vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Absolute Resolutions I is illegally re-aging a previously removed XXXX XXXX XXXX XXXX account. 

The original Date of First Delinquency was in XXXX, and the account aged off my credit reports in XXXX as required under FCRA 605 ( a ) ( 7-year reporting limit ). 

I have documentation showing the original XXXX XXXX account was deleted from my reports ( attached ). 

However, Absolute Resolutions is now reporting a new Date Opened of XX/XX/XXXX, which is false and constitutes illegal re-aging, in violation of : FCRA 605 ( a ) reporting time limit FCRA 623 ( a ) ( 5 ) failure to report correct Date of First Delinquency FDCPA 807 ( 2 ) ( A ) misrepresentation of the legal status of a debt I am requesting immediate deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting a complaint regarding unfair and misleading practices on my Citibank Best Buy credit card I recently discovered that my account was {$650.00} over my credit limit with a minimum payment of {$800.00} due. When I contacted customer service, I was told I had a XXXX promotional purchase, something I never knowingly agreed to. Only {$100.00} of my payments over XXXX  months were applied to the promotional balance, as payments are applied to other charges first. This allocation policy was never clearly disclosed, and it has resulted in excessive interest charges that now exceed the original purchase amount. 

Attempts to resolve the issue with Citibank Best Buy were unsuccessful. The call center XXXX ( XXXX XXXX was dismissive and refused to help, focusing only on when I could make the {$800.00} payment. 

I request the XXXX assistance in obtaining : A full review of the promotional balance and how payments were applied Removal of any over-limit, excessive interest, or unfair charges Application of all payments over the past XXXX  months toward the promotional balance A clear explanation of how payments are allocated and how my current minimum payment was calculated I made my original purchase at the XXXX, Illinois Best Buy store. I am seeking a fair and transparent resolution. 

Thank you for your attention. 

Sincerely,

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 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I was the victim of fraud and they allowed a person to order a new phone to an address that was not mine, while i currently had internet provided to my ACTUAL address on the same account. I have lived there since XXXXXXXX XXXX XXXX and had all my bills there since, as well as internet service from them. XXXX XXXX  passed this onto collection agencies preventing me from buying a house, despite me telling them this was fraud. 

XXXX has repeatedly sent different collection agencies after me, despite receiving proof of my residence, the police report, and seeing that my service was at my actual home- while this phone was sent somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting updates on my credit report to ensure accuracy and compliance with federal standards. Specifically, outdated addresses that are no longer associated with my current residence. These entries were during the data breach and is no longer relevant to my credit profile. I am also formally disputing all hard inquires on my credit report that appear to be inaccurate, incomplete, or other personal identifiers without my wet signatures to give permission to have my personal information and that do not reflect on my actual credit activity. This request is made in accordance with the FCRA, which guarantees my right to dispute and correct information that is inaccurate or obsolete. I am submitting this request to ensure my credit file reflects only verified and current information.

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 2025-11-09 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: GA

Complaint narrative:
I am requesting updates on my credit report to ensure accuracy and compliance with federal standards. Specifically, outdated addresses that are no longer associated with my current residence. These entries were during the data breach and is no longer relevant to my credit profile. I am also formally disputing all hard inquires on my credit report that appear to be inaccurate, incomplete, or other personal identifiers without my wet signatures to give permission to have my personal information and that do not reflect on my actual credit activity. This request is made in accordance with the FCRA, which guarantees my right to dispute and correct information that is inaccurate or obsolete. I am submitting this request to ensure my credit file reflects only verified and current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
Sunday, XX/XX/XXXX @ XXXX XXXX  My pay repayment {$30.00} which I dont owe Additional {$5.00} mysteriously missing with no explanation in my account listed Yet I had just deposited {$35.00} @ XXXX XXXX  on XXXX, XX/XX/XXXX At the time Im submitting this complaint Im on hold and have been for XXXX minutes waiting for yet another chime representative. 

On XXXX, XX/XX/XXXX @ XXXX XXXX  I had deposited {$57.00} and they immediately took {$6.00} for my pay advance fees and {$46.00} my pay repayment which I didnt owe. 
I called in and spoke with an agent and then her supposed XXXX  who assured me that they dont have any capacity for reversal of transactions and that the repayment obligations are in fact completed On XXXX, XX/XX/XXXX they had refunded me the following.

3 amounts of {$2.00} each for my pay advance fees {$94.00} and {$26.00} my pay repayment reversal Plus a {$6.00} courtesy credit Bear in mind that they currently have multiple lawsuits against them for this very reason. 
If you have in fact returned said money to me and you admit that I have not used this service since XXXX of XXXX then how come do you think you have any right to my money?!? 

I want to file charges against them. 

