vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
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 on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint regarding a Citibank credit card account reporting on my XXXX  credit report with a balance of {$2400.00} and a past due amount of {$750.00}. The account number begins with XXXX, but I do not have access to the full account number. I am concerned about major violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

First, I submitted a dispute online to XXXX  on XX/XX/XXXX, because the account was missing payment history for XXXX and XX/XX/XXXX. XXXX  marked the dispute as " verified, '' but shortly after that, Citibank quietly updated the missing months after the dispute was closed. This is illegal under FCRA 611, which requires all data corrections to occur during the dispute period. 

Because of this, I mailed a formal reinvestigation letter to XXXX  on XX/XX/XXXX, requesting deletion of the tradeline due to failure to investigate properly and for additional concerns. XXXX  marked the dispute resolved by XX/XX/XXXX just two days later making it impossible they received, reviewed, and properly investigated my mailed dispute. This is clear evidence of a sham investigation, which directly violates my rights. 

Furthermore, this Citibank account continues to report a growing past due balance of {$750.00}, even though the account is charged off. This is a violation of XXXX XXXX guidelines, which prohibit past due balances from increasing once an account is charged off unless there is a new agreement, which there is not. 

In addition, Citibank continues to report monthly charge-off notations ( " CO '' ), which misrepresents the true status of the debt and can amount to re-aging, another FCRA violation .

I have never received any documentation verifying this information as accurate or current.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025, I was the victim of a scam involving someone impersonating a deputy from the XXXX XXXX XXXX XXXX. I was told I had missed jury duty and that a warrant had been issued for my arrest. The impersonator claimed I had signed a summons agreeing to appear in court, which I never did. They sent me an official-looking PDF citation and said I would be arrested unless I paid immediately. 

I was told I could come to the sheriffs office for a signature analysis to clear my name but only after making the payment. I was warned that if I entered the sheriffs office before paying, I would be immediately arrested, and that the warrant overrode any courtesy protocol. I was also told I could not tell anyone about the investigation or Id be charged with interfering and arrested. 

Believing I was facing jail, I sent the payment. I only had {$1200.00} in my USAA account and had to ask my father for help to cover the rest. I later learned this scam is publicly listed as an alert on the sheriffs website. In total, I lost {$1400.00} from my USAA account. 

I reported the scam to USAA the same day, submitted extensive documentation including the PDF citation, the sheriff 's confirmation that no warrant existed, a parking receipt from my visit to the sheriffs office, text messages with my father showing my emotional state, and screenshots of the scam warning on the sheriffs site. 

USAA initially issued a temporary credit but later denied my dispute, stating the charge was for goods and services. However, I was not purchasing any goods or servicesI believed I was paying to freeze a warrant and avoid arrest. This was not a typical authorized transactionit was made under coercion, fear, and deception. 

I am asking the CFPB to assist in reviewing USAAs decision, as I believe the denial does not accurately reflect the nature of the transaction or the context in which it was made.

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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from 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 2025-05-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUST has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AL

Complaint narrative:
I asked transunion to remove inaccurate information on my credit report, such as names, addresses, phone numbers, and fraudulent accounts. I also asked for their method of verification on all those fraudulent accounts, names, and addresses. My data has been leaked several times within the last 4 years, and several accounts were opened in my name, or some were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am sending this complaint to PORTFOLIO RC Original creditor XXXX XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I see that the company UCB put a derogatory mark on my credit report about an old medical bill, and didnt even attempt to communicate with me about this. I wish I could have a phone number with them, so we settle that debt, but they just went to report that to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 
ACCOUNT NAME : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : DP OF EDUC ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-27 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: TX

Complaint narrative:
The account XXXXXXXX XXXX XXXX XXXX XXXX listed from XXXX has an incomplete billing history and needs to be removed ASAP

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 2025-05-27 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies reported by XXXX XXXX on my Equifax and Experian credit reports. This account is being reported with a series of inconsistent and inaccurate details, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F. 

