vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Account : Affirm XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
b'Dear CFPB Officer,\nI am writing to file a formal complaint against multiple companies and credit reporting agencies for allowing unauthorized and inaccurate XXXX  inquiries to appear on my credit reports without my knowledge or permissible purpose, in violation of the Fair Credit Reporting Act (FCRA), specifically Sections 604(a)(3), 609(a), and 610(a).\nI have identified numerous inquiries that I did not authorize, nor did I initiate any credit application with these entities. These XXXX inquiries are XXXX  my credit score and financial standing unfairly.\nBelow is a list of the inquiries in question along with their reporting dates:\nInquiries in Violation (FCRA 604, 609)\n1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry\n No account application. Unfamiliar with this pull.\nViolation: FCRA 604(a)(3)\nSummary of Harm:\nThese inquiries are affecting my credit score XXXX without legal grounds, causing denial of credit, increased interest rates, and eXXXX XXXX. I have not received any disclosure, permissible purpose, or written consent for these inquiries.\nRelief Requested:\n1.\tImmediate removal of all listed unauthorized inquiries from my credit report.\n2.\tInvestigation into each company that made the inquiry.\n3.\tEnforcement of appropriate actions/penalties for violations of the FCRA.\nI request the CFPB to investigate this matter promptly and take appropriate action. I have tried resolving these disputes directly with the credit bureaus and the furnishers, but the issues persist.\nThank you for your time and assistance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi had been siding with a fraud merchant that has scammed millions of dollars from their customers, while Citi hasn't reviewed any of the evidence I have provided. When attempting to contact Citi, they have been extremely unhelpful in attempting to resolve my dispute. 

I haven't been able to access my purchases since I bought them. And on XX/XX/XXXX, the company ( XXXX XXXX XXXX ) basically shut down operations without fulfilling the purchase I made and took everyone 's money. 

XXXX XXXX XXXX have not responded to any customer inquiry I have made through their any of their customer facing channels. I have been attempting to contact the merchant for months since the purchases. However, the fraud merchant has been unreachable through phone, email, or mail. All they have been doing is responding to disputes of customers who are trying to get their money back.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/year>, Citibank received two certified mailed letters containing checks mailed by me one for each of my Citi credit card accounts. Both were delivered to XXXX XXXX XXXX, IL XXXXayment center at XXXXXXXX XXXX via USPS Certified Mail. Despite being delivered at the same time : Check # XXXX, for the smaller account ( Citi Double Cash ), was processed the very next day, XX/XX/XXXX Check # XXXX, for the larger balance account ( Citi XXXX Preferred ), was * * not processed until XX/XX/XXXX a full 10 days later As a result, the Diamond Preferred account showed : A false Payment 6 Days Past Due notice An inflated minimum payment ( from ~ {$71.00} to over {$170.00} ) Potential late fees, negative reporting risk, and emotional harm This delay is especially alarming because Check # XXXX was clearly marked " Paid Under Duress '' and tied to an ongoing legal dispute with Citi, which Ive formally documented in three prior CFPB complaints. The delayed posting despite identical delivery logistics raises a strong inference of retaliation or discriminatory treatment.

Under Regulation Z ( 12 C.F.R. 1026.10 ), payments must be promptly credited upon receipt. And under ECOA Regulation B ( 12 C.F.R. 1002.4 ( b ) ), it is unlawful to retaliate against a consumer for exercising their rights. 

I respectfully request : Immediate reversal of past due status & restored payment amount Written acknowledgment of the processing discrepancy Guarantees of no late fees or derogatory credit marks Formal investigation into delayed processing as retaliation Reinstatement of all prior demands, as this incident proves systemic misconduct Note : This is a distinct event from previous CFPB complaints. Please do not treat this as a duplicate, as the delay occurred in XXXX and raises new violations.

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 2025-06-13 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: LA

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account that has been reported under my name and appears on my credit report. This account was opened without my knowledge or consent and is a clear case of unauthorized and fraudulent use of my identity. 

Let me be absolutely clear : I did not authorize this account, I have no affiliation with the party responsible, and I have not benefited in any way from the use of this account. This is a serious breach of my personal information and financial integrity. 

I am requesting that you take swift and decisive action to permanently delete this account from my credit report, as its presence is both inaccurate and damaging. This is not a dispute over a billing error or misunderstandingit is a matter of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke earlier today with XXXX of your managers, XXXX, regarding this matter, as I have submitted this information more than XXXX times and called over XXXX times without receiving the correct resolution, despite my repeated requests. XXXX clarified that the required documentation is an FTC report, including the account number and the name of the collection agency. I have provided this, along with my Social Security Number, Drivers License, and the detailed statement below, in addition to the bill and lease. 
I initially contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX regarding a credit report entry for Account XXXX : XXXX. XXXX responded that they were collecting on behalf of XXXX XXXX XXXX However, I have never signed a contract with XXXX nor conducted any business with them. They have no legal authority to collect any debt from me. Additionally, they provided a bill dated XX/XX/year>, for Apartment XXXXXXXX XXXX for {$4300.00}. I requested a copy of the lease from XXXX, which they refused to provide. They instead advised me to contact XXXX XXXX XXXX When I did, XXXX XXXX XXXX directed me back to XXXX. The reason they can not produce a lease is that no such lease exists for XXXX  XXXX. 
I am requesting that this information be removed immediately from all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all credit reporting agencies are required to investigate disputes, which you have failed to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XX/XX/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 2025-06-13 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XX/XX/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 2025-06-13 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: CA

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are causing significant personal and financial harm. I urge immediate correction or removalprompt action would bring much-needed relief during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Experian for the following account : XXXXXXXX XXXX ( Account # XXXX ). Specifically, Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for this account. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. 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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) credit reporting agency, 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. I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts consist of - a line of credit account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, - two Loan accounts opened at XXXX XXXX XXXX XXXX - one on XX/XX/XXXX under the account number XXXX,- and another on XX/XX/XXXX under the account number XXXX,- and a Bankruptcy account opened at XXXXXXXX XXXX XXXX - one on XX/XX/XXXX under the account number XXXX,- and a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so Synchrony Bank XXXX XXXX XXXX does not even own the debt anymore. Which is another inaccuracy for putting 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 2025-06-13 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation