vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
I am submitting a complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). I filed a fraud dispute concerning a fraudulent XXXX XXXX account ending in XXXX that was added to my credit report without my authorization. I submitted an FTC Identity Theft Report ( FTC Report # : XXXX ) and requested a fraud block under FCRA XXXX, which was initially granted. 

However, on XX/XX/year>, Experian sent me an email stating that the account had been reinserted due to additional information received from the creditor. The email provided no documentation to support this claim, nor did it include the required reinsertion notice details under FCRA XXXX ( a ) ( XXXX ) ( B ) such as the name, address, phone number of the furnisher, and a copy of the so-called evidence. 

I did not agree in writing that the block was in error, nor did I authorize the account in any way. In addition, the account includes a fraudulent mailing address ( XXXX XXXX XXXX, XXXX, GA ) that I have never lived at, further proving the identity theft. 

I am requesting the CFPB to investigate Experian for : Violating FCRA XXXX by reinserting a fraudulently blocked item Failing to provide the legally required reinsertion notice under XXXX ( a ) ( XXXX ) ( B ) Continuing to report known false data despite official fraud documentation I am requesting immediate removal and re-blocking of the fraudulent XXXX account from my Experian credit file, and a copy of all documents Experian claims to have received that justify reinsertion. I have uploaded a copy of the email from Experian, my FTC Report, and my prior disputes.

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 2025-07-26 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:
I recently checked my credit report and noticed some fraudulent accounts. please remove these accounts from my reports as they affect my ability to receive credit.

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 2025-07-26 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: AL

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  XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a very long time city card user. I prefer to pay my entire statement balance every month to avoid interest charges. I recently also did a balance transfer to take advantage of the low transfer rate and 0 % interest over the stated period of time which I believe was 12 months. My goal is to every month pay off my entire credit card statement balance for my regular credit card charges. I also want to make a specific payment to my balance-transfer balance to make sure that I pay it off entirely during the promo period so not avoid any additional fees or interest. It seems impossible to do that. I called customer service and asked if I could pay {$1000.00} and be sure it only goes to the balance-transfer balance, and was told I could not, due to the inflexible order in which payments are allocated by the system. This is clearly detrimental to my ability to pay my balance to avoid fees including the unsury rate I will incur if I don't fully pay off the balance-transfer balance during the finite promo period. 
Citi does not separate the XXXX balances and prevents me from paying on each balances the way I prefer which is in a way that helps me to take advantage of the offering and avoid new fees and new interest cost. 
Instead, I was told today that any dollar amount above the minimum payment will go to my regular credit card charges. And that if I paid an additional say {$1000.00} above my regular statement balance and above the regular minimum payment balance, I can not be guaranteed the amount will pay down the balance-transfer balance. There is no way to specifically pay down the balance transfer balance. Which makes it nearly impossible to make sure I don't incur fees and the extremely high interest rate that I will experience when promo period ends. 
It seems that any amount that I pay above the minimum balance and new charges for my credit card that month goes to the credit card balance. To make this even more difficult. My invoice no longer tells me what amount I need to pay in order to avoid interest charges because Citi no longer shows on my statement a regular credit card statement balance. It's all lumped together. What must happen is that my balance transfer amount should be treated like a separate balance ( with a min payment requirement ) that I can pay down during the promo period, and I should have a separate credit card statement balance so I know clearly what my payment must be to avoid interest and fees. Their deceptive billing and payment allocation is unfair, outrageous and is likely to trap me into paying additional fees and interest.

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 2025-07-26 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: 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 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 XXXX 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 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 2025-07-26 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: 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 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 XXXX 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 2025-07-26 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:
EQUIFAX IS obligated investigate claims 15 U.S.C. 1681i 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : When a consumer notifies a CRA of disputed information, the CRA must, within a 30-day timeframe ( which can be extended to 45 days in some cases ), conduct a reasonable reinvestigation to determine if the disputed information is inaccurate, incomplete, or can not be verified.

15 U.S.C. 1681i ( a ) ( 1 ) ( B ) : The CRA must also review all relevant information provided by the consumer.

the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c-2 Blocking Information : A consumer reporting agency is required to block information in a consumer 's file that the consumer identifies as resulting from identity theft, within a specific timeframe after receiving proper documentation and a statement from the consumer.

Notification : Furnishers of information must be notified by the agency about the blocked information, the identity theft report, and the block request Individual Account Loan type Auto ( XXXX ) Creditor classification Installment credit limit High credit amount {$54000.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I filed a dispute back during XX/XX/scrub>/2025 in the amount of {$1500.00} and in the amount of XXXX. My information was leaked in a data breach with my health insurance twice actually but I sent in the most recent document that was mailed to me. My bank account was linked with my Health insurance along with other information that was stolen all personally and valuable information that the hacker could use to get anything they wanted or hack into anything they wanted. My account was hacked and as soon as I found out I immediately reported the amounts that wasnt mine. They said they investigated my dispute and denied it. They must have no because they for one denied it and another reason they wouldnt send me proof or tell me why. Said that they wasnt able to give me that information of why my dispute was denied. Which is odd because its my account I should be able to know its my right to know. They also offer a way to dispute manually yourself by doing it on the app step by step by clicking and giving information needed they wouldn't allow me to be able to do it. They lied and said everyone has to call in to do dispute which I know that's not true because I know others who bank with chime that doesnt have to call they can do it through app if they wanted. I even managed to get a company to refund the money and send a invoice showing proof of refund. I filed another dispute again and sent that in. Denied me again. I also never did get my refund either. For some reason they couldnt find it. Which was odd

