vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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 is violating the FCRA by adding inquiries that has not been authorized by me. These inquiries must be removed as they are improper use of my consumer report. Experian has the responsibility to furnish my consumer report fairly and accurately otherwise they're in violation and inhibiting my ability to be accurately analyzed for credit. 

Please remove 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 XX/XX/XXXX )... 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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Repeated Cancellation of International Wire Transfers Summary : Citibank has systematically cancelled three consecutive international wire transfer requests without providing any legitimate explanation, despite multiple fraud verification calls and explicit assurances from bank representatives. This pattern of incompetence has effectively held my funds hostage for over a week, wasting countless hours of my time and causing significant financial disruption. Each cancellation occurred after I completed required fraud prevention protocols and received confirmation that the transfer would proceed within 24 hours. 

* * Detailed Timeline of Events * * XX/XX/year> : - Initiated international wire transfer of {$49000.00} from Citibank U.S. checking account to my XXXX account XX/XX/year> : - Received email requesting fraud prevention verification call - Completed verification call immediately ; representative confirmed transfer would process within XXXX hours XX/XX/year> : - First transfer cancelled without explanation - Initiated identical second transfer request XX/XX/year> : - Received second fraud prevention verification request - Completed verification call ; again assured of XXXX processing XX/XX/year> : - Second transfer cancelled without explanation - Called Citi Wire Specialist Unit demanding explanationthey provided none and instructed me to retry - Initiated third transfer during call and completed fraud verification immediately with agent present - Agent assured me transfer would process within 24 hours and documented instructions to prevent future cancellations without customer contact XX/XX/year> : - Received third fraud prevention request despite previous day 's verification - Contacted fraud team who redirected me to Electronic Funds XXXX XXXX XXXX XXXX XXXX - EFA team XXXX XXXX minute review timeline - Third transfer cancelled immediately after EFA call ended - XXXX instructed me to XXXX fourth transfer request, claiming inability to reverse cancellations - I made the fourth transfer request. The agent on the call told me that they have requested for an expedited review of the request and said someone would call me in 15-20 mins for an update ... and of course, no one called 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 non-monetary relief
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XXXX, a charged-off account from XXXX XXXX appeared on my Experian credit report. This account does not appear on my XXXX XXXX XXXX reports. I believe the account is either inaccurate or unverifiable, and I have disputed it multiple times. 

I submitted : An online dispute through Experians website. They responded by stating the account was updated in XX/XX/XXXX but denied the dispute without showing how it was verified. 

Three mailed disputes, each including supporting documentation. None of these disputes received a proper response.

Follow-up letters, but I have not received evidence that Experian actually verified the account with XXXX. 

Despite these actions, Experian continues to report the charged-off account, damaging my credit unfairly. I have made every effort to resolve this through the correct channels and have been more than patient. 

Experian has failed to meet its obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and remove unverifiable or inaccurate information. At this point, I am left with no choice but to escalate the issue through the CFPB.

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 2025-06-10 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-10 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TX

Complaint narrative:
From XX/XX/XXXX untill XX/XX/XXXX did not make any of those transactions or ATM withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XX/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 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXX  XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This is a direct legal demand pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act. You are knowingly reporting inaccurate, unverifiable, and obsolete information on my credit profile dated XX/XX/XXXX. 
This is an egregious violation of federal law.

I demand an immediate investigation and removal of the following erroneous entries unless verifiable proof is provided within 30 days : - Charge-off accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX XXXX - Collection accounts such as XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX - Auto loan : XXXX XXXX XXXX ( Acct # XXXX ) reported with inaccuracies and unverifiable data - XXXX XXXX XXXXXXXX ( Acct # XXXX ) account marked 'Not Satisfying XXXX ' - Obsolete and inaccurate names : XXXX XXXX XXXX XXXX XXXXXXXX Outdated and incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Only address that should remain : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i and 1681e ( b ), you are legally required to ensure the accuracy and integrity of consumer data. Any failure to delete unverifiable or inaccurate information will be considered willful noncompliance. I am also demanding the method of verification under 609 ( a ) ( 1 ) ( A ).

Your refusal to remove all addresses except XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a blatant violation of FCRA compliance and constitutes negligence in protecting the integrity of my consumer file.

You have 30 days to comply. Failure to do so will result in complaints to the CFPB, FTC, and Attorney General, and civil action under 1681n and 1681o for willful and negligent noncompliance. 
Thank you 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
I have a collection with Lockhart morris and Montgomery llc and I had set up a payment arrangement with them. I asked them at the time if setting it up that if I could have verification of this agreement and they told me no that its in their website portal. Not a few months later I need this verification of a payment arrangement and they absolutely refuse to get me one even though that are drafting my account for payments.

They told me they dont do that and I would get a letter when it was paid off but not that both of us them and i agreed in a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, I discovered suspicious activity associated with my account ending in XXXX, which led me to believe that my identity had been compromised. Upon calling the customer service line to report my card as lost, I was alerted by the automated system that the account balance was incorrect and did not reflect my known transactions. 

During the same call, the customer service representative informed me that my cell phone was recently " pinged '' in relation to account activity. This raised additional concern, as my previous phone had been lost and was recently replaced. I did not authorize any transactions or access attempts during the period in which my phone and card were lost. 

Based on these events, I believe that an unauthorized individual has gained access to my financial information and may be using my identity without my permission. I am filing this statement as part of my formal identity theft report. Identity theft affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I disputed this account with Equifax, and they have failed to provide any verification or proper documentation to support the continued reporting of this closed, charged-off account. The information remains on my report despite no proof of its accuracy or legality being presented. I have not received any signed agreement, detailed billing history, or validation of default. This negatively affects my credit and violates FCRA guidelines for reporting accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-10 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: AZ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MS

Complaint narrative:
I was impacted by a data breach and I am now being affected by these accounts reporting on my credit. 

Please refer to the attached documents pertaining to the Equifax data breach

Company response to consumer: Closed with non-monetary relief