vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please remove. 
XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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 2025-07-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I tried to transfer money ( {$2000.00} ) from my US account in Citibank to my XXXX  account at XXXXXXXX XXXX I do this regularly to support my retired mom in XXXX. She is my mother and I can not not support her. She needs help as her retirement payments are just a shame of the local government system  ( XXXX XXXX XXXXXXXXmonth ; even utility payments are higher than that ). I understand that XXXX XXXX  is sanctioned now. It was my mistake. I kindly ask to release my funds as they have never been delivered to my account in XXXX. 
I called Citibank multiple times, but they continued to tell me that it would be released soon. Then, one of the bank tellers told me that they have been flagged by OFAC, and I need to apply for a license. I applied, and OFAC came back saying that my funds have never been blocked ; they still should be in Citibank.

Citibank refuses to return my money to me.

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 2025-07-29 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: NY

Complaint narrative:
Conducting a thorough investigation of the late payments, status codes, and account reporting with the data furnishers mentioned above. Having any incorrect, outdated, or unverifiable negative marks removed or corrected. Holding furnishers accountable for failing to report accurately and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report Account # XXXX I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my credit report. After reviewing the data across the XXXX credit bureaus, I have identified several discrepancies and outdated information that require immediate correction. 

Account Details : Creditor : XXXX XXXX XXXX XXXXccount Type : Auto Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Account Status : Closed/Paid Balance : {$0.00} High Credit : {$33000.00} Monthly Payment : {$0.00} Discrepancies : Experian is reporting this account as Late 60 Days as of the last update on XX/XX/XXXX. However, the account is closed, paid, and the balance is {$0.00}. This negative remark is inaccurate, as the account was either brought current or resolved. 

TransUnion is showing the account as current yet reflects multiple late payments ( XX/XX/XXXX days ) during the months leading up to account closure all while showing {$0.00} balance and closed status. The date opened is also incorrect. 

Equifax shows the account as XXXX and with ongoing consumer dispute status as of XX/XX/XXXX yet still reflects negative payment history even though a reinvestigation is in progress. 

The Two-Year Payment History shows inconsistent data across the bureaus for the same periods. Equifax shows " OK '' in recent months while TransUnion and Experian show delinquencies for the same timeframe. 

The terms also differ. TransUnion and Experian list XXXX  months, while Equifax shows " XXXX ''. 

Request : I respectfully request the following actions be taken : Remove any and all inaccurate late payments associated with this closed account.

Update the payment status across all three bureaus to reflect the correct status as " Paid/Closed Current. '' Ensure consistency of reporting across all bureaus for this account.

Clarify or correct the account term reported by Equifax.

I have enclosed a copy of the relevant credit report sections highlighting the discrepancies, along with a copy of my photo ID and a utility bill as proof of identity and address.

Please conduct a thorough investigation of this account and correct the erroneous data within the timeframe mandated under the Fair Credit Reporting Act ( FCRA ). If there is a generic response of " Verified as Accurate '' even though I have proof of inconsistencies, I will see legal action under the FCRA Laws Thank you for your prompt attention to this matter.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report Account # XXXX I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my credit report. After reviewing the data across the XXXX credit bureaus, I have identified several discrepancies and outdated information that require immediate correction. 

Account Details : Creditor : XXXX XXXX XXXX XXXXccount Type : Auto Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Account Status : Closed/Paid Balance : {$0.00} High Credit : {$33000.00} Monthly Payment : {$0.00} Discrepancies : Experian is reporting this account as Late 60 Days as of the last update on XX/XX/XXXX. However, the account is closed, paid, and the balance is {$0.00}. This negative remark is inaccurate, as the account was either brought current or resolved. 

TransUnion is showing the account as current yet reflects multiple late payments ( XX/XX/XXXX days ) during the months leading up to account closure all while showing {$0.00} balance and closed status. The date opened is also incorrect. 

Equifax shows the account as XXXX and with ongoing consumer dispute status as of XX/XX/XXXX yet still reflects negative payment history even though a reinvestigation is in progress. 

The Two-Year Payment History shows inconsistent data across the bureaus for the same periods. Equifax shows " OK '' in recent months while TransUnion and Experian show delinquencies for the same timeframe. 