Here are the specific issues : - The account is marked as being in repossession, yet a highest balance is being reported. These statuses are contradictory. 
- The term is inaccurately reported as XXXX months, which is incorrect based on the original loan agreement. 
- The payment history shows only XXXX XXXX of payments on time, which is a false and damaging statistic. 
- The worst payment status is listed as No Info, while simultaneously displaying a payment history chart indicating derogatory payment patterns an inconsistency that violates FCRA standards for accuracy. 
- The late payments are listed as XXXX for XXXX days late, which is factually incorrect. 
- The data reported to Equifax and Experian differs significantly from that reported to XXXX further proving that the information is not consistent, accurate, or verifiable. 

These inconsistencies violate : - FCRA XXXX ( a ) : Furnishers must not report inaccurate information. 
- FCRA XXXX ( b ) : Upon notice of dispute, furnishers must investigate and correct or delete inaccurate information. 
- FCRA XXXX ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 
- Regulation F XXXX ( a ) : Prohibits furnishing information in a way that is misleading, incomplete, or deceptive. 

Due to the extent and severity of these inaccuracies, I am requesting that Equifax and Experian immediately launch a reinvestigation into this account and remove it from my credit report if it can not be verified with accurate and consistent data across all three major bureaus. 

Please provide written confirmation of your findings and actions taken as a result of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
I have been calling them for over a week, left multiple messages, and they have failed to answer any of the XXXX times I have called, nor returned my phone call. They're trying to collect a debt from roughly XXXX years ago that I had forgotten about, and just received paperwork stating they're going to garnish my wages, which I can't afford to have happen, but I have worked tirelessly to pay off any past debts over the last few years and also dont want to try to ignore this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-27 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-27 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:
Dear Credit Bureaus Legal Team : I am submitting a formal FCRA complaint against all three major credit bureaus ( Equifax, Experian, and TransUnion ) for continuing to report multiple tradelines that are inaccurate, incomplete, and legally noncompliant under federal law. 

The following accounts are in dispute and contain systemic violations of the FCRA : XXXX XXXX ( Acct : XXXX ) Reporting conflicting balances ( $ 265/ {$240.00} ), invalid late statuses, and inaccurate payment history. 

XXXX XXXX XXXX Acct : XXXX ) Incorrect late payment data and misleading current status. 

XXXX XXXX ( Acct : XXXX ) Balance is {$0.00} but marked as late. 

XXXX XXXX ( Acct : XXXX ) Charge-off still reported despite a {$0.00} balance. 

XXXX XXXX ( Acct : XXXX ) Settled for less than full balance ; still reporting derogatory status. 

Violations include : FCRA XXXX ( b ) : Failure to maintain accurate and complete data FCRA XXXX ( a ) : Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) : Failure of furnishers to update or correct information after disputes FCRA XXXX ( c ) : Failure to report accounts as disputed CFPB Bulletin XXXX : Bureaus must do more than parrot data from furnishers Despite my disputes, these accounts remain with factual inaccuracies, such as invalid balances, incorrect dates, and improper status codes. No evidence of independent reinvestigation was provided. This conduct is illegal under Cushman v. TransUnion, Dennis v. BEH-1, and multiple other federal decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received this earlier today. 
I do not know the person, company or what the amount is for. 
Please investigate : XXXX Transcript from For XX/XX/XXXX and XXXX XXXX XXXX XXXX Transcript from For XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX ID : XXXX Support No. : XXXX ( XXXX ) XXXX The transaction amount of {$420.00} USD is complete suocessfuly. 
Registration ID : XXXX, Thank you for your order with PayPal. Your order has been successfully placed. 
We hope you are as excited as we are! 
The charges will be shown soon in your recent activity. 
Product Description Order ID : tem Name : Order Date : Amount : Payment Method : XXXX ( XXXX ) XXXX, XX/XX/XXXX {$420.00} Auto-debit from your bank account If you did not approve this charge, you have 24 hours to do so. 

Please contact our customer care to cancel and receive an instant refund for your membership. 

You can reach us at our toll-free number : XXXX ( XXXX ) XXXX Regards, Billing Department Do not rep y to this email, as it is on automator email generated by the payment system. 

For assistance, reach customer support directly. 
All Rights Reserved | Copyrights XXXX  | We Aocepts All Major Platforms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Both Macys/Citibank and THD/CBNA are reporting accounts to my credit profile of which they aren't willing to send any proof of these accounts.

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