vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Im filing this complaint because Citibanks response to my original CFPB case ( Ref # XXXX ) failed to address the actual issue and left inaccurate information on my credit report. 

On XX/XX/XXXX, Citi canceled my AutoPay after a {$95.00} payment failed due to an invalid account number. I was never notified by phone, email, app, or mail. As a result, I unknowingly missed payments from XXXX through XX/XX/XXXX. I only found out when a third-party collection agency contacted me on XX/XX/XXXX. That same day, I paid the full balance and closed the account. 

In their CFPB response, Citi falsely claimed my phone number was inactive. Ive had the same active number since XXXX. If Citi couldnt reach me, why did their collections team contact me instantly? Their claim is untrue and misleading. 

When I called to resolve this, a Citi representative stated, Its not our job to notify you if AutoPay is canceled. That call should be available in Citis internal logs. I requested call records and documentation, but Citi refused to provide anything without a subpoena. 

When I tried to re-enroll in AutoPay, their website failed. A rep confirmed the system was down and told me to try again later. 

Throughout this process, Citi has dodged all the facts I presented. Their response to my complaint was scripted and evasive. They ignored my core concern a lack of notification and instead repeated account activity Im not disputing. This is not about billing ; this is about a breakdown in communication, false claims, and refusal to take responsibility. 

I am requesting : XXXX. Citi acknowledge its failure to notify me of AutoPay cancellation XXXX. Citi issue a goodwill removal of late payments from XXXX XXXX XXXX. Written confirmation of these corrections

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 2025-07-12 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an item on my credit report from XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). It is currently listed as a repossession and I believe it to be inaccurate. 

Please provide full documentation verifying the repossession, including the original signed contract, proof of default, and legally required notices prior to repossession. If this information can not be verified, I respectfully request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 


Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an item on my credit report from XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). It is currently listed as a repossession and I believe it to be inaccurate. 

Please provide full documentation verifying the repossession, including the original signed contract, proof of default, and legally required notices prior to repossession. If this information can not be verified, I respectfully request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 


Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Student relief XXXX XXXX @ XXXX {$180.00} Sp student aid XXXX XXXX @ XXXX {$190.00} XXXX city innovations XXXX XXXX XXXX @ XXXX {$190.00} I sent in documents that my account had unauthorized charges, which my card was canceled XXXX XXXX. I had proof in my account of these charges. I do not know what investigations was actually done, however I just been receiving my disputes claims has been denied for a third time from these different student loan scammers. I clearly have XXXX student loan and I reached out to them personally about transactions being taken off my card and it was not them my student loan is on repayment plan at {$0.00} till XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I contacted navy Federal when I realized my account was compromised they had sent me out a new card I had not updated my username or password online yet like they told me to I was going to do that that I got locked out they're saying for a check as fraudt At the time I was overseas in XXXX My card was used in the US I can not be in two places at one time if I was overseas I have an airline ticket I have a stamp from the country I was in that I was not in the USA I have also went to the police station and me filed the police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Final Warning Failure of Experian, Equifax, and TransUnion to Properly Investigate and Correct Disputed Information I am submitting this complaint against Experian, Equifax, and TransUnion for their continued failure to resolve multiple disputes regarding inaccurate, incomplete, and potentially unverifiable information in my credit reports. Despite repeated submissionsincluding my most recent disputethey have not taken appropriate corrective action or complied with the legal requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Instead of fulfilling their duties under federal law, the bureaus have issued generic verified responses without providing the required method of verification under XXXX XXXX. XXXX ( a ) ( XXXX ). This failure is a direct violation of : XXXX U.S.C. XXXX ( a ) Requiring a reasonable reinvestigation of disputed items XXXX XXXX. XXXX ( b ) Requiring credit reporting agencies to ensure maximum possible accuracy Disputed Items Remaining Unresolved : Public Record ( Chapter XXXX Bankruptcy ) XXXX Case Number : XXXX Charge-Off Account XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Account XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Duplicate Incorrect XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Duplicate Incorrect Previous XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge-Off Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bureaus Have Failed to Provide : A detailed method of verification The name, title, and contact information of the furnishing entities Copies of documentation relied upon during the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: ND

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-12 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: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I attempted to dispute inaccurate information with the credit reporting agency. I sent out letters on XXXX XXXX XXXX XXXX demanding the credit bureau to further investigate this account and ensuring that this account is 100 % correct. They have failed to do so. This credit bureau has NOT provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) Under section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I attempted to dispute inaccurate information with the credit reporting agency. I sent out letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> demanding the credit bureau to further investigate this account and ensuring that this account is XXXX XXXX correct. They have failed to do so. This credit bureau has NOT provided me a copy of ANY original documentation required under section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) Under section XXXX ( XXXX ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified ''

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 2025-07-12 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: FL

Complaint narrative:
I am filing a formal complaint regarding an inaccurate account listed on my Experian credit report. The account in question is from XXXX ( secured loan opened on XX/XX/XXXX, reported closed in XXXX ). 
I dispute this account because it is not mine and I have no knowledge of it. During my review of the credit report, I identified a critical discrepancy : the address identification number associated with this account does not match the address ID on my file, which is linked to my verified residential address.Despite my dispute with Experian in XX/XX/XXXX, the account was only marked as " Updated, '' but not removed, even though there is no valid association between this account and my personal identifying information. This item is negatively impacting my credit due to late payments ( 60 and 30 days past due in XXXX ). 
I request the CFPB to assist in getting this account fully deleted from my credit file under the Fair Credit Reporting Act ( FCRA ), as Experian continues to furnish inaccurate and unverifiable data.

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 2025-07-12 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:
I do not live here : XXXX XXXX XXXX XXXX, GA XXXX. Please remove it from my credit report. Thank you!

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 2025-07-12 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: TX

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$2900.00} Late 30 days XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$2900.00} Late 30 days XX/XX/XXXX, XX/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 2025-07-12 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: TN

Complaint narrative:
TRANSUNION IS REPORTING INQUIRIES ON MY CREDIT REPORT THAT ARE FALSE AND FRAUDULENT!! TRANSUNION IS INTERFERING WITH ME PURCHASING A HOME ETC! Because there report inquiries that are not showing up on my report

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 2025-07-12 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: ND

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief