vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-26 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
For the last 4 months I have been trying to make additional payments to a balance transfer that is expiring on XX/XX/XXXX. The payment is not allocated to the intended debt it is instead allocated to another balance that expires in XXXX. I talked to customer service to re-allocate the payment to the appropriate balance but was told it was not possible. The previous time I called regarding this issue I was told that if I pay the amount owed plus {$41.00} that it would be applied to the intended balance. I did just that and again the payment was allocated to the wrong balance. Basically through these practices, Citi is making it impossible for me to pay off the debt expiring in XXXX to avoid paying interest. I asked customer service to escalate the call but was told by the supervisor that they were unable to re- allocate the payment and that there was no other person I could talk to to resolve the issue. I asked for a reference # and they were unable to provide that information.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EGL US, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, as my personal information has been used to open unauthorized loans and credit cards in my name. 

I was not aware of these accounts until I received notifications of account activity and credit report discrepancies. 

These fraudulent accounts were opened without my consent or knowledge, causing significant damage to my financial standing. 

I did not apply for or authorize any of the credit lines or loans associated with these accounts, and I request that all fraudulent accounts be investigated and removed from my credit report. I am taking all necessary steps to resolve this matter and protect my identity moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
I am disputing inaccurate late payment information reported on my credit file related to a closed revolving account with XXXX XXXX, XXXX. The account was opened on XX/XX/XXXX, with a credit limit of {$750.00} and a final reported balance of {$0.00}. The account was closed in good standing and is currently marked as Paid or paying as agreed. 

However, my credit report from MyScoreIQ shows late payments reported by TransUnion and XXXX for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, including 30, 60, and 90-day delinquencies. These delinquencies are inaccurate, as I made the required payments, and the account did not become past due. The account reflects no current past due balance and was last reported as active on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. 

These incorrect late payment notations are negatively affecting my credit standing. I have disputed the information directly with XXXX and the credit reporting agencies, and I am requesting immediate correction or deletion of the inaccurate payment history.

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 2025-06-26 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: AL

Complaint narrative:
I am disputing inaccurate late payment information reported on my credit file related to a closed revolving account with XXXX XXXX, XXXX. The account was opened on XX/XX/XXXX, with a credit limit of {$750.00} and a final reported balance of {$0.00}. The account was closed in good standing and is currently marked as Paid or paying as agreed. 

However, my credit report from XXXX shows late payments reported by XXXX and Equifax for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, including 30, 60, and 90-day delinquencies. These delinquencies are inaccurate, as I made the required payments, and the account did not become past due. The account reflects no current past due balance and was last reported as active on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. 

These incorrect late payment notations are negatively affecting my credit standing. I have disputed the information directly with XXXX and the credit reporting agencies, and I am requesting immediate correction or deletion of the inaccurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
I am submitting this statement in connection with a formal complaint against XXXX XXXX regarding the inaccurate reporting of a 30-day late payment for XX/XX/XXXX, which is now negatively impacting my credit. This derogatory reporting occurred despite my repeated good faith efforts to remain current on my account. 

In XXXX and XX/XX/XXXX, I was granted a payment deferment. At the time, my account was enrolled in autopay. However, I was never informed that the deferment would deactivate autopay. I only became aware of this change in XX/XX/XXXX, when I received notice of a missed payment. I immediately contacted XXXX, made the payment, and re-enrolled in autopay. 

In XX/XX/XXXX, I again received a late notice to even though my account was on autopay. When attempting to make a payment through XXXX online system, I experienced technical issues and was forced to complete the payment manually by phone. I again confirmed autopay had been reactivated. 

On or around XX/XX/XXXX, I was notified that I was over 30 days past due for the XXXX payment. I had received no prior warning of this issue and had relied on the belief that autopay was functioning. XXXX online platform continued to display no payment due during this time, including on and after the due date, which created confusion and directly contributed to the delinquency. 

This pattern of inadequate disclosure, misleading online information, and lack of timely notice raises serious compliance concerns. I believe XXXX actions violate the following : Truth in Lending Act ( TILA ) : for failure to clearly and accurately disclose billing and payment information. 

Fair Credit Reporting Act ( FCRA ) : for reporting inaccurate credit information without reasonable investigation or notice. 

