vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
The issue is not with a company except the XXXX XXXX company itself -- Citi Mastercard. The problem is a fraudster calling itself XXXX which is not an actual company somehow obtained my XXXX XXXX number and has been able to put through a charge of {$19.00} every month now for close to XXXX months. Each time this charge has posted, we have disputed it, and the charge has been refunded. We have asked Citi to block this XXXX XXXX XXXX from posting charges to our account but they say the only thing that can be done is to cancel the card. We do not want to do this as we have multiple legitimate XXXX which we pay with this card, and canceling this card for a new card would not solve the general problem of phony " XXXX  '' posting invalid charges over and over to our credit card ( XXXX ). We are asking CFPB to intervene to widen the policy and response of XXXX XXXX companies like Citi so they can block fraudsters while still allowing the consumer to maintain a valid XXXX XXXX XXXXn service.

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 2025-06-04 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:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Theres a unauthorized credit card account from XXXX schools and government on my credit report. It needs to be removed immediately.

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 2025-06-04 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: WA

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-04 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: MN

Complaint narrative:
there's alot addresses, and phone that incoorect that on my reports, that need to be remove also a lot of student loans need to remove also

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 2025-06-04 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: MD

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

Company 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 2025-06-04 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:
Experian Dispute ( 3rd Time ) : Report # XXXX - Investigation ID : XXXX ( XXXX XXXX ) My XXXX  Checking Account was setup to AUTO PAY all my XXXX creditors, including XXXX XXXX ( XXXX  ). 

My SS # was found on the Dark Web via Data Breach ( XX/XX/year> See Below ). 

I called XXXX XXXX XXXX. on XX/XX/year> and was advised to change to New Checking ACC # -- -- and move all CASH immediately. DONE. 

Had to contact all XXXX creditors + SS and changed to New XXXX Check XXXX # -- --, XXXX  was last creditor. Before I knew it XXXX  had done an ACH Debit to XXXX  XXXX Check XXXX # -- -- ( CLOSED ). 

I was notified of late payment and immediately paid XXXX  balance from NEW Check XXXX # -- --. XXXX  jumped the gun and reported my 1 Late Payment to Experian. It was a Timing issue. Never late before to XXXX  due to AUTO PAY. 

RESULT. My Credit Score, normally XXXX, fell XXXX points to XXXX. THAT REALLY ANGERED ME, XXXX late payment potentially for 7 years. 

Ive always had EXCEPTIONAL CREDIT and dont want to have to rebuild. 

Can CFPB get Experian to RESTORE my XXXX XXXX back to the XXXX? 
=============================================== Important : Your Social Security Number was found on the Dark Web XX/XX/year> at XXXX XXXX  Experian XXXX XXXX To : XXXX XXXX XXXX, Experian IdentityWorks detected a match to your Social Security Number.

Found : Social Security Number Found on Dark Web Potentially Breached Site : nationalpublicdata.com Personal information exposed on the dark web does not necessarily mean your info has been used fraudulently. We recommend you take the following proactive steps to prevent any potential risk : Place a fraud alert on your credit file as soon as possible at Experian.com/fraud or by calling XXXX. 
Place a freeze on your credit file at all three credit bureausExperian, XXXX  XXXX XXXX. 
Review your credit report from all three bureaus and report any activity you dont recognize. Request a copy of your latest credit reports by visiting XXXX. 
Review resources available at the Social Security Administration online by visiting SSA.Gov/Fraud. 
Monitor your credit card and bank accounts for suspicious transactions and notify the financial institution if you notice anything suspicious. 
Note : Large data breaches often lead to multiple alerts of exposed personal information, as information is exposed in a variety of combinations. 
Log in to view more details about the alert and additional recommended actions you can take. 
Experian IdentityWorks Customer Care

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 2025-06-04 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: WI

Complaint narrative:
I am disputing the XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is being reported as a charge-off on my credit report. After carefully reviewing the information, I found multiple inaccuracies, and I have not received any supporting documentation or verification from the creditor that justifies the reporting of this account. 

I am requesting a full investigation, and if the creditor can not provide proper verification such as the original contract, a full payment history, and any documentation supporting the current balance I respectfully request the removal of this account from my credit report.

To support my identity and this claim, I have attached the following : - A copy of my government-issued ID - A recent utility bill showing my current address - A copy of my credit report showing the disputed account - A copy of the letter I sent to the credit bureaus Please review this case thoroughly. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I expect this matter to be handled promptly and fairly.

Thank you for your time and attention.

