vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am respectfully asking for the Consumer Financial Protection Bureaus assistance in compelling TransUnion to permanently delete an accounts that was unlawfully reinserted into my credit file without my knowledge, consent, or authorization. The accountsXXXX  and XXXX, Account Number XXXX and XXXX respectivelyhad previously been deleted following a valid dispute but has since been reinserted in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). I received NO notice of this reinsertion within the five business days required by law, and TransUnion failed to provide any certification of accuracy from the furnisher. This violates the statute and my consumer rights. Furthermore, I NEVER gave TransUnion or any third party permissible purpose to access or report these accounts in the first place, in violation of 15 U.S.C. 1681b. Additionally, TransUnion is in violation of 15 U.S.C. 1681e ( b ), as the information they are reporting does NOT MATCH the information reported by Equifax, and Experian is NOT reporting these accounts highlighting serious inconsistencies and a lack of maximum possible accuracy. These failures show willful noncompliance and ongoing negligence under 15 USC 1681n and 1681o. I am asking the CFPB to take action to ensure TransUnion permanently deletes these reinserted accounts, provides documentation explaining their actions, and complies with all applicable federal requirements. I am doing my part as a consumer and now urgently need your help to hold TransUnion accountable.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or around XX/XX/XXXX I deposited a check for XXXXXXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2 days after I went to check the app to see if the check was clear and I found out that the account wasnt even listed in the app ; I called Citibank and they said they need to verify the check, in Order to restore the account. 
I told them thats fine, but asked why they have to hold my accounts because of that. 
I called the day after and they still said the check needs to be verified. They said they tried to call the person who issued the check but got no response. they dare to ask me about his name, bank account and phone number. 
I told them, They can ask me anything they want about me but about another person? Thats private information and I cant share that with you unless he allows me to. 
The results of that back and forth was that they decided they want no more business with me and putting both accounts, personal and business, on restriction to close in 30-60 days and then returning the funds. 
Its been 68 days and they havent closed the business account, neither returned XXXX XXXX I have in my account. 
As you know that has created an incredible amount of stress, anxiety and frustration as they have left me without any money to keep up with my daily and business living, falling behind On payments and damaging my credit, not able to buy groceries and provide for my family. 
This Companies simply dont care what the regular consumer goes through.

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 monetary relief
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-03 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-03 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: OH

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 explanation
Consumer complaint received 2025-05-03 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: OH

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 2025-05-03 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint regarding inaccurate, inconsistent, and damaging mortgage reporting by XXXX XXXX XXXX XXXX on my FHA loan ( Loan # : XXXX ). 

In XX/XX/year>, I was formally placed on a hardship repayment plan due to a period of temporary financial hardship. I remained in communication with XXXX XXXX XXXX XXXX made regular payments throughout the hardship period, including the months of XXXX and XX/XX/year>, as agreed. 

However, rather than applying my payments as they were made, XXXX XXXX XXXX XXXX held the payments and later posted them as a lump sum payment of {$16000.00} on XX/XX/year>. Despite the fact that I met my obligations under the hardship agreement, XXXX reported the following inaccurate and extremely damaging information to the credit bureaus : 30-day lates or no data at all for XXXX, XXXX, XXXX, and XX/XX/year>, and 90+ day lates for both XXXX and XX/XX/year>. 

To make matters worse, Equifax, Experian, and TransUnion are each reporting different information, creating further confusion and harm to my credit profile. I have disputed the reporting with the bureaus, but the errors remain unresolved. 

This misreporting is not only factually incorrect, it is also emotionally and financially devastating. It has impacted my ability to obtain credit, increased my cost of borrowing, and caused immense stress. I have made every effort to honor my financial responsibilities, even in difficult times, and this inaccurate reporting does not reflect my true payment behavior or intentions. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX has a duty to report accurate and complete information ( FCRA 623 ( a ) ( 1 ) ( A ) ), to correct known errors ( FCRA 623 ( a ) ( 2 ) ), and to respond properly to consumer disputes ( FCRA 611 ). I believe these obligations have been violated in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint regarding inaccurate, inconsistent, and damaging mortgage reporting by XXXX XXXX XXXX XXXX on my FHA loan ( Loan # : XXXX ). 

In XX/XX/year>, I was formally placed on a hardship repayment plan due to a period of temporary financial hardship. I remained in communication with XXXX XXXX XXXX XXXX made regular payments throughout the hardship period, including the months of XXXX and XX/XX/year>, as agreed. 

