vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account has an alert, Citi is requesting 4506-c form. 
I mailed it to them 3 time. 
First and second was deliveredXXXX XXXX and XX/XX/XXXX. I was told the form was wrong so I send the third time which delivered on XX/XX/XXXX. 
However, my account Citi XXXX XXXX was being closed along with other two Citi XXXX XXXX and Citi XXXX XXXX without any notice. 
When I called I was told the form was being filled out wrong, but I was following the guidelines. I asked if they would reinstate the account and review the 4506-c that I submitted per their request. They are not willing to communicate further.

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 2025-11-06 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:
I am disputing an inaccurately reported late mortgage payment by XXXX XXXX XXXX XXXX for my mortgage account ending in XXXX. The late payment was caused by XXXX XXXX XXXX XXXX failure to process an automatic ACH withdrawal, even though my updated funding account was in place and fully funded prior to the payment due date + 30 days. 

On XX/XX/year>, an automatic mortgage payment did not process due to an issue with the prior funding account. On XX/XX/year>, I updated my autopay information to a new bank account. XXXX XXXX XXXX XXXX  confirmed the autopay setup in writing, and their confirmation stated that automatic draft would begin on XX/XX/year>. 

However, they did not process the XX/XX/year> draft, despite confirming that they would. The new account had sufficient available funds for the payment. I was never notified by XXXX XXXX XXXX XXXX XXXXf any failed payment attempt. I only became aware when I logged in during XXXX and saw that the payment had not been drawn. 

I immediately made the payment manually, well before I believed any XXXX delinquency existed. This was not a case of borrower neglect or refusal to pay. It was a processing/servicing failure by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX XXXX is currently reporting the XX/XX/year> payment as 30 days late. This is factually inaccurate and misleading, because : I updated my payment method on XX/XX/XXXX well before any XXXX late threshold. 

XXXX XXXX XXXX XXXX confirmed in writing that the XX/XX/XXXX draft would occur. 

The bank failed to initiate the scheduled draft. 

The funding account had available funds. 

I received no notice of failed processing. 


This violates the accuracy standards under : FCRA 15 U.S.C. 1681s-2 ( a ) duty to report accurate information California Civil Code 1785.25 ( a ) prohibition on reporting information known to be incomplete or misleading I have already disputed in writing with XXXX XXXX XXXX XXXX , and they refused to correct the reporting, despite their failure being the cause of the delinquency. 

This inaccurate reporting is causing ongoing harm to my credit profile and financing eligibility. I am requesting prompt correction. 

I am attaching : My initial dispute letter dated XX/XX/XXXX ( includes bank statement confirming available funds, and proof of autopay update confirmation ) XXXX XXXX XXXX XXXX response letter dated XX/XX/year> 2025

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 2025-11-06 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: OK

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! 


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  INQUIRIES : XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX XXXXXXXX - XX/XX/year>

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 2025-11-06 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate and unverifiable items currently appearing on my credit report. After carefully reviewing my file, I have identified multiple entries that do not reflect my true credit history or current address information. These errors are negatively affecting my credit reputation and overall financial stability. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX LATE CLOSED : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-11-06 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX wrote his son XXXX XXXX a check before passing away. He notated death transition on the memo and signed in the hospital on XX/XX/XXXX. He passed away on XX/XX/XXXX voluntary after they were unable to provide a plan to cure. I have since been borrowing money from family to pay for funeral arrangements because a hold was placed on check. I was able to pay for mortuary services using borrowed money. I am looking at suing Wellsfargo for pain and suffering for placing a hold on the check from father to son that was written before he passed. I am the executor of estate and sole heir, which will come out in time since I was able to process him through a morgue using borrowed funds to obtain the death certificate. Wells Fargo admitted that they could see family members sending money from XXXX in order to pay a significant charge that they acknowledged was a mortuary company, but still refused to release the hold.

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 2025-11-06 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I was charged service charges on my XXXX  Bank checking account. I was first told it was because the balance was too low. Then was told it was because the account was dormant. This doesn't make sense as I used the account in the same month the fees started. Meaning they've just been charging me fees for no reason. I tried to lose the account, but they won't let me close the account since it is dormant.

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 2025-11-06 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: SD

Complaint narrative:
You have my twin brothers social security number linked to my credit report. This has caused both of us not to be able to put our name on certain loans.

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 2025-11-06 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: NE

Complaint narrative:
My name is XXXX XXXX, and I am a Citi Bank Best Buy credit card holder ( ending in XXXX ) since XX/XX/XXXX. In XX/XX/XXXX I registered/activated a promotion offer on my Citi Bank Best Buy credit card " Earn {$40.00} reward certificate if you make 2 recurring transactions outside of Best Buy with your card '' ( promotion offer period was XXXX ), I made 2 different recurring transaction for the amount of {$42.00} & {$72.00} on XXXX & XX/XX/XXXX respectively, but never got my reward. When contact with Best But reward department around beginning of XXXX ( after waited the 3-4 weeks from promotion ended date ), I was received, by the Best Buy reward representative 2,000 points ( which equal to {$40.00} ). In XX/XX/XXXX I registered/activated to the same promotion offer ( " Earn {$40.00} reward certificate if you make 2 recurring transactions outside of Best Buy with your card '' ). This time the promotion offer period was XXXX ; I made 2 different recurring transaction for the amount of {$55.00} & {$72.00} on XXXX & XX/XX/XXXX respectively but never got my reward again. When contact with Best But reward department around beginning of XXXX ( after waited the 3-4 weeks from promotion ended date ), I was told that I am not eligible to get the {$40.00} reward for the reason that " I did not fulfill the requirements of this promotion offer ''. I insist that I fulfill the promotion offer requirements, and therefore I should receive the {$40.00} credit certificate ( or 2,000 which equal to {$40.00} ). I would like to complain that neither on the 1st promotion ( XXXX ) I did not receive the reward, until contacting Best Buy reward department and have them manually added it into my Best Buy account, nor on the 2nd promotion ( XXXX ) I did not receive the reward, ( this time Best Buy reward department refused to manually added the {$40.00} credit certificate or add 2,000 points into my Best But account, and now I registered/activated into the same promotion offer for the 3rd time ( XXXX ), and I would like to understand if I will fulfill the requirements also for the 3 promotion, I will ever receive the rewards that I am eligible to? I am asking to get the {$40.00} reward for participating and fulfilled the requirements for the 2nd promotion, and at the same time, that Citi Bank ( as the Best Buy credit card issuer ) will make sure that in case I will fulfill the requirements for the 3rd promotion, I will get the reward without the need to contact either Citi Bank or Best Buy again.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Settlement balance is paid still remains balance that not own me XXXX XXXX credit card had a XXXX XXXX account from XXXX XXXX. 
with Account 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Equifax is not reporting XXXX Card Authorized user services XXXX, XXXX XXXX Closed XXXX, Inquiries are not mine on Equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Transunion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian is incorrectly reporting inquiries 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Equifax is not reporting XXXX Card Authorized user services XXXX, XXXX XXXX Closed XXXX, Inquiries are not mine on Equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Transunion is not reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian is incorrectly reporting inquiries 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX. I am not a customer of Bank XXXX XXXX received a call from XXXX ( XXXX ) XXXX can't get any information from the caller. The message ( in XXXX ) claimed my card had unauthorized activity and would be stopped. It was an automated message spoken in XXXX. It said if you want to know the detail, press XXXX. I pressed " XXXX ' but the line was cut off without connecting to anyone. I believe this is a 'spoofing ' or impersonation scam or something.

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 2025-11-06 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 reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I am submitting this complaint because all three credit reporting agenciesTransUnion, Equifax, and Experianhave failed to fully comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 1681s-2, after I provided complete and verified documentation of identity theft.

I have submitted my FTC Identity Theft Report, my identification, and a written statement over six times to each bureau. I have also spoken directly with customer-service representatives and managers who confirmed receipt and accuracy of my documents. Despite this, the bureaus have only partially removed some accounts, leaving behind late payments, high balances, inquiries, and derogatory remarks tied to the same fraudulent accounts.

The law requires that, once a consumer provides proper proof of identity theft, the bureaus must block all fraudulent information within four ( 4 ) business days ( FCRA 605B ). The failure to fully delete and block these items constitutes willful non-compliance under FCRA 1681n and/or negligent non-compliance under 1681o. 

The following accounts and inquiries remain inaccurately reported despite my valid identity-theft filings : XXXX / XXXX XXXX payments and derogatory information remain. 
XXXX XXXX XXXX XXXX ( XXXX ) Should be deleted ; balance must be {$0.00}. 
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX confirmed no authorized-user reporting XXXX XXXX XXXX  has XXXX removed accounts and late payments on their end. 
XXXX XXXX  ( XXXX ) Still showing high balance and inquiries. 
XXXX XXXX Fraudulent account remains. 
U.S. Bankruptcy Should be deleted as identity-theft-related. 
Closed accounts Still reporting high balance, falsely implying I owe money. 
Improper inquiries XXXX XXXX, XXXX, XXXX XXXX. 

These bureaus were legally obligated to remove and block this information but have failed to do so even after more than 30 days. Their continued reporting is damaging my credit reputation and preventing me from obtaining fair access to credit.

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