vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
On XX/XX/year> I attempted to reserve a room with a Bed and pull-out bed for the XXXX XXXX XXXX in XXXX XXXX XXXX California. I needed to add a day. I called the hotel, and they informed me that I booked through a third party and that they can't edit the reservation. So I just asked If they can make a new reservation for the same room for the additional day. They then told me that they don't have rooms with pull-out beds and that my reservation is for a single bed only. My receipt does say 1bed and 1pull-oout. The hotel gave me the number for the merchant whom I called. They said the room is non-refundable and that there is nothing I can do. 
So I repurchased the rooms but with two beds since a pull-out isn't something the hotel offers. 
I disputed this through my credit card ( Citi ). Citi doesn't have any way to upload documents I've called multiple times, asking how to do it why is my dispute finding me at fault. This is clearly the fault of the merchant since the room I bought isn't available. 
I'm told I need to prove what I purchased, and I have the receipt, and I can see on the Official Hotel Website that the room I bought isn't one that they option. They give me no way to upload anything and still say that I need to comply with the merchant 's refund policy. 

I can't access any of the dispute information on Citi websites and I'm on the phone for hours to try to get answers.

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 2025-10-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-21 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: ID

Complaint narrative:
XXXX XXXX Bank issued me a credit card a few years ago. I wasn't able to pay and the past balance was {$3400.00}. They agreed to a settlement of {$2700.00} and I paid that amount over the phone. I received confirmation online in XXXX of 2025 but they refuse to remove the balance owed on my credit report. It's affecting my ability to secure a car loan. I have proof directly from the company that it was paid and the transaction was completed and I have issued challenges with documentation through the credit reporting companies but nothing is changing.

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 2025-10-21 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 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: TX

Complaint narrative:
Please eliminate this unauthorized inquiry from my record. I have no link to the mentioned creditors and urge prompt action to maintain accuracy.

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 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me significant stress and loss of sleep. All required documentation is attached, and I respectfully request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
they bought the mortgage. 
Applied unnecessary fees, etc. and doubled my monthly cost. 
I fought it. 
i lost. i reported it. 
you did nothing. 
Fay applies late fees of {$190.00} per month i will lose my house if you continue to not fight this predatory loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) to report a serious breach of privacy and unauthorized access to my personal, financial, and educational records. 
After reviewing my recent credit report dated XX/XX/year> ( Confirmation # XXXX ), I discovered multiple XXXX XXXX XXXX student loan accounts being reported to XXXX, XXXX, and TransUnion without my authorization or verified consent. 
I have reason to believe my educational and financial records were accessed or transmitted without permission, exposing my confidential information to unauthorized parties ( unauthorized eyes ) and resulting in a compromised credit file. 
This situation represents : A violation of FERPA, which protects student educational records from disclosure without written consent. 
A violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts access to consumer information to permissible purposes only. 
A failure of the credit bureaus and furnishers to ensure maximum possible accuracy and safeguard personal data as required under 15 U.S.C. 1681e ( a ) and 1681e ( b ).

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX  who is reporting negative items on my credit report which is holding me back from getting credit and getting into a new home to support my family. By case law as the debt collector didn't notify in five days as required by law to notify me about the debt or assume the debt would be valid nor did they get my permission to report it on 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 explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
XXXX XXXX XXXX  who is reporting negative items on my credit report which is holding me back from getting credit and getting into a new home to support my family. By case law as the debt collector didn't notify in five days as required by law to notify me about the debt or assume the debt would be valid nor did they get my permission to report it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I did an auto refinance with XXXX XXXX. XXXX XXXX sent overnight payoff 8 days ago but Bridgecrest has not updated payment and has intentionally delayed changing information. I now show debt by 2 companies with almost the same loan amount for a single and the same car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app first said not enough money in my account to not a hour later they overdraft my account when I dont have overdraft protection at all on my account and the money wasnt not there to take so cash app overdrafted my account without my consent. Called they customer service and they have no supervisor to help at all they wan na say they have to email me thats not how that go and customer service is XXXX XXXX XXXXXXXX I have recordings of NO XXXX  AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$320.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Im writing to dispute some information on my credit report that doesnt look accurate. The account in question is from XXXX, and its showing as a charged-off secured loan. After looking closely at all three of my credit reports, I noticed several inconsistencies that make the reporting confusing and unreliable. 

Heres what I found : The dates dont match each bureau shows a different date opened, date last active, and date of last payment. 
The balances and high credit amounts are different across reports, even though its the same account. 
The comments and status details arent consistent one says charged off as bad debt, another says unpaid balance reported as a loss, and another calls it a secured charged-off account. 
One bureau lists an 8-month term, while another says 0 months, which cant both be correct. 
My payment history also shows up differently depending on the bureau. 

Since this information doesnt match across all three credit bureaus, it seems the details might not have been verified properly. Under the Fair Credit Reporting Act, Im asking that you reinvestigate this account and either correct or delete it if the data cant be confirmed as 100 % 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 2025-10-21 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:
Im writing to dispute some information on my credit report that doesnt look accurate. The account in question is from XXXX, and its showing as a charged-off secured loan. After looking closely at all three of my credit reports, I noticed several inconsistencies that make the reporting confusing and unreliable. 

Heres what I found : The dates dont match each bureau shows a different date opened, date last active, and date of last payment. 
The balances and high credit amounts are different across reports, even though its the same account. 
The comments and status details arent consistent one says charged off as bad debt, another says unpaid balance reported as a loss, and another calls it a secured charged-off account. 
One bureau lists an 8-month term, while another says 0 months, which cant both be correct. 
My payment history also shows up differently depending on the bureau. 

Since this information doesnt match across all three credit bureaus, it seems the details might not have been verified properly. Under the Fair Credit Reporting Act, Im asking that you reinvestigate this account and either correct or delete it if the data cant be confirmed as 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I made a deposit. The check was from XXXX XXXX insurance. It was a XXXX party check. Check was made out to myself and to XXXX XXXX. I have never received a XXXX party check therefore I did not know I had to get the other parties signature or endorsement. XXXX XXXX has made numerous attempts to help me with this matter. By alerting Bank of America that the funds are legally mine and need to be returned. With no communication still to either of us about the neglectful cashing of this deposit. Then. On XX/XX/XXXX the next day my checking account was hacked through XXXX XXXX. The criminals tried XXXX separate transactions, trying to withdraw money from my checking account. The first XXXX attempts were blocked by Bank of America. The criminals even changed the amount of money that they were trying to transfer. And on the fourth attempt, Bank of America let the transaction go through. {$4500.00} was transferred out of my checking account to XXXX XXXX. I immediately called XXXX XXXX to alert them of the fraudulent transaction. I then contacted Bank of America to alert the XXXX department. Since XXXX I have had XXXX fraud cases opened researched and denied by Bank of America. They have sent me the same denial letter every time. I have no faith in their fraud department and researching what happened. They keep telling me that I withdrew the money and sent it to myself, which makes absolutely no sense. Bank of America neglectfully cashed a XXXX party check for thousands of dollars and within XXXX hours. My account was hacked for thousands of dollars. And my 31 years of banking with Bank of America nothing like this has ever happened in my account. Bank of America did not secure my account during the fraudulent attempts by the criminals. Why didnt they freeze my debit card? Why didnt they alert me that they were suspicious transactions? Why when I alerted the bank on XX/XX/XXXX about the fraud we immediately opened up a fraud case!! So why did the bank let the transaction process for XXXX days? Why wasnt the transaction canceled knowing that it was fraud? The XXXX days that the fraudulent transaction was processing. I was told in banker terms that it will fall off. Basically from the minute, the Bank of America neglectfully cashed a XXXX party insurance check it opened up my account apparently to criminals and within XXXX hours I was scammed. Bank of America has not answered any of my questions about being neglectful or the lapse of security to my account since XXXX I have just been ignored.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: WA

Complaint narrative:
XXXX XXXX  representatives refused to accept payments to zero out the accounts and amicably resolve the debt on XXXX XXXX and XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, XXXX XXXX  referred checking and savings accounts it closed in XX/XX/XXXX to Capital Management Services , LP in retaliation for filing formal complaints to consumer protection agencies about its discriminatory banking practices at XXXX local bank branches in Washington XXXX. 

Capital Management Services , LP, an unscrupulous predatory collections agency, sent its dunning letter to my address of record. Before contacting the company regarding the debt, I researched their reputation and discovered the XXXX XXXX XXXX  in XXXX, New York has extensive complaints about their unscrupulous business practices which have violated consumers ' rights protected by Fair Debt Collections Practices Act as well as the Fair Credit Reporting act. The XXXX XXXX XXXX profile includes complaints for Capital Management Services , LP 's headquarters and its corporate-owned locations at this web address : 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