vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I initiated a balance transfer through XXXX XXXX  XXXX XXXX XXXX XXXX ) to transfer a balance of {$3700.00} on my XXXX XXXX to my XXXX XXXX XXXX card the beginning of XXXX and it was approved on XX/XX/XXXX. XXXX confirmed the transfer was complete on XX/XX/XXXX, but the payment went to Citibank with my XXXX XXXX account number. The XXXX XXXX is associated with XXXX. I called XXXX XXXX and they said I needed to contact XXXX. I contacted XXXX and they could not help, but they are going to send a hard copy of the cashed check to try and get the funds back from Citibank. I called Citibank and they said they could not help me because i did not have an account number.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Your Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : Monday, XX/XX/2025 To : XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX. Gurstel Law Firm , P.C . 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Debt Validation & {$500.00} Settlement Demand Account Ending in XXXX / Case XXXX Letter Body : XXXX I am writing regarding the above-referenced account. I acknowledge receipt of the XXXX pages of statements, which do not meet the legal requirements for proper debt validation under federal and California law. Providing voluminous statements without proof of ownership, original contracts, or accurate accounting is insufficient, misleading, and unlawful. 

Under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and California Rosenthal Act, you are required to : 1. Prove legal ownership of the debt 2. Provide the original XXXX account statements and contracts 3. Supply a complete and accurate payment history I have filed CFPB complaints ( Ref : XXXX, XXXX ) regarding fraudulent charges, improper reporting, and continued collection efforts without validation. These complaints document the ongoing violations and your failure to act lawfully. 

Settlement Offer : While proper validation is still pending, I am prepared to resolve this matter immediately with a lump-sum payment of {$500.00}, contingent upon : Written confirmation that the payment fully satisfies the debt Credit reporting agencies updating the account to Paid in Full or Settled in Full Cessation of all collection activity This offer is made without admitting liability. Any further collection, reporting, or litigation without proper validation will be considered a direct violation of federal and state law. I am prepared to escalate to CFPB, FTC, the California Attorney General, and all available legal enforcement mechanisms if necessary. 

Court Notice : I am aware that the account is in litigation under Case XXXX, filed XX/XX/2025, in the XXXX XXXX XXXX California, XXXX XXXX. Any attempt to serve me improperly or pursue collection without validation will be treated as unlawful and actionable. 

Please respond in writing within 30 days ( by XX/XX/2025 ) : Confirm receipt of this letter Provide proper debt validation Confirm acceptance of the {$500.00} settlement and cessation of all collection activity Failure to respond appropriately will leave me with no choice but to pursue all available legal and regulatory remedies to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I have gone back and forth with XXXX XXXX for the information to be reflected on my credit report. It was provided to the credit bureaus but it is still incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I have gone back and forth with XXXX XXXX for the information to be reflected on my credit report. It was provided to the credit bureaus but it is still incorrect on my credit 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 non-monetary relief
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I am writing to follow up on my previous dispute concerning the credit reporting practices of XXXX XXXX XXXX XXXX. Specifically, I am concerned with the illegal re-aging of accounts and the improper reporting of post-charge-off payment history. All three bureaus stated this came back as verified. I believe XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) with respect to the following accounts : Account # XXXX : XXXX, charged off in XX/XX/XXXX Account # XXXX : XXXX, charged off in XX/XX/XXXX Please provide the names, titles, and addresses of those you verified this with, and send an updated copy of my credit report after the reinvestigation. If any of this can not be provided, please ensure deletion of these accounts off my credit reports. 
CFPB tickets : XXXX, XXXX, XXXX, submitted XX/XX/XXXX Violation : Illegal Re-Aging of Accounts It has come to my attention that both of the above accounts are being reported with new " charge-off '' status updates every month. According to the FCRA, once an account is charged off, the delinquency date should remain fixed and no further updates regarding the charge-off status should be made. This practice of updating the charge-off status every month is considered " re-aging, '' which artificially extends how long the negative information stays on my credit report. This re-aging is a violation of my rights under the FCRA. 
Violation : Post-Charge-Off Payment Reporting Additionally, after the charge-off dates for both of these accounts, XXXX XXXX XXXX XXXX has continued to report payment history, including on-time payments and late payments. Once an account is charged off, no further payment history should be reported. Any reporting of payments after the charge-off date violates proper credit reporting procedures and the guidelines outlined by the FCRA. This continued reporting is misleading and detrimental to my credit score and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CO

Complaint narrative:
In accordance with federal law, 15 U.S. Code 1681g, you are to delete the accounts in question within 15 days.

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 2025-09-22 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: IL

Complaint narrative:
I am submitting this dispute because unauthorized accounts have been added to my credit report. I did not create or authorize these accounts, and I received no notification of their inclusion. Furthermore, the information shown varies between the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring maximum accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be promptly investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete disclosure of all information in my 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 2025-09-22 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
On XX/XX/2025, my TransUnion credit report began showing a XXXX XXXX  account as Past Due : {$380.00} 30 Days Late. This is inaccurate because I already paid this account in full, and the current balance is {$0.00}. 
I contacted XXXX XXXX and requested verification and correction, but the account is still being reported as past due. Reporting a late payment on a fully paid account is misleading and violates the Fair Credit Reporting Acts requirement for accurate and complete reporting.

This error has lowered my credit score by XXXX points at a critical moment, as I am in the process of purchasing a home. I am requesting that the account be updated to reflect : Balance : {$0.00} Status : Paid/Closed No delinquency reported If the late payment can not be verified as accurate, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-22 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I noticed an alert on my credit report. It appears that a student loan ( XXXX ) was placed into default. I received no formal notification of any kind that this was going to happen. I contacted the collector and payed off the balance. I asked if they would remove the late payments and default off my report they refused. I dont understand how this can be legal if I was never notified of anything regarding this loan thats almost XXXX XXXX XXXX. They had all incorrect contact information for me. I just want my credit report to be fixed. I thought a formal notification was required before sending anything to a credit bureau. Extremely unfair trying to buy a new home and this just ruined it over {$500.00} student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I am writing to follow up on my previous dispute concerning the credit reporting practices of XXXX XXXX XXXX XXXX. Specifically, I am concerned with the illegal re-aging of accounts and the improper reporting of post-charge-off payment history. All three bureaus stated this came back as verified. I believe XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) with respect to the following accounts : Account # XXXX : XXXX, charged off in XX/XX/XXXX Account # XXXX : XXXX, charged off in XX/XX/XXXX Please provide the names, titles, and addresses of those you verified this with, and send an updated copy of my credit report after the reinvestigation. If any of this can not be provided, please ensure deletion of these accounts off my credit reports. 
CFPB tickets : XXXX, XXXX, XXXX, submitted XX/XX/XXXX Violation : Illegal Re-Aging of Accounts It has come to my attention that both of the above accounts are being reported with new " charge-off '' status updates every month. According to the FCRA, once an account is charged off, the delinquency date should remain fixed and no further updates regarding the charge-off status should be made. This practice of updating the charge-off status every month is considered " re-aging, '' which artificially extends how long the negative information stays on my credit report. This re-aging is a violation of my rights under the FCRA. 
Violation : Post-Charge-Off Payment Reporting Additionally, after the charge-off dates for both of these accounts, XXXX XXXX XXXX XXXX has continued to report payment history, including on-time payments and late payments. Once an account is charged off, no further payment history should be reported. Any reporting of payments after the charge-off date violates proper credit reporting procedures and the guidelines outlined by the FCRA. This continued reporting is misleading and detrimental to my credit score and overall creditworthiness.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Issue : ATM deposit cash retained but not credited to account. 

What happened : On XX/XX/year>, at XXXXXX/XX/XXXX, I attempted to deposit {$430.00} in cash at the Capital One XXXX XXXX ATM located at XXXX XXXXXX/XX/XXXXXXXX ( Terminal XXXX ). 

The ATM accepted the bills but then displayed an error message : There was a problem and your cash has been retained. Your transaction has been canceled. Please contact your financial institution for assistance. 

The receipt I received shows Unable to deposit cash to your Checking Account Deposited : {$0.00}, even though the ATM physically kept my cash. 

I immediately contacted Capital One and filed a claim ( Claim Number : XXXX ). I also called the phone number listed on the ATM, and they created another report ( Claim Number : XXXX ). 

Capital One informed me that the funds may only be provisionally credited after 10 business days. However, I deposited this money specifically to pay my rent, and I urgently need access to these funds. Waiting 10 business days creates severe financial hardship. 

Why I am filing this complaint : I deposited {$430.00}, and the ATM retained my cash. 
Capital One has not provided me with immediate provisional credit. 
I urgently need access to these funds to pay my rent and essential expenses. 
This delay is unreasonable for an error caused by their ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
Please remove the disputed accounts within 15 days as required by 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Global Lending Services LLC
State: SC

Complaint narrative:
Upon a recent review of my credit report, I identified a hard inquiry listed. I am formally disputing this entry as unauthorized and request immediate removal from my credit file.

Under FCRA 604 and 607, no organization may access or obtain my credit i without aria credit written, and verifiable authorization. I have no record of applying for credit, services, or initiating any transaction that would justify a hard inquiry from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal is holding a {$7000.00} payment from my client for a remodel. He has confirmed receipt of services and I have provided PayPal photos. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am writing to formally dispute several accounts on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This federal statute gives consumers the right to request the blocking of information that is the result of identity theft. 

I was a confirmed victim of identity theft as a result of the Equifax data breach, which compromised the personal information of over 140 million Americans, including my own. Since that incident, I have experienced ongoing issues with fraudulent accounts appearing on my credit report. 

The following accounts were opened or used without my knowledge or authorization. I am requesting that you block these accounts from my credit report and notify the respective data furnishers as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX  - Acct XXXX XXXXXXXX Supporting Documentation Attached : A copy of my government-issued ID Proof of my current address A copy of the credit report with the accounts Under 15 U.S.C. 1681c-2, you are required to block this information within four business days of receipt of this letter and documentation. Please confirm in writing once the block has been applied or notify me if additional information is required. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief