vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
b'I am a consumer reviewing my credit and attempting to fix inaccuracies. I am asking for a reinvestigation of the following accounts on my TransUnion file, as the information reported appears to be inaccurate or incomplete. Please ensure full FCRA compliance and correct or remove any information that cannot be properly verified.\n\nCHARGED OFF ACCOUNTS (TU)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlease provide the results of your reinvestigation and update or remove all items that cannot be properly verified.'

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
b'I am writing as a consumer who is trying to fix my credit. I am disputing several accounts that appear to be inaccurately reported on my Equifax credit file. I am requesting a full reinvestigation under the FCRA because these items may be misreported, incomplete, or unverifiable.\n\nCHARGED OFF 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 XXXXPlease verify all information thoroughly and update or delete anything that cannot be fully validated.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In XXXX I voluntarily surrendered my vehicle to Bank of America. The vehicle was sold by the lender, and the proceeds from the sale completely satisfied the remaining balance on the loan. After the sale, Bank of America issued me a surplus refund check, which confirms that the sale of the collateral produced more than the loan balance and that no loss or deficiency ever existed. 

Despite the loan being fully satisfied through the collateral sale and surplus refund, Bank of America is reporting a Paid Charge-Off, a Charge-Off Amount, and derogatory statuses that are materially inaccurate. Their own reporting shows conflicting entries including Voluntary Surrender, Charge-Off, and Amount Past Due :. These entries contradict each other and do not reflect the true disposition of the account. 

A charge-off indicates a loss, but a surplus refund indicates the lender recovered more than the loan balance. Both can not be true at the same time. This makes the reporting misleading and factually impossible under UCC Article 9 and FCRA accuracy requirements. 

This inaccurate reporting has caused me financial harm, including credit denials, higher interest rates, and loss of business credit opportunities. I have already attempted to resolve this by sending Bank of Americ

a a UCC 9-210 request for a full accounting, a direct dispute under FCRA 623 , and a dispute to the credit bureau under FCRA 611 . I also provided sworn affidavits explaining the inaccuracies. Bank of America has not provided proper documentation or corrected the reporting. I am requesting that the CFPB require Bank of America to conduct a
full investigation, provide an accurate accounting of the loan, and correct or delete the inaccurate charge-off reporting.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for the Citi XXXX XXXX XXXX credit card through the official XXXX website. Throughout the entire application process, the only card shown and described was the XXXX XXXX XXXX. There was no mention whatsoever of the Citi XXXX XXXX card or any alternative product. 

After submitting the application, I was unexpectedly approved for a different credit card, the Citi XXXX XXXX, which I did not apply for and which was never disclosed to me during the application process. This constitutes an unauthorized product substitution. 

I immediately contacted Citi the same day to cancel the application and prevent the incorrect card from being opened. I explained that I had applied only for the XXXX card and did not authorize or agree to the XXXX XXXX card. Citis representatives informed me that they could not stop the approval process and that I would need to wait several days before I could request the account be closed. They also stated that they could not prevent the new account or inquiry from being reported to the credit bureaus. 

This situation is unacceptable and feels deceptive. I did not receive clear disclosure of the actual product I was being approved for, nor did I consent to opening a Citi XXXX XXXX card. I am now at risk of negative impacts to my credit score because of an account I did not intend to open. 

I am requesting CFPB assistance to ensure that Citi : Immediately closes the unauthorized Citi XXXX XXXX account, Removes any credit bureau inquiry or reporting associated with this account, and Confirms that no negative credit impact will occur as a result of this incident. 

I have documentation of the application, the approval for the wrong card, and my calls to Citi attempting to resolve the issue. 

Thank you for reviewing this complaint.

