vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: CT

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 prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name XXXXL Account number XXXX Account type XXXX XXXX  Date opened XX/XX/XXXX Balance {$240000.00} Balance updated XX/XX/XXXX Monthly payment {$1900.00} Original balance {$260000.00} Account is showing several late payments that were never late, please delete all delinquent information on this 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 2025-11-12 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: CT

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 prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name XXXX Account number XXXX Account type FHA Mortgage Date opened XX/XX/XXXX Balance {$240000.00} Balance updated XX/XX/XXXX Monthly payment {$1900.00} Original balance {$260000.00} Account is showing several late payments that were never late, please delete all delinquent information on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CT

Complaint narrative:
I am filing a complaint against IQ Data XXXX for repeated harassment and unprofessional conduct regarding a rent balance I was never notified about. Their representatives have called my phone multiple times a day and have been extremely rude when I attempted to ask for clarification. During these calls, agents made dismissive and undermining comments about my financial situation, which is unacceptableespecially in the current economy where many people are living paycheck to paycheck. 

I was never provided with any written notice of this alleged debt, nor have they supplied any verification despite my requests. Their behavior has caused unnecessary stress, and I believe they are violating fair debt collection practices through harassment and failure to provide proper documentation. I am requesting that the CFPB investigate their conduct, require verification of the alleged debt, and address their inappropriate communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. 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 proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NY

Complaint narrative:
I received a text message that stated my address was changed on my account and a new card will be sent out. I called customer service where they stated i had to send in my identifications in order to recover my account. I have sent in my State ID, Birth Certificate, and Social Security card. I have not received a email or a phone call back, this issue has been going on for a month now and there have been no resolution. i called back customer service and they said they can't help me until the fraud department get back to me, but they haven't gotten back to me after they told me it would only take 104 hours. please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
XX/XX/XXXX - One Main loan approved for debt consolidation, bulk of loan distributed but one creditor was not paid off as agreed in the loan terms. XXXXXXXX XXXX is still owed a debt that should have been paid out of the loan from One Main. 
XX/XX/XXXX - called and spoke to a representative who told me XXXXXXXX XXXX would be paid off via check and that the check is in the mail XX/XX/XXXX- XXXXXXXX XXXX  is still not paid off, consumer is now accruing interest on both loans. Consumer calls and requests the funds be deposited immediately, told this is not possible as the One Main loan amount is being reduced instead against the consumers knowledge or wishes. 
XX/XX/XXXX - consumer requests adjusted payoff from One Main sans the amount that was owed to XXXXXXXX XXXX. Payoff is not available. Interest continues to accrue on both loans, XXXXXXXX XXXX  and One Main. 

I took out a debt consolidation loan with OneMain Financial in XX/XX/XXXX. They were supposed to use the loan proceeds to pay off my creditors directly. It has now been over a month, and they still have not paid one of the creditors. 

I have contacted OneMain multiple times and have been met with condescending, dismissive responses instead of actual help. They keep telling me they need more time to resolve the issue and now claim theyll need another three business days to fix their own mistake. 

During this delay, they have been collecting interest on the full loan amount while failing to perform the service they were contractually obligated to complete. My online account also shows the wrong loan balance, even after I requested an updated payoff amount. 

Because of their inaction, Ive had to apply for a new consolidation loan with another lender ( XXXX XXXX ) so I can pay off my creditors myself. OneMains behavior has jeopardized my credit and caused significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
XXXX is reporting incorrect information for the last 9 months to all credit Bureaus. I called XXXX XXXX and they insisted that they are not reporting a 90 day late for XX/XX/XXXX or and XX/XX/XXXX. 
XXXX Claimed that it is XXXX XXXX Transunion that keeps making that error. XXXX gave me a letter I sent it to all Bureaus stating that I am not late. 
Once Experian received the document my filed was immediately updated. Three days later it came back o my file. I called and spoke to a supervisor at Experian her name is XXXX ( Case number XXXX ). She works for Experian and said it would be updated and for me to file this report. XXXX also said she would call me back and she would call XXXX XXXX. I never received a call back. 

This is ruining my life and I got denied for loans. I want my file update immediately! I also want restitution for all the monies lost because of this. 

There is proof that I am not late and I want my filed updated immediately. 

Here is the list of the incompetent people at Experian 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 2025-11-12 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:
I am writing to formally dispute the following items on my credit report with the respective credit bureaus, as they contain inaccuracies that I believe need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details for each bureau where these discrepancies have been noted : Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year> Positive Accounts : No positive accounts are being disputed at this time. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2025, my phone number was suddenly and without notice restricted from using XXXX through my Chase Bank account. I immediately contacted XXXX Support, who confirmed that Chase is an owner of XXXX and has complete authority and access over customer restrictions. XXXX specifically stated that this restriction was placed by Chase and that it is indefinite. 
When I contacted Chase, I was told the restriction was placed by an automated system and that representatives could not tell me why it happened, what triggered it, or how to resolve it. I was told there is absolutely nothing they can do an unacceptable response, especially when XXXX maintains that Chase has full control and responsibility. 
This situation has left me trapped in a loop between Chase and XXXX, with each pointing the finger at the other while refusing to provide transparency or a solution. I have received no explanation, no written notice, and no path to appeal or correct the restriction. This has effectively blocked me from using a core banking service I rely on, without justification or recourse. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Chase to provide a clear explanation for the restriction, a defined resolution process, and assurance that consumers will not be subject to indefinite, automated restrictions without cause or notice. 
This issue highlights a serious lack of accountability and transparency between Chase and XXXX, both of whom are responsible for ensuring fair and accessible financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:\n\n1XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I was staying in XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX thru XX/XX/XXXX. Submitted my 30 day notice on XX/XX/XXXX. 

On XX/XX/XXXX, I notified the manager of XXXXXXXX XXXX in the apartment. at first I tried to clean it with XXXX, but it didn't come off. It was on the sliding door, on the cooler, on the door, specially my bedframes, TV entertainment center, traveling suitcase, shoes, some of my clothes. My daughter and I were suffering in several occasions difficulty XXXX. 
There are some tenants that are only speaking XXXX and I have seen the XXXX XXXX there in several occasions. Due to the symptoms my daughter, son and I had, I'm guessing the tenants XXXX problems may be related to XXXX XXXX. 
You can see XXXX XXXX  outside the XXXX XXXX XXXXXXXX where I was staying at with my kids. 

The apartment doesn't have proper Ventilation, the rooms don't have fans, or light, bathroom don't have windows for proper ventilation. 

XXXX XXXX is charging me {$4600.00} for XXXX XXXX. ( XXXX ) They submitted my bill thru a colleciton agency called : I.Q. DATA INTERNATIONAL INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank , N.A . and Citibank Texas are reporting unauthorized inquiries and account information to XXXX  under my identity. I never opened or authorized any accounts with Citibank, and XXXX confirmed the verification was performed using XXXX XXXX XXXX, which only matches identity similarity not proof of authorization or consent. 

Under FCRA Sections 609 ( e ) and 623, this does not meet the legal requirement of proper account verification or consumer authorization. I have requested that Citibank produce original signed account documents or request deletion from XXXX, but no such proof has been provided. 

This inaccurate reporting is preventing me from opening new bank accounts and has caused ongoing hardship. I am requesting the CFPB to compel Citibank and XXXX to delete the Citibank entries immediately or provide copies of the original signed account documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law 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