vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C. 1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXX XXXXXXXXREPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX)XXXX XXXX XXXXXXXXREPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX)XXXX XXXX XXXXREPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX)XXXX XXXX XXXX\nREPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX)XXXX XXXXREPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX)\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services AND XXXX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Company has frozen my bank account to force me to make a payment on a Credit Card debt that the Statute of Limitation has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company 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 2025-08-11 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:
XXXX concerned this late entry XXXX be mistakenplease review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a checking account in XXXX  with Citi. 
The teller explained that the way to avoid fees was by having an average balance of {$1500.00} dollars in the account. In that way, I can avoid the XXXX XXXX  monthly fee. 
This account was an emergency fund account and was sitting with no activity and over {$1500.00} dollars to avoid these fees. 
I didn't pay attention to the account since it's not my primary account. 
Suddenly, Citi started charging $ XXXX/month for over a year and I was not notify about this. 
By the time I realized what was going on, the account is now sitting at {$1200.00} Upon calling customer service, they informed me that the account was deemed " inactive '' and that's why they started charging me. 
There was nothing in the terms and conditions that stated my account needed to have activity. They unilaterally started charging me money. This is basically stealing. 
I was compliant. 
Now they are asking me to go to a branch to reactivate my account or to send a notarized letter. I'm currently out of the country for work and I don't have the availability to do these actions they are requesting when they are the ones that created this mess to begin with.

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 2025-08-11 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: CHERRY TECHNOLOGIES INC.
State: MS

Complaint narrative:
I need to share how frustrated and disappointed I am with the whole XXXX  situation. It's been over six months since my XXXX  were delivered, and honestly, this has been a horrible experience. Ive already been to the providers office at least 12 times, and while the dentist and staff are great people, this whole process has become absolutely ridiculous.

When my crowns were finally delivered last week, one of them came out immediately, and the other two are loose. This is completely unacceptable. I tried reaching out on Friday, but my call wasnt returned. Its been so disruptiveI havent been able to eat properly because the XXXX arent secure, and my daily life has been seriously interrupted. 

Something went wrong with the placement of these implants, and its causing me a lot of pain and inconvenience. I expected professionalism and proper care, but what Im dealing with is beyond frustrating. I need this fixed as soon as possible because I can not keep living like this. Please understand how urgent this is for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a written Debt Validation Demand Letter under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) to Miller, George & Suggs , PLLC, foreclosure counsel for XXXX XXXX, disputing the alleged mortgage debt in its entirety. This was sent within 30 days of their initial communication on XX/XX/XXXX and delivered via XXXX XXXX Mail on XX/XX/XXXX at XXXX am EST ( proof attached ). 

Despite this timely dispute, on XX/XX/XXXX, they filed a foreclosure lawsuit in XXXX XXXX, XXXX  ( XXXX XXXX. XXXX ) and recorded a Notice of XXXX XXXX in the public records without first providing the required debt validation. Filing foreclosure and recording a lis pendens without validation is continued collection activity in violation of 15 U.S.C. 1692g ( b ).

I have over a year of documented disputes and Qualified Written Requests to multiple parties in the loan chain, including the original lender and prior servicers. Responses received have been incomplete and non-compliant with RESPA and Regulation X. I also have pending FOIA requests with XXXX, XXXX XXXX, and the XXXXXXXX XXXX related to securitization and investor claims. 

These actions have clouded my title, harmed my credit, and forced me into defending a foreclosure action without the legally required validation. My attached packet contains the FDCPA letter, XXXX proof of delivery, the recorded XXXX XXXX, and a complete timeline of disputes from XX/XX/XXXX to present. 

This complaint is submitted as part of my lawful and good-faith efforts to resolve ongoing disputes regarding this alleged debt, protect my property rights, and ensure compliance with applicable federal and state laws. It is not intended to harass any party, but to preserve my legal rights and create an accurate record for all relevant agencies and the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank over drawn my checking account on XX/XX/year> AND put it under review to see why the account was OVERDRAWN. Now they are saying the review is completed and they closed my account XX/XX/year>.

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
My payment in XXXX was 2 days late it was pd on XXXX XXXX I was late for XXXX payment and on XXXX it was repossessed at my work place when I called they said it was 34 days late I told the XXXX payment was made, I still yet to get my personal belongings, i went online to my account seeing a message said at risk for repossession with the XXXX payment due date showing, this statement was not there on the XXXX when I made my payment. I told them they have no legal right to withhold my personal belongings from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX  XXXX, XXXX ( TransUnion : XXXX ), XXXX XXXX XXXX ( Experian XXXX XXXX ), XXXX  ( TransUnion : XXXX ), XXXX XXXX XXXX ( Equifax & Experian : XXXX ), XXXX  XXXX  ( Equifax. Experian. TransUnion : XXXX ). XXXX ( Experian & TransUnion : XXXX ). XXXX ( TransUnion : XXXX ). XXXX. XXXX  ( Experian & TransUnion : XXXX ). Equitax, Experan, TransUnion : XXXX ), XXXXExpenan & ransUnion : XXXX ) XXXX XXXX : XXXX ) ( Expenan & ransUnionXXXX XXXXXXXX ( Equifax, Experian, TransUnion : XXXX ), XXXX XXXX XXXX ( TransUnion : XXXX ), XXXX XXXX  ( Experian : XXXX ), XXXX XXXX XXXX ( Experian : XXXX ), also the following inquiries were unauthorised XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX  XXXX, XXXX ( TransUnion : XXXX ), XXXX XXXX XXXX ( Experian XXXX XXXX ), XXXX  ( TransUnion : XXXX ), XXXX XXXX XXXX ( Equifax & Experian : XXXX ), XXXX  XXXX  ( Equifax. Experian. TransUnion : XXXX ). XXXX ( Experian & TransUnion : XXXX ). XXXX ( TransUnion : XXXX ). XXXX. XXXX  ( Experian & TransUnion : XXXX ). Equitax, Experan, TransUnion : XXXX ), XXXXExpenan & ransUnion : XXXX ) XXXX XXXX : XXXX ) ( Expenan & ransUnionXXXX XXXXXXXX ( Equifax, Experian, TransUnion : XXXX ), XXXX XXXX XXXX ( TransUnion : XXXX ), XXXX XXXX  ( Experian : XXXX ), XXXX XXXX XXXX ( Experian : XXXX ), also the following inquiries were unauthorised XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called XXXX XXXX multiple times To get hard inquiries taken off my credit report that I didnt do and I was told I had to contact you guys to get it done. The XXXX hard inquiries are XXXX. XXXX from capital one XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX  XX/XX/XXXX coaf finance i never authorize any of these actions and I been trying to get them removed for the last XXXX and I cant get through to nobody the credit bureau keep telling me I have to come here and make a complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-11 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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