vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate information reported on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the reporting of accurate information. Your continued reporting of this inaccurate data is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, including the reporting of inaccurate information. Furthermore, this is also a violation of the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1681b, which regulates the permissible purposes for credit reporting and mandates accuracy in reporting. 

Despite my previous disputes, you have failed to correct or remove this information. This is an ongoing violation of my consumer rights, and I demand immediate correction or deletion of the inaccurate data as required by law. Failure to comply with these regulations will result in further legal action.

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RESOURCE MANAGE OUT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME! I REQUEST THAT THEY IMMEDIATELY CEASE ALL ATTEMPTS IN COLLECTING THIS DEBT THAT DOES NOT BELONG TO ME AND TO REMOVE IT FROM ANY CREDIT REPORTING AGENCY THAT THEY REPORTED THIS FALSE ACCOUNT TOO IMMEDIATELY AS THIS IS VIOLATING FEDERAL LAW AND I WILL TAKE IMMEDIATE ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-03 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently opened a new checking account with Citibank, expecting the convenience and protections of a globally recognized financial institution. However, after attempting to withdraw {$5000.00} from my account through a series of ATM withdrawals and debit card-based money transfer services ( e.g., XXXX XXXX XXXX XXXX ) XXXX my card was locked, and then permanently disabled and my account is under review. This occurred despite successfully withdrawing an initial {$1000.00} and after calling Citibank support to verify my identity.

After multiple failed attempts to unlock the card and after following every security instruction given, my account was placed under review. It has now been over seven ( 7 ) business days and I have been given no timeline, no resolution, and no contact person for this review. My funds are inaccessible, I live 5 hours from the nearest branch and every customer service representative simply repeats that my account is under review with no meaningful information. This is a critical hardship in a cashless world where we rely on our debit cards to meet daily needs. My overwhelming concern is that my direct deposit from Social Security goes to this account and if they close it, I will not have access. It takes two months to change direct deposit with SSA.

As a consumer, I understand the need for fraud prevention. However, Citibanks actions have effectively frozen my account without just cause or due process. I am being denied access to my own funds and am left in a financial quagmire. I called before hand to prevent this issue.

I request that Citibank : Expedite the account review and unlock my access.

Assign a case manager or point of contact.

Do not close the account if that is their direction for 90 day to allow my to shift my direct deposit. I would like a written explanation for the freeze, especially if the account closure is being considered. I ask that action not be taken. Every transaction has been executed by myself. Compensation for hardship/inconvenience as I had {$250.00} late fee not being able to access the funds on the date I tried to withdraw my own funds.

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 2025-06-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

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

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

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

XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$930.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX XX/XX/XXXX - {$50.00} XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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 2025-06-03 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:
employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Company restricted my account then closed the account after returning my confirmed payment. They have non reimbursed my original account in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: Self Financial Inc.
State: TN

Complaint narrative:
Company : Self Financial , Inc.

What is your complaint about?

Unauthorized transaction and failure to resolve dispute What happened? 

On XX/XX/XXXX, I was charged {$96.00} for an XXXX XXXX subscription on my Self Financial Visa card. I did not authorize this transaction. I have not used XXXX since early XXXX, and I have never shared my card information with anyone. 

I contacted Self Financial on XX/XX/XXXX, to dispute the charge. I also reached out directly to XXXX, who confirmed that no account is associated with my card number. This confirms that the charge is unauthorized. 

In addition, I contacted XXXX XXXX, and they informed me that Self Financials Visa card is not compatible with XXXX XXXX  Therefore, there is no transaction record within XXXX XXXX, further supporting that this charge was not authorized by me or processed through any linked wallet account. 

Despite all of this, Self Financial has refused to reverse the charge. They claimed that because I had previous history with the merchant, they would not approve my dispute. However, I have not used XXXX in over a year, and prior legitimate transactions do not justify approving unauthorized charges. 

This is part of a larger issue. I have had to replace

my Self Financial card three or four times due to recurring fraudulent Uber-related charges. I even provided them with a previous case number to show this pattern, but they falsely claimed no previous dispute was ever submitted. They also suggested the charge may have been processed
using my account and routing number, but I do not know that information, have never used it knowingly, and have no way of locating it.

Self Financial has also failed to place a stop payment or block the merchant, even after repeated fraud reports. This lack of protection and refusal to acknowledge the pattern of fraud is extremely frustrating. 

What would you like the company to do to resolve your issue? 
Refund the unauthorized {$96.00} charge from XX/XX/XXXX Acknowledge and investigate my previous fraud case ( s ) Permanently block any future Uber-related charges Explain why fraud protections failed after multiple card replacements Provide a written resolution and steps being taken to prevent future unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Charge off accounts still reporting as past due Paid off accounts not removed and still reporting Multiple same charge-off accounts reporting Charge iff account was for another company

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 2025-06-03 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2025-06-03 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-03 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time and paid of all full and all acount close long time already. The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate this account and update these payments to paid on time And update account good standing immediately. Thank you for your understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX XXXX ) XXXX XXXX. XXXX : XXXX open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation