR for purchases was increased to a minimum APR of 24.99 %. 
The default APR was increased up to 29.99 %. 
Conclusion : For this specific account ( XXXX XXXX XXXX XXXX XXXX ), the statements confirm that the cardholder was current and not past due at the time the creditor announced and implemented the significant APR increases effective XX/XX/XXXX, and applied the new 24.990 % purchase APR in the billing cycle beginning late XX/XX/XXXX. 

The potential legality of Citibank increasing rates without prior delinquency, as detailed in the Hoffman v. Citibank class action settlement, alleges that Citibank improperly increased interest rates retroactively due to delinquency or default that occurred before XX/XX/XXXX. 
Citibank also agreed not to oppose an application for up to {$2.00} XXXX in attorneys ' fees and costs for class counsel, and a {$5000.00} incentive payment for the Plaintiff. 
CFPB Action ( XXXX ) : In XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered Citibank to pay millions in relief. 
Reason for Relief/Fines : This order was issued because Citibank was selling credit card debt with inflated interest rates and failing to forward consumer payments to debt buyers promptly. The source notes this information is " public knowledge '' and potentially relevant to cases related to that period ( such as XXXX accounts ).

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 2025-10-24 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: MI

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly and negatively impacted both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that commitment has not been honored, as these inquiries still remain. This lack of action is unacceptable.

The continued presence of these potentially fraudulent entries is deeply concerning and raises serious concerns about possible identity theft. This ongoing issue has caused significant emotional and financial distress.

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 2025-10-24 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: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Activehours
State: MD

Complaint narrative:
This company is a complete scam! Each time that I pay the money that I borrowed through the form of a cash advance back to EARNIN they literally lower my available cash out which makes no sense at all! Additionally, they monitor your bank account continually without your consent and do not allow consumers the option to remove their account information without asking them first. The only way you can interact with anyone is by using a chat option in which you have to then request for them to remove your bank account information. XXXX?! Not to mention, even when you pay back all of the money, they lower your account balance especially if they see that the bank issues refunds for your overdraft fees. They then proceed within their mobile app to use felonious information stating that your available cash out is based on the health of your checking/and savings account. Across two pay periods, my balance has decreased for no reason after it increased to {$550.00} and is now {$450.00}. This mobile app uses fraudulent behaviors to cover up their deception, and coercion even going to extreme to list repayment transactions with banks as clothing purchases using your name as the transaction header! Additionally, in their terms and conditions they also state that they are not a bank but continuously proceeds to request tips when you use their service as though they are a restaurant. They also monitor your bank account so closely that they will even mimic charges that your bank charges you ( e.g. overdraft fees ) and then proceeds to charge those same charges with the label of ACH fees which accumulates and appears as a double charge even though they falsely exploit that they are not a bank and do not charge overdraft fees. Whomever created this app and has an agreement in place to front load funds to consumers needs to be sued for deception, coercion, suppression, and fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
On multiple occasions I submitted a full FCRA 605B Identity-Theft Block Request to Equifax regarding a fraudulent account reported by XXXX XXXX XXXX XXXX XXXX . The account was used without my authorization, and I provided all required documentation including my FTC Identity-Theft Report ( Ref # XXXX ), police report # XXXX, government ID, proof of address, and signed 605B cover letter. Equifax acknowledged receipt but failed to block or delete the tradeline within four business days as required under 15 U.S.C. 1681c-2 ( b ). This inaction is a violation of the Fair Credit Reporting Act and has caused ongoing harm, as the account continues to appear on my Equifax file despite being permanently removed from other credit bureaus. I am requesting that Equifax immediately and permanently block this fraudulent account and provide written confirmation of the block, as required by law. I have certified-mail evidence showing Equifax received the 605B packet months ago yet did not comply. I have added my passport, social security and FTC report per Equifax request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 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: AL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to Experian regarding multiple inaccurate and unverifiable negative items being reported on my credit file. My dispute included detailed explanations of each error and the applicable sections of the Fair Credit Reporting Act ( FCRA ), including : Inaccurate late payment reporting for XXXX. 

False bankruptcy notations and inconsistent payment reporting for two XXXX XXXX accounts. 

An inaccurate and unverifiable public record entry for a XXXX XXXX XXXX ( Case # XXXX ). 

An unauthorized inquiry by XXXX XXXX on XX/XX/XXXX. 
As required by the FCRA ( 611 ( a ) ), Experian had 30 days from receipt of my dispute to investigate, verify, and provide a written response. I also included all required identification documents ( government ID, Social Security card, and proof of address ) with my letter to verify my identity and ensure compliance with Experians requirements. However, as of todays date ( XX/XX/XXXX ), I have not received any response, acknowledgment, or results of investigation from Experian. This represents a clear violation of my consumer rights under the FCRA, which mandates that credit reporting agencies must : Conduct a reasonable investigation within 30 days ( 611 ( a ) ( 1 ) ).

Notify the consumer of the results of the investigation ( 611 ( a ) ( 6 ) ).

Delete or correct any unverifiable or inaccurate information ( 611 ( a ) ( 5 ) ).

Experians failure to respond to my dispute constitutes non-compliance with federal law and has caused continued harm to my credit standing and financial opportunities.

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