vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This all started on XX/XX/year> American Express made an error in auto payments but then ended adding in extra $ XXXX XXXX dont know where it came from into my balance. They kept changing my current balance daily and indicated my bank TD returned payments back but attached are bank documents and I have spent XXXX hrs on chat and calls to Amex and they wont fix it correctly and its very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 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 filing this complaint against TRANSUNION for reporting inaccurate and unverifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported with a XXXX late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX. These entries are not only inaccurate, but as of this date, those months are still in the future, which makes this reporting not just false but logically and temporally impossible. If TRANSUNION can not provide documented evidence that these delinquencies were reported and verified accurately, they must be removed immediately under FCRA XXXX. 

Additionally, my TRANSUNION credit report contains a large number of unauthorized hard inquiries, which I never authorized through a written request or permissible purpose. These include inquiries by : XXXX XXXX, XXXX ( XXXX  times ), XXXX ( XXXX  times ), XXXX, XXXX, XXXX ( XXXX  times ), XXXX ( XXXX  times ), and XXXX XXXX XXXX XXXX, on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, and XXXX, XXXX XX/XX/XXXX XX/XX/XXXX and XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In addition, I never authorized the following inquiries either, all of which must be investigated and removed : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  on XX/XX/XXXX These inquiries were never initiated, authorized, or consented to by me, and TRANSUNION has failed to XXXX compliance with FCRA XXXX, which requires a permissible purpose for hard inquiries. The presence of these unauthorized inquiries negatively impacts my credit profile and must be addressed immediately.

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 2025-06-10 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: WV

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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 2025-06-10 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: NE

Complaint narrative:
i have noticed since XXXX  an account on my credit report XXXX XXXX that is fraudulent and I did not authorize it. I tried to solve it. Try to come up with a payment arrangement but at the end, I realize thats under the FCRA law I do not have to accept this fraudulent account.there is also a inquiry that is a appearing of my credit report that I did not approve ; 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 2025-06-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-10 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: AE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for and was approved for a XXXX XXXX XXXX XXXX ( issued by Barclays ) and was told the physical card would arrive by mail. I waited over 20 days, but the card never arrived. 
When I contacted Barclays, I was told that the account had been blocked for security verification, and that I would not be able to use the account, access it online, or even make a payment until I submitted multiple sensitive documents ( passport, drivers license, Social Security card, and bank statement ) via fax or postal mail only. 
I called customer service at least five times, and each time I was either hung up on or treated rudely. I asked for a secure alternative method to verify my identity or simply pay the account balance, but was told there was no other option. 
This situation is unacceptable. I never received the card, I can not make a payment, and I am being threatened with interest charges for an account I literally can not access or use due to the companys own process. I feel this is an abusive and unfair practice toward consumers

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 2025-06-10 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: FL

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA XXXX ( XXXXXXXX XXXX. XXXX ) to formally request that all XXXX bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Inquires : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. 

I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. 

I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the XXXX Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA XXXX ( XXXXXXXX XXXX. XXXX ) to formally request that all XXXX bureaus block and remove all fraudulent information from my consumer credit report within XXXX ( XXXX ) business days of receiving this notice. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Inquires : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. 

I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. 

I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the XXXX Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC

Complaint narrative:
I'll give you a summary of my situation. 
- Acquisition of a house with obtaining a mortgage loan from XXXXXXXX XXXX  - Transfer of this loan by XXXX to the XXXX organization - Transfer by XXXX of this loan to the SHELLPOINT organization - Start of setbacks in repaying the loan because the setting up of automatic debits was not carried out by SHELLPOINT - Payment by check but after a while the checks are returned by SHELLPOINT - Discrepancy between the amount claimed by SHELLPOINT and reality because insurance premiums were wrongly added despite the supporting documents provided - Blockage of the situation since XXXX - Following this imbroglio loan repurchase proposal made at {$160000.00} - Shellpoint made a request for additional documents on XX/XX/XXXXXXXX  without specifying that it refused my proposal - sends additional documents on XX/XX/XXXXXXXX  and awaits a counterproposal to date - response discovered by a lawyer canvassing mail because I have not yet received a document from Shellpoint for information about the start of the foreclosure procedure - the mediation took place on XX/XX/XXXXXXXX  At the end of the mediation I had the impression that there was an abuse of rights by the bank because it was demanding an amount from me that I discovered after the judgment of XX/XX/XXXXXXXX  I want to regularize my situation, which is why I put the house up for sale before the foreclosure decision, but I want to pay the right amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am notifying you that my credit file contains accounts that are the result of identity theft. These entries were made without my consent, and I am not liable for them. In compliance with 15 U.S.C. 1681g, I request immediate removal within 15 days. Documents verifying my identity and this dispute are included.

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 2025-06-10 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: CITIBANK, N.A.
State: NE

Complaint narrative:
b'CITICARDS CBNA XXXXnDate openedXXXX XXXXLoan type: Flexible Spending Credit Card\nCredit limXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnResponsibility: Relationship Terminated (04/07/2023)\n\nI did not open or authorize this CITICARDS CBNA account, and dont know what this is, which shows as a flexible spending credit card with a high balance of $XXXX This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held 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 2025-06-10 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: IN

Complaint narrative:
Let me be unequivocal : this is a valid and well-substantiated complaint. My credit report contains inaccurate information that blatantly violates the legal requirement of maximum possible accuracy. These errors are causing continuous and significant harm to my financial standing and personal well-being. The consequences are severe and increasingly unsustainable. Given the gravity of this matter, correcting or removing these inaccuracies is not optionalit is urgent and absolutely necessary.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has called me multiple times before XXXX XXXX. Below are just some of the many : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

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 2025-06-10 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 am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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