vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Subject : Final Notice Citizens Pay ( Citizens Bank ) Continues to Illegally Report Inaccurate Account Information Creditor/Furnisher Name : Citizens Pay XXXX Citizens Bank , N.A. 
Issue Type : Inaccurate Credit Reporting / FCRA Violations Affected Bureaus : XXXX XXXX XXXX Summary of Complaint : This is a final demand before litigation regarding Citizens Pay 's continued unlawful credit reporting practices. Despite previous disputes, Citizens Pay continues to furnish inaccurate, unverifiable, and misleading information to the credit reporting agencies in violation of federal law. 

Key Facts : The Citizens Pay account has been deleted and reinserted multiple times without the required notice or certification of accuracy. 

The balance and account status have changed repeatedly, despite no legitimate contractual obligation or verification. 

I have disputed this account in writing under my rights in the FCRA, but Citizens Pay failed to conduct a reasonable investigation or permanently remove the account. 

These actions appear to be deliberate and reckless, and are causing ongoing harm to my credit reputation, score, and ability to obtain fair financial opportunities. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failure to conduct a proper reinvestigation and delete inaccurate information.

FCRA 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted data without proper procedures or notice. 

Potential UDAP violations for deceptive furnishing practices. 

Relief Sought : I am requesting the immediate and permanent deletion of this account from all credit reports. If this matter is not resolved, I am fully prepared to initiate litigation or arbitration and will seek all available remedies, including : Actual and statutory damages under the FCRA Punitive damages for willful misconduct Legal costs and equitable relief Citizens Pay has had multiple opportunities to correct this and has failed. This complaint is filed as a final warning before formal legal action is initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I paid my card in full on XX/XX/XXXX. The card company took my money but has yet to give me access to the credit available. I called and asked when it would be available and was told not until after XX/XX/XXXX. I asked why and they didnt give me an answer. They have my money.... I have no credit available. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to dispute the accuracy of a negative entry appearing on my Experian credit report. This letter serves as a formal traditional dispute request regarding late payment information reported for the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$530.00} Dispute Reason : I believe the reported late payment is inaccurate. I made my payments on time and suspect this may be a case of delayed payment posting or internal processing error. I respectfully request that Experian conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of this account 's payment history. If the creditor is unable to verify the late payment with proper documentation, I request that the entry be corrected or removed from my credit file.

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 2025-06-18 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PR

Complaint narrative:
This letter is a formal dispute and request for reinvestigation under 15 U.S.C. 1681i of the Fair Credit Reporting Act. I am disputing the accuracy and/or completeness of the following account ( XXXX ) listed on my credit report. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in : XXXX / XXXX Issue : Inaccurate delinquency and past-due balance reporting XXXX. XXXX, XXXX. 
Accounts Ending in : XXXX, XXXX, XXXX, XXXX, XXXX Issue : Accounts reporting as late, charged-off, or first payment never received despite inconsistencies in balance history and due date compliance Legal Grounds for This Request : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation of the above-listed information. This includes contacting the original creditor or information furnisher and verifying the accuracy and validity of the reported data. 

If you can not verify the information within XXXX  days of receipt of this dispute, as per the law, you must delete the item ( XXXX ) from my credit report. 

Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable, inaccurate, or outdated information must be permanently removed from my credit file. 

Required Action : Reinvestigate the listed items Provide written results of your reinvestigation Send an updated credit report reflecting any changes Remove any unverifiable or incorrect information Notify any company that requested my report in the last XXXX months if any changes are made ( per 1681i ( d ) )

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 2025-06-18 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: PR

Complaint narrative:
This letter is a formal dispute and request for reinvestigation under 15 U.S.C. 1681i of the Fair Credit Reporting Act. I am disputing the accuracy and/or completeness of the following account ( XXXX ) listed on my credit report. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in : XXXX / XXXX Issue : Inaccurate delinquency and past-due balance reporting XXXX. XXXX, XXXX. 
Accounts Ending in : XXXX, XXXX, XXXX, XXXX, XXXX Issue : Accounts reporting as late, charged-off, or first payment never received despite inconsistencies in balance history and due date compliance Legal Grounds for This Request : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation of the above-listed information. This includes contacting the original creditor or information furnisher and verifying the accuracy and validity of the reported data. 

If you can not verify the information within XXXX  days of receipt of this dispute, as per the law, you must delete the item ( XXXX ) from my credit report. 

Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable, inaccurate, or outdated information must be permanently removed from my credit file. 

Required Action : Reinvestigate the listed items Provide written results of your reinvestigation Send an updated credit report reflecting any changes Remove any unverifiable or incorrect information Notify any company that requested my report in the last XXXX months if any changes are made ( per 1681i ( d ) )

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 2025-06-18 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: SC

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

1681c-2 ) that you, the XXXX 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. 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 SC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, XXXX : {$120.00}

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 2025-06-18 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I am filing a formal complaint regarding two of my federal student loan accounts that have recently begun reporting 120-day late payment statuses on my credit reports. This information is completely inaccurate and was reported without any prior notification or communication from my loan servicer. I was not made aware of any delinquency, nor did I receive any warning, notice, or correspondence about late payments being reported. In fact, I only became aware of this change when I noticed the derogatory marks on my credit report and began researching online. I found that the federal student loan COVID-19 payment pause, which began in XX/XX/XXXX, ended in XX/XX/XXXX. Additionally, the Department of Education offered an on-ramp period to ease borrowers back into repaymentthis program ended in XX/XX/XXXX. During that on-ramp period, missed payments were not supposed to be reported as delinquent, and borrowers were protected from credit damage. According to the U.S. Department of Education and multiple published sources, late payments should not have been reported to the credit bureaus during that on-ramp grace period. I have never been 120 days late on my student loan payments. These delinquencies were reported without any opportunity to cure, without notice, and without merit. This reporting is not only harmful to my credit but also in clear violation of the Fair Credit Reporting Act ( FCRA ) and federal guidance regarding student loan reporting. I demand that both accounts be immediately updated to reflect a " Paid as Agreed, Never Late '' status and that the 120-day late payment marks be permanently removed from all credit bureaus. These accounts were in compliance during the forbearance and on-ramp periods, and reporting otherwise is not only incorrect, but also misleading and illegal. Please investigate this matter promptly and provide confirmation that the inaccurate information has been deleted and the accounts updated correctly. Failure to resolve this issue will result in legal action and formal complaints to additional regulatory agencies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reached out to Experian in reference to a XXXX XXXXXXXX bankruptcy discharged on my credit report. I asked for the documentation to be submitted to me of whom did they receive this information from in order to put this on my credit report and they have been unsuccessfully in supplying me with the information has requested.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was recently frauded by a scam loaning institution online because of this scam My primary bank account at Wells Fargo that had been in good standing for over 9 years chose to close my account and because of this they refused to give me the money I had left in my account following the {$410.00} scam I had to pay they said the only way to get the rest of the money from my account which by the way is social security disability and my soul income was to appear at a bank branch the nearest bank branch was in another state or clear in XXXX as I live in the XXXX XXXX  of Illinois and was not at all possible without any money awaiting payday so they said they would mail a paper check they talk to me at least a dozen times that I pled and explained and begged very quietly and kindly but that was my only money and I did not have the means to go to a bank branch and that could they please give me a one-time courtesy so I can transfer my money out of the account they still refused because of their bad judgment I was in my car for over 2 weeks with no gas little food far away from family in the heat without a shower awaiting for that paper check to come they knew the situation and they were well aware of it they could have transferred the money and they chose not to and then on top of all that they waited another 9 days before they put it in the mail today is the XXXX of XXXX and it just arrived yesterday were ordinarily I would have had it by the 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 2025-06-18 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
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 2025-06-18 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: FL

Complaint narrative:
The reporting of this account is a violation of my rights under 15 U.S. Code 1681s-2, because I was never given any written notice about the account before it was added to my credit report. I dont agree with this debt, and Im requesting that it be removed from my credit file immediately.

On top of that, my rights under 15 U.S. Code 1681b ( 2 ) were violated because the account was reported without my permission, and my Social Security information was used without my consent. Since I am a victim of identity theft, 15 U.S. Code 1681c-2 requires that this fraudulent information be blocked from my credit report.

Lastly, under 15 U.S. Code 1681a ( 4 ), I have a right to privacy. That right was clearly violated when this information was reported without my authorization.

I am asking that you correct this issue by removing the fraudulent account and respecting my rights as required by 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 explanation
Consumer complaint received 2025-06-18 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: AZ

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

1681c-2 ) that you, the XXXX 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. 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 XXXX, AZ XXXX INQUIRIES XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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 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 2025-06-18 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-18 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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