vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

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 2025-11-19 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: LA

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: AZ

Complaint narrative:
I was told my loan origination fee was 7 % and the loan amount was {$3100.00}. I am now being told I need to pay back an additional {$2000.00} on top on the 7 % loan origination fee and the {$3100.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I was approved for a Citi Shop Your Way XXXX ( now known as the Citi XXXX XXXX XXXX ) on XX/XX/year>. The card had a publicly available sign-up bonus with the following terms : " Earn a {$75.00} statement credit for every {$500.00} spent, up to {$220.00}, on eligible purchases [ ... ] in the first 90 days after you are approved for a new Shop Your Way XXXX. '' I have made over {$2500.00} in purchases in the first 90 days, however, I only received a single {$75.00} statement credit on my XX/XX/year>XXXX  statement. 

I have attempted to contact Citi by secure message ( online ) in XXXX and XXXX, however, these messages refused to answer my question regarding the bonus. I was told to contact customer support by phone. The Citi website has migrated to a new location, and copies of these messages are no longer available. 

I have contacted customer support by phone in XX/XX/year> and again on XX/XX/year>. In XXXX, I was told by a supervisor that the issue would be investigated. During my call on XX/XX/XXXX, I was told that the issue would be investigated again. The representative then placed me on hold and ended the call. No resolution or communication regarding the offer has been provided.

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 2025-11-19 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
Company : XXXX  XXXX Atlanticus Services Corporation Issue : Misrepresentation of credit limit and fees Complaint : I applied for a XXXXXXXX XXXX XXXX based on the representation that I would receive a {$3000.00} credit limit. After approval, XXXX  issued me only a {$200.00} limit and immediately charged a {$99.00} annual fee that I did not agree to. 

This is a deceptive and misleading practice. When I requested the fee to be removed and the account to be closed, XXXX  refused. I am requesting the CFPBs assistance to have the {$99.00} fee removed, the account closed with a {$0.00} balance, and the account reported as closed at consumers request..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mortgage account ( # XXXX ) with Truist Bank was in an approved loan modification during XXXX and XX/XX/year>. During this period, Truist reported my account to all three credit bureaus as 180+ days delinquent, which is a violation of the CARES Act Section 4021. 

CRITICAL EVIDENCE : During XXXX and XX/XX/year>, I made multiple recorded phone calls to Truist 's customer service and home preservation departments. On these calls, I specifically told them that my credit report was showing a 180+ day delinquency reported by Truist . On EVERY call, Truist representatives told me : " Your account is current, '' " Your account is not late, '' and " No payment is due during the loan modification. '' This proves Truist had actual knowledge that the credit reporting was false, yet they continued to report it anyway. 

I disputed this error with Truist twice : XXXX. XX/XX/year> : Truist sent a denial letter ( Case ID XXXX ) that failed to address the loan modification or CARES Act obligations. 

XXXX. XX/XX/year> : Truist called me at XXXXXXXX XXXX EST to verbally deny my claim again, stating the reporting was " accurate. '' They refused to review their own recorded calls from XXXX XXXX. When I requested to speak with a supervisor, they refused to transfer me. 

I have also sent Truist a formal Request for Information under RESPA demanding they produce the recorded calls, which they are required to do within 30 days.

ACTUAL DAMAGES : This inaccurate reporting is preventing me from obtaining real estate loans for my business. Lenders are denying my applications specifically because of the 180+ day mortgage delinquency on my credit report. 

I made a payment on XX/XX/year>, which Truist accepted, further proving the account was not delinquent. My first payment under the approved loan modification was XX/XX/year>, and I have made all payments since then. My account is currently in good standing.

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 2025-11-19 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information on my XXXX  credit report. Below are the accounts I believe to be inaccurately reported : Inquiries : 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 explanation
Consumer complaint received 2025-11-19 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:
Can you check this? I worked on it late and may have made mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I have been using remitly for 5 years now and I made a money transfer through Remitly on XX/XX/year>XXXX  to XXXX XXXX in XXXX. The app showed the transfer as delivered, but the recipient never received the money. 
I have been contacting Remitly Customer Service since. Its been more than 1 month now and they keep saying the issue is due to incorrect one digit of the account number. This explanation does not make any sense and is misleading because only one digit of the account number was wrong while the name, XXXX code and all other details were correct. Also, this is not the first time I am making money transfer to this person, I have been doing it for a while now. 
Despite this, the funds disappeared and were not recovered, which should not happen. 
Just with one small digit of the account number, it is wrong that they can just make the transfer to some other person while the name, XXXX code and other details belong to the other person. 
I have been trying to resolve this for a long time without any success. 
I am requesting a full refund and a detailed investigation into where my money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law.

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA 15 U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Take this demand seriously and act immediately. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-11-19 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: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-19 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested via letter for validation of this account, after explaining to said company that I was not the person who opened this account and I was incarcerated at the time of opening. The company failed to respond to the Validation letter. Thereafter, The company denied my allegation stating verified. I then requested the method of verification and the company failed respond. 
After 90 days, I requested that the delinquent account be removed from my credit report to no avail.

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 2025-11-19 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
Hi my name is XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. * * Pursuant to 15 U.S.C. 1681b ( A ) ( 2 ) * *, I never gave you written instructions to report this on my report so why are you? You are illegally reporting and sharing my personal information without my explicit authorization. * * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it. 

* * Under 18 U.S.C. 8 * *, the term obligation or other security of the United States. I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. 

I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Account Name : XXXXXXXX XXXX XXXX When This Account Opened : Account Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made an online transfer of XXXX from my linked XXXX XXXX  to chase XX/XX/XXXX. I received a verification call shortly and I got verified. 6 days later XX/XX/XXXX I got another verification call from chase, They got me verified then told me the transfer is cancelled and told me it is cancelled by XXXX XXXX. that is a lie, I called XXXX XXXX  and they said they never cancel any transfer request from chase. Chase failed to make the requested transfer with no excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with explanation