vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-23 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:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the XXXX credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin 4 business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX CA XXXXACCOUNTSXXXX XXXX  Account Number: XXXX Date Opened: XXXX Balance: XXXX XXXX XXXX - Account Number: XXXX, Date Opened: XXXXBalance: XXXX XXXX - Account Number: XXXX Date Opened: XXXX Balance:XXXX  - Account Number: XXXX Date Opened: XXXX Balance: XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX Balance: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
What is the issue? 
Credit reporting company is reporting inaccurate information. 

What happened? ( Details of your complaint ) I am filing a formal complaint against XXXX for reporting an inaccurate charge-off account on my credit report. The account details are as follows : Creditor Name : XXXX Account # : XXXX Status : Closed - Charge Off Reported Balance : {$2300.00} Credit Limit XXXX {$1900.00} Reported Past Due : {$2300.00} Date Reported : XX/XX/year> The reported balance exceeds the credit limit, which raises concerns about the accuracy and legitimacy of this debt. This reporting may violate the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681 et seq, specifically : Section 611 ( 1681i ) : I have a right to dispute any information that is inaccurate, incomplete, or can not be verified.

Section 1681s-2 : Furnishers are required to report accurate information and correct errors.

Section 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

To date, I have not received proper validation or proof of this debt. Until this information can be verified with supporting documentation, it should not continue to appear on my credit file. I respectfully request an investigation and removal of this account if it can not be substantiated.

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 2025-06-23 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:
This is my third attempt to file a formal complaint about my inquiries on my credit report. 
Can you please update my personal information correctly. 

employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX There are few inquiries i do not approve. 
Please remove all inquiries from Experian and TransUnion I do not have any complaint with XXXX. 

U.S. Code Section 1341 addresses mail fraud, making it a federal crime to use the mail system to execute any scheme to defraud. This includes using government or private mail carriers to further fraudulent pretenses, representations, or promises. The elements of the offense include ( 1 ) a scheme to defraud and ( 2 ) the mailing of materials to execute that scheme. Violations can lead to severe penalties, including imprisonment and fines. For the full legal text, you can refer to the official XXXX Code.

4

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 2025-06-23 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: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Todays date : XX/XX/year> Everything happened on this date. I went into a XXXX warehouse and was offered to apply for the XXXX Citi Credit Card. I was told at the counter, after asking, that this card would not inquire a hard inquiry on my account unless I was accepted. I made sure to ask because I knew some companies do it regardless and some dont such as American Express . After applying, I was told I would hear back. But, after that I saw I did receive a hard inquiry on my account. After trying to call Citi Bank numerous times, it was impossible to ever make it to someone who could help me. I started off with about XXXX minutes of an AI not navigating me anywhere. Once I reached the first person, I was then transferred to a new department. After that, I was transferred again. At the conclusion, I never reached the final transfer because the AI just hung up. This was really frustrating and I just wanted to see if I could be reconsidered for the credit card or have the hard inquiry removed from my credit account.

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 2025-06-23 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: CA

Complaint narrative:
Im writing because Ive found incorrect and potentially damaging information on my credit report, and I need it addressed immediately.

Specifically, there is an account listed that I either do not recognize, did not authorize, or contains data that does not accurately reflect my financial activity. Im disputing the validity of this information and demanding a formal investigation into how and why it ended up associated with my name and credit file.

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 2025-06-23 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to formally dispute and request the deletion of outdated and inaccurate personal information from my credit file, specifically related to old employers and past addresses. I have contacted both TransUnion and Equifax previously regarding these issues, and was informed that updates would be made. However, as of today, these inaccurate records remain on my report. 
Employers to Remove : - XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXXXXXX ( Equifax ) Addresses to Remove : - [ List outdated addresses here that need to be removed ] Impact on Disputes : The continued presence of these outdated employers and addresses is actively interfering with my ability to fairly dispute negative accounts. Disputed items are being improperly verified because they are being linked to this outdated personal information. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 611.

Important Notice Regarding Legal Action : Please also be reminded that there is an active class action lawsuit against the credit bureaus regarding the failure to properly investigate and delete negative accounts, despite consumers providing valid disputes and supporting documentation. Your ongoing failure to remove outdated personal data and reinvestigate disputed accounts places your agency at legal risk and may result in regulatory penalties or further consumer litigation.

I am requesting immediate removal of the employers and addresses listed above, as well as a reinvestigation of any accounts previously verified while this outdated personal information was on file. Please confirm the deletion and provide me with an updated copy of my credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/XXXX I tried to transfer some funds from my Citi Accelerate Savings account to another institution. Citibank online wouldn't let me do it. So, I called Citi Cutomer Care 3 times on XX/XX/XXXX - according to my phone records. They said there was a hold on my account and to call back later in a week and they would have some information. I called Customer Care back on XX/XX/XXXX and spoke with someone for XXXX minutes - my phone records indicate. They still couldn't give me any information. I called Customer Care again on XX/XX/XXXX and spoke with someone for XXXX minutes -according to my phone records and they still had no information. I was so sick of the matter that I called their Security Department 3 times on XX/XX/XXXX for a total of XXXX minutes and spoke with someone from XXXX. At first the security person indicated that I had filed an identity theft complaint with them and I said No I had not filed an identity theft complaint. He then backed off of that position and said he couldn't tell me why my account was on hold. But, he said he would mail me information in a week to 10 days as to what was going on. 
I received a correspondence fro Citi a couple days after XX/XX/XXXX. The correspondence said my account had been inactive for 2 years without any activity and I needed to fill out a form, have it notarized and mail it back to them and I would then be able to access my over {$27000.00}. I did as they asked and mailed the signed and notarized form back to Citi on XX/XX/XXXX. Prior to my mailing the form back I filled out and identical form signed and had it notarized also and sent it certified mail to the Citibank office in XXXX XXXX Texas. I waited a couple of weeks to recive the certification receipt back and never did receive it. So, thats when I decided to fill out a duplicate form and have it notarized and mailed it on XX/XX/XXXX. 
The form also stated I could make an online deposit to my account and that would work to release my funds. I made an online deposit to my account of {$25.00} on XX/XX/XXXX and another online deposit for {$25.00} on XX/XX/XXXX. Both deposits show on my account statement. 
I tried to transfer {$100.00} out of my account on XX/XX/XXXX and it looked like it was going to go through. But, Citi cancelled the transfer on XX/XX/XXXX. 
I have documentation of all that I have stated. 
Citibank terms and conditions indicate an account will be considered inactive under applicable state law statutes. As I am a XXXX XXXX Mississippi law is applicable. Mississippi law states 5 years is the time frame required for inactivity.

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 2025-06-23 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: PA

Complaint narrative:
This account was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate removal of this account to ensure that your agency is reporting full and only complete information on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Subject : Urgent Dispute Regarding Retail Installment Contract and Financial Hardship I am writing to express serious concerns regarding my retail installment contract and the financial difficulties I am experiencing as a result. 

Firstly, the contract shows that I am paying {$720.00} per month. However, this is not what I agreed that was on the electronic pad at the car dealership. The terms I agreed to differ from what is reflected in the contract. 

Additionally, the contract incorrectly states that I traded in my previous vehicle, but in reality, there was no trade-in involved. This misrepresentation has impacted the terms and possibly the financing. 

Furthermore, I have requested the original contract from the bank, but the copy provided to me was blurry and unclear. I am concerned that the bank may have sold or transferred my contract without my proper knowledge or clarity. 

The financial burden of this loan has become unmanageable. I am unable to afford the payments, and as a result, I have lost my apartment. I am in a dire situation and need assistance in resolving this matter. 

Please review my case and provide guidance on how to address these discrepancies. I am hopeful for a resolution that can help me avoid losing everything. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

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 explanation
Consumer complaint received 2025-06-23 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: FL

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