vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received an email from Citi saying i had a past due balance on an account ending in XXXX. I am unaway of any past due accounts with City. to my knowledge, no previous notice was provided. I do have Citi credit cards, so I checked their website. I saw no past due notices or any card with an account number ending in XXXX. I used the chat feature and chatted with an agent who confirmed there is no record of a Citi account ending in XXXX. However, he refused to confirm whether or not the email message was valid. That left me uncertain whether I have a past-due balance, the amount, or whether interest and penalties have been charged. The email bore a " Best Buy '' logo along with the Citi logo. I tried the link in the email, and it appears that it took me to a Best Buy site. However, before it would give me any helpful information, I had to give the full account number. Of course, I did not have that. It also offered to allow me to make a payment, but I could find no access to a statement. Had I chosen to make the payment, I would first have had to give my full Social Security number, which I was not inclined to do. At this time, I do not know if this email is fraudulent or whether I owe some unknown past due balance.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
Issue : Failure to investigate and provide verification under FCRA 1681i. 
Timeline : On XX/XX/year> I sent Equifax a certified Final Notice dispute demanding verification or deletion of a bankruptcy public record ( filed XX/XX/year> ) and a XXXX XXXX XXXX tradeline ( account starting XXXX ). Equifax received the letter on XX/XX/year> but has not provided any verifier documentation as of XX/XX/year>. 
Violation : FCRA 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to conduct a reasonable reinvestigation and failure to provide method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am personally filing this dispute regarding inaccurate delinquency entries that have appeared on my credit file. After conducting a careful analysis of my credit report, I have identified these erroneous late payment notations that need immediate correction. My previous correspondence submitted more than thirty days ago has gone unanswered, and no adequate proof has been furnished to substantiate these disputed negative marks. I am seeking your direct involvement to quickly and effectively resolve this credit reporting error.

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 2025-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts, inquiries, and a bankruptcy entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
i seen it on my credit report and contacted the conpany asking for verification the fcra grants me a full investigation can you please remove it from my reports

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 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i seen it on my credit report and contacted the conpany asking for verification the fcra grants me a full investigation can you please remove it from my reports

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 2025-10-06 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, duplicate employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major distress and XXXX for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Bank errors in billing and reporting on two accounts have negatively impacted my credit. In accordance with TILA ( 15 U.S. Code 1666 ( b ) ), creditors must ensure accurate reporting of payments and credits ; however, payments I made were not correctly recorded, and there are clear miscalculations in both accounts reported amounts. Additionally, I did not receive the required 21-day notice before payments were due, making any late payment marks invalid. These reporting errors violate federal law and have unfairly harmed my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has nothing to do with me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DE

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the following inaccurate and/or unverifiable entries appearing in my Experian file : 1. Public Record : Type : XXXX XXXX Bankruptcy Discharged Filed : XXXX : XX/XX/year> Court : U.S. Bankruptcy Court, XXXX GA XXXX. Related Accounts Still Reporting Bankruptcy or Charge-Off Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the following inaccurate and/or unverifiable entries appearing in my Experian file : 1. Public Record : Type : XXXX XXXX Bankruptcy Discharged Filed : XXXX : XX/XX/year> Court : U.S. Bankruptcy Court, XXXX GA XXXX. Related Accounts Still Reporting Bankruptcy or Charge-Off Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I originated a loan with Wells Fargo in XXXX of XXXX. At that time I set up 2 payment each month to apply 1 months worth of payments to mortgage priciple each year. In XXXX of XXXX I was informed that my position at work was being eliminated. In an effort to control my spending while I figured out my finances, I ended the additional payment by making the change online on the companies website. I received a call in XXXX from XXXX informing me that I needed to restart automatic payments in order to take advantage of a discount on my mortgage. I was given a number and told what to say to get the automatic payments restarted. I did this, with my wife present, and set up a once a month payment for the normal payment amount ( and no extra payments to go towards principle. ) When my payment was made for XXXX an additional {$790.00} taken out. This was in spite of the website saying that my normal loan payment of {$3000.00} was all that was set to be taken out. I called and was told they would need to research the problem and I should hear back in a few days. I was also told the additional money would be returned following the phone call. 3 days later ( with no contact from them and no refund of the extra money ) I called back and was told that it could take up to 10 days to research the problem. 

I did not authorize any additional funds to be taken out. I am currently in danger of overdrafting my checking account ( where the money is automatically drafted from ) because I expected the {$790.00} to be refunded. 

I am attaching XXXX files. Mortgage statements from XXXX and XXXX showing how the payments are distributed. Both months show an additional payment. The XXXX payment was authorized but the XXXX one was not. I am also showing the Wells Fargo website where it shows that the amount to be taken is {$3000.00}. This is the same as the XXXX payment page showed but I don't have a picture of it because I didn't think I would need it. The final picture just shows that they applied an additional {$790.00} to principle.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I want to be reimbursed for not receiving service for the funds I have provided with an immigration program around XX/XX/year>, I contacted XXXX XXXX to reimburse my money and they didnt. I also had my mom send me XXXX via Zelle and the pending transaction took so long that I had to put my groceries back and was unable to receive zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
i seen it on my credit report and contacted the conpany asking for verification the fcra grants me a full investigation can you please remove it from my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. 
I have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. 
The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. 
Under FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. 
I have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. 
The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. 
Under FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint because there are inaccurate and unauthorized collection accounts being reported on my credit report by Equifax. I have already requested that the debt collectors involved stop all communication with me, as allowed under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), which clearly states that collectors must cease contact after a written request.

Even after that request, these collectors continue to report the accounts to the credit bureau. This ongoing reporting still counts as a form of communication and is directly affecting my credit score and overall financial reputation.

Company response to consumer: Closed with non-monetary relief