vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out because I discovered inquiries from your company on my credit report that I did not authorize.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: WA

Complaint narrative:
I was looking over my Transunion credit report and found out there is an inquiry which was not authorized and was not made by me. The name of the lender is XXXX XXXX, inquired on XX/XX/year>. Please remove this inquiry 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 2025-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Best Buy card issued by Citibank Retail Services. On XX/XX/XXXX, I made a purchase of {$530.00}. I was not informed that a {$5.00} donation to the Best Buy Foundation would be charged to my account. As a result, I had to contact the store to get a credit for the {$5.00}, which was a difficult process.

The purchase was supposed to be part of a no-interest promotion with payments spread over 18 months, and I was supposed to be making a minimum payment to be allocated towards my entire balance on my card. I also made other purchases on XX/XX/XXXX and XX/XX/XXXX. However, when I make the minimum payment, the payment is not being allocated across all my purchases. 

Looking at my bill, I see that I am being charged a promotional minimum payment specifically for the {$530.00} purchase, while I am not being charged similar minimum payments for my other purchases totaling {$420.00} ( due in XX/XX/XXXX ) and {$2000.00} ( due in XX/XX/XXXX ). The {$530.00} purchase is not due until XXXX, so this situation seems inconsistent. 

Now, when I make my minimum payment, it is being applied entirely to the {$530.00} promotion minimum payment due for this purchase which isn't due until XXXX, rather than to the other purchases that are due in XXXX. I contacted the customer service center at XXXX, where the representative couldnt explain why this was happening and transferred me to a manager named XXXX. When I asked why I was being charged this promotion minimum payment, XXXX explained that my {$530.00} purchase didnt meet the full amount required for the 18-month promotion without incurring the promotion minimum payment.

I informed the manager that the sales representative in the store had explained the promotion differently, and that this was not the agreement I signed up for. Despite this, the manager stated there was nothing he could do to resolve the issue. I find these practices to be very misleading, manipulating and unfair.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Ive experienced multiple amounts of money being taken out my account which has converted in me being in Overdraft multiple times with the XXXX  account this time comes over every month once I get paid, my payments do not comes out on time and suddenly, im in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-05 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: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations To Whom It May Concern, I am writing to formally demand the immediate removal of negative, outdated, inaccurate, and unverifiable information from my credit profile as a result of a recent data breach, which has led to the violation of my privacy rights. I am requesting this action in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the guidelines established by the Consumer Financial Protection Bureau ( CFPB ). 
As a consumer, I am entitled to accurate, complete, and up-to-date information being reported to the credit bureaus. The data breach in question, along with its resulting fraudulent activities, has compromised my privacy and caused significant harm to my creditworthiness. In light of this, I am demanding the following actions to be taken immediately : Immediate Removal of Negative Information : Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately, especially those items resulting from the data breach or fraudulent activity. I expect all such entries to be corrected and updated to reflect accurate and legitimate data only.

Cease Reporting on Data Breach-Related Accounts : Cease all reporting of any accounts that are directly related to the data-breach incident or fraudulent activities. These accounts are the result of violations of my privacy rights and should not be reflected in my credit report. 
Provide Updated Credit Report : Provide me with a new, corrected copy of my credit report showing all updates and changes, including the removal of negative information as requested. 
Unfreeze My Credit Profile : If my credit profile is currently frozen due to the data breach or as a protective measure, I demand that it be unfrozen immediately so I can have full access to my credit information and ensure no further harm comes from the situation. 
Please consider this letter as a formal request for the prompt correction of my credit profile in accordance with the laws mentioned above. I expect to receive a response within the statutory time frame established by the FCRA, which is 30 days from the receipt of this request. 
Failure to resolve this issue in a timely manner may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking remedy through the appropriate legal channels. 
Thank you for your prompt attention to this matter.

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 2025-03-05 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: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations To Whom It May Concern, I am writing to formally demand the immediate removal of negative, outdated, inaccurate, and unverifiable information from my credit profile as a result of a recent data breach, which has led to the violation of my privacy rights. I am requesting this action in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the guidelines established by the Consumer Financial Protection Bureau ( CFPB ). 
As a consumer, I am entitled to accurate, complete, and up-to-date information being reported to the credit bureaus. The data breach in question, along with its resulting fraudulent activities, has compromised my privacy and caused significant harm to my creditworthiness. In light of this, I am demanding the following actions to be taken immediately : Immediate Removal of Negative Information : Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately, especially those items resulting from the data breach or fraudulent activity. I expect all such entries to be corrected and updated to reflect accurate and legitimate data only.

Cease Reporting on Data Breach-Related Accounts : Cease all reporting of any accounts that are directly related to the data-breach incident or fraudulent activities. These accounts are the result of violations of my privacy rights and should not be reflected in my credit report. 
Provide Updated Credit Report : Provide me with a new, corrected copy of my credit report showing all updates and changes, including the removal of negative information as requested. 
Unfreeze My Credit Profile : If my credit profile is currently frozen due to the data breach or as a protective measure, I demand that it be unfrozen immediately so I can have full access to my credit information and ensure no further harm comes from the situation. 
Please consider this letter as a formal request for the prompt correction of my credit profile in accordance with the laws mentioned above. I expect to receive a response within the statutory time frame established by the FCRA, which is 30 days from the receipt of this request. 
Failure to resolve this issue in a timely manner may result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking remedy through the appropriate legal channels. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-05 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Account was suspended and I received my irs refund to that account. I have called three times to slresolve any issues and remove the suspension but they give me no details and ask me to wait for an email they dont allow me to speak to another department. I need to access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account 2. Validate Account XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

4. XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

5. XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

6. Timely Payment Made XXXX  Account Number : XXXX Please remove late payments and update account XXXX. The following is an invalid late payment XXXX XXXX BANK XXXX Account Number : XXXX Please remove late payments and update account 8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate 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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a Chase Bank customer for XXXX years. About XXXX weeks ago, I noticed fraudulent activity on my account when I saw multiple reversal claims. I immediately went to the bank to report it, and they canceled the transactions and closed my account. However, somehow, the account was reopened without my authorization, and even more reversal charges were made, along with over {$2500.00} being withdrawn. 

After that, Chase restricted my account, preventing me from accessing any information. On XX/XX/XXXX, I visited the bank again, and they provided me with a stamped form stating that my {$1400.00} tax refund check had been returned to the IRS. However, the bank later processed that same check on XX/XX/XXXX and took the entire amount. 

Now, Chase is refusing to return my money and will not close my account despite my repeated requests. I have lost over {$7000.00} due to their actions, and I feel like I am being severely harmed. I need urgent assistance to get my money back and have my account permanently closed.

Company response to consumer: Closed with explanation