vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX. * * XXXX  XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$470.00} - * * Violations : * * - FCRA XXXX No original signed agreement or billing records provided - FCRA XXXX Reporting despite resolved dispute and no new investigation - FDCPA XXXX No debt validation from original or XXXX source XXXX. * * XXXX XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : * * {$460.00} - * * Violations : * * - FCRA XXXX Derogatory reporting without updated documentation - FCRA XXXX No signed application or debt origin document - FDCPA XXXX Failed to validate the debt before collection activity XXXX. * * XXXX/ XXXX  XXXX XXXX XXXX * * - * * Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$610.00} - * * Violations : * * - FCRA XXXX Previously disputed but reporting remains unchanged - FCRA XXXX No evidence of valid collection or assignment from original creditor - FDCPA XXXX No debt validation documents were provided to consumer -- - # # # LEGAL DEMAND FOR ACTION I hereby demand that each account listed above be : XXXX. * * Deleted * * from all credit reporting files, * * OR * * XXXX. * * Fully validated * * by supplying : - The original signed contract or credit application - Detailed billing and payment history - Proof of legal right to collect and report this debt - Chain of custody for any sold/assigned accounts Failure to comply with this request within * * XXXX  days * * will result in : - * * Formal complaints * * filed with the CFPB, FTC, and State Attorney General - * * Litigation * * under * * FCRA XXXX, XXXX * * and * * FDCPA XXXX * * for damages and noncompliance

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
I reported approximately {$800.00} in unauthorized charges on my business XXXX  account with XXXX XXXX. The transactions were listed as XXXX XXXX XXXX. I notified XXXX promptly on XX/XX/year>, and fully cooperated with their dispute process. I submitted detailed written responses, invoices, bank statements, and all business documentation they requested. 

Shortly after submitting this information, XXXX abruptly closed my account without explanation, stating only that the decision was final and related to compliance-related red flags. They offered no specifics, and I was given no opportunity to address or resolve any concerns. I also requested updates on the status of my dispute and whether I would receive a provisional credit or a resolution timeline, but I received no clear answer. 

XXXX stated that the fraud investigation XXXX take up to XXXX  days, but I have no confirmation that it is still active or if they will honor the dispute process at all. Their decision to close my account after I reported fraud and cooperated in good faith feels punitive and lacks transparency. 

I am requesting assistance to ensure that : My fraud dispute is properly reviewed and resolved ; I receive a written update and timeline for resolution ; XXXX is held accountable for closing my account mid-dispute without clear justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: DE

Complaint narrative:
In XXXX of XXXX  there was a data breach where I was a victim of identity theft. There were bank account, loans, XXXX cards and unemployment opened in my name. I have been fighting fir XXXX years to get these items removed from my credit reports. Furthermore, the XXXX XXXX agencies are reporting late payments that are completely inaccurate and inconsistent. This is effective my life style and hindering me from even getting a job in the financial industry. They continue to report inaccurate items on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: DE

Complaint narrative:
In XXXX of XXXX  there was a data breach where I was a victim of identity theft. There were bank account, loans, XXXX cards and unemployment opened in my name. I have been fighting fir XXXX years to get these items removed from my credit reports. Furthermore, the XXXX XXXX agencies are reporting late payments that are completely inaccurate and inconsistent. This is effective my life style and hindering me from even getting a job in the financial industry. They continue to report inaccurate items on my credit 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 2025-07-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-11 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a XXXX of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-11 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: NV

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a XXXX of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe XXXX XXXX XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX has yet to report to Transunion that my car loan has been paid in full. It is still showing on my TU report that I owe {$19000.00} and the account is in good standing. This account was paid in full in XXXX of XXXX. I have called and asked them several times to do this and also send me a letter stating account is paid in full. I spoke with XXXX on XX/XX/XXXX ( she works in the XXXX Department ) and she was supposed to have taken care of this issue. It appears that it was removed off of Transunion last week but has popped up back on the report. These people are the worst that I have ever dealt with as far as customer service. Please note that they may have me listed under a different last name as I was married in XXXX of last year and I don't know if they are accurately reflecting my last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 recently traveling and, during that time, I lost my wallet and became a XXXX XXXX XXXX XXXX. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Chase account was restricted on XX/XX/year>, after an unauthorized {$900.00} check appeared that I did not write or approve. I was told nothing could go in or out of my account while Chase investigated. However, the same day I was paid through direct deposit, Chase used my paycheck to cover that fraudulent transaction without my consent or authorization. 

I did not approve the check, and I certainly did not give permission for my hard-earned money to be taken to pay off a fraud. I contacted Chase and requested that a fraud claim be opened and a provisional credit issued while they investigate, as is my right under Regulation E. 

I have not received proper communication or resolution. Im seeking the return of my paycheck and a full investigation of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-11 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 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. EQUIFAX EXPERIAN 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
M lemail to CITI XXXX Offices Client Care from multiple converstaions over that last XXXX with /CITI - follow up from conversations Citibank -- XXXX repeatedlycontinue to be getting a hit on my credit score by CITIBANK NA for a card CITI claims is closed/non-existent with a XXXX balance, according to your Citi Security Ops team when I call in for assistance. I called in on XX/XX/XXXX due to this on a XXXX XXXX account ending in XXXX, now apparently showing as ending in XXXX which is supposedly closed, inactive, and the XXXX is not an account I have any knowledge of. Again - Citi has not restored my login credentials, therefore, I have no way of seeing anything until it is too late and hits my credit score. This again has been going on sinceDec XXXX, XXXX. Please stop the MADNESS!! 
Previously XXXX due to my credit score suffering on CITI 's part, I sent a payment for a statement due date of XXXX my thoughts were that being proactive with a payment would mitigate any further damage to my credit score. I sent a check # XXXX for {$500.00} on XXXX, which was cleared on my bank account on XX/XX/XXXX, but the payment never reached or reflected on my next statement, and I received delinquent notice and another hit to my credit score, seriously? Where did CITI post my payment?? 
Follow up - XXXX XX/XX/XXXX I called into the Customer Service # posted on the statement, was transferred 4 times to finally reach XXXX. XXXX confirmed that no payment was posted on the Diamond Preferred acct ending in XXXX gave him details on XXXX # XXXX @ {$500.00} that shows endorsed and cashed by CITIBNAK NA XXXXThis results in CITI showing another delinquency on my part for an account with a {$0.00} balance on Your side.??? He claimed that it is a closed account with a {$0.00} balance, however my paper statement shows over a $ XXXXbalance - how is this possible and where did my {$500.00} go? XXXX had no answers and transferred me to Client Account Services to talk to XXXX. XXXX Confirmed that last and final payment was of {$110.00} and account has a {$0.00} balance and is a closed account. I asked - why is it still showing up on my creditreport. XXXX said he would send my statements from XX/XX/XXXX thru current so thatI can sort it out, and would Refund me my check of {$500.00} and to expect it within XXXX days. Today is the XXXX day since that conversation and I have yet to receive anything CITI has promised. Please fix this - send XXXX paper statements from XX/XX/XXXX thru current and a refund check of {$500.00}. 
This communication will be also sent to the Consumers Financial ProtectionBureau for follow up. 
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 2025-07-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

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