vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. XXXX XXXXXXXX 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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this statement pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to document recent instances where I was denied credit due to information contained in my consumer credit report. 

Specifically, I have been : Denied approval for a credit card application, Denied approval for a mortgage loan, and Denied or offered a vehicle loan only at a higher interest rate than advertised or qualified applicants typically receive. 

These adverse credit decisions were based, in whole or in part, on information obtained from XXXX or more consumer reporting agencies. Pursuant to FCRA 615 ( a ) [ 15 U.S.C. 1681m ( a ) ], I was entitled to be notified of the source of the credit information used in each decision and to receive a free copy of my credit report to verify its accuracy. 

Under the FCRA 611 ( 15 U.S.C. 1681i ), I am asserting my right to request that all information contained in my consumer file be investigated, verified, and corrected or deleted if found to be inaccurate, incomplete, or unverifiable. Any unverifiable or outdated data contributing to my credit denials must be removed immediately in compliance with federal law. 

These repeated credit denials have caused measurable harm, including financial loss and damage to my credit reputation. Therefore, I request a full reinvestigation and written confirmation of the actions taken to ensure that my consumer file accurately reflects verifiable and current information only. 

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
In XXXX, I enrolled at XXXX XXXX XXXX but never attended any classes or received services. I was charged ~ {$1700.00} and that account went to a collection agency called XXXX XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, that collection account was removed from my credit report. 

Shortly after, a new collection from William & Fudge Inc. appeared for the same original debt now for ~ {$1200.00}. I believe this is duplicate reporting or illegal re-aging of the same debt. I disputed this with XXXX and requested validation from William & Fudge, including proof of the original agreement, balance breakdown, and their authority to collect. As of now, no proof has been provided.

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: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Follow-Up to CFPB Case # XXXX Incorrect Late Payment Reporting by Citibank Message : We are submitting additional information regarding our prior complaint ( CFPB Case # XXXX ) involving the Home Depot Consumer Credit Card serviced by Citibank , N.A .

Citibanks XX/XX/XXXX response states that our minimum payment for XX/XX/XXXX was received but returned due to bank accounting issues, and that the account was later marked past due. The payment was set up on automatic debit from our XXXXXXXX XXXX account. XXXX merged into XXXX XXXXXXXX XXXX and the bank transition caused the returned payment. The account was never closed and had sufficient funds at the time. 

Despite this, Citibank reported a XXXX late payment to the credit bureaus. The delinquency resulted solely from the bank-system change, not consumer neglect. We request that the CFPB require Citibank to : 1. Correct the tradeline to remove the late payment ; or 2. Re-code it as paid as agreed / consumer disputes this information. 

Attached : Citibank letter dated XX/XX/XXXX Proof of active XXXX XXXX Bank account Screenshot or bank statement showing auto-debit setup Thank you for reviewing this follow-up and ensuring accurate credit reporting under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act. 

Sincerely, 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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
There is an account that has my name on it with Gm financial and on my report it says charge off I want that off my credit or the right form that I need to file taxes for that charge off I been asking for a contract with my signature and havent received any

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved. Please review the uploaded letters.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX To : TD RCS/ Renovate P.O. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist & Formal Dispute of Account * XXXX Dear TD RCS/ Renovate, I am writing to formally dispute and demand immediate verification of the account referenced above, which you are reporting under account number ending in XXXX XXXXXXXX. According to my credit file, this account was allegedly opened on XX/XX/XXXX and later marked as charged off and closed by the credit grantor with a reported balance of {$4800.00} as of XX/XX/XXXX. 

I do not acknowledge the validity, ownership, or accuracy of this account as it appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting that you : 1. Cease and desist all collection efforts and communications regarding this alleged account until full verification is provided.

2. Provide written validation of the debt, including the signed original agreement, itemized accounting of charges, and documentation proving this debt is legally mine.

3. Immediately remove or correct any inaccurate or unverifiable information from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

If you fail to comply with this request within 30 days of receipt, I will pursue all available legal remedies under federal law, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney Generals Office. 

Please note that this letter serves as a formal cease and desist under FDCPA 805 ( c ). You are hereby instructed to cease all direct communication with me, except to confirm receipt of this letter or to provide the requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). There is a collection account from XXXX XXXX XXXX XXXX reporting on my XXXX  credit report that does not belong to me. 

The date of birth listed on this account is incorrect and does not match my actual date of birth ( XX/XX/year> ). I have disputed this multiple times directly with XXXX, but they continue to verify the account without providing any proof or validation. 

I have never opened any account with XXXX XXXX XXXX XXXX, and I have not received any documentation showing that this debt is mine. This appears to be a mixed file or identity error, which is damaging my credit and lowering my score. 

I am requesting that the CFPB require XXXX  and XXXX XXXX XXXX XXXX to : Provide full validation and documentation proving this account belongs to me, or Delete the inaccurate account from my credit file if it can not be verified with proper evidence. 

I am also requesting confirmation that both parties have reviewed my personal identifying information and corrected any file-mixing errors. 

Thank you for your 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially unlawful reporting by * XXXX XXXX ( Account No. XXXX ) XXXX XXXX, which is currently being reported as a Charge-Off with a high balance of {$420.00} and an open date of XX/XX/year>. 

