vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AZ

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 2025-09-10 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/year> NOTED A CITIBANK CHARGE OF {$730.00} TO XXXX XXXX XXXX XXXXXXXX XXXX TN XX/XX/year> TALKED TO HOTEL CLERK WHO SAID I WAS ONLY CHARGED {$110.00} FOR ONE NIGHT STAY. I WAS NEVER CHARGED AN ADDITIONAL {$730.00} XXXX CONTACTED CITIBANK FRAUD DIVISION NUMEROUS TIMES TO DISPUTE {$730.00} CHARGE, PROVIDE INFORMATION THAT THE STAFF AND MANAGER AT XXXX STATED THERE WAS NEVER A CHARGE FOR {$730.00} MADE. 

XX/XX/year> RECEIVED LETTER FROM FRAUD DIVIDIOSN STATING MY DISPUTE IS CLOSED AND I AM RESPONSIBLE FOR THE {$730.00} CHARGE TO XXXX. THEY CLAIMED THEIR WAS NO FRAUDULENT ACTIVITY.

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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
This call was from CBHU XXXX VT. XXXX said they were trying to collect a Cable bill from XXXX OH from 2024. I lived in XXXX OH over 20 years ago with a roommate that is now deceased. I have never had cable. She did not have much information on the amount. Why do they have my name and phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing on my credit report this morning. I do not understand why this hasnt been fixed, as I refreshed my browser and they remain there. I need the documents I sent to be reviewed immediately so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this second complaint to address Truist 's failure to comply with their duties as a furnisher of information under the Fair Credit Reporting Act ( FCRA ). The company 's previous response to my complaint ( CFPB Case XXXX ), dated XX/XX/XXXX, claimed that a minimum payment of {$1200.00} was due on XX/XX/XXXX, and that no payment was received by that date. This statement is factually incorrect. 

I have attached proof that a payment of {$1200.00} was made on XX/XX/XXXX, via an ACH debit from my XXXX checking account. The transaction posted on XX/XX/XXXX, as shown on the second page of my checking account bank statement which is well before the due date of XXXX XXXX. The description of the transaction shows " TRUIST LN XXXX MBW PYMT ''. The amount paid was greater than the minimum payment Truist stated was due. This evidence proves that a timely payment was made, and therefore, the negative reporting on my credit report due to this alleged late payment is a bank error and is factually inaccurate. 

I initially requested a goodwill adjustment in XX/XX/XXXX for a single late payment that occurred in XX/XX/XXXX, based on my otherwise excellent payment history since XXXX. The loan was paid off in full in XX/XX/XXXX. Truist denied the goodwill request and stated there was no bank error with their reporting. However, the payment details attached confirm that their statement is incorrect and that a payment was indeed made before the due date they specified. This is a clear violation of FCRA law under Section 623 ( a ) to report accurate information.

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 2025-09-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the bankruptcy listed on my credit report. Under 15 U.S.C. 1681 ( a ) ( 4 ), credit reporting must be fair, accurate, and respect the consumers right to privacy. 

This item is not verified to that standard. I request its immediate removal unless you can provide documented evidence proving its accuracy

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I am disputing the creditors refusal to grant a courtesy removal of reported delinquencies. While I understand that creditors are not always required to remove accurate information, this same creditor has granted courtesy or goodwill removals for other customers under similar circumstances. When I requested the same consideration, my request was denied without a clear explanation or transparent criteria. 

This creates an unfair and inconsistent practice, where some customers benefit from courtesy removals while others are denied without justification. I am requesting that these delinquencies be removed from my credit report in the interest of fairness and consistent treatment, or that the creditor be required to clearly explain the basis for granting or denying such courtesy requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
Today on XX/XX/year> XXXX XXXX reached out to my sister via text message and disclosed my debt. I am not associated with that number or her. This is illegal and will be taking action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: WA

Complaint narrative:
In XXXX I took out a 2nd mortgage to buy my home. In XXXX I was forced into bankruptcy by the mortgage company changing the terms of the mortgage and increasing the interest to 29 %. During the bankruptcy the mortgage company was sanctioned as a predatory lender and their license was revoked in addition to a large payout. As part of the settlement, the debt was discharged, forgiven and the account closed. The company was dissolved in the process. 

In approximately XXXX ( a full 15 years later ) I began getting demand letters from XXXX XXXX  dba XXXX XXXX, in XXXX, Tx for the long closed account after they apparently bought the alleged debt. I demanded a validation letter and advised them the statute of limitations had long expired. They then apparently sold the account to a company called Real Time Resolutions, also in XXXX, Tx. 

In XXXX, Real Time Resolutions began sending demand letters. They were also directed to stop contacting me under penalty of Federal Law. 

On XXXX XXXX, XXXX I was advised by my private bank that XXXXXXXX XXXX had just placed a lien on my home while they were preparing to close a HELOC loan. 

It should be noted that my home had been refinanced twice in the past 10 years as rates plummeted. There were NO liens on the property at that time. 

This appears to be a blatant violation of Federal Credit laws. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This complaint is regarding 3 separate fraudulent accounts appearing on my consumer FICO credit report : a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Secured loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a Secured loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent Late Payments appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, Late payments, or 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 aforementioned accounts, Late Payments, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payment, and hard inquiries are the 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 2025-09-10 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This complaint is regarding 3 separate fraudulent accounts appearing on my consumer FICO credit report : a personal credit card account opened at at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Secured loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a Secured loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent Late Payments appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, Late payments, or 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 aforementioned accounts, Late Payments, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payment, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am responding to your communication regarding the alleged debt referenced above. This letter is a formal request made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
This credit card company has not credited me with the XXXX value of {$200.00} for spending XXXX in XXXX  days. The best part is that they are giving new customers such low credit limits and then not lifting the credit available for XXXX business days. It makes it very difficult to spend money with this credit card by design. I have seen many complaints online of the same issue. 

I have been emailing the company for over a XXXX  without any response. It's really unfortunate because I was using their exchange to purchase XXXX until I started having issues with them. This is not the first time I have needed assistance getting ahold of them. 

I am owed {$200.00} and I will not stop contacting the CFPB or BBB or make complaints online until this is resolved. 

Did they every give away the XXXX? No idea... they don't respond. It appears that the promotions they offer and market are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX. I do not have a credit card XXXX. My mom put me as a authorized user on her card and I did not ask to be I need my own card XXXX. I am getting denied for inquiries when there are XXXX  XXXX on XXXX  from XXXX car dealer which I did not get and XXXX on XXXX  XXXX. They are XXXX  discriminating against me XXXX. They stopping all money in the economy to make it hard under 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 2025-09-10 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:
XXXX XXXX XXXX is inaccurately reporting a closed credit card account. On Experian and TransUnion, this account is listed as a charge-off and marked as discharged in bankruptcy. However, mXXXX XXXX report dated XX/XX/year>, shows the same account with {$0.00} balance, no late payments, and no derogatory status. 

This contradiction across the bureaus violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Additionally, reporting a bankruptcy discharge and a charge-off on the same account is duplicative derogatory reporting and misleads lenders. Once an account is discharged in XXXX XXXX XXXX it must not continue to report as a charge-off. 

I requested verification, but neither XXXX XXXXXXXX XXXX  nor the bureaus have produced original signed account records or payment history supporting this derogatory reporting. Under FCRA 611 ( a ), unverifiable information must be deleted.

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