vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I was a customer of XXXXXXXX XXXX XXXX  for 5 years. During XXXX 2023, the bank 's app was having technical issues during my payment due dates and I was unable to make payment due to the bank app. While the bank corrected late fees, it refused to correct those payments as paid, and instead continues to report as paid late and delinquent. 
I have previously tried resolving this issue with the XXXX XXXX XXXX XXXXXXXX XXXX, as well as the Credit Bureaus. XXXX of the XXXX credit bureaus ( TransUnion and Equifax ) have not furnished proof as to why those accounts continue to show delinquent.

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 2025-09-22 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: NC

Complaint narrative:
All of my citibank credit cards have been locked. They said it has something to do with the fact that I applied for the XXXX XXXX card as many others were affected as well. I had been using the XXXX XXXX card for maybe a week when this happened. They couldn't tell me why this is happening but that I needed to fill out an IRS form for income verification. I sent this in and spoke with a supervisor who said she saw it and forwarded it on XX/XX/year> or XXXX ( can't recall ). This has affected all of my credit cards ( my joint card with my wife and kids ' cards as well ) with them and I am beyond angry. They have had no reason to do this as I've had cards with them for many years ( XXXX of my cards is over XXXX XXXX XXXX ), we make enough money, pay our bills on time, in full, every month, and don't recall ever missing a due date. This has been embarrassing and very inconvenient, having needed friends to pay for my dinner, etc.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing the way BANK OF AMERICA is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, BANK OF AMERICA, with account # XXXXXXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-09-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, 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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, I paid a {$50.00} deposit for a tattoo appointment. The total price was originally supposed to be {$150.00}, but the XXXX suddenly increased it to {$200.00}, then again to {$230.00}. During the appointment on XX/XX/XXXX, he forcibly took my phone and sent himself {$230.00} through PayPal without my permission. I did receive a refund for the deposit, but not for the tattoo payment. I have provided proof of these transactions. 

The tattoo was not done correctly. He added shading I specifically told him not to include, and the overall work was not what I paid for. 

In addition to the financial issue, the XXXX was extremely unprofessional and inappropriate. He was rude, touched me inappropriately, and attempted to put his hand in my pants while working on the tattoo. I only stayed because he had already started the tattoo, and he became angry with me during the session. I believe this is why he did not complete the tattoo as agreed and why he demanded more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, Our 2nd mortgage was bought be a predatory lender 3 years, ago - They threatened foreclosure. We were able to get a modification from them in their best interest, not ours.

It was then sold to another servicer - that promised extension or remodification closer to the maturity date. Suprised to find out that a new servicer was hired for our loan several months ago and any communication on modification was forgotten. I tried several times to obtain extension or modification information form Select Portfolio Servicing. I filled out a XXXX and have sent vague denial and non informational letters. I have a recent letter stating I am out of compliance with the loan and past due- but deny me a modification because I have never been late. 

I was told that i must speak to an Ombudsman. I called and left 2 messages with no response as of yet. 

I need to have an extention or reasonable discussion of a work-out plan at least. I can not secure a HELOC yet and I am fixing credit and making EVERY effort to solve this. There is no communication from the loan holder or Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have tried to make payments on my student loan around 4 times with aidvantage. It will say it's gone through, but then suddenly cancel and not take the money despite me having it. On top of this, it takes nearly a week for the payment to process just for it to be rescinded, so now, It says that soon my " delinquency '' will be reported and it will effect my credit, despite me trying to pay on multiple occasions. 

I tried calling Aidvantage 3 times to which I was only answered by an automated voice messaging machine, placed on hold, immediately taken to an end of call survey, then hung up on. I called the Federal Student Aid directly to which I was informed that Aidvantage had no outages and should be available. When put through to them, the automated voice stated the account my date of birth and social was under, wasn't registered to my phone number and under a phone number I have never heard of or seen before, and after adding my number, I was put on hold again, given a survey, and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$470.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, 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 2025-09-22 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: CA

Complaint narrative:
On XX/XX/year>, I sent certified dispute letters to Experian, Equifax, and TransUnion requesting that they : Correct my identifying information, and Delete all negative items that can not be verified as accurate under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

The disputes specifically challenged : The continued reporting of multiple incorrect names, prior addresses, and phone numbers. 

XXXX negative credit accountsincluding collections and charge-offsthat are not verifiable to my valid identifiers. 

Each bureau received my letters ( proof of delivery on file ). 
Since then, they have failed to delete the disputed personal identifiers and negative accounts or provide the complete list of data furnishers required by FCRA 609 ( a ) ( 1 ). 

In addition, Experian sent an email on XX/XX/year> addressed to a name I have expressly disputed, claiming my mailed dispute was not sent directly by me and redirecting me to an online portal. 
This misaddressed communication violates FCRA 611 ( a ) ( 1 ) ( A ) ( a certified mailed dispute is direct notice ) and demonstrates a failure to ensure maximum possible accuracy as required by FCRA 607 ( b ). 

I have supplied copies of my certified dispute letters, Experians email, and excerpts of my credit reports showing the disputed accounts and incorrect identifiers. 

I request that the CFPB require all three bureaus to : Permanently delete all non-matching names, addresses, and phone numbers. 

Remove all negative accounts that can not be fully verified to my valid identifiers. 

Provide a complete current list of all data furnishers as required by FCRA 609 ( a ) ( 1 ). 

Confirm all corrections and deletions in writing.

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 2025-09-22 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:
Hi, I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report.

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX  XXXX | Account Number : XXXXXXXX XXXX XXXX XXXX XXXX | Account Number : XXXXXXXX XXXX XXXXXXXX | Account Number : XXXXXXXX XXXX XXXX XXXX | Account Number : XXXXXXXX XXXX XXXX XXXX XXXX | Account Number : XXXX please remove the following addresses from credit report 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 please remove the following inaccurate names from credit report 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 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a dispute of fraudulent accounts listed under my credit profile. These accounts were never opened, authorized, or connected to me in any way. They represent false and damaging information that is harmful to my credibility and financial stability.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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