vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-26 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:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you EXPERIAN HAS FAILED TO BLOCK AND PROVIDE VALIDATION BY LAW AND ALL ORIGINAL WET INK SIGNATURES

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 2025-08-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Open a CD on XX/XX/year>, for {$1100.00} with Citibank. Account ending in # XXXX. Receive written notification to my address dated XX/XX/year>, CD coming up for maturity XX/XX/year>. I contacted Citibank and requested funds to be mailed to me on XXXX XXXX it's now XXXX XXXX. I have file to complaints over the phone and on their App with no follow up on their part. On XX/XX/year>, I physically went to an office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I address the issue with XXXX XXXX XXXX. she to was XXXX the phone to obtain a resolution. After more than an hour I had to leave do to medical issues and was told by XXXX XXXX she will call me. After XXXX more days and me leaving her massages, she responded that funds were disperse on XX/XX/year>. She had generated a stop payment and had requested a re-issuance of a check. I have verified my address is correct. At this point it's been XXXX  days since my CD was closed. please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
am filing this follow-up complaint against Self because their response dated XX/XX/year>, was legally insufficient. 
Self claims that late payments on my XXXX XXXX XXXX XXXX XXXX XXXX  and Secured Credit Card ( SCC ) were reported accurately but failed to provide actual evidence such as signed agreements, account statements, billing records, or payment history. Instead, they gave a generic system summary, which does not satisfy their legal obligations under federal law. 
Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information it knows or should know is inaccurate. Reporting late payments without providing proof of missed payments violates this section. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Upon receiving notice of a dispute, a furnisher must conduct a reasonable investigation and provide evidence supporting the accuracy of the information. Self has not done so.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to reinvestigate disputed information. Selfs reliance on vague system summaries without proof shows their reinvestigation was inadequate.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies and furnishers must ensure maximum possible accuracy. Failing to provide evidence of actual late payments demonstrates noncompliance. 
Deficiency in Selfs Response Selfs letter states that late payments were reported accurately based on system records. However : They did not provide copies of billing statements showing the exact due date and payment amount allegedly missed. 
They did not provide proof of any notice sent to me prior to reporting the late payments. 
They did not provide payment transaction records showing when payments were made and how they were applied. 
Without this evidence, their reporting can not be considered accurate or verifiable under the FCRA. A system note is not legally sufficient proof of delinquency. 
Requested Action I am demanding that the CFPB require Self to : Immediately remove all reported late payments from my credit reports with XXXX XXXX XXXX XXXX unless they can provide full documentary evidence ( statements, payment history, contracts ). 
Provide written proof of deletion to both myself and the credit bureaus. 
Cease any further reporting of late payments unless legally verifiable records are produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reported a duplicate or unauthorized transaction. I sent a friend XXXX dollars, and it came out of my account 2 times. The receiving person stated they did not receive a second payment. I only sent the payment once, but it came out of my account twice. XXXX refused responsibility, marked one of the transactions as fraud, and then told me to reach out to my bank. My bank closed my dispute stating there was no fraud or duplicate transaction. I have stated several times that I didnt not authorize the second payment and the recipient states he did not receive a second payment. Either navy federal or XXXX is stealing from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/year>, I received a text message indicating an attempted purchase of {$790.00} on a Best Buy Card ending in # XXXX. I responded immediately via phone and reported that I had never authorized a Citi Best Buy Credit Card and wished to initiate a fraud report. During the call I was alerted that another charge of {$1500.00} successfully occurred on XX/XX/year>. Although I was calling to report the fraudulent Credit application, my account was simply closed. 

XXXX weeks after my initial report I received a statement. I contacted Best Buy to determine the status of the initial report made on XX/XX/year>, and was told no fraud report had been initiated, only that the account was closed. 

I then received verification from each of the XXXX credit reporting agencies that the account was removed from my credit report. 

I then received a letter from Best Buy indicating the investigation was complete and the fraud claim denied. No information had been requested from me regarding the 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Category : Bank account or service Debit card dispute Complaint : I am filing a complaint regarding Wells Fargos handling of a debit card dispute ( case numbers XXXX and XXXX ). 

On [ date you booked ], I booked a hotel through XXXX for same-day check-in. XXXX system booked me for a different date than requested. I never stayed at the hotel for that booking. I was forced to rebook the same hotel for the correct date at an additional cost of approximately {$50.00} more. 

I also purchased XXXX travel insurance coverage for the booking to protect against situations like this, yet neither XXXX nor the insurance provider refunded me despite proof that I never stayed for the original booking date. 

I disputed the original {$140.00} charge with Wells Fargo under the grounds of Services Not Provided / Merchandise Not Received ( XXXX reason code XXXX ). I provided proof that : I did not check in or stay at the hotel for the first booking. 

I rebooked for the same hotel on the correct date, paying a second time. 

I had travel insurance that should have applied. 

Wells Fargo denied my claim, citing that the merchant had a non-refundable policy. However, a cancellation policy is irrelevant when services were never provided. Under XXXX  chargeback rules, a services not rendered claim is valid even when the merchant has a no-refund policy. The bank misclassified my dispute as a cancellation instead of a services not provided claim. 

Under XXXX  dispute rules, specifically reason code XXXX ( Services Not Provided / Merchandise Not Received ), I am entitled to a refund for the charge because I did not receive the service I paid for I never stayed at the hotel for the original booking date. 

Wells Fargo failed to properly apply XXXX  chargeback protections and did not take into account my purchased insurance coverage. I am seeking : A reversal of the {$140.00} charge. 

Proper handling of the dispute under services not rendered rules. 

Consideration of the fact that I purchased insurance for the booking. 

I have documentation, including the second booking receipt, proof of travel insurance, and hotel records showing I did not stay on the date of the original booking. Wells Fargo has ignored these facts in favor of the merchants policy. 

When Wells Fargo processed the {$140.00} charge for the incorrect booking, it caused my account to go into a negative balance, creating additional inconvenience and financial stress. 

I request the CFPBs assistance in ensuring this dispute is handled correctly and that Wells Fargo follows XXXX dispute regulations

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 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Apartment unit caught on fire on XX/XX/year> I was then removed and told I would not receive my housing back however I was on government contract so the apartments were obligated to notify the XXXX XXXX ( payments belong to ) I offered my renewal from the apartments which showed ( XXXX XXXX XXXX ) pays my rent.the XXXX  XXXX declined, which resulted in the the XXXX XXXX stopping rent payments due to me being removed from the property, now the collection agency has charged 6 months of rent on my credit report I never lived in the unit those 6 months, this is the XXXX time nation credit systems is messing with my credit first it was apartment keys, then it was {$600.00} for a dresser, now Im being charged rent for a unit I was removed from.they are illegally seizing rent from an vacanted apartment uploaded you will find the updated contract months before the fire happened, I was removed XX/XX/year> from the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX Creditor Name : XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
On XX/XX/XXXX I disputed XXXX accounts on my Equifax credit report. They were loans from my former credit union XXXX XXXX XXXX XXXX. In XXXX of XXXX XXXX XXXX XXXX XXXX was dissolved and taken over by XXXX XXXX XXXX XXXX. On my personal Equifax credit account, it is listing that I had loan accounts with both XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. 
As I explained to Equifax, I did not have accounts with XXXX XXXX and need for them to delete those accounts. 
The initial loan that is being reported on Equifax is a loan with XXXX XXXX AND Georgias Own are being listed simultaneously also as opened on the same day and date. 
The second loan is also being reported as being opened on the same day and date both with XXXX  and Georgias Own. 
This is not possible since XXXX XXXX didn't take over XXXX XXXX until XXXX of XXXX. 
Attached is the letter that I sent below with all dates and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
The following inquiries do not belong to me, and I did not authorize them. I would like them deleted from my consumer report. XXXX XXXX XXXX XXXX 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Multiple phone calls to my phone. I attempted to speak to them varies times. Last phone call was XX/XX/year>. They even called my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-26 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: CA

Complaint narrative:
I am writing to dispute a late payment reported on my account. My payment history clearly demonstrates that all payments were made on time, making this entry inaccurate. The reporting of false information is damaging to my credit profile and must be corrected immediately.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
These agencies are violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collections on my consumer report recently. I have made several attempts to fix these issues with them, and they are violating my rights. I'm entitled to {$1000.00} for every violation listed. They need to either pay me or delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
ou have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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