vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXXXXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for inaccurately reporting bankruptcy remarks on a loan that was closed and fully paid off before my XXXX XXXX bankruptcy filing. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance and no delinquencies or charge-offs. It was not included in the bankruptcy filing ( XXXX XX/XX/XXXX, XXXX XXXX. XXXX ). 

XXXX is falsely reporting XXXX XXXX bankruptcy in the remarks, despite : XXXX late payments A paid-in-full balance A clean payment history across XXXX years This misreporting violates : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681s-2 ( b ) ( furnisher 's duty after dispute ) UDAAP regulations by the CFPB for deceptive or harmful credit reporting practices This remark is materially misleading and harming my credit recovery. It must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am filing a complaint against XXXX for inaccurately reporting bankruptcy remarks on a loan that was closed and fully paid off before my XXXX XXXX XXXXankruptcy filing. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance and no delinquencies or charge-offs. It was not included in the bankruptcy filing ( XXXX XX/XX/XXXX, XXXX XXXX. XXXX ). 

XXXX is falsely reporting XXXX XXXX bankruptcy in the remarks, despite : XXXX late payments A paid-in-full balance A clean payment history across 5+ years This misreporting violates : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 1681s-2 ( b ) ( furnisher 's duty after dispute ) UDAAP regulations by the CFPB for deceptive or harmful credit reporting practices This remark is materially misleading and harming my credit recovery. It must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a cashiers check from XXXX XXXXXXXX XXXX  on XX/XX/year> and they said the funds would be available the following day and they were not. I went into the bank the next day and they said they would be available the following day but they were not. Today is XX/XX/year> and the bank said I could not have the money until XX/XX/year>. The cashiers check is as good as cash. It came from XXXX XXXX Bank. I cashed a commission check that I received from selling a home. The check was from XXXX XXXX XXXX XXXX XXXX. Their branch was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX floor XXXX XXXX CA XXXX. I cashed the check at the XXXX XXXXXXXX XXXX  branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX because the XXXX XXXX branch did not have the funds.

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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent date of breach Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent date of breach Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-01 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.
State: MO

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened the account at the berkshire bank ( routing number : XXXX ) in XX/XX/2025 and was informed that I would be credited with a {$300.00} bonus if the account receives XXXX direct deposits in the following three months. I did the direct deposits, but I find no bonus appears. I then contacted the representative of this bank on XX/XX/2025, and its representative promised to inform me the result by the end of XXXX but no information was sent back to 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 2025-08-01 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: OH

Complaint narrative:
I was in court litigation over a residential property I purchased with the sellers selling me a lemon and we settled at court litigation on XX/XX/year> and it was court ordered the sellers purchase the house back. In that time frame I was not under obligation to make payments on the mortgage, I did make payments in good faith because I was told this would be corrected on my credit report once it was finalized. The late payments they came are from XXXX and XX/XX/year>. I have provided information from my attorney and the court document I was given at court on XX/XX/XXXX. I was told multiple times by multiple employees from XXXX XXXXXXXX XXXX that These errors for XXXX and XXXX have been corrected, please give it 30 days to report to the credit bureaus when I call the credit bureaus ( XXXX, Experian, XXXX XXXX XXXXhey claim XXXX XXXX has never sent them anything or updated my credit information. I have been calling and dealing with this since the end of XX/XX/year>. I spoke with XXXX XXXX and XXXX XXXX at XXXX XXXXXXXX XXXX who are supervisors and they stated These issues should have been corrected by now and told me to resubmit disputes. I have resubmitted disputes and it has not gotten resolved. You can check my history, I have never missed any payments on anything Ive owed and this hurts not only myself but impacts my family. Thank you for your time and patience with helping get this resolved. If you need other information let me know!

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 2025-08-01 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: OH

Complaint narrative:
I was in court litigation over a residential property I purchased with the sellers selling me a lemon and we settled at court litigation on XX/XX/year> and it was court ordered the sellers purchase the house back. In that time frame I was not under obligation to make payments on the mortgage, I did make payments in good faith because I was told this would be corrected on my credit report once it was finalized. The late payments they came are from XXXX and XX/XX/year>. I have provided information from my attorney and the court document I was given at court on XX/XX/XXXX. I was told multiple times by multiple employees from XXXX XXXX XXXX  that These errors for XXXX and XXXX have been corrected, please give it 30 days to report to the credit bureaus when I call the credit bureaus ( XXXX, XXXX, Equifax ) they claim XXXX XXXX has never sent them anything or updated my credit information. I have been calling and dealing with this since the end of XX/XX/year>. I spoke with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  who are supervisors and they stated These issues should have been corrected by now and told me to resubmit disputes. I have resubmitted disputes and it has not gotten resolved. You can check my history, I have never missed any payments on anything Ive owed and this hurts not only myself but impacts my family. Thank you for your time and patience with helping get this resolved. If you need other information let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
I was in court litigation over a residential property I purchased with the sellers selling me a lemon and we settled at court litigation on XX/XX/year> and it was court ordered the sellers purchase the house back. In that time frame I was not under obligation to make payments on the mortgage, I did make payments in good faith because I was told this would be corrected on my credit report once it was finalized. The late payments they came are from XXXX and XX/XX/year>. I have provided information from my attorney and the court document I was given at court on XX/XX/XXXX. I was told multiple times by multiple employees from XXXX XXXX XXXX  that These errors for XXXX and XXXX have been corrected, please give it 30 days to report to the credit bureaus when I call the credit bureaus ( TransUnion, XXXX, XXXX  ) they claim XXXX XXXX has never sent them anything or updated my credit information. I have been calling and dealing with this since the end of XX/XX/year>. I spoke with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  who are supervisors and they stated These issues should have been corrected by now and told me to resubmit disputes. I have resubmitted disputes and it has not gotten resolved. You can check my history, I have never missed any payments on anything Ive owed and this hurts not only myself but impacts my family. Thank you for your time and patience with helping get this resolved. If you need other information let me know!

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 2025-08-01 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: MS

Complaint narrative:
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to 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 2025-08-01 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 KY XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 explanation
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 2025-08-01 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Purchased XXXX hoodies from XXXX on XX/XX/year> for XXXX $ never received my stuff after XXXX months, contacted XXXX and got no response and I saw that their website was completely changed and multiple reports of them scamming other people online. Made a claim through citizens And I received my money but the merchant gave citizens fake evidence saying I received it. If you look at the shipping number I received ( XXXX ) you can see it was not delivered but the merchant made fake evidence and gave it to citizens so they took the money back and now citizens bank is giving me a hard time trying to make another claim and I would just like my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief