vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

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

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

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

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

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX - Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
We are disputing missing business tradelines for XXXX XXXX XXXX with Equifax Business. 
The following XXXX XXXX accounts have confirmed they report to Equifax Business, but the tradelines have not appeared on our business credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We have two invoices for each vendor for XXXX and XXXX. The invoices show our current business address : XXXX XXXX XXXX XXXX XXXX NY, XXXX The address on the invoices matches the address on file with Equifax Business and with each vendor. The vendors have confirmed they report. We request Equifax Business to contact the vendors directly to verify and post the tradelines. 
Business Information : - Business Name : XXXX XXXX XXXX XXXX  Owner Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX, NY, XXXX - Phone : XXXX Vendor Contact Emails for Verification XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

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

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$680.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal because Grids response to my complaint is inconsistent with the information currently appearing on my credit reports, and demonstrates ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

Grid told the CFPB that my account was delinquent in XX/XX/XXXX and XX/XX/XXXX for missed {$25.00} minimum payments. However, my credit reports still show delinquencies reported for XX/XX/XXXX and XX/XX/XXXX. 

This directly contradicts Grids CFPB response and proves that their investigation and reporting are not accurate. Furthermore : I have payment records showing that I paid in full on XX/XX/XXXX and XX/XX/XXXX, covering the periods they now claim were delinquent. 

In XX/XX/XXXX, Grid itself confirmed that it successfully collected an automatic payment of {$2.00} from my account. If that was less than the minimum, it is evidence of Grids system error, not consumer delinquency. 

I also have proof of a full payment in XX/XX/XXXX, further confirming timely account management. 

Grid has now changed its story multiple times : First claiming delinquencies in XXXX XXXX, Then XXXX XXXX, Then telling the CFPB it was actually XXXX XXXX XXXX, While my credit reports still show XXXX XXXX. 

This repeated shifting of delinquency months without providing any actual account statements or payment ledgers is evidence of an unreasonable investigation under FCRA 1681i and 1681s-2 ( b ). 

Finally, Grids suppression of future reporting does not fix the harm already caused by these inaccurate delinquencies. Suppression only prevents new errors it does not absolve Grid of the duty to delete false and unverifiable information already furnished. 

Requested Resolution : Delete all reported delinquencies for this account from my credit history. 

Update the tradeline to reflect Closed Paid as Agreed. 

Provide supporting account statements or payment ledgers if Grid continues to assert that delinquencies exist. 

If Grid can not provide these records, then the information is unverifiable and must be deleted under the FCRA. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX I took advantage of two balance transfer offers provided by Barclay XXXX XXXX XXXXXXXX XXXX. After paying more than the required minimum payments for over 18 months the balance on the transfers has not reduced. They claim that their system applies payments to the highest interest rate balance and that is how the system applies payments. There is no option available to make a payment to pay down a transfer, none on the paper statement or on the website application. There is no option available to file a complaint with the company and the customer service could only provide a statement that they would file a statement of my grievance. How can a company offer a 0 % balance transfer option with no way to payoff the transfer and not incur and endless amount of interest billing. Please let me know if there is any way to stop this company from doing this to other consumers and stop them from lying and cheating customers.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account in XX/XX/year>. I made a deposit via XXXX XXXX weeks after opening account. Logged in online and changed my debit card PIN number after receiving a generic one that I knew I couldnt remember. The next day, I try to log on and it says Ive been locked out due to too many log in attempts. I called and was told there was a 72 hour hold on my account, there was no information to follow. I called everyday over the next 4 days and was told the exact same thing. I called today and was told I had to wait another 72 hours. I explained, I live in Texas. Its 95 degrees and my power was shut off because I do not have access to my funds in that account that was intended to pay the bill. All the representatives were defensive and continued to read from a script. I even recorded my call, thanks to XXXX. I truly hope Citibank is sued and closed because this is unethical and unfair for consumers. If I did something wrong, I could understand but I did nothing wrong. The representatives claim the hold is for my protection. Thats just ridiculous.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>XXXX XXXX restricted my business profile due to what they said was an inability to verify the information provided for beneficial owners. I immediately re-submitted all required identity and business documents using the secure upload link XXXX  Support provided. Over several weeks, I repeatedly followed up by email and was told multiple times that my case had been escalated to an Account Specialist. 

Despite my submissions, I received conflicting information from different support agents. Some said my business profile was verified, others said no information had been received, and others told me to resubmit through the app even though the app would not allow me to upload ( I tried multiple devices and versions ). Several representatives acknowledged the bug and said they had forwarded my documents, but no resolution followed. 

On XX/XX/year>, I received an email stating that my business profile had been permanently deactivated for violations of XXXX User Agreement, without any explanation. The following day, I was told that a document upload request I had just received was an automated email and that the permanent deactivation decision remained unchanged. I was never given a clear reason for the denial or an opportunity to cure any deficiency, even though I had provided legitimate business records including legal registration and EIN. 

I disputed this outcome in writing, explained that all of my documents are accurate and verifiable, and requested that a senior team member review the matter. I raised concerns that the denial may have resulted from an internal error or bias. I never received a substantive response. 

In XX/XX/year>, I again contacted XXXX about closing the frozen business account and opening a new one. Support informed me that they can not close a frozen business account, and that the only way forward would be to delete my entire XXXX  account ( including my personal profile ), which I do not want to do. 

As a result, my verified business can not accept payments on XXXX my account remains frozen without resolution, and I have been left without a workable path forward despite full cooperation and documentation on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 2025-08-18 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recover Associate responded to my initial complaint stating I owed a debt to XXXX XXXX. The fact of the matter is I do not owe Portfolio Recovery Associates and will never pay this company. You provided me with no documentation with your authority to collect this allege debt nor did you provide me with anything bearing my signature. I will give you 14 days to remove this debt from my consumer report or you will be immediately sued on small claims court for state and federal law violations in connection to this allege debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Company : Citizens Bank... acct # ending XXXX... XXXX XXXX XXXX XXXX XXXX XXXX NY A total of XXXX unauthorized fraudulent ACH debits were charged to my account on the following dates totaling {$11000.00} : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a complaint with Citizens Bank fraud department on XX/XX/year> to reverse these unauthorized fraudulent charges and to date of writing you they have done nothing to fix the problem, however, they closed the account stating that I owe the bank XXXX in overdraft and fees, thereby, I must pay them or they would close the account without addressing the stolen money. 
The fraud/customer service department told me on the phone that XXXX took the monies therefore I must contact them to get back the credit. 
I contacted XXXX and they were not able to help me. They said that the bank would have to address any issues with their bank.

I went to the bank, also, sent emails to the branch manager XXXX XXXX XXXX. He said he has to wait on the fraud department to fix the problem. on XX/XX/year> I was told XXXX XXXX is no longer with the bank, however, XXXX XXXX will be replacing him, I sent emails to XXXX XXXX with no response from him. 
I don't understand why the bank is ignoring me when they're the ones that allowed fraudulent funds to be taken from my account without authorization. 
I have been waiting 5 months now for my funds and they need to reopen the account and credit my account for the full amount including those fees they charged. Why is the government allowing consumers to be treated badly by banks like Citizens... 
why are they not told to respond to customers my email in writing to allow for documented responses. Phone calls alone is to solving the problems with banks Thanks for your help in this matter. I am XXXX from stress

Company response to consumer: Closed with explanation