vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to request an update to my personal information on my credit file. 

Please update my records with the following correct information : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX The information currently on file is incorrect I'M requesting that it be corrected/Deleted as soon as possible. I have enclosed copies of the necessary identification documents to verify my identity and support this request. 



Please confirm once the updates have been completed, or contact me if any additional information is required. 



Thank you for your time and assistance. 



Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing this complaint regarding Citibanks repeated failure to protect my credit card account from unauthorized recurring charges, despite multiple corrective actions taken by me and explicit instructions provided to Citibank. 

Citibank allowed more than {$2500.00} in recurring charges to post beyond my credit limit, creating balances that I did not authorize and could not control. These charges were largely subscription and automatic renewal fees, not merchandise or one-time purchases. 

After discovering this, I locked my credit card specifically to stop recurring charges. Despite the card being locked, Citibank continued to allow recurring charges to post, defeating the purpose of the lock and rendering it meaningless. 

I then changed my card number multiple times, yet the same merchants continued to successfully charge my account. This indicates Citibank permitted account updater or similar services to pass new card numbers to merchants without my consent. 

Compounding this issue, I am unable to reliably download or access statements from Citibanks website, preventing me from timely identifying, documenting, and disputing these charges. 

I disputed several charges and explicitly instructed Citibank to stop allowing these recurring transactions. Despite this, the charges continued, and balances increased. Some merchantssuch as XXXXprocessed automatic renewals after I had explicitly declined them, and Citibank still approved the transactions. 

Citibanks actions ( or inaction ) have caused : Unauthorized balances Improper credit utilization Loss of control over my account Significant time spent disputing charges that should never have been approved

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 2025-12-28 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: CO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} BANKCRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : IR Date : XX/XX/XXXX Late Payments : I am disputing the following late payment entries across all bureaus : DEPTEDXXXX 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 explanation
Consumer complaint received 2025-12-28 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 disputing the following charged-off accounts reported by TransUnion, as they appear to be inaccurate or incomplete. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Inquiries : No Inquiries Found Late Payments : XXXX 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 2025-12-28 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:
I am disputing the following charged-off accounts reported by Experian, as they appear to be inaccurate or incomplete. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}

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 2025-12-28 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: IN

Complaint narrative:
I am filing this complaint regarding Experians failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 

I disputed a charge-off account reported by XXXX XXXX ( Account ending XXXX ). 
Experian responded in XX/XX/XXXX stating the account was verified, yet my credit report reflects multiple accuracy and compliance violations. 

First, the account is reported as charged off continuously through XX/XX/XXXX. XXXX XXXX standards permit only a single charge-off event, not recurring charge-off reporting. 

Second, the balance has remained unchanged since XX/XX/XXXX with no postcharge-off activity, violating 15 U.S.C. 1681 ( a ) ( 1 ), which requires maximum possible accuracy.

Third, Experian failed to provide the method of verification or identify any documents relied upon, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Finally, XXXX response states that information unrelated to my dispute was updated, confirming that the dispute itself was not substantively addressed.

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 2025-12-28 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: WI

Complaint narrative:
My identity have been stolen in a data breach and these credit bureaus have been reporting inaccurate information.

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 2025-12-28 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: WI

Complaint narrative:
My identity have been stolen in a data breach and these credit bureaus have been reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing my third complaint against TransUnion regarding repeated failures to properly investigate and accurately report multiple tradelines that have been in dispute for well over XXXX months. The accounts include late payments and charge-offs reported by XXXX Bank XXXX XXXX, XXXX, XXXX ) XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
There are material discrepancies in late payment reporting across all three credit bureaus, particularly on the XXXX Bank ( CCB ) accounts, which indicates a failure to maintain reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 
Despite submitting direct disputes with full documentation every time, TransUnion has repeatedly responded via email and mailed letters stating that they believe the disputes did not come from me and that I am working with a third party, while simultaneously acknowledging receipt of my documentation. These responses do not constitute a reasonable investigation. 
TransUnion has never provided any actual verification for the reported charge-offs or late payments. No account-level documentation, no payment history, no date-specific validation, and no evidence of furnisher verification has been produced. Instead, TransUnion continues to mark the accounts as verified or in active dispute without meeting the legal standard for verification under the FCRA or Metro 2 reporting guidelines. This pattern has continued for more than six months despite multiple disputes and prior complaints.TransUnions actions violate multiple provisions of federal law and reporting standards, including : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to verify disputed information FCRA 611 ( a ) ( 5 ) ( A ) Continued reporting of unverifiable information FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or that should be known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to correct and update inaccurate information FCRA 623 ( a ) ( 3 ) Failure to report accounts as disputed Metro 2 Credit Reporting Guidelines Requiring consistent payment histories, accurate date fields, and verifiable account status across all consumer reporting agencies TransUnions claim that it needs clarification after more than XXXX months of detailed disputes does not satisfy any statutory requirement and confirms willful noncompliance, not confusion.

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 2025-12-28 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: NY

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate or incomplete. Below is a detailed account of the items in question, separated by bureau. I respectfully request that these items be investigated, corrected, or removed as appropriate. 

CHARGED OFF 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 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 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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
I noticed on XX/XX/XXXX that there were XXXX pending withdrawals against my Chime account ( {$35.00} each, all at XXXX, all within XXXX minutes ). I couldn't dispute because they were pending, so I requested a new debit card, instead. When XXXX of the transactions settled, I started the dispute process. That's when I saw another XXXX charge I didn't authorize ( {$45.00} on XX/XX/XXXX ). I disputed the charge on XX/XX/XXXX & the XXXX settled charges on XX/XX/XXXX. ( The XXXX charge on XX/XX/XXXX fell off without settling. ) Never lost my debit card or gave my card info / login / PIN to anyone. Told Chime that in my dispute. They denied my dispute without explanation. I did not make these charges! I rarely go to XXXX- certainly not multiple times in XXXX month- and I wouldn't have made multiple {$35.00} charges XXXX at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my fourth complaint against Experian Information Solutions , Inc. Experian continues to improperly close my complaints by labeling them as potential fraud or identity theft, despite the fact that I have never claimed fraud, identity theft, or account takeover. 
I am filing this complaint because Experian is mischaracterizing lawful FCRA disputes as fraud in order to avoid compliance with its reinvestigation obligations under the Fair Credit Reporting Act ( FCRA ). 
To be clear : I have not reported identity theft I have not claimed fraud I have not requested a fraud block I have not disputed ownership of my identity My dispute is strictly about accuracy, verification, and lawful reinvestigation under FCRA 611 ( a ).

Experian has repeatedly failed to : Conduct a lawful reinvestigation within the 30-day statutory period Provide any documentation supporting the accuracy of disputed items Provide a method of verification Obtain or review underlying contracts, billing statements, payment histories, DOFD evidence, or Metro-2 compliant data Instead, Experian continues to : Send fraud alert emails Place fraud warnings on my file without my request Claim potential fraud without evidence Close complaints without resolving the accuracy disputes This conduct is improper, misleading, and unlawful. Labeling a dispute as potential fraud does not suspend Experians obligations under the FCRA and does not extend the statutory reinvestigation deadline. 

Experian has repeatedly stated that there may be potential fraud involved. 
If Experian believes I am a victim of fraud, then I formally demand : Written identification of which accounts Experian believes are fraudulent The specific evidence supporting that conclusion Documentation showing how and when this fraud was identified An explanation of why fraud alerts were placed without my authorization If Experian can not provide this information, then it must immediately cease labeling my disputes as fraud-related and comply with the FCRA. 

Experians conduct violates : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) Reporting information without the ability to verify FCRA 602 Improper use of automated systems ( e-OSCAR ) in place of actual investigation It has now been well over six months since my initial disputes. Fraud alerts, stall letters, and mailing copies of my own credit report do not satisfy Experians legal obligations and do not toll the statutory deadline.

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 2025-12-28 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: CA

Complaint narrative:
I am writing to file a dispute regarding the following accounts. These accounts are inaccurately reported on my credit report, and I request that they be corrected or removed as outlined below. This filing is in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I've complained till I'm Blue on the face nothing from Citi bank Tortured my soul ; I Asked for zero % interest for life of card No response

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 2025-12-28 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain entries on my credit report, dated XX/XX/year>. Below are the accounts that I believe contain inaccuracies. I request an investigation under the Fair Credit Reporting Act ( FCRA ). 
1. Account : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> The status of this account is reported incorrectly as negative. Please review and correct this entry or remove it.

2. Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to dispute inaccuracies and incomplete information reported on my credit report. Below are the details of the accounts in dispute, separated by bureau. I respectfully request that the necessary actions be taken to resolve these issues under the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my XXXX  credit report and discovered a collection account from Credence Resource Management ( Account # XXXX ) for a debt of {$79.00} originally owed to XXXX XXXX. 

I never received the mandatory initial " dunning notice '' required by the FDCPA ( 15 U.S.C. 1692g ) prior to this derogatory reporting. The agency failed to notify me of the debt or my rights within five days of their initial activity On XX/XX/year>, I sent a formal Debt Validation Letter via Certified Mail to Credence Resource Management disputing the debt and demanding proof of their authority to collect. 

On XX/XX/year>, I also prepared a formal dispute letter to XXXX  ( pursuant to FCRA Section 611 ), notifying them that the collection agency failed to follow federal notification requirements and demanding the removal of this unverified item. 

Despite these formal disputes initiated on XX/XX/year>, the collection agency has failed to provide the required validation or proof of initial notification, yet the derogatory item remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: OK

Complaint narrative:
I have been trying to upload this identify theft report to the Experian, Transunion and Equifax and they never do anything with it. Every time I try uploading it, I keep getting a error. Please send the FTC report to Experian, Equifax and Transunion asap.

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 2025-12-28 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: OK

Complaint narrative:
I have been trying to upload this identify theft report to the Experian, Transunion and Equifax and they never do anything with it. Every time I try uploading it, I keep getting a error. Please send the FTC report to Experian, Equifax and Transunion asap.

Company response to consumer: Closed with explanation