The terms also differ. TransUnion and Experian list XXXX  months, while Equifax shows " XXXX ''. 

Request : I respectfully request the following actions be taken : Remove any and all inaccurate late payments associated with this closed account.

Update the payment status across all three bureaus to reflect the correct status as " Paid/Closed Current. '' Ensure consistency of reporting across all bureaus for this account.

Clarify or correct the account term reported by Equifax.

I have enclosed a copy of the relevant credit report sections highlighting the discrepancies, along with a copy of my photo ID and a utility bill as proof of identity and address.

Please conduct a thorough investigation of this account and correct the erroneous data within the timeframe mandated under the Fair Credit Reporting Act ( FCRA ). If there is a generic response of " Verified as Accurate '' even though I have proof of inconsistencies, I will see legal action under the FCRA Laws Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: SC

Complaint narrative:
Valon Mortgage failed to pay my taxes upon becoming my loan servicer despite me paying into my escrow account. Despite escrow account being set up appropriately to pay my taxes with previous mortgage servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
According to IC System Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an attempt to collect a debt in which the statue of limitations has expired. Debt claimed from XXXX XXXX XXXXXX/XX/year> According to Sec 15USC1692 This agency is in violation of my rights as a consumer by continuing to report inaccurate info and engaging in deceptive practices by failure to provide validation of this debt and authorization to collect on behalf of XXXX XXXX. 
I demand the immediate removal of this account and any other personal info regarding this matter.

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 2025-07-29 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: MA

Complaint narrative:
On XX/XX/year>, I filed CFPB Case # XXXX disputing three medical-related tradelines ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX ) and six medical-financing inquiries ( XXXX ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX  ) on my Equifax report. Under FCRA 611 ( a ) ( 1 ), Equifax was required to reinvestigate within 30 days and delete any unverifiable information. I provided documentation proving these are medical debts subject to removal under CFPBs XX/XX/year> Regulation V rule ( 12 CFR 1022.30 ) banning medical debt on credit reports used for credit decisions. Equifaxs XX/XX/year> responsearriving more than 30 days lateraddressed only inquiries, refused to delete or correct the disputed medical accounts, and offered no verification of accuracy. This inaction flagrantly violates FCRAs mandatory 30-day reinvestigation and deletion requirements and disregards federal policy protecting consumers from medical debt reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

Unauthorized inquiries to be removed : [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXXXXXX XXXX ] [ XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
XXXX XXXX keeps contacting my family members ( 4 of them ) to get a hold of me. But they don't call or text me. I have repeatedly called them to tell them to STOP contacting my family members. I don't have contact with at least 3 of these family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report fraudulent credit inquiries on my credit report despite having submitted an Identity Theft Report ( via identitytheft.gov ) along with proof of my identity and address. These inquiries were made without my knowledge or consent. Experian has responded that the companies had a " permissible purpose, '' but under FCRA 604 ( c ) and 605B, no permissible purpose exists when the consumer did not initiate the transaction. These inquiries should have been blocked and removed under federal law within four business days of my dispute.

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 2025-07-29 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:
It's disheartening to see a late payment listed, especially when my record reflects timely payments. Please review and correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I talked to two supervisors over the phone, One named XXXX and another named XXXX at Truist bank and I described that my all my past SSA checks ive submitted for the same amount from the U.S treasury on the mobile app have cleared the next day but this one is being held for over a week. They refuse to give me a specific reason why and only state its in their policy to do so and my account is not eligible to have my hold lifted as im told im forced to wait until XX/XX/XXXX for the funds to be in my account which I feel is completely inappropriate. They also claim they can not escalate my case any further and nobody can override the hold which I believe to be a straight up lie as there is no possible way somebody high enough in the company can not override it.

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 2025-07-29 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 express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card

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 2025-07-29 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: MS

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXXXXXX

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Complaints submitted on XX/XX/year> and XX/XX/year> did not result into an investigation as requested. This account was opened in my name and was not authorized by me and is part of identity theft and fraud. I have attached proof that another card was also opened in fraud, and this was investigated properly unlike this account. I have no knowledge of this account and never opened an account with Bank of America. I request an immediate removal of this account and cease of collection activities.

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 2025-07-29 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: TX

Complaint narrative:
The questions seem to have bypassed approval and were not anticipated. Review the attached files without delay.

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