However, rather than applying my payments as they were made, XXXX XXXX XXXX XXXX held the payments and later posted them as a lump sum payment of {$16000.00} on XX/XX/year>. Despite the fact that I met my obligations under the hardship agreement, XXXX reported the following inaccurate and extremely damaging information to the credit bureaus : 30-day lates or no data at all for XXXX, XXXX, XXXX, and XX/XX/year>, and 90+ day lates for both XXXX and XX/XX/year>. 

To make matters worse, Equifax, Experian, and TransUnion are each reporting different information, creating further confusion and harm to my credit profile. I have disputed the reporting with the bureaus, but the errors remain unresolved. 

This misreporting is not only factually incorrect, it is also emotionally and financially devastating. It has impacted my ability to obtain credit, increased my cost of borrowing, and caused immense stress. I have made every effort to honor my financial responsibilities, even in difficult times, and this inaccurate reporting does not reflect my true payment behavior or intentions. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX has a duty to report accurate and complete information ( FCRA 623 ( a ) ( 1 ) ( A ) ), to correct known errors ( FCRA 623 ( a ) ( 2 ) ), and to respond properly to consumer disputes ( FCRA 611 ). I believe these obligations have been violated in my case.

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 2025-05-02 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 am filing this formal complaint against XXXX  XXXX XXXX, XXXX for continuing to report inaccurate, misleading, and unverifiable information regarding a credit account appearing under the name XXXX, partial account number XXXX, which has resulted in measurable damage to my creditworthiness and personal reputation. 

Nature of the Complaint : 1. Inconsistent Payment History ( Violation of FCRA XXXX ( b ) and Metro 2 Standards ) XXXX has reported multiple, conflicting versions of the delinquency history for this account : One version lists 30-day lates for XX/XX/XXXX and XX/XX/XXXX Another shows 30-day lates for XXXX and XX/XX/XXXX, and a 60-day late for XX/XX/XXXX This directly violates their obligation to report accurate and consistent information and constitutes materially misleading data under XXXX U.S.C. XXXX ( b ). 
2. Inflated High Balance ( Metro 2 XXXX ) The account shows a high credit balance of {$1800.00} exceeding the assigned limit of {$1500.00}, which inaccurately inflates my utilization ratio and distorts my risk profile. 
3. Contradictory Past Due Balance Despite showing a payment on XX/XX/XXXX, XXXX  continues to report the account as past due by {$250.00} as of XX/XX/XXXX, raising questions of misapplication or non-updated information, violating FCRA XXXX ( a ) ( 1 ) ( A ) and XXXX. 
4. Selective Bureau Reporting The same creditor reports only to XXXX XXXX  Equifax, but not XXXX violating uniform disclosure principles required under Metro 2 and FCRA XXXX ( b ). 
Legal Grounds : XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX U.S.C. XXXX ( a ) : Right to a proper reinvestigation XXXX U.S.C. XXXX ( 5 ) : Obligation to delete unverifiable information XXXX U.S.C. XXXX ( b ) : Furnisher 's duty to correct errors XXXX U.S.C. XXXX ( TILA ) : Failure to transparently report terms of obligation XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX  ) : Deceptive reporting and unfair practices Relevant Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Agencies must perform manual, reasonable investigations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing a XXXXday late payment reported by Possible Finance to XXXX  and XXXX. I requested documentation to verify this information, including billing statements, payment history, and proof of timely delinquency notifications. The company failed to provide any billing statements or mailed notices, and instead only referenced internal summaries and email timestamps. 

I also requested a notarized compliance statement confirming accurate recordkeeping, which was not provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers must verify that all reported information is accurate and complete Possible Finance did not do so. 

Additionally, this same account is reporting with XXXX late payments to XXXX, which creates an inconsistency between credit bureaus. This violates the FCRA 's requirement for consistent and accurate reporting across agencies. 

Due to the lack of proper verification and inconsistent reporting, I am requesting that the XXXXday late payment entry be removed from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank has fraudlent numbers on my bank account. I they are continuing to hold funds that been my account my putting wrong information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries that wasnt consented by me in my Equifax, Experian and TransUnion credit report. These inquiries below are damaging my credit file and making it impossible to apply for credit. Please remove entirely from my credit file. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX Bankruptcy

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 2025-05-03 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: CA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. CXXXX  XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief