vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-24 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am disputing a duplicate autopay error on my American Express account ( ending in XXXX ). On XX/XX/year>, I made a manual payment of {$3600.00} that fully satisfied my XXXX statement balance of {$3700.00}. Later that same day, AmExs autopay system attempted to withdraw the same amount again, even though the balance had already been paid. That duplicate autopay was returned, but AmEx has treated it as a rebilled charge and assessed a {$29.00} returned payment fee. As a result, my account currently shows an inflated balance of {$6000.00} when my true balance, confirmed by reviewing my statements line by line, is {$1400.00}. This is not a customer error, nor an insufficient funds situation it is a duplicate system-initiated payment. I request that AmEx correct my account to reflect the true balance, waive the {$29.00} fee, and confirm that no insufficient funds remark is associated with my account record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Information Request Not a Dispute Account/Reference : [ XXXX ] | Furnishing to Experian/XXXX/TransUnion To Whom It May Concern : This letter is not a dispute of the account. I am requesting specific information about how XXXX XXXX XXXX  has maintained and furnished data for the account referenced above. Please provide the following in writing : Date of First Delinquency ( DOFD ) that XXXX XXXX XXXX  has on file and has furnished ( or will furnish ) to any consumer reporting agency, consistent with 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ).

Date of Last Payment recorded for the account ( internal records and any date furnished to a consumer reporting agency ).

Date of Charge-Off ( if the account was charged off ), including the internal charge-off date and any date furnished to a consumer reporting agency.

Chain of Assignment/Transfer : whether this account has ever been sold, assigned, or placed with any third party. If yes, identify each entity ( name, address, and dates of transfer/placement ) and whether the transfer was a sale, assignment, or placement for servicing/collection.

Please also confirm the exact data currently furnished to each credit bureau for these fields ( DOFD, last payment date, charge-off date, current status ) and provide a written itemization/accounting history showing how those dates were determined.

If any of the above information differs from what has been ( or is being ) reported to a consumer reporting agency, please correct and update your records and any furnished data in accordance with 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( duty to correct and update information ) and standard
Metro 2 reporting guidance.

Kindly respond in writing within 15 business days of receipt and mail your response to the address above. I will keep a copy of this request for my records.

Thank you for your prompt attention. 

Sincerely, 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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : Information Request Not a Dispute Account/Reference : [ XXXX ] | Furnishing to Experian/XXXX/TransUnion To Whom It May Concern : This letter is not a dispute of the account. I am requesting specific information about how XXXX XXXX XXXX  has maintained and furnished data for the account referenced above. Please provide the following in writing : Date of First Delinquency ( DOFD ) that XXXX XXXX XXXX  has on file and has furnished ( or will furnish ) to any consumer reporting agency, consistent with 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ).

Date of Last Payment recorded for the account ( internal records and any date furnished to a consumer reporting agency ).

Date of Charge-Off ( if the account was charged off ), including the internal charge-off date and any date furnished to a consumer reporting agency.

Chain of Assignment/Transfer : whether this account has ever been sold, assigned, or placed with any third party. If yes, identify each entity ( name, address, and dates of transfer/placement ) and whether the transfer was a sale, assignment, or placement for servicing/collection.

Please also confirm the exact data currently furnished to each credit bureau for these fields ( DOFD, last payment date, charge-off date, current status ) and provide a written itemization/accounting history showing how those dates were determined.

If any of the above information differs from what has been ( or is being ) reported to a consumer reporting agency, please correct and update your records and any furnished data in accordance with 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( duty to correct and update information ) and standard
Metro 2 reporting guidance.

Kindly respond in writing within 15 business days of receipt and mail your response to the address above. I will keep a copy of this request for my records.

Thank you for your prompt attention. 

Sincerely, 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 2025-09-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
credit reporting agencies are reporting unvalidated and incorrect information on my credit report, tried fixing, validating the information and they were unable to validate any of the information and still are reporting the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
credit reporting agencies are reporting unvalidated and incorrect information on my credit report, tried fixing, validating the information and they were unable to validate any of the information and still are reporting the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful reporting by Experian, Equifax, and TransUnion. Despite multiple disputes, these agencies continue to report charged-off and collection accounts that were purchased by other lenders, as well as hard inquiries from XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ) and XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ). 

These items are the result of identity theft and unauthorized access, as confirmed in my FTC Identity Theft Report ( # XXXX  ). Additionally, the credit bureaus have been subject to recent data breaches and lawsuits for failing to safeguard consumer data, further compromising my information. 

I am requesting the CFPB to enforce immediate removal of all fraudulent accounts, inquiries, and related negative items, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Servicemembers Civil Relief Act ( SCRA ).

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I made a XXXX purchase for about {$11.00}. I used the last {$3.00} on my XXXX XXXX balance, and the rest came from XXXX XXXX ( linked to my Citibank debit card ). 

On XX/XX/year>, I went to XXXX again. I reloaded {$10.00} onto my XXXX XXXX before ordering, then added another {$10.00} at the register because my order ( coffee + panini ) totaled {$13.00}. This meant I had reloaded a total of {$20.00}. 

The problem : XXXX deducted the {$13.00} from my reload balance, but Citibank also showed : a {$10.00} debit, and another {$13.00} debit. 
That made it look like I paid twice. 

When I questioned XXXX, they said the {$13.00} was from XX/XX/XXXX, but I knew that was incorrect because XXXX XXXX purchase was only {$11.00} ( covered with {$3.00} XXXX balance + Apple Pay ). 

A few days later, the other {$10.00} debit also posted to my Citibank account. In effect, I was double charged. 

Around the same time, I noticed another suspicious charge ( chicken wings at XXXX, which I would never buy ). 

I called Citibank and disputed these charges. The representative was polite, filed the disputes, and I received provisional credits. 

But on XX/XX/year>, without warning, Citibank blocked my account. 
When I called, I was told Citibank no longer wants to do business with you, your account will be closed, and you will get a letter. 
The next day, I went to a branch. The tellers tried to escalate twice but got the same message : account blocked/closing, must wait for a letter. They also updated my mailing address. 

As of XX/XX/year>, I have not received any letter. 

Meanwhile, my employers payroll continued sending funds to this Citibank account, which are now frozen. When I call Citibank, they say I have to go to the branch. When I go to the branch, they say I have to call. I am caught in a loop with no access to my funds. 

What I am asking A written explanation of why my account was blocked/closed. 
Immediate release of my payroll deposits and account balance.

Assurance that future deposits will not be trapped in a blocked account. 

This situation has left me unable to access money for food and bills. I have been a Citibank customer for over 15 years, and I did nothing wrong to deserve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LEXISNEXIS
State: NY

Complaint narrative:
I asked the debt collector to send me proof that the debt is valid and that they have the right to collect it. They did not send me the information I requested, but they still tried to collect the debt and reported it to the credit bureaus. This has hurt my credit and caused me stress. I want them to either provide real proof of the debt or stop collecting and reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

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 2025-09-24 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: PA

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report this morning. Even after refreshing my browser, nothing changed. I demand that the documents I submitted be reviewed carefully immediately so I can finally have peace of mind.

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 2025-09-24 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Several companies have been reporting my info as correct when it is not. I have disputed it with credit reporting companies. They claim to come back validated. I then asked for method of validation. How and what was used to validate the charges proving they belong to me Ihave never been given that thorough description of procedure. Charge offs exist but i have not been given 1099's.I asked for the original loan documents, and to what school or university these loans belong too. Proof of me enrolling and attending. Proof of any garnishment that has come my way because of a student loan and how that was reflected in the priginal loan. I want the transfer of assignment or bill of sale, that has my signature allowing them to constantly refinance my loans and the proof that i agreed to the new terms. I want those new original contracts. I would like any documentation they have during their investigation that proves I owe a balance and that my balances that they claim are reporting accurately are actually reporting accurately. 
I want the original contract dates. 
These companies are violating these codes by continuing to report these items as accurate and they are not. 
15 usc 1681 I ( a ) ( 6 ) ( b ) ( iii ) ( e ) 15 usc 1692 ( e ) I applied for loan forgiveness because I worked for the post office and the post office claimed I did not.

Company response to consumer: Untimely response