vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On approximately XX/XX/year> I received my billing statement from Citi Bank regarding my Citi Bank XXXX Anywhere credit card. The bill amounted to over {$8000.00} and I immediately checked the listed charges. I found that there were 81 charges made on my card that were not made by me. They were made by a mister XXXX XXXX and all were made in the area of XXXX XXXX XXXX. It was noticed that somehow XXXX had hacked into my account and became an " authorized user ''. I immediately called Citi Bank and they provided a conditional credit for 24 of the charges and I was told not pay. I later received an email requesting information for one charge from XXXX XXXX for {$140.00} regarding a sales slip, receipt, etc. regarding this purchase. I certainly had no such information and thought this email wasn't legitimate. I later received a letter stating that since I hadn't responded all of the disputed charges were not resolved in my favor. In addition there were 57 additional fraudulent charges from the same person in the XXXX XXXX  XXXX area. This created a total of 81 fraudulent charges for a total amount of {$7500.00}. Further checking by me showed that the Citi Bank fraud and dispute center stated the card used in these disputes had a card number ending in XXXX. I've never had a card with this number. My call regarding this information resulted in no assistance. My daughter called again to try and assist me on XX/XX/year> and was told that within 24 hours I would receive an email and the charges would be reinvestigated. As of today I have not received any response from Citi Bank.

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 2025-08-11 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: CA

Complaint narrative:
XXXX'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputedXXXXREPORTING ON TRANS UNIONXXXX XXXX XXXXREPORTING ON XXXX XXXX TRANS UNIONXXXX XXXXREPORTING ON XXXX XXXX  TRANS UNIONXXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNIONXXXX XXXX XXXX XXXX XXXX  TRANS UNION\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: ME

Complaint narrative:
I submitted my monthly mortgage payment on XX/XX/XXXX and it was taken from my account on XX/XX/XXXX. On XX/XX/XXXX my full mortgage payment was again removed from my account. It was returned by the next morning. I attempted to reach the mortgage company both by following a link in an email I was sent about a document I could review and logging in from their welcome page. Neither of these efforts were successful. This was XX/XX/XXXX and after giving my log in information I was shown a page that announce, '' Sorry, something happened '' this is the only information I receive when I try to log in. I have spoken to customer service speaking with 3 employees, waiting on hold for over an hour. Eventually I spoke with a call center employee who was attempting to help me but could only say that I paid my mortgage on XX/XX/XXXX. When it came to why I was being repeatedly charged or why I could not access my online account they could not help me. I asked to be transferred to some one who could look into this and after being put on hold again was told that there was no one available and it was unlikely I would get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-11 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-11 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Experian Credit Bureau has been inconsistently updating my credit report for the past four months. Each month, I have had to dispute balances on my report because Experian fails to update my account balances when my creditors provide their closing statements.

For example, in XXXX, my XXXX XXXX XXXX  statement covered the period from XX/XX/year> to XX/XX/year>, with a statement balance of {$890.00} on a credit limit of {$4500.00}. XXXX XXXX reports to all three major credit bureausXXXX  Experian, and XXXXimultaneously each month. While both XXXX  and XXXX  correctly updated my balance, Experian did not. As a result, I had to dispute the balance shown by Experian and provided a copy of my current statement for verification. 

Because I use my credit cards actively each month, when Experian verified my balance with XXXX XXXX, the creditor reported the current balance at the time of verification, which had increased to {$2900.00}. Experian then updated my report on XX/XX/year> with this higher balance, which negatively impacted my credit score. 

This month, a similar issue occurred. My XXXX statement, covering XX/XX/year> to XX/XX/year>, was accurately reflected by XXXX  and XXXX, but Experian again failed to update the correct closing balance reported by XXXX XXXX. I am hesitant to dispute this balance because if Experian updates my report with the current balance as of today ( XX/XX/year> ), it will further lower my credit score due to the increased charges on my card. 

I have contacted Experian multiple times throughout XXXX and XXXX to address these concerns. I was informed that my profile is currently under review by their consumer affairs department, though I have not been told why. Despite assurances that someone would contact me, I have yet to receive a return call. 

Additionally, one of my creditors, XXXX, incorrectly reported a delinquency to Experian. This error caused my credit score to drop by XXXX points on XX/XX/year>. When corrected, Experian only restored XXXX points on XX/XX/year>, leaving my score unjustly reduced. 

Furthermore, my XXXX XXXX XXXX  accounts illustrate ongoing problems. The bank reports all three of my loans simultaneously each month. However, Experian updates one accounts increased balance first, lowering my score, then updates the other two accounts the following day, partially restoring my score but only by half the points lost. 

This inconsistent and inaccurate reporting is extremely frustrating and unacceptable. My credit score is vital as I am currently working to obtain property for a new business, and these errors are adversely affecting my financial opportunities.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have reported inquiries as Fraudulent to TransUnion. I have mailed them an FTC Identity Theft report, a request to remove the fraudulent inquiries, and I included my ID and Social Security card. 

TransUnion is BLATANTLY disregarding federal laws put forth by the FTC, specifically FCRA 605B which states : " FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' It has now been 7 business days and the fraudulent information has not been removed from my credit report. TransUnion acknowledges they received my dispute, but claims they can't remove anything as the " documents haven't been uploaded to the system ''. I have called them no less than 5 times over the past week to get this resolved and none of the representatives can tell me why the disputes haven't been processed yet. They need to be fined for not processing documentation in a timely manner and not adhering to FEDERAL GUIDELINES.

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 2025-08-11 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-11 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: EQUIFAX, INC.
State: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed my XXXX  tax return and ( {$7600.00} ) was deposited on XX/XX/XXXXXXXX  into a closed account ending in XXXX. 

I called the sending institution they stated they never got the funds back. Chase stated they did have the funds and that a check would be mailed however I have been trying to resolve this since XXXX of XXXX with no resolution. 

I was advised to open a new account in which I did however shortly after my account was locked and closed with no explanation. 

I have all of the verification of my tax filings that I was able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: 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 non-monetary relief