vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: CITIBANK, N.A.
State: WA

Complaint narrative:
My Citi Bank credit card had fraudulent transactions in XX/XX/year> I became aware of the transaction in XX/XX/year> when I checked XXXX XXXX  and seen i had a late payment with Citi Bank. That is when my nightmare started. I had 2 Citi Bank credit cards accounts that were fraudulent transactions on XXXX ACCOUNTS. After numerous calls and many hours on calls all transactions were cleared up. Now they are still reporting 2 late payments for XXXX, XX/XX/year> which is impacting my credit score.

I called 2 weeks ago and still nothing. Please help me. 
Thank you, 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 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
XX/XX/XXXX- we received escrow account disclosure statement from Huntington Bank ( the mortgage company ) stating our payment would go down from {$2000.00} to {$1600.00}. I called the company to get an understanding as to why the decrease. I was told because the company calculated our escrow by actual numbers and not simply estimates. 

XX/XX/XXXX - our new payment of & {$1600.00} commenced. 

XX/XX/XXXX- we received an escrow account disclosure statement from Huntington Bank stating our monthly payment would increase to {$2300.00} beginning XX/XX/XXXX. I called to get an understanding of the nearly 40 % increase and was told it miscalculated our property tax by thousands of dollars- it calculated we would only pay {$41.00} annually for our property taxes, when in reality the taxes are nearly {$6000.00} annually. The increased calculation was for the updated escrow amount plus the shortage, which was to be paid back over the course of 12 months. After further discussion, they agreed the shortage amount being paid over the course of 60 months. I received verbal confirmation our new monthly payment would be {$1800.00}. On XX/XX/XXXX a new escrow disclosure statement was generated confirming the new monthly payment of {$1800.00} to begin on XX/XX/XXXX XX/XX/XXXX - received statement from Huntington Bank stating our monthly payment of {$1800.00} would begin on XX/XX/XXXX XX/XX/XXXX - escrow account disclosure statement from Huntington Bank was generated and we received a few days later. It was now stating our monthly payment would increase from {$1800.00} to {$3000.00} scheduled to begin XX/XX/XXXX Huntington Bank has continued to miscalculate our escrow amount. The company is demonstrated recklessness in handling our property tax payments along with generating a reasonable increase to the monthly payment. It is entirely unreasonable to expect a middle class American family to suddenly increase a house payment by 85 % ( {$1400.00} ) due to its own obvious error on tax estimates along with continuous confusion on the monthly payment to begin on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Equifax illegally reinserted a fraudulent XXXXXXXX account on my credit report after it was already deleted. I had submitted a notarized identity theft affidavit and FTC report, and Equifax removed the account. However, they later reinserted it without giving the required written notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) and accepted verification from XXXX had already sold the debt to XXXX XXXX. Now, both XXXX and XXXX are reporting the same debt, which is illegal double reporting. Equifaxs failure to properly investigate this reinsertion caused my credit score to drop XXXX points while I am in the middle of buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-27 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
THEY ARE TRYING TO COLLECT A DEPT FROM ANOTHER COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/year>, I got a Text msg from Best buy saying " did you attempt {$1500.00} at Best Buy XXXX ''. I immediately I called best buy and turned out in-person with fake ID ( under my name information ) were able to open a new best buy card account and made a purchase. best buy assured the charge will not be count against me.

Also the location of best buy within 10 miles of my area. Also, I got another notification on XX/XX/year> via my credit score saying another account was open.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is unlawfully reporting a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ) that was formally ordered DISMISSED on XX/XX/XXXX by the XXXX Bankruptcy XXXX of New Jersey XXXX Despite providing TransUnion certified documentation of the dismissal ( not discharge ), they responded on XX/XX/XXXX stating the item was verified as accurate without providing ANY Method of Verification, in violation of federal law. 

This violates multiple sections of the FCRA, XXXX XXXX format, and UDAAP standards, including : FCRA 611 ( a ) ( 7 ) No Method of Verification was disclosed despite direct request.

FCRA 611 ( b ) ( 1 ) ( B ) TransUnion failed to issue the mandatory 5-day reinsertion notice when the item was reinserted.

FCRA 607 ( b ) They failed to ensure maximum possible accuracy of the public record.

FCRA 611 ( d ) No notification sent to prior credit report recipients about reinvestigation results.

15 USC 1681s-2 ( b ) The data furnisher failed to conduct a lawful reinvestigation. 
XXXX XXXX Format 6.2, 7.1, 9.3 Mishandling of dismissed public records and lack of court-verified source.

FTC Act Section 5 Unfair and deceptive omission of dispute outcome and MOV.

CFPB UDAAP Violations Abusive data handling, AI-led verification decisions without transparency.

Further, I formally requested disclosure of : - The name, date, and method used by any verifying party - Proof the data was obtained from the actual court ( not XXXX or XXXX, which are not acceptable under FCRA ) - The internal dispute handling logic and any AI or automated system used in the decision-making process * * They provided none of the above. * * This dispute was fully documented, mailed via certified mail, and included : A copy of the signed Bankruptcy Dismissal Order from the court A Tier 12 Legal Demand citing sovereign FCRA violations A summary of reinsertion law violations with citations and evidence TransUnion is knowingly harming my creditworthiness by reporting a legally void public record, failing to verify its accuracy, and ignoring federal and XXXX XXXX compliance. I demand : 1. Full deletion of the dismissed bankruptcy record 2. Disclosure of the MOV and reinvestigation audit 3. Enforcement under FCRA, CFPB UDAAP, FTC deception rules, and XXXX XXXX formatting law I am also invoking sovereign arbitration rights under Title 15, U.S. Constitution Fourteenth Amendment due process ( data integrity harm ), and demanding this case be referred to enforcement agents if not resolved immediately. I reserve the right to escalate to XXXX arbitration or federal court under consumer protection law and civil rights data integrity precedent.

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 2025-07-27 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Kikoff Lending , LLC, adding to issues in my existing complaints ( e.g., CFPB ID XXXX ). On XX/XX/XXXX ( today ), my XXXX credit report via XXXX XXXX revealed that Kikoff Lending , LLC has furnished information resulting in the manipulation of the payment history for my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Timeline of Egregious Behavior : Prior Status : Account payment history showed specific statuses ( e.g., XXXX XXXX, XXXX XXXX Off ) [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX ( Today ) : The payment history was altered to introduce 'Unknown ' periods ( e.g., XXXX XXXX, XXXX XXXX ) and change statuses ( e.g., XX/XX/XXXX from '30 Days Late ' to 'Current ', XX/XX/XXXX from '60 Days Late ' to '30 Days Late ' ). Crucially, the XX/XX/XXXX 'Charged Off ' status was removed from its historical position [ cite : XXXXXXXX XXXX XXXX XXXX 

As the furnisher, Kikoff Lending , LLC has a duty under FCRA 1681s-2 to furnish accurate information and to correct errors promptly. This action is a clear attempt to manipulate historical payment data and obscure the true account history, violating FCRA requirements for accuracy and completeness. This demonstrates a severe and willful disregard for accuracy and my consumer rights, causing immediate, measurable harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by TransUnion, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

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 2025-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. Two XXXX XXXX XXXX  accounts are being reported as Account information disputed by consumer even though I have never disputed these accounts. 

As a result, I am unable to file a correction via the Equifax online portal because their system blocks new disputes when an account is already marked disputed. This inaccurate status may negatively affect my credit profile and violates FCRA 1681i, which states credit bureaus may only mark accounts as disputed if a dispute was actually filed by the consumer.

This false reporting is misleading, materially inaccurate, and prevents me from correcting my own credit file. It is also potentially a result of erroneous flagging by either Equifax or XXXX ( XXXX  ). Either way, I have had no success having it removed through traditional channels.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am reporting a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax. Two XXXX XXXX XXXX  accounts are being reported as Account information disputed by consumer even though I have never disputed these accounts. 

As a result, I am unable to file a correction via the Equifax online portal because their system blocks new disputes when an account is already marked disputed. This inaccurate status may negatively affect my credit profile and violates FCRA 1681i, which states credit bureaus may only mark accounts as disputed if a dispute was actually filed by the consumer.

This false reporting is misleading, materially inaccurate, and prevents me from correcting my own credit file. It is also potentially a result of erroneous flagging by either Equifax or XXXX ( XXXX  ). Either way, I have had no success having it removed through traditional channels.

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