vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX subscription and received dog food on XX/XX/XXXX and trying to return the food and unable to return it and disputed the transaction with Citi Bank. 
The reason I wanted to return the product was that my pet stopped eating the dog food sent by XXXX. As per the attached return policy XXXX is allowed to return the food if the dog doesn't eat the food. Yes, the box is not open and already contacted XXXX and Citi bank is not helping to get the refund. I got this extremely misleading email from Citi bank claiming " Citi is at your side before, during and after every purchase. 
Your Citi Team '' and it was the opposite, and Citi was never on my side throughout this investigation and sending false information via email to mislead the customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment hitory. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'ComplainantXXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditor:\nXXXX XXXX XXXX  / Citibank, N.A.\nAccount ending: XXXX XXXXSubject: Improper late fee assessment and unlawful negative credit reporting in violation of 15 U.S.C.  1666b and the Fair Credit Reporting Act (FCRA)\n\n\n\nStatement of Facts\n\t1.\tI am the holder of the above-referenced Home Depot credit card account.\n\t2.\tMore than one year ago, the creditor assessed a late fee despite my timely payment.\n\t3.\tThe creditor failed to properly credit my payment as of the date received, in violation of 15 U.S.C.  1666b (Timing of payments).\n\t4.\tAs a result of this unlawful fee, the creditor reported my account as late to the consumer reporting agencies.\n\t5.\tThis derogatory information continues to negatively affect my credit standing.\n\n\n\nApplicable Law\n\t\t15 U.S.C.  1666b requires that payments be credited as of the date received.\n\t\t15 U.S.C.  1681s-2(a) (FCRA) prohibits furnishers from reporting inaccurate information to consumer reporting agencies.\n\t\tFailure to remove the late fee and correct the reporting constitutes an ongoing violation of federal law.\n\n\n\nRelief Requested\n\nI respectfully request that the CFPB:\n\t1.\tDirect The Home Depot/Citibank to immediately delete the late fee from my account history.\n\t2.\tInstruct The Home Depot/Citibank to notify all consumer reporting agencies (XXXX, XXXX, XXXX) to remove the late payment entry from my credit file.\n\t3.\tConfirm in writing that the account is in good standing and that no negative credit reporting will remain.\n\n\n\nSupporting Documentation\n\t\tPayment confirmation records from the relevant month.\n\t\tAccount statement showing the improper late fee.\n\t\tCurrent credit report showing the derogatory late payment entry.\n\n\n\nCertification\n\nI certify that the foregoing is true and correct to the best of my knowledgeXXXX 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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hereby submit a formal complaint against Transunion, which appears as the author of the inquiry for making hard inquiries on my credit history without my authorization or any permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I am attaching a copy of my TransUnion credit report, which shows the disputed inquiries.I have followed the dispute procedures directly with the credit agencies and with the responsible furnisher, and they have not removed or corrected those inquiries adequately within the timeframe required by law. Relevant sections include, among others, the prohibition against providing information without a permissible purpose ( 15 U.S.C. 1681b ), the obligation of the agencies to investigate disputes ( 15 U.S.C. 1681i ), and the responsibilities of the furnisher for the accuracy of the reported information ( 15 U.S.C. 1681s-2 ). 

XXXX XXXX XX/XX/year> XX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: MS

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
Hey. I've sent XXXX letters already XXXX at XX/XX/year> and XX/XX/year> and the innacurate items on my report still remain without proper verifaction done on your part. I am in a really tough spot financially and i'm having trouble buying a home for my family and have been feeling really emberassed due to my living situation. I need this handled ASAP. Please review the letter i've attatched to this complaint it's the same letter I sent on XX/XX/year> ( the most recent one ). 

