vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-10-28 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:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. XXXX ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized. 
15 U.S.C. XXXX You are required to block identity theftrelated information within XXXX business days of receiving all required documentation which you now have. 
XXXX XXXX. XXXX By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense. 
15 U.S.C. XXXX ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXX.XX/XX/XXXXAccount Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXXXXXX Account Number : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and mentally competent. My daughter, XXXX XXXX, was added as a joint owner on my Bank of America account in XXXX XXXXXXXX XXXX XXXXXXXX without my consent. My granddaughter, XXXX XXXX, has a Power of Attorney, and we brought it to the bank with our lawyer, but the bank refused to recognize it and sided with my daughter. 

I also provided a police report documenting theft, but the bank ignored it. The bank has allowed my daughter to withdraw thousands of dollars without my consent, and I do not know where the money is. The account had been frozen but was recently unfrozen, and the bank called me saying my daughter plans to take the rest of the money within two weeks, even though I told them not to allow withdrawals.

I have all copies of my Power of Attorney, police report, and related documents and can provide them if needed. 

I am asking the CFPB to investigate Bank of America in XXXX XXXXXXXX XXXX  XXXX, enforce the Power of Attorney, stop unauthorized withdrawals, and protect my remaining 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Please update Departmen on Ed Aidvantage account # XXXX to paid as agreed or delete from credit report XX/XX/year> is paid as agreed but the next month XX/XX/year> is showing 90 days late less that 30 days later. These inaccuracies require full deletion or update to paid as agreed. There is also discrepancies with balance owed XXXX  is reporting {$8500.00} and XXXX  is showing {$8500.00}. These are inaccurate and multiple discrepancies I demand deletion from my credit report. I was also a victim o the data breech for transunion. 

I am requesting that this Department of ED/Advantage account # XXXX be deleted from my consumer credit report due to inaccuracies on XXXX  and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding XXXXXX/XX/XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I entered an agreement with Citibank to settle my credit card debt. I was given a settlement agreement with the amount of {$3400.00} which was taken in full from my personal checking account on XX/XX/XXXX reflected on my bank statement XX/XX/XXXX. They continue to submit missed payments to the credit bureau which I have disputed. I have called 4 times with the 3rd call XX/XX/XXXX at XXXX EST with a gentleman stating the settlement agreement was not closed properly but this would be resolved by XX/XX/XXXX. He also stated that the girl that I entered into this agreement with would be educated on doing her job properly. This matter has not been resolved by Citibank and they have continued to report false information on 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 non-monetary relief
Consumer complaint received 2025-10-28 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 this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

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 2025-10-28 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: MI

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-28 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: MI

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-10-28 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: OH

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 XXXX  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 XXXX XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to provide me exact amounts how much past dues payments per month were approved under my Bankruptcy Plan and a copy of amortization schedule of payments Please disclose and itemize how much was approved by the bankruptcy Court under my plan for past dues interest and principal payments Please disclose how much was approved by bankruptcy court under my plan for past dues escrow per month.

Provide me a copy of my bankruptcy Plan with full amortization of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Good day, I am writing to ask that the following payment that was late taken off my credit report. The charging process has made an error. There was never a moment when I was late with this payment. I never failed to make a payment because my account was pre-set to do so.

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 2025-10-28 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: TX

Complaint narrative:
Good day, I am writing to ask that the following payment that was late taken off my credit report. The charging process has made an error. There was never a moment when I was late with this payment. I never failed to make a payment because my account was pre-set to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Unreasonable Hold on Verified Payroll Check Request for Immediate Review On XX/XX/year>, I deposited my first payroll check from my verified employer through XXXX into my Citibank account. The check amount was {$1100.00}, and Citibank placed a hold on the full amount until XX/XX/year>. 



I have provided my pay stub and employer verification, and Ive contacted both Citibank customer service and the branch manager. Despite confirming this is a legitimate payroll check, I was told I must wait until XX/XX/XXXX for the funds to clear. 



This is causing financial hardship and unnecessary delay of my earned income. Im requesting that Citibank immediately verify the check with my employer or XXXX and release the funds, or provide documentation showing why the full 7-day hold is required. 



I am filing this complaint because I have exhausted attempts to resolve the matter directly with the bank. I can provide documentation of my deposit and payroll verification if needed. 



Requested Resolution : Release of verified payroll funds, and assurance that future legitimate deposits will not be subject to excessive holds.

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 2025-10-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$480.00}

Company response to consumer: Closed with explanation