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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: IN

Complaint narrative:
On XX/XX/year> I paid off my 24 month loan from easypay. Then in the following month XXXX, they took {$100.00} dollars out of my bank account without my permission. My bank issued a refund due to the fact it was not authorized by me. Easypay is stating that the {$100.00} are late fees. Now it's XXXX and they are charging me {$120.00} ( {$25.00} ) insufficient fund fee on something they tried to take without my permission. The loan payments were taken from my account regularly and if a late fee was owed they would take the {$10.00} along with payment. Regular payment of {$160.00} with late payment {$170.00}. I fulfilled the contractual amount but they are refusing to close the account unless I pay more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX  Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IL

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 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 2025-11-24 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: GA

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit reports. I am disputing the following accounts and inquiries because they contain incomplete, inaccurate, or unverifiable information. I am requesting a full investigation under the FCRA, including verification of all data, reporting compliance, and correction or removal of any information that can not be fully verified. 

Charged Off Accounts XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX : XXXX Filed : XX/XX/XXXX Balance : XXXX Inquiries XXXX 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX LexisNexis Risk Solutions XXXX : Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Re : DISPUTE OF BANKRUPTCY REPORTING DEMAND FOR REMOVAL Bankruptcy Case No. : XXXX To Whom It May Concern, I am formally disputing the bankruptcy LexisNexis is reporting under my consumer file. I contacted the Bankruptcy Court directly, and I received an official written statement confirming : The Bankruptcy Court does NOT report, verify, validate, or furnish bankruptcy information to LexisNexis, the credit bureaus, XXXX, or any third-party reporting agencies.

The court does NOT communicate bankruptcy data to consumer reporting agencies of any kind. 

Since the court is the only original authoritative source for bankruptcy records, this means LexisNexis could NOT have verified this bankruptcy at the source. Therefore, the information you are furnishing is : Unverifiable Not provided by the originating authority Not validated at the source of truth Potentially inaccurate in violation of FCRA 607 ( b ) Improperly maintained and improperly furnished I am demanding the immediate deletion of this bankruptcy from my LexisNexis file due to your inability to verify it with the originating source.

I have attached the official letter from the Bankruptcy Court, which directly contradicts any claim that LexisNexis or any third-party vendor verified this data. 

Under the Fair Credit Reporting Act, you are required to : Reinvestigate within 30 days, Identify the true source of your data, and Delete any record that can not be verified at the original source. 

If this unverified bankruptcy remains on my file after you have received written proof from the court, I will escalate immediately to the Consumer Financial Protection Bureau, state regulators, and pursue additional remedies for inaccurate and unlawful reporting. 

Please send written confirmation of the results of your reinvestigation to the address listed above. 

Sincerely, XXXX XXXX XXXX Attachments : Official Letter From Bankruptcy Court Confirming No Reporting, Verification, or Validation of Bankruptcy Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify information, e.g., Social Security number, account numbers ], may have been accessed, used, or misappropriated without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my personal information protected and to be promptly notified of any unauthorized use. I am requesting that you take immediate action to : Investigate any potential unauthorized access to my information, including any accounts that may have been opened or altered without my consent.

Correct, update, or remove any inaccurate or fraudulent information from my credit report that may be linked to this breach.

Provide written confirmation detailing the results of your investigation and the actions taken to address this issue.

Failure to address this matter promptly may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as potential legal action to enforce my rights under the FCRA. 

Please treat this complaint with urgency and provide confirmation of receipt and investigation without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding a data breach that has potentially compromised my personal and financial information. Sensitive data, including [ specify information, e.g., Social Security number, account numbers ], may have been accessed, used, or misappropriated without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my personal information protected and to be promptly notified of any unauthorized use. I am requesting that you take immediate action to : Investigate any potential unauthorized access to my information, including any accounts that may have been opened or altered without my consent.

Correct, update, or remove any inaccurate or fraudulent information from my credit report that may be linked to this breach.

Provide written confirmation detailing the results of your investigation and the actions taken to address this issue.

Failure to address this matter promptly may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as potential legal action to enforce my rights under the FCRA. 

Please treat this complaint with urgency and provide confirmation of receipt and investigation 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