vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a call from Citibank XXXX an auto message ( approx XXXX days ago ) asking me to call to confirm activity. I called immediately and it was confirmed that the activity was mine and no fraud occurred. After I called. My online banking didnt work ( it worked up until then ). I was able to use my debit card, however. I gave it a day or so for the online banking to resume but it never did. I called Citi on XXXX and recounted the situation ( eg, no fraud, etc ) and asked them to enable online banking. They said they could not and that a representative would call me. I asked when they would call and was told thats a very good question. I called again XXXX days later, spoke to a different associate who told me the same thing : that someone would call me. She said she will escalate my case. Its XXXX days later and nobody from Citibank has reached out to me to resolve the situation. This is OUTRAGEOUS BECAUSE THERE WAS NO FRAUD. My online banking REMAINS LOCKED. I can not check my balance, use XXXX, or any other functions associated with my debit card or online banking services.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
This letter is being submitted to dispute a reported late payment that does not align with my actual payment history. I have consistently paid my accounts on time, and this negative mark is both unexpected and concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: ID

Complaint narrative:
For XXXX months XXXX has deposited {$960.00} in my account and Everytime I go to cashapp XXXX they tell me it's not there and Everytime I check with the treasurer they have said my check was sent out the XXXX XXXX I haven't been getting my money until the XXXX when I'm supposed to receive it the XXXX of every month I'm late on my bills and might face homelessness because my rent has been late for XXXX  months now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
perse U.S.C code1681c-2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the court emphasizing that credit report agencies have to investigate disputes promply and with due dilligence.Iam requesting you investigate the matter and correct and remove allinaccurate imformation from my credit report. i have inclosed relevant documents to support my dispute-ftc report , plice report case XXXX XXXXXXXX.please confirm receit of this letter and imform me of the results as soon as possible.thanks for your immedite attension for this matter.sincerily 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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX companies that I am aware of so far were able to access my credit report without authorization, when in fact I cant access my report because TransUnion has not allowed me access for nearly XXXX months now without a detailed explanation. Still, TransUnion gave access to the following companies and allowed them to run fraudulent inquiries on my credit report : Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
An unauthorized collection account has been reported under my name. I did not consent to or authorize any such account, and its appearance constitutes a misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by XXXX, Experian, and XXXX  under the following accounts : XXXX  XXXXXXXX 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 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 Despite my formal disputes submitted on XX/XX/year>, and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction constitutes a willful violation of my rights and has caused significant harm to my credit standing and financial opportunities. 
As a good-faith effort to resolve this matter without resorting to litigation, I am extending a settlement offer : the complete deletion of all 10 inaccurate late payment entries across all three credit bureaus, and payment of {$1000.00} to compensate for the damages I have suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. At that time, I will pursue actual damages, statutory damages up to {$10000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and are strongly urged to treat this as your final opportunity to resolve this matter without litigation.

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 2025-07-15 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: GA

Complaint narrative:
" Formal dispute under FCRA 611 and Metro 2 Compliance. The creditor listed is reporting a charged-off tradeline but may not have legal ownership of the account. There is no proof of assignment or continued standing to report. I request full investigation into the data source, furnishers ' credentials, DOFD, and ownership chain. The current status misrepresents the legal owner and violates FCRA 623 ( a ) ( 1 ) ( A ), Metro 2 Segment Base reporting, and UCC 9-210. Please delete or block this inaccurate tradeline per 15 U.S.C. 1681i. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reported to Bank of America last year about an unjustified charges on my account from XXXX for XXXX XXXX  imposed on my credit card account on XXXX. 

Bank of America Credit Card Customer Service staff repeatedly claimed that the charge can not be disputed due to changing reasons as they flipped flopped on so many occasions. 

The concern about the dispute was communicated to Bank of America in a timely manner but they kept refusing to open a formal investigation into this XXXX charge.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I informed Portfolio Recovery Associates , LLC ( XXXX ) during a previous call that I am currently representing myself in active litigation regarding the alleged debt. I also clearly stated that I do not wish to receive further phone calls and requested that all future communication be in writing. 

Despite this, XXXX contacted me again by phone while I was working on XX/XX/year>, in direct disregard of my instruction. This behavior may violate the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ( c ) ), which prohibits continued communication once the consumer notifies the collector not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received an email from Jefferson Capital Systems on XXXX XXXXXX/XX/XXXX indicating that they are the new owner of my account for XXXX XXXX and no collection efforts will occur on this account for 30 days, with no other information other than my account number. I sent them a debt validation letter after this account appeared on my credit report XX/XX/XXXX. I disputed the information on XX/XX/XXXX and XXXX days later I received a result of unknown. I submitted another dispute on XX/XX/XXXX and on XX/XX/XXXX it was returned denied despite I provided documentation. Despite reporting that Jefferson Capital Systems is re-aging a collection account and reporting inaccurate information on my credit report. The account is showing as opened on XX/XX/XXXX, when their first contact with me was on XX/XX/XXXX and even though my last payment on this account was made on XX/XX/XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the Date of First Delinquency ( DOFD ). 
Additionally, XXXX XXXX is falsely listing themselves as the original creditor, when in fact they are a debt buyer. This is deceptive and misleading. 
The account is also showing an inflated balance of {$2400.00} when the last known balance was {$1900.00}. 
I have disputed this multiple times with the credit bureaus, and despite providing documentation, my dispute was denied. 
I am requesting the CFPB investigate this matter and ensure this account is either corrected or deleted entirely from all credit reports. 

Sincerely XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
While reviewing my TransUnion credit report, I noticed several hard inquiries that were made without my knowledge or permission. These inquiries include XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have never applied for credit or given written authorization to these companies to access my credit file. Under the FCRA, particularly 15 USC 1681b, credit reporting agencies are prohibited from releasing consumer reports without a legitimate permissible purpose initiated by the consumer. These inquiries were unauthorized and are a direct violation of that federal requirement. I am demanding that TransUnion immediately delete these inquiries from my 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
This late payment entry does not accurately reflect my strong history of timely payments. I respectfully request its removal and an update to my 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 2025-07-15 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) 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 proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Dept. of Education / Nelnet Student Loans To : Nelnet ( on behalf of Dept. of Education ) XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Subject : Request for Validation Multiple Student Loan Accounts Dear Nelnet, Multiple student loan accounts reported under your name appear on my credit report, with varying balances including {$380.00}, {$3400.00}, {$3700.00}, and {$6500.00}. I am requesting validation under FDCPA 15 U.S.C. XXXXg, as I do not recognize or acknowledge the accuracy of these reports. 

Please provide : Full breakdown of each account, disbursement, and repayment history Copies of master promissory notes or contracts bearing my signature Documentation of servicing transfers and interest charges Explanation of delinquency or default status, if reported Until these debts are validated, you must cease collection activity and ensure they are marked as disputed with credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
b"Please remove all these items from my credit report:- \nADDRESSESXXXX 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 XXXXACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES: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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
The inquiries listed are not recognized and seem suspicious in nature. Please take prompt steps to investigate and remove them as necessary. Additional documentation is provided.

Company response to consumer: Closed with explanation