vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I redeemed my Citicards rewards cash of approximately {$560.00} online in late XXXX or early XXXX. On XX/XX/XXXX I called customer service as I had not received my rewards check payment and about 2 months had elapsed. They confirmed the check was NOT cashed at that time and that a new check would be sent out and that I should receive it within a couple of weeks. On XX/XX/XXXX I again called Citi customer service as I had still NOT received a check for my rewards cash balance. Once again I was told a check would be sent out. I informed the representative that if I did not receive a check within a week that I would file a complaint as it has been in excess of 3 months since I made my rewards redemption submission. As of today, XX/XX/scrub> 2025, I have still NOT received payment and thus am submitting this complaint against Citicard.

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 2025-09-02 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: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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  Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I identified several serious inaccuracies and misleading entries that are negatively impacting my credit profile. Both TransUnion and Equifax are reporting XXXX charged-off accounts, XXXX with XXXX XXXX XXXXXXXX  originally opened in XXXX and another with XXXX XXXX XXXX originally opened in XXXX, with an alleged balance of {$25000.00}. These accounts are being reported as charged-off or bad debt, yet the information is outdated, inconsistent across bureaus, and unverifiable. TransUnion is also reporting a recent inquiry from XXXX XXXXXXXX XXXX that occurred only XXXX days prior, which was not authorized by me. In addition, Equifax is reporting multiple variations of my name, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with outdated addresses from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, none of which should be associated with my current identity or credit file. These inaccurate accounts, inquiries, and personal details have been allowed to remain on my reports despite being in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy, completeness, and verifiability of all information they report. I am formally disputing these items and demanding their immediate removal or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 identified several serious inaccuracies and misleading entries that are negatively impacting my credit profile. Both TransUnion and Equifax are reporting XXXX charged-off accounts, XXXX with XXXX XXXX XXXXXXXX  originally opened in XXXX and another with XXXX XXXX XXXX originally opened in XXXX, with an alleged balance of {$25000.00}. These accounts are being reported as charged-off or bad debt, yet the information is outdated, inconsistent across bureaus, and unverifiable. TransUnion is also reporting a recent inquiry from XXXX XXXXXXXX XXXX that occurred only XXXX days prior, which was not authorized by me. In addition, Equifax is reporting multiple variations of my name, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, along with outdated addresses from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, none of which should be associated with my current identity or credit file. These inaccurate accounts, inquiries, and personal details have been allowed to remain on my reports despite being in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy, completeness, and verifiability of all information they report. I am formally disputing these items and demanding their immediate removal or 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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

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 2025-09-02 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-02 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> i received another phone call from a time employee stating that there was a {$840.00} transaction that was tried in XXXX XXXX. This was the same person or the same people who did this back in XX/XX/XXXXXXXX XXXX XXXX  I actually recorded the call by transcript. I sent that information to chime once I reported it and the investigation took about XXXX hours if that and they denied me again stating that there was no error that has occurred. I do not feel as though my account is secure at all and they have no plans of securing my account until someone whom I think is an employee empties it out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: OR

Complaint narrative:
Please accept this complaint against XXXX XXXX XXXX and its lender, Exeter Finance, for unlawful trade practices, bad-faith financing tactics, and harassing behavior. I have detailed the facts below and attached supporting documentation. 


Executive Summary XXXX XXXX XXXX and Exeter Finance have employed a pattern of delay tactics, shifting document demands, baseless repossession threats, and outright refusal to honor my rescinded contract. Their conduct has cost me {$1000.00}, wasted weeks of my time, jeopardized my professional reputation, and exposed me to harassingand potentially discriminatorytreatment. I respectfully request your swift intervention under Oregons Unlawful Trade Practices Act ( ORS 646.608 et seq. ) to secure full redress. 

Chronology of Events XX/XX/XXXX Purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ). 
P

aid a {$1000.00} deposit and applied for financing through Exeter Finance.

XXXX XXXX XXXX Finance Manager XXXX XXXX demanded : Recent pay stub and phone interviews for me and my colleague. 
I promptly provided : SSN verification, XXXX tax returns, XXXX pay statement, higher-salary job offer letter, and my colleagues supervisor contact. 
XXXX warned : If this isnt funded by Monday, theyre sending it back. 
XX/XX/XXXX XXXX at XXXX threatened to tow the vehicle without legal basis. 
Discovered XXXX failed to supply Exeters required reference number, stalling loan processing. 
I emailed XXXX and XXXX demanding the correct contact email, protesting threats, and noting discriminatory undertones. 
XX/XX/XXXX XXXX declared the loan fell through and Exeter would not fund. 
Daily requests for my {$1000.00} deposit refund were refused ; XXXX claimed they dont keep that kind of cash or check on premises. 
XX/XX/XXXX Returned the XXXX XXXX XXXX per XXXX instruction. 
I emailed XXXX : Under our rescission for lack of financing, Im entitled to my full {$1000.00} deposit back by XX/XX/XXXX. 

Legal Violations & Consumer Harm 1. Unlawful Trade Practices ( ORS 646.608 ) : XXXX refusal to refund my rescinded deposit, combined with deceptive demands and coercive threats, violates Oregon law. 
2. Bad-Faith Obstruction : Exeters withholding of a required reference number blocked timely processing despite my complete documentation.

3. Harassment & Potential Discrimination : Threats of repossession without court order, unfounded accusations, and insinuations regarding my firms integrity constitute abusive, discriminatory conduct.

Resulting Damages Out-of-pocket loss of {$1000.00} Weeks of lost time, stress, and emotional distress Damage to my professional reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
Subject : Complaint Regarding Held International Wire Transfer Bank of New York Mellon XXXX XXXX  XXXX XXXX I am a consumer based outside the U.S. and wish to file a complaint regarding mishandling of an international wire transfer by Bank of New York Mellon ( XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX. 
Transfer amount : USD XXXX Date : XX/XX/year> Originating Bank : XXXX XXXX Bank ( SAB ) XXXX  Banks : XXXX XXXX XXXX Bank : XXXX XXXX XXXX Bank ( XXXX ) Status : Funds never reached XXXX. XXXX sent a XXXX  XXXX recall to XXXX  on XX/XX/year>, but XXXX  has failed to return the funds or provide any explanation. 

This prolonged holding of funds ( over 1 month ) without communication violates international banking standards and has caused significant financial harm ( these funds were tuition fees for my childrens schooling ). 

I request CFPB to review XXXX and XXXX  handling of this transaction and ensure the immediate return of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Someone said they were interesting in buying something and then someone claiming to be from XXXX, stating my account was locked and they both asked me to send a certain amount of money to get it unlocked and pay this other person back in which I never sent or received anything. Then they asked me to send a large amount of money to get the precious money back. My husband noticed it was a scam and not real and requested information and to get it back and the impersonator of XXXX insisted on a large amount of money again and we hung up. Locked everything but kept getting calls and text messages even after blocked, to this day. Look for anything that says kindly, its a total scam. I felt taken advantage since I have a learning XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation