vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-01 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: NC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX - {$1300.00} XXXX XXXX XXXX  XXXX - {$5400.00} XXXX  - XXXX - {$1700.00} XXXX XXXX  - XXXX - {$1300.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXX XXXX {$580.00} XXXX - XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
All three credit bureaus are reporting seriously inaccurate information and ignoring my disputes. I've been trying to fix these errors for months but they keep sending form letters without actually investigating. 

They can't even get my name right. TransUnion shows " XXXX XXXX '' ( misspelled ) and Equifax shows " XXXX XXXX XXXX '' and " XXXX XXXX '' which aren't my names. My legal name is " XXXX XXXX '' and these errors are creating confusion in my credit file. 

XXXX XXXX is reporting the same {$790.00} debt XXXX different ways across the bureaus. TransUnion and Experian show " XXXX XXXX '' but Equifax shows just " PORTFOLIO '' with a different account number. This makes it look like I owe the same money multiple times, which is hurting my debt-to-income ratio. 

When I disputed these, they said " dispute resolved ; customer disagrees '' but didn't fix anything. They just asked XXXX if the information was correct instead of actually investigating. 

I have a XXXX credit card showing me as " Authorized User '' but they're reporting it as a chargeoff against my credit. I was never the primary account holder and authorized users aren't supposed to be responsible for debt according to federal law. 

There's a XXXX account showing " Late XXXX Days '' even though it's paid with XXXX balance. How can a paid account show late payments? 

I have a XXXX XXXX loan that shows different information on each bureau and may be too old to legally report. 

These errors are hurting my credit scores and preventing me from getting approved for credit I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
A couple of weeks ago I became aware that Citi had closed my credit card account ending in XXXX. When I called them at the time they said they could not give me any details as to why and that I would receive a letter in the mail ( see the XX/XX/XXXX pdf attachment ). The notice states it was done due to late payments in the past XXXX  months. I have also attached the download of transactions on that account for XXXX XXXX and all of XXXX and as you will see there are XXXX lates. 

Just today I noticed that the other XXXX Citi credit cards have also been closed. I have not received any notification from Citi on either of these closures. I also attached the download of transactions on both these accounts for XXXX XXXX and all of XXXX. On the account ending in XXXX again there are ZERO lates in either XXXX or XXXX. There are XXXX late fees on the account ending in XXXX in XXXX and XXXX in XX/XX/XXXX which was when the account first got set up I am currently going through a volatile divorce. My ex-husband until just recently was a senior XXXX with Citi. I believe he had XXXX of his people do this.

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 2025-08-02 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I asked CAINE & WEINER for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them, Nor with progressive who it says is the original creditor. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint and XXXX XXXX raised more questions as to sale of property for XXXX XXXX over debt. 


Shellpoint has my number, XXXX, and account number blocked when I call to ask question and request documents. 

All marketing material All notices/letters sent to the property including any offers to purchase to occupant ( s ). 
Was the XXXX on the Title Sale policy to foreclose on as a party of interest or only XXXX? 
Why after foreclosure Shellpoint offered to assist with assigning real estate agent, marketing to highest bidder and a few other options video received after the sale date. 
What date/day did owners policy lapse? 
XXXX law stated the request are non public documents - I am not the public

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AP

Complaint narrative:
I am submitting this complaint regarding an unresolved and unverifiable account being reported on my credit file by MACYS/CITIBANK NA XXXX The account number ending in * XXXX was charged off in 2019 for {$390.00} and has continued to report negatively for over XXXX years. 
I had no recollection that this account remained active or unresolved, as I distinctly remember paying it in full around XXXX or XXXX of XXXX  during my XXXX in support of XXXX XXXX XXXX. Upon recently discovering it on my credit report, I attempted to take full responsibility by contacting Citibank directly. Their automated system prompted me to enter my Social Security Number, but after doing so, I received a message stating Invalid response. No account found. I was then connected to a representative, who further confirmed that no account exists under my SSN in their system. 
Despite this, the account is still being reported to XXXX  as a monthly charge-off, severely damaging my credit profile. Whats worse is that I have no way to pay, resolve, or even validate this account, as the alleged creditor claims I do not exist in their database. 
I submitted a formal dispute to XXXX  ( Confirmation # XXXX ), explaining the above facts. They responded that the account was verified as accurate, but provided no proof of verification, no copy of an application, no statements, and no acknowledgment of my direct communication with the original creditor. 
I am currently an active-duty military member stationed overseas, and I hold myself accountable to a high standard of financial responsibility. What I find despicable and unjust is being punished monthly for a debt that no one can explain or prove, and for which I am given no avenue for resolution.

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 2025-08-02 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: NC

Complaint narrative:
Upon receiving mail and checking my information I have discovered that I am the victim of identity theft due to massive data breaches. 

I am attaching a copy of my identity as well as a copy of my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I had wondered why I could never qualify for home purchase from XXXX on. I came to find out recently that XXXX XXXX still had my unconsolidated loans listed on my credit report. My loans were sent to XXXX around XXXX and consolidated. It shows double on my credit report due to their refusal. I was told that filing bankrupsy would fix this error -- it did not. They really need sued and I should be compensated. It has literally uprooted my life. 

I sent them certified letter over a month ago. They claim to have recieved it but are pretending as if I did not send all the information and all three copies of my credit reports showing that all three show they are reporting these loan balances that do not exist. 

Is there anyway to file legally against them? How can I ever get this corrected?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I had wondered why I could never qualify for home purchase from XXXX on. I came to find out recently that XXXX XXXX still had my unconsolidated loans listed on my credit report. My loans were sent to XXXX around XXXX and consolidated. It shows double on my credit report due to their refusal. I was told that filing bankrupsy would fix this error -- it did not. They really need sued and I should be compensated. It has literally uprooted my life. 

I sent them certified letter over a month ago. They claim to have recieved it but are pretending as if I did not send all the information and all three copies of my credit reports showing that all three show they are reporting these loan balances that do not exist. 

Is there anyway to file legally against them? How can I ever get this corrected?

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 2025-08-02 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: PA

Complaint narrative:
I had wondered why I could never qualify for home purchase from XXXX on. I came to find out recently that XXXX XXXX still had my unconsolidated loans listed on my credit report. My loans were sent to XXXX around XXXX and consolidated. It shows double on my credit report due to their refusal. I was told that filing bankrupsy would fix this error -- it did not. They really need sued and I should be compensated. It has literally uprooted my life. 

I sent them certified letter over a month ago. They claim to have recieved it but are pretending as if I did not send all the information and all three copies of my credit reports showing that all three show they are reporting these loan balances that do not exist. 

Is there anyway to file legally against them? How can I ever get this corrected?

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was lied to by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX there told me that they would be able to get me a job in pharmacy even though I was currently on probation for a dui. I was very upfront with situation before signing the loan. I was advised by professor as well. I signed, attended, graduated. School closed soon after I graduated and I was not able to get employment in my field. My credit is now damaged due to this issue. They mislead me and allowed me to receive a grant on top of loan. I cant pay or afford to pay loan. I need help getting this loan deferred or wiped off my hands. They forced me to sign. They lied to me knowing that someone with a criminal background would never get employed in pharmacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with FNB OF OMAHA or any of the affiliates. I have confirmed and advised FNB OF OMAHA that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how FNB OF OMAHA approved a credit under my name, without doing any further review and confirmation. Given the fact that FNB OF OMAHA has the right to investigate and obtain all necessary information prior to approving any credits, FNB OF OMAHA has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, FNB OF OMAHA must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that FNB OF OMAHA must comply with prior to approving any credit card/lines to anyone. Pursuant to FNB OF OMAHA 's online advertisement, FNB OF OMAHA encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from FNB OF OMAHA stating that my information was used or attempted to be used in order to open an account. Thus, FNB OF OMAHA has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, FNB OF OMAHA violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for FNB OF OMAHA to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 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 explanation