This information is inaccurate and damaging to my credit profile. I have never received proper documentation, verification, or notice from XXXX XXXX regarding any alleged charge-off. Additionally, I have reasons to believe that the account details being reported are incomplete, outdated, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

I have disputed this account with the credit bureaus, but XXXX XXXX has continued to report this item without providing substantive proof or validation of the debt. This constitutes a failure to conduct a reasonable investigation as required under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 

The continuous and inaccurate reporting of this charge-off is causing severe harm to my creditworthiness and financial reputation. I demand that XXXX XXXX be required to : Provide full validation of the alleged debt, including account statements, signed agreements, and payment history ; or Immediately remove the account from all credit reporting agencies if they can not substantiate its accuracy with verifiable evidence. 

I am requesting the CFPB to investigate XXXX XXXX reporting practices in this matter and ensure full compliance with the Fair Credit Reporting Act and all applicable federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I answered the phone they threatened to take legal action I asked for details about the claim and they never responded.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX a company called XXXX XXXX XXXX XXXX FL Capital one had let them charge my account overdrafted about XXXX XXXX dollars.and made me pay for it.I explained to them that I didn't allow nobody to use my account to take out XXXX XXXX dollars.Which I didn't have, I only had like XXXX XXXX dollars in their account.I asked them, why did they let this company take out that type of money? Because I can't even overdraft my account.They had no explanation. to explain to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
During XXXX of 2025 I deposited what I had not known was a fraudulent check into my checking account. At this time when depositing the check, I immediately followed up with my institution and asked them to reverse the check and not deposit it into my account. When following up with this they had stated to me my account would not be flagged for fraud and it was because since then, I have been trying to open new accounts and I have not been able to because of that. I even reported the scam onto the government website and made note of it as well. 

This bank was capital one online banking, and I also with this bank had a negative currency in my account that I was trying to fix for months and could not because there was a restriction on my account already from the fraud, and since this other restriction was placed on my bank account and I just sorted out the funds and being able to transfer them, I am now trying to open up new accounts and can not. 

I am only XXXX XXXX XXXX and do not make the most income, with my new jobs starting I would like to get this off my credit report considering it looks as though I had a fraudulent account and no bank will want to give me access to open up even a checking account. If this could be looked into or taken off my report it would help tremendously. On top of that I also had a debt collecting service for my XXXX account that I was trying to closed and had no notifications or letters sent that I saw about my negative balance and just received one in the mail back in XXXX and it is now all paid off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
The bank requested and received the original uncashed checks and a letter requesting replacement of the checks on XX/XX/year>. They did not replace the checks but spent weeks claiming they were investigating potential fraud. They then requested notarized affidavits stating that the checks were lost, even though the original checks were in their possession. I was advised that this was the only way to get new checks. I complied and still they did not issue the checks. I filed a complaint with this agency, # XXXX, on XX/XX/year>. The bank called me and stated that they were issuing new checks on XX/XX/year>. I withdrew that complaint because Ally bank sent me the replacement checks. 
I am filing this new complaint because of issues with the replacement checks. 
I received the new checks on or about XX/XX/year> and made a mobile deposit of XXXX of the checks into my XXXX bank account that same day. The check was not accepted by XXXX, citing unspecific verification issues. On XX/XX/year> I took the check to XXXX XXXX XXXX and attempted to cash the check. Again it was rejected, citing unspecified verification issues. 
I called Ally Bank, and they have no explanation as to why the check will not clear. I forwarded them the notifications from XXXX, and the XXXX regarding the rejection of the check.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reason to believe that XXXX XXXX, and Experian have unlawfully disclosed or sold my personal information to third-party companies without my consent for monetary gain. Such actions constitute a violation of my privacy rights and XXXX be in breach of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and the credit reporting agencies for reporting inaccurate and misleading payment information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : XXXX XXXX XXXX is reporting an account ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX that shows a payment status of Paid, Closed; was Paid as Agreed. Despite this, the payment history section reflects a 30-day late payment for XX/XX/year>. 

This is factually inconsistent and inaccurate, as the account was never late and was paid as agreed before being closed on XX/XX/year>. The conflicting data directly violates FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing inaccurate or misleading information ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete this inquiry, which I did not approve, from my credit file. I have no connection with the creditors involved and request prompt correction.

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: GA

Complaint narrative:
Because my personal and financial information was compromised in the breach, I have reason to believe these accounts were affected or potentially reinserted without proper certification or the legally required notice outlined in FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting that these accounts be immediately deleted from my credit file unless you can provide full verification from the original creditors. 
Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5600.00} Account Name : XXXX  Account Number : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1800.00}

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am following up on a prior complaint regarding inaccurate late payment reporting on my credit report. Several accounts continue to reflect errors that do not match my actual payment history and are damaging my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} incorrectly reported as 30 days late for XX/XX/XXXX, despite showing a {$0.00} balance and current status. 
DEPT OF EDUCATION XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00}, and another account with Balance {$2700.00} incorrectly reported 180 days late as of XX/XX/XXXX, with inconsistent XXXX, XXXX, and XXXXday late progressions between XXXX that can not be verified. 
These reporting inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which require maximum possible accuracy and prompt correction of disputed information.

Company response to consumer: Closed with non-monetary relief