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-26 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport. 
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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I received the check in XX/XX/year>2025, but did not open it until after the XXXX XXXX 2025 date. 
I placed the check into my account, but my bank did cash it at first, then it was returned a few days latter. I was told in writing by XXXX XXXX that I would receive a new check for the same amount in six weeks. We are past the six week period of time. The {$530.00} check has not been received. I had to pay the bank back myself. This took place in XX/XX/year>2025. I called XXXX XXXX  phone number, they stated another check would be in the mail, this has not taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am disputing an account placed by National Credit Systems , Inc. for an alleged debt related to XXXX XXXX Apartments. This collection account was reported to my credit file without a prior validation notice or opportunity to dispute, which violates FDCPA 15 U.S. Code 1692g. On XX/XX/year>, I sent a certified letter requesting full validation of the debt, and they have not responded. 
As of today, I have not received any documentation from the agency, and they continue to report the debt, which is damaging my credit. I am requesting immediate deletion of this account from all credit reporting agencies due to failure to validate the debt as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am disputing the reporting of a XXXXXXXX XXXX XXXX account that was settled and has a XXXX ( Cancellation of Debt ) issued. This account was resolved in 2020, and the proper status should reflect " Paid, '' " Settled, '' or " Closed with XXXX '' However, the credit reporting agency continue to report the account as charged off with a balance due, which is false and misleading.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and complete information. XXXX 's failure to update the status of this account to reflect the XXXX and resolution violates these standards. This inaccurate reporting is damaging my creditworthiness despite the fact that the debt was XXXX and resolved years ago. 
I have contacted the credit bureaus, but they have not corrected this error. I am now seeking the CFPBs assistance in having this account removed entirely from my report. 

Please investigate this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request a thorough investigation into the practices of Select Portfolio Servicing ( SPS ) regarding my mortgage account. Over an extended period, I have encountered multiple irregularities and abusive practices that appear fraudulent and financially harmful. These concerns include, but are not limited to, the following : Failure to Post Monthly Payments Properly : Despite submitting timely monthly payments, SPS has repeatedly failed to credit these payments to my account. I have retained copies of bank statements and photographic evidence confirming that payments were made and received. I have 2 recorded conference phone calls between me, my bank account representative, and the SPS customer services representative.

Unexplained Increase in Loan Amount : My loan balance has inexplicably increased over time, despite making regular payments and applying additional principal payments of more than {$14000.00} within XXXX months. SPS has not provided a clear accounting or explanation for these increases, raising serious concerns of improper loan servicing. 
Threats of Collections Despite Timely Payments : I have received communications threatening to refer my account to collections. These threats are distressing, unfounded, and appear coercive, even more for a person with an XXXX XXXX XXXX. 
Improper Late Fees and Charges : SPS has assessed multiple late fees and penalties despite documented evidence that the payments were not late. These charges are unjustified and constitute financial harm to the borrower.

Pattern of Consumer Complaints Online : Numerous complaints from other consumers have been posted online, reporting similar misconduct by SPS, including mishandling of payments, improper fees, and abusive collection practices. This pattern suggests systemic issues that warrant federal review and investigation.

I respectfully request your agency to : Initiate a formal investigation into SPSs servicing practices.

Require SPS to provide a full accounting of my loan history, including payment applications, fee assessments, and balance calculations.

Review whether these actions violate federal lending and consumer protection laws.

Provide guidance on remediation of improper charges and prevention of further harm.

I am prepared to submit detailed documentation, including monthly statements, payment confirmations, and photographs, to support these claims. Please advise on the best way to provide this evidence to support your investigation.

Thank you for your immediate attention to this matter and for protecting consumers from predatory and fraudulent mortgage servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of identity theft and have submitted all required documentation to ChexSystems under the Fair Credit Reporting Act ( FCRA ), including : A valid Identity Theft Report from the FTC A police report detailing the identity theft Proof of identity and address A written dispute of the fraudulent accounts ChexSystems has refused to remove the fraudulent information, stating that the reports do not clearly support the claim despite the fact that the documentation meets the legal requirements under FCRA XXXX. 

Under this section, ChexSystems  is required to block fraudulent information within XXXX business days of receiving valid identity theft documentation. They are failing to comply with federal law. 

The fraudulent account ( XXXX ) remain on my file, negatively affecting my ability to open bank accounts and access financial services. 

This is causing continued harm and stress. I am requesting that the CFPB take action to ensure ChexSystems immediately blocks and removes the disputed, fraudulent information in accordance with 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