XXXX XXXX on social security retirement benefits and cant afford to let them go unpunished for their theft and fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi card simplicity card opened fraud has occurred on balance transfer was charged XXXX for balance transfer did not happen from me. The company will not work with me keep sending me bills phone calls daily not able to clear this matter up that fraud took place on this card.I refuse to pay this card I never received or activated it and never used it to begin with the company is holding me responible for fraud that happened.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: IL

Complaint narrative:
XXXX in an approved hardship program with autopay set up for {$410.00} per month through XXXX. My payment was made on time, but posted late because XX/XX/XXXX fell on a weekend. This should not have been reported as XXXX  days late. XXXX  like this negative mark corrected with all credit bureaus

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This collection is inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 611 ( 15 U.S.C. 1681i ), which require furnishers to report only verified information and to investigate factual disputes.

I have requested validation for over 90 days and have never received any written notice as required by 15 U.S.C. 1692g ( FDCPA ). 
Per XXXX XXXX Compliance Manual 4.3.1, a data furnisher must not continue to report a debt that remains unverified or lacks documentation.

Because LVNV Funding has failed to provide evidence of ownership or a valid contract, this reporting constitutes willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, I filed an FTC Identity Theft Report regarding XXXX Capital One accounts reflected on my credit profile. XXXX account balance is {$8600.00} and the other account balance is {$8900.00} in which I do not own these accounts. In addition, on XX/XX/year>, I submitted a dispute letter to the credit bureaus informing them that I am a victim of Identity theft in which they have neglected to remove these accounts from my credit report. I am requesting assistance with removing these accounts as they are having a negative impact on my life and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: IL

Complaint narrative:
XXXX in an approved hardship program with autopay set up for {$410.00} per month through XXXX. My payment was made on time, but posted late because XX/XX/XXXX fell on a weekend. This should not have been reported as XXXX  days late. XXXX  like this negative mark corrected with all credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
I am the Personal Representative and confirmed successor in interest for the XXXX of XXXX XXXX XXXX ( deceased XX/XX/XXXX ). The mortgage on the estate property ( LoanDepot XXXX XXXX. XXXX ) is owned by XXXX XXXX. 

Since XX/XX/XXXX, I have repeatedly tried in good faith to communicate with LoanDepot regarding temporary hardship assistance or forbearance for the XXXX while probate is in progress. Despite providing every required documentincluding certified Letters of Appointment, the recorded deed, and XXXX formal Letters of Forbearance ( dated XX/XX/XXXX and XX/XX/XXXX ) LoanDepot continued to state that no assistance was available unless I personally assumed the loan. 

On XX/XX/XXXX, I submitted a formal Qualified Written Request ( QWR ) under RESPA / Regulation X ( 12 C.F.R. 1024.35 and 1024.36 ) asking for : The investor/servicer policies requiring assumption before assistance ; The XXXX XXXX XXXX LoanDepot guideline citations relied upon ; XXXX notes and correspondence regarding my prior requests ; and The name and title of the staff reviewing the file. 
The QWR was delivered XX/XX/XXXX ( XXXX confirmed ), and LoanDepot sent only a brief acknowledgment XX/XX/XXXX but has not provided the required written response or any of the requested information within the statutory time frame. 

The XXXX and heirs have personally paid over {$22000.00} since the borrowers death to keep the loan current while waiting for LoanDepot to comply. The servicers refusal to communicate with the Estate, delay in addressing a valid QWR, and requirement of loan assumption appear to violate both RESPA 2605 ( e ) and Freddie Mac Servicing Guide 8406 & 9206. 


Supporting evidence, including the full correspondence record, certified proof of delivery, and LoanDepots acknowledgment letter, is attached in the XXXX Complete Complaint Packet Estate of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate or incomplete information appearing on my credit report. Specifically, my [ address and/or phone number ] is not being reported or is missing from my credit file. This issue has caused confusion and may affect my ability to verify my identity or obtain credit. My current address and/or phone number is not listed, despite being accurate and up to date. I have contacted the credit bureaus to request correction, but the issue remains unresolved. I am requesting that the CFPB review this matter and ensure that the credit reporting agencies investigate and correct the omission of my personal identifying information as required under the Fair Credit Reporting Act ( FCRA ). 

Please contact me if additional information or documentation is needed to resolve this issue. 

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 2025-11-09 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate or incomplete information appearing on my credit report. Specifically, my [ address and/or phone number ] is not being reported or is missing from my credit file. This issue has caused confusion and may affect my ability to verify my identity or obtain credit. My current address and/or phone number is not listed, despite being accurate and up to date. I have contacted the credit bureaus to request correction, but the issue remains unresolved. I am requesting that the CFPB review this matter and ensure that the credit reporting agencies investigate and correct the omission of my personal identifying information as required under the Fair Credit Reporting Act ( FCRA ). 

Please contact me if additional information or documentation is needed to resolve this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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