CFPBs UDAAP Standards : for deceptive practices that mislead borrowers about their payment obligations and account status. 

As a result, I have suffered damage to my credit score, increased borrowing risk, denied credit, and unnecessary emotional stress and time lost. I respectfully request that the 30-day late payment for XX/XX/XXXX be removed from my credit reports, and that XXXX XXXX XXXX XXXX accountable for its misleading practices and lack of compliance with federal 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 non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
I am submitting this statement in connection with a formal complaint against XXXX XXXX regarding the inaccurate reporting of a 30-day late payment for XX/XX/XXXX, which is now negatively impacting my credit. This derogatory reporting occurred despite my repeated good faith efforts to remain current on my account. 

In XXXX and XX/XX/XXXX, I was granted a payment deferment. At the time, my account was enrolled in autopay. However, I was never informed that the deferment would deactivate autopay. I only became aware of this change in XX/XX/XXXX, when I received notice of a missed payment. I immediately contacted XXXX, made the payment, and re-enrolled in autopay. 

In XX/XX/XXXX, I again received a late notice to even though my account was on autopay. When attempting to make a payment through XXXX online system, I experienced technical issues and was forced to complete the payment manually by phone. I again confirmed autopay had been reactivated. 

On or around XX/XX/XXXX, I was notified that I was over 30 days past due for the XXXX payment. I had received no prior warning of this issue and had relied on the belief that autopay was functioning. XXXX online platform continued to display no payment due during this time, including on and after the due date, which created confusion and directly contributed to the delinquency. 

This pattern of inadequate disclosure, misleading online information, and lack of timely notice raises serious compliance concerns. I believe XXXX actions violate the following : Truth in Lending Act ( TILA ) : for failure to clearly and accurately disclose billing and payment information. 

Fair Credit Reporting Act ( FCRA ) : for reporting inaccurate credit information without reasonable investigation or notice.

CFPBs UDAAP Standards : for deceptive practices that mislead borrowers about their payment obligations and account status. 

As a result, I have suffered damage to my credit score, increased borrowing risk, denied credit, and unnecessary emotional stress and time lost. I respectfully request that the XXXX late payment for XX/XX/XXXX be removed from my credit reports, and that XXXX XXXX XXXX XXXX accountable for its misleading practices and lack of compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
I am submitting this statement in connection with a formal complaint against XXXX XXXX regarding the inaccurate reporting of a 30-day late payment for XX/XX/XXXX, which is now negatively impacting my credit. This derogatory reporting occurred despite my repeated good faith efforts to remain current on my account. 

In XXXX and XX/XX/XXXX, I was granted a payment deferment. At the time, my account was enrolled in autopay. However, I was never informed that the deferment would deactivate autopay. I only became aware of this change in XX/XX/XXXX, when I received notice of a missed payment. I immediately contacted XXXX, made the payment, and re-enrolled in autopay. 

In XX/XX/XXXX, I again received a late notice to even though my account was on autopay. When attempting to make a payment through XXXX online system, I experienced technical issues and was forced to complete the payment manually by phone. I again confirmed autopay had been reactivated. 

On or around XX/XX/XXXX, I was notified that I was over 30 days past due for the XXXX payment. I had received no prior warning of this issue and had relied on the belief that autopay was functioning. XXXX online platform continued to display no payment due during this time, including on and after the due date, which created confusion and directly contributed to the delinquency. 

This pattern of inadequate disclosure, misleading online information, and lack of timely notice raises serious compliance concerns. I believe XXXX actions violate the following : Truth in Lending Act ( TILA ) : for failure to clearly and accurately disclose billing and payment information. 

Fair Credit Reporting Act ( FCRA ) : for reporting inaccurate credit information without reasonable investigation or notice. 

CFPBs UDAAP Standards : for deceptive practices that mislead borrowers about their payment obligations and account status. 

As a result, I have suffered damage to my credit score, increased borrowing risk, denied credit, and unnecessary emotional stress and time lost. I respectfully request that the 30-day late payment for XX/XX/XXXX be removed from my credit reports, and that XXXX XXXX be held accountable for its misleading practices and lack of compliance with federal 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