vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The transaction is not going through because my credit is being used and also XXXX  XXXX XXXX didn't give me a reason why I couldn't open up in a bank account and also I am now with Citibank where's that I have checking and they're not giving me the benefits for the checking and also in so many violation I have opened up a stock and bonds with XXXX XXXX XXXX XXXX  located in XXXX XXXX on XXXX and XXXX that's the only XXXX XXXX  over there where they had kept the money, and also I went to XXXX XXXX  in XXXX XXXX XXXX  XXXX a XXXX XXXX where is that they did a scam for me not to receive credit because someone was already using my credit so all these things that is going on due to it's been an investigation and state capital of legislative Empire for fraud stealing corruptions bribing taking people and habitats is already investigation that is pending now and it also LED with the New York XXXX for the judges within XXXX XXXX XXXX District attorney even detective police officers that started gang talking and stalking against, individuals like myself, I'm putting in a numerous reports and reports and reports throughout the whole entire State I have nothing but time from state to state to state the state New York XXXX XXXX XXXX  XXXX is corrupted they lost their restriction, I made reports with this agency before and so much scamming going on if this is official and legitimate please give me a contact as soon as possible thank 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 2025-07-07 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:
I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX  XXXX  XXXX XXXX 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 2025-07-07 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:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX  - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> 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 2025-07-07 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: MD

Complaint narrative:
On XX/XX/XXXX, I sent a 605B dispute to TransUnion and Experian. On XX/XX/XXXX, I followed up with a TransUnion representative named XXXX XXXX XXXX as she pronounced it ). I asked if this was the XXXX Department, and she confirmed multiple times that it was. I explained I was calling to confirm receipt of my dispute, and she stated they received it on XX/XX/XXXX and that I could expect a response around XX/XX/XXXX. I pointed out that the confirmation status showed it was picked up on XX/XX/XXXX and clarified that my dispute was a block under FCRA 605B ( 15 USC 1681c-2 ). I noted that this statute clearly outlines my rights and that since they had verified receipt of all required paperwork, they were obligated to block the alleged identity theft within XXXX business days, which had already passed. I also mentioned that they were supposed to notify the furnisher only after the block, contrary to their approach. After some polite conversation, I informed her I might file a complaint, to which she responded by saying she would escalate the matter. I asked again if this was the XXXX Department, and she reiterated that it was, though the team handling my case had already left for the day. 

I thanked her for her time and brought up an issue with accessing my TransUnion report due to incorrect information, which prevented me from aligning my answers with their records and caused repeated denial of access. She assured me that they had updated my name and address from the dispute and suggested I try again, stating I should no longer have issues. She also mentioned that someone would contact me within XXXX business days to discuss my report. I asked if she could mail me a copy of the report, but she encouraged me to try pulling it again, saying I wouldnt encounter any problems. However, when I attempted later that evening, I was still denied access. I ended the call after thanking her for her assistance.

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 2025-07-07 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of a collection account currently being reported on my credit report under my name and Social Security number. This account was listed without my authorization or knowledge, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2.

I did not authorize this account, nor did I grant permission for this entity to access or report any such information to your bureau. Under FCRA 1681b, a consumer reporting agency may only furnish a consumer report for permissible purposes. This account does not fall under any permissible purpose as outlined by federal law. 
Furthermore, per FCRA 1681i, you are required to conduct a reasonable investigation into any disputed information and respond within 30 days. I am requesting the following actions : An immediate investigation into the accuracy and legitimacy of this account.

Verification of the original source that provided this information to you.

Removal of the account from my credit file if it can not be verified with permissible purpose and proper documentation.

A written explanation of the outcome of your investigation and any actions taken. 



Please consider this letter as a formal dispute and request for reinvestigation. If this item is not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-07-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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

Complaint narrative:
Please remove this inquiry in accordance with the Fair Credit Reporting Act ( FCRA ), as I did not authorize this hard pull on my credit. I request immediate removal under 15 U.S. Code 1681b and 1681i. This inquiry is negatively impacting my credit score and was made without my consent. Please investigate and resolve this matter promptly

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 2025-07-07 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: OH

Complaint narrative:
Please remove this inquiry in accordance with the Fair Credit Reporting Act ( FCRA ), as I did not authorize this hard pull on my credit. I request immediate removal under 15 U.S. Code 1681b and 1681i. This inquiry is negatively impacting my credit score and was made without my consent. Please investigate and resolve this matter promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX received email notification from kia finance payment was past due- unable to call Kia Customer service- no weekend hours XXXX contacted Kia customer service- advised pymt was probably a paper check and that takes XXXX business days to process XXXX contacted XXXX- advised it was an electronic payment- kia did receive pymt XXXX contacted Kia- spoke with XXXX- all pymt processing systems checked- unable to locate pymt XXXX opened a claim with XXXX- closed same day- investigation confirmed correct merchant, pymt received ( claim # XXXX ) XXXX contacted Kia- spoke with XXXX- emailed proof of pymt to XXXX XXXX went into local XXXX branch XXXX XXXX, nj XXXX- confirmed with banker and XXXX representative via phone call account number for payment is correct and was sent correctly to Kia electronically XXXX followed up with kia- spoke with XXXX advised proof of pymt was not sufficient as per pymt processing dept- advised to send full bank statement- emailed full bank statement to XXXX XXXX followed up with kia- spoke with XXXX XXXX conferenced called XXXX- eventually connected to XXXX in Fraud department- allegedly sending proof of pymt with full account number on this to Kia via Fax # XXXX XXXX email : XXXX XXXX Followed up with Kia- XXXX XXXX confirmed documents received, no further updates - sent email to pymt processing team requesting status update XXXX email sent to corporate office with no response XXXX follow up email to corporate office sent. No response XXXX followed up with Kia- spoke with XXXX- unable to locate documents from XXXX confirmed receipt of what I sent- resending what I have provided XXXX contacted XXXX- spoke with XXXX  advised going into local branch for documents relating to claim- asked for supervisor- connected to XXXX ( claims resolution manager ) - XXXX business days to process request for documents- no timeframe for when I can expect to receive documents or delivery ( ref # 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 2025-07-07 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I recently noticed a hard inquiry on my credit report from an entity with which I have no relationship. I have never applied for any credit or services from them, nor given authorization for them to access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB
State: GA

Complaint narrative:
I have notified XXXX twice about a recent XXXX  XXXX bankruptcy filing that was discharged on XX/XX/XXXX. Indebted has failed to act accordingly and notify the original creditor despite receiving all requested information and/or documentation of bankruptcy. 

I requested that the account number ending in XXXX be closed out due to the account being included and discharged in the bankruptcy. I am including the information for the bankruptcy filing.

Bankruptcy Type : XXXX  XXXX Filing date : XX/XX/XXXX Bankruptcy Case Number : XXXX Attorney : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

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 2025-07-07 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing this complaint because my credit report is displaying information that is outdated and past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), specifically the 7-year reporting limit for negative information ( 15 U.S.C. 1681c ) .The account in question is SYNCB/Walmart, and it is being reported by XXXX XXXX XXXX and XXXX  ]. This account became delinquent and was charged off more than 7 years ago, yet it continues to appear on my credit report. This continued reporting is inaccurate and a violation of FCRA guidelines, which prohibit the inclusion of derogatory information that is older than 7 years, with the exception of certain bankruptcies and other specific cases not applicable here. I have already contacted the credit reporting agencies and/or the furnisher of the information and requested a correction, but the issue remains unresolved.

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