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 2025-06-04 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: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation plus you filed a fake lawsuit without any investigation and caused me emotional distress. I would like this account to be immediately reinvestigated these inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and address of the business address with whom you verified the above, So I may follow Up, Please forward me updated credit report after you have completed your investigations and corrections. Your cooperations and prompt attention are greatly appreciated. TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Experian Account Name : XXXXXXXX XXXX  Account Number : XXXX Equifax Account Name : XXXX XXXX  Account Number XXXX XXXX Now Named : Experian Account Name : XXXX  Account Number : XXXX TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account Name : XXXXXXXX XXXX Account Number XXXX XXXX THE ACCOUNT IS UNVERIFIED AND WAS DELETED AROUND XXXX AFTER DISPUTED WITH CREDIT BUREAUS. UNVERIFIED ACCOUNT WAS PUT BACK ON MY CREDIT REPORT RECENTLY AFTER VIEWING MY REPORT. DELETE THE UNVERIFIED ACCOUNT IMMEDIATELY OTHERWISE I WILL BE FILING THE FEDERAL LAWSUIT AGAINST ALL 3 BUREAUS INCLUDING XXXX FOR FRIVOLOUS ACTS. NEED IMMEDIATE DELETION. CFPB SHOULD TAKE NOTICE OF THESE REPORTINGS CAREFULLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation plus you filed a fake lawsuit without any investigation and caused me emotional distress. I would like this account to be immediately reinvestigated these inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and address of the business address with whom you verified the above, So I may follow Up, Please forward me updated credit report after you have completed your investigations and corrections. Your cooperations and prompt attention are greatly appreciated. TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Experian Account Name : XXXXXXXX XXXX  Account Number : XXXX Equifax Account Name : XXXX XXXX  Account Number XXXX XXXX Now Named : Experian Account Name : XXXX  Account Number : XXXX TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account Name : XXXXXXXX XXXX Account Number XXXX XXXX THE ACCOUNT IS UNVERIFIED AND WAS DELETED AROUND XXXX AFTER DISPUTED WITH CREDIT BUREAUS. UNVERIFIED ACCOUNT WAS PUT BACK ON MY CREDIT REPORT RECENTLY AFTER VIEWING MY REPORT. DELETE THE UNVERIFIED ACCOUNT IMMEDIATELY OTHERWISE I WILL BE FILING THE FEDERAL LAWSUIT AGAINST ALL 3 BUREAUS INCLUDING XXXX FOR FRIVOLOUS ACTS. NEED IMMEDIATE DELETION. CFPB SHOULD TAKE NOTICE OF THESE REPORTINGS CAREFULLY.

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 2025-06-04 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: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation plus you filed a fake lawsuit without any investigation and caused me emotional distress. I would like this account to be immediately reinvestigated these inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and address of the business address with whom you verified the above, So I may follow Up, Please forward me updated credit report after you have completed your investigations and corrections. Your cooperations and prompt attention are greatly appreciated. TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Experian Account Name : XXXXXXXX XXXX  Account Number : XXXX Equifax Account Name : XXXX XXXX  Account Number XXXX XXXX Now Named : Experian Account Name : XXXX  Account Number : XXXX TransUnion Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Equifax Account Name : XXXXXXXX XXXX Account Number XXXX XXXX THE ACCOUNT IS UNVERIFIED AND WAS DELETED AROUND XXXX AFTER DISPUTED WITH CREDIT BUREAUS. UNVERIFIED ACCOUNT WAS PUT BACK ON MY CREDIT REPORT RECENTLY AFTER VIEWING MY REPORT. DELETE THE UNVERIFIED ACCOUNT IMMEDIATELY OTHERWISE I WILL BE FILING THE FEDERAL LAWSUIT AGAINST ALL 3 BUREAUS INCLUDING XXXX FOR FRIVOLOUS ACTS. NEED IMMEDIATE DELETION. CFPB SHOULD TAKE NOTICE OF THESE REPORTINGS CAREFULLY.

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 2025-06-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
After paying 16 years of our 30 year mortgage my husband and I owe {$110000.00} of our original {$180000.00} loan. We would like to pay an additional {$50000.00} towards our principal balance to reduce what we owe to {$65000.00} but Carrington Mortgage Services is denying our right to pay an additional {$50000.00} toward our principal balance. 

I have a screen recording -- as well as a screenshot -- of my attempt to pay an additional {$50000.00} toward our principal balance proving that Carrington Mortgage Services would not allow us to make our intended payment. According to Carrington Mortgage Services their policy is to only allow additional principal payments of {$9900.00} to be applied to the principal balance. 

Since my husband and I do not trust Carrington Mortgage Services we researched the laws regarding additional principal payments and confirmed that mortgage companies are not supposed to limit the amount of additional principal payments. We feel our rights have been violated and would like to file a complaint against Carrington Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/scrub> 2025, I requested a {$13000.00} balance transfer from Citi with 0 % interest until XXXX. Consequent months, I continued using my credit card and paid my purchases in full ( and some extra money ). Still, I was was being charged interest. I called multiple times, and only after XXXXXXXX XXXX on the phone with XXXX different Citibank Representatives, someone was finally able to explain to me why I was charged interest. Apparently, the Bank suddenly starts charging daily interest in the purchases you make with the card, even if you pay the purchases in full each month to the card, and even if before ( without the balance transfer ) Citi would not charge interest when you pay the purchases in full. I find this quite deceptive, as I was not explained earlier that I would accrue interest on purchases suddenly, while usually I would not be charged for those if you pay them in full. So when you take a 0 % APR balance transfer, they may not charge you interest on that, but suddenly Citi starts charging you interest on something else that they had never charged you interest on before. They say that this was part of the terms and conditions of the balance transfer, but I feel it was not clearly, understandably and transparently communicated, that this was a sudden CHANGE, something new that was introduced to suddenly charge interest on what they would not do before. The total interest charged was apprx. {$400.00} and I received around half of it back as a courtesy. I feel it is an unethical practice and I would not want other people to become the victim of such deceptive practices. I wonder whether others have the same experience and if a class action lawsuit could make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief