vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: TN

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.As a consumer with rights under the FCRA and FDCPA, I demand the immediate removal of all fraudulent, inaccurate, and unauthorized accounts from my credit report. Under 15 U.S. Code 1681i and 1681s-2 ( b ), you are legally obligated to reinvestigate and correct inaccurate information. If these accounts are not removed promptly, I will take legal action to protect my rights and seek all available remedies.

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 2025-12-29 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: Sunbit, Inc.
State: CA

Complaint narrative:
I am disputing the XXXX account on my XXXX  credit report. This account is fraudulent and completely inaccurate. I have never opened, authorized, or signed for this account. Continuing to report this false information is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX is hereby put on notice : I demand immediate removal of this account unless full, verifiable documentation proving that I authorized this account is provided within the legally required timeframe. 

Failure to comply constitutes willful noncompliance with federal law, and I am prepared to pursue all available legal remedies, including but not limited to regulatory enforcement, civil damages, and reporting to law enforcement. 

Any attempt to continue reporting this account without proper validation will be considered malicious and legally actionable. This matter is being filed with the Consumer Financial Protection Bureau ( CFPB ), and I expect a full response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Consolidation Capital
State: FL

Complaint narrative:
The enclosed company reporting two tradelines on my three credit bureaus XXXX XXXX XXXX ( 1 ) {$2.00}, XXXX {$1900.00} ( 2 ) {$2000.00} $ {$1900.00} I never applied loan with this company fraud, address Consolidation Capital XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX fraud Alert!!!!

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: OK

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized collection account from ZIONS DEBT HOLDINGS on my XXXX credit report ( Account # XXXX ). I have never received any written correspondence, validation notice, or phone call from this company regarding this alleged debt of {$370.00}. 

The report lists the original creditor as " XXXX '' and the loan type as " FACTORING COMPANY ACCOUNT, '' which I do not recognize. I have maintained an XXXX credit score for over a decade and have no outstanding unpaid obligations. This company failed to provide me with a XXXX validation period before reporting this to the credit bureaus, which is a violation of the FDCPA. 

I have already initiated a dispute with XXXX. I am filing this complaint because the company is reporting unverified and unknown information that is damaging my credit profile. I demand that the company provide full validation of this debt, including the original signed contract and itemized statement of charges, or immediately delete the entry from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have inquiries And Names That are Currently not my name nor did I authorize any inquiries on my credit

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding Citibanks immediate restriction and planned closure of my business checking account without prior notice, resulting in frozen funds and significant disruption to my ongoing business operations. 

On XX/XX/year>, I deposited a check in the amount of {$960000.00}, representing legitimate proceeds from the sale of a commercial building. The check was issued payable to my business, the account holder. The transaction was handled by my real estate closing attorney, and I provided Citibank with the name and phone number of the attorney who conducted the closing and issued the check. 

Despite the legitimacy of the transaction and my cooperation, Citibank froze my account without prior warning and subsequently sent a notice stating the account will be closed within 60 days. As of today, I am unable to access or withdraw my funds, and my current account balance of {$970000.00} remains frozen. 

This action has caused immediate harm to my business, which is still actively operating. I have ongoing business obligations and expenses, and Citibanks actions have interfered with my ability to conduct lawful business activities.

I am not disputing Citibanks right to close the account. However, I am requesting : Immediate release of all funds in the amount of {$970000.00} The ability to withdraw the balance promptly Written confirmation of account closure once funds are released Citibank has not provided any specific explanation for the restriction, despite the transaction being a standard, documented real estate sale. Freezing a businesss operating funds without notice or timely resolution is unreasonable and unfair. 

I respectfully request the CFPBs assistance in ensuring Citibank releases my funds without further delay and resolves this matter promptly.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times over the months with it just updating as verified with no verification given. This is not my account. The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: LA

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 the38668re 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 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 2025-12-29 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: LA

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 the38668re 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have XXXX different companies trying to collect the same debt. Now Resurgent Capital Services/LVNV has sent papers that look legal for court motion to default. This debt is over XXXX XXXX XXXX and non collectible. I have not seen anything requesting payment on this debt in over XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
They are decreasing the credit score crazy amd my using of credit 21 % have no collections no over use no bad history and when I called them the three companies try to pushe to work with financial advisors and also advice me with some names and companies. 
That's not fair that no one monitoring there action. 
I got notice that alot of hard inquiries had been removed same day my credit score decreased XXXX point few weeks, for three months I stopped using any credit and paid off most of my accounts, paying more than the minimum amount just increased XXXX points then decreased XXXX point then XXXX points then XXXX points that not fair and fraud.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : FCRA Dispute Request for Investigation of Inaccurate Information To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. The entries listed below are incorrect and can not be verified : XXXXXXXX XXXX  Alleged late payment, XX/XX/XXXX and XXXX from XX/XX/XXXX XXXXXXXX XXXX  failed to complete Method of Verification stated code XXXX. 
XXXXXXXX XXXX Alleged late payment, XX/XX/XXXX Both creditors have confirmed in writing that these accounts are paid as agreed and that the alleged late payments are incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ), you are required to conduct a reasonable investigation and delete any information that can not be verified.

Action Requested : Investigate and remove the inaccurate entries listed above.

Provide written confirmation that the entries have been permanently deleted.

Ensure that my credit report reflects accurate and verifiable information.

Please note that if these inaccuracies are not corrected promptly, I may pursue all legal remedies available under the FCRA, including statutory damages, actual damages, and attorneys fees.

Enclosed are copies of supporting documents from the creditors verifying that these entries are incorrect. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-29 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: FL

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

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

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

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9700.00} Inquiries : 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 XXXXXX/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 2025-12-29 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: FL

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

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

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

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9700.00} Inquiries : 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 XXXXXX/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 2025-12-29 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-29 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:
I am writing to dispute the following information listed on my credit report. The accounts below contain incorrect or incomplete data, and I request a detailed investigation and correction in compliance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account Information : 1. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : This account is reported inaccurately, affecting my credit status. The reported balance, status, or payment history is incomplete or incorrect.

2. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : The charge-off or delinquency status of this account is reported incorrectly, causing an inaccurate credit score. I request an investigation into these discrepancies. 
Possible FCRA Violations : Inaccurate Reporting : The account details do not comply with the FCRA 's accuracy requirements.

Data Breach : I suspect a data breach that may have caused incorrect reporting, which violates FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

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 XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : [ No inquiries listed ] Positive Accounts : [ No positive accounts listed ] Late Payments : 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