I would appreciate if you can get back to me as soon as possible. My mom and XXXX brothers are depending on me so we can look for better housing in california since we live in a dangerous neighborhood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: AL

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 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 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 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 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 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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/25 I filled a complaint with a company that I regularly use with my bank citizen 's they filed a dispute with the company no problem there I had money taken from my account by the company but told my bank that no fraud was committed than I didn't need my debit card canceled I told them that several times for about three days in a row the money was refunded back to my account a couple days later but during that time the dispute was denied days later on XX/XX/25 no problem I had my money refunded anyway but the worst part was they canceled my debit card on XX/XX/25 without even sending a email saying that they was going to do it or anything if I needed to use the atm for a something I would not have been able to do it I get they are trying to protect people accounts but I did let them know that it no fruad committed but they canceled my card anyway I didn't know about it until I looked in the app under manage dibit cards and seen my card missing without any warning it was done without any concern if I needed to use it I receive XXXX so I don't get around to well so a lot of the shopping I do is online what gets me is that they do something like that without a word so now I have to wait for another card in the mail they should at least tell someone something so they will know what is going on that is my point in all of this is there any way you can help so something like this will not happen again to me or anyone else for that matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XXXX XXXX  sued me in court and garnished my wages. The debt was paid as of XX/XX/year> through garnished wages, yet they continue to increase the amount owed on my credit report.l just checked my credit report and it continues to increase. The law firm is Kohn Law Firm. They have not respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit file. The following names have been incorrectly attached to my profile and must be removed : XXXX, XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX. Several addresses are also falsely associated with me, including : XXXXXX/XX/XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; and XXXX Velvet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX. Additionally, charge-off accounts from XXXX XX/XX/XXXXXXXX XXXX ) and XX/XX/XXXX-Integra are inaccurately reported and should be corrected or removed. I am also disputing unauthorized inquiries from XXXX XXXX ( XX/XX/year>XX/XX/XXXX which were not initiated or authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit file. The following names have been incorrectly attached to my profile and must be removed : XXXX, XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX. Several addresses are also falsely associated with me, including : XXXXXX/XX/XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; and XXXX Velvet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX. Additionally, charge-off accounts from XXXX XX/XX/XXXXXXXX XXXX ) and XX/XX/XXXX-Integra are inaccurately reported and should be corrected or removed. I am also disputing unauthorized inquiries from XXXX XXXX ( XX/XX/year>XX/XX/XXXX which were not initiated or authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending to formally dispute the presence of inaccurate addresses listed on my credit report. The following addresses are incorrect and should not be associated with my credit file : 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 XXXXXXXX XXXX have never lived at, received mail at, or been affiliated in any way with either of these locations. 
Including these addresses in my credit file is both inaccurate and misleading. My correct and current address is listed below and should be the only address reflected in my credit profile. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA 609 ( a ) ( 1 ) ), I have the right to access and dispute any incorrect personal information included in my file. Additionally, FCRA 611 ( a ) ( 1 ) ( A ) requires your agency to investigate disputed information and delete any data that is inaccurate or can not be verified within 30 days. FCRA 607 ( b ) also requires you to maintain maximum possible accuracy in consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To whom it may concern, In looking at my recent credit report I see that some information is still on my credit report that shouldn't be on it.In regards to my correct name, Experian has my name spelled incorrect. They spelled my name XXXX XXXX instead of XXXX XXXX. Also the only address that should be on my credit report is my home address and they have 2 others. Transunion has a bankruptcy on my credit that should be removed. it has been removed from Experian and XXXX  due to the fact that it has been proved that it shouldn't be on my credit report. The following accounts should be removed from my credit report due to the fact of it being incorrect and it is not on XXXX  and in some cases on Experian and Transunion. Accounts that should be removed as follows, XXXXXXXX XXXX XXXXXXXX Acct # XXXX the information is not correct on all 3 credit Bureaus. It shows incorrect information on Transunion and Experian and no information on XXXX. XXXX XXXX, Acct # XXXX is showing incorrect information on Experian and no information on Transunion and XXXX. XXXX XXXX Acct # XXXX is showing incorrect information on Transunion and Experian and no information on XXXX XXXX XXXX XXXX Acct # XXXX is showing incorrect information on Experian and no information on Transunion and XXXX. XXXX  XXXX, Acct # XXXX is showing incorrect information on Transunion and Experian and no information on XXXX. XXXX acct # XXXX is showing incorrect information on Transunion and Experian and no information on 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX of XXXX  try to get this account validator for a repossession and they were never gave me any validation of the repossession and collections that you're not me on there for the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation