vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-27 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: FL

Complaint narrative:
I am filing this complaint against Experian regarding multiple hard credit inquiries that appeared on my Experian credit report which I did not authorize. 
The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with these companies, and I did not provide written consent for any of them to obtain my credit file from Experian. These inquiries were made without my knowledge or authorization. 
Under the Fair Credit Reporting Act ( FCRA ), companies must have a permissible purpose and, in most cases, signed authorization from the consumer before accessing a credit report. See 15 U.S.C. 1681b.

Because I did not authorize these inquiries, I disputed them. Experian is legally required to conduct a reasonable reinvestigation and delete any inquiries that can not be verified as lawful and authorized. See 15 U.S.C. 1681i and 1681i ( a ) ( 5 ) ( A ).

If any company claims these inquiries were authorized, Experian should be able to produce a copy of my signed authorization. No such authorization exists.

These inquiries are negatively impacting my credit profile and represent improper access to my personal credit 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 2025-12-27 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: OK

Complaint narrative:
I did not open or authorize this account, yet it has been added to my credit report with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
{$150.00} and {$50.00} were taken from me on a debt I didn't owe and I saw the judgement was never filed. I checked online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Citibank FCBA Violations Improper Burden Shifting and Denial of Unauthorized Transaction Claim Complainant : XXXX XXXX Account : XXXX XXXX XXXX ( last four digits : XXXX ) issued by Citibank Amount in Dispute : {$9000.00} ( {$4000.00} & {$5000.00} ) Citibank Disputes : Case ID XXXX and Case ID XXXX. 
Merchant : Chauffer Anywhere Merchant Principal : XXXX XXXX Transaction Period : XX/XX/year> Complaint Statement : I am submitting this complaint against Citibank for violations of the Fair Credit Billing Act, 15 U.S.C. 1666 and 1643, arising from Citibanks improper denial of my claim for an unauthorized {$9000.00} charge. 

I did not authorize, request, or receive any services from the merchant in XX/XX/year>. The merchant charged my card using stored card information from a prior, unrelated transaction in XX/XX/year>. I immediately disputed the charge and provided extensive documentation demonstrating the absence of authorization, including text messages showing that only XXXX services were discussed and authorized. 

Citibank : 1. Repeatedly misclassified the dispute as a cancelled service, despite my explicit written notice on XX/XX/year>, that no service was ever ordered and therefore could not have been cancelled.

2. Relied on inconsistent and false merchant representations, including a fabricated invoice and contradictory service dates ( XX/XX/XXXX or XX/XX/XXXX ). 
3. Provided conflicting explanations over a seven-month period from representatives located in XXXX, XXXX XXXX, and the XXXX XXXX  XXXX 
4. Ultimately denied my claim by assertingon XX/XX/XXXX, XXXXthat the burden of proof lies with me, the cardholder, to prove the transaction was unauthorized. 

This position is contrary to federal law. Under the Fair Credit Billing Act and Regulation Z ( 12 C.F.R. 1026.12 ), once a consumer states that a charge was unauthorized, the burden shifts to the creditor and merchant to produce affirmative evidence of authorization. A consumer can not be required to prove a negative, nor does prior possession of card data constitute authorization. 

Citibank has failed to produce : Any signed contract Any written authorization Any booking confirmation Any recorded consent Any contemporaneous communication authorizing a {$9000.00} charge Instead, Citibank improperly shifted the burden to me and denied the claim without legally sufficient proof. 

Requested Relief : Reversal of the {$9000.00} unauthorized charge Correction of Citibanks dispute records Confirmation of FCBA compliance Appropriate regulatory action I respectfully request CFPB review and enforcement. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I've disputed it via web multiple times too no avail. They keep refusing the XXXX coverage and insisting I pay out of pocket. 

This collection is an illegal attempt at balance billing for a XXXX-covered service, violating 42 C.F.R. 447.15 and the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I am submitting this complaint to report ongoing inaccuracies and inconsistent reporting of multiple credit accounts across Experian, Equifax, and TransUnion, which has resulted in an incomplete and misleading representation of my credit history. Upon reviewing my credit reports, I identified several accounts where balances, dates of last activity, reporting dates, and payment statuses differ materially between bureaus, even though the accounts originate from the same creditors and time periods. For example, my XXXX XXXX account ending in XXXX is reported as 30 days late on Experian with a balance of {$7000.00} and a last activity date of XX/XX/year>, while Equifax reflects the same account in good standing, and TransUnion reports a different balance of {$7100.00} with a different last activity date of XX/XX/year>. Similarly, my XXXX XXXX account ending in XXXX shows a consistent balance of {$2900.00} but conflicting last activity dates and repeated XXXX late indicators across all three bureaus, making it unclear which timeline is accurate. My XXXX XXXX account ending in XXXX is reported with XXXX different balances XXXX and {$670.00} along with varying reporting dates and late payment statuses, suggesting the information was not properly verified before being furnished. In addition, older accounts with XXXX balances, such as mXXXX XXXX XXXX XXXXccount ending in XXXX and my XXXX XXXX XXXX account ending in XXXX, continue to display late payment indicators on Experian and TransUnion while being reported in good standing on Equifax, despite identical account ownership and resolution. These inconsistencies indicate failures in the duty to ensure maximum possible accuracy, investigate disputed information, and correct or update records as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2, and have caused ongoing confusion, reputational harm, and potential adverse credit decisions based on conflicting data.

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 2025-12-27 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, XXXX  emailed me stating that my account had been suspended due to alleged unusual activity and requested that I upload government issued photo identification and reset my password. The email explicitly stated that once my information was submitted, XXXX  would review it and respond within seven business days. 

I immediately complied with XXXX instructions. I uploaded my U.S. passport through XXXX  official document upload form and included a written statement confirming my identity, ownership of the account, and that I did not create or operate any duplicate XXXX  accounts or violate XXXX  User Agreement. 

After completing the document upload, I immediately attempted to reset my password using the link provided in XXXX  email. At that point, XXXX  system displayed an error stating that no account existed for my email address. This confirmed that my account had already been deleted. 

Minutes later, at approximately XXXX XXXX XXXX sent a separate email titled Your Final XXXX Statement, stating that my account had been canceled. This directly contradicts XXXX  prior written representation that the account would remain under review for up to seven business days after identity verification was submitted.

I attempted to contact XXXX  support by email to clarify the situation and request review, but received an automated response stating that the inbox is not monitored and directing me to in app support options. Because the account had already been deleted, I was unable to access in app chat or support, leaving me with no functional method to appeal or complete the promised review process.

At no point was I provided with a specific policy violation, evidence of
wrongdoing, or confirmation that a manual review occurred. The account appears to have been closed prematurely and automatically, before the identity review process XXXX  required could be completed. 

I did not violate XXXX  User Agreement, did not create or operate duplicate accounts, and fully complied with all instructions provided. The sequence of events shows that XXXX  requested verification, promised a review period, and then deleted the account immediately, eliminating any meaningful opportunity for review or appeal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Absolutely the worst bank yet. Countless debit card replacement for fraudulent charges, ATM ate {$200.00} cash deposit. Took 10 days with no provisional credit to reconcile the machine. After four years and achieving Bronze Tier status, my account was closed without notice on XX/XX/year>. 
Ah, XXXX time, when you need your bank and use it heavily, it was considered and reviewed as a dormant account and closed just days before my regular monthly deposit of Federal Benefits, which as a widowed XXXX  I depend on to pay bills! Looks like Ill go hungry thanks to USBank. STAY AWAY. STAY VERY FAR AWAY FROM USBank

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MD

Complaint narrative:
I underwent a background check conducted by Checkr for employment purposes. The report included a record from the U.S. District Court for the District of Columbia marked as Consider. However, this record is sealed and was null and voided by judicial order, meaning it is legally non-reportable. Despite providing Checkr with a judges signed letter and court docket showing the sealed status and nullification, Checkr verified the record as accurate and reportable without correcting or removing it. This inaccurate reporting has resulted in a loss of employment opportunity. I dispute this as a violation of the Fair Credit Reporting Act and request correction and deletion of the sealed, non-reportable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
To Whom It XXXX Concern, I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) arising from its failure to conduct a lawful and reasonable reinvestigation of disputed credit information. 

I submitted multiple formal disputes to Equifax regarding inaccurate, incomplete, and unverifiable information being reported on my consumer credit file. In response, Equifax issued identical boilerplate dispute resolution letters with the same documentation, demonstrating that no meaningful or independent reinvestigation occurred. 

XXXX failure is compounded by the fact that the furnisher, XXXX XXXX, labeled my dispute as frivolous. Because XXXX XXXX itself did not conduct a proper investigation, Equifax could not have possibly conducted a reasonable reinvestigation as required by 15 U.S.C. 1681i. A credit reporting agency can not lawfully rely on a furnishers dismissal of a disputeespecially one deemed frivolousin place of its own independent investigation.

Additionally, the documentation relied upon does not include a complete and verified Credit Acceptance payment history. Instead, Equifax relied on partial or internal summaries that do not constitute underlying account records from the furnisher. The materials provided omit years of reporting history for an account opened in 2019, rendering the account unverifiable.

If Credit Acceptance failed to properly investigate the dispute and did not provide a complete payment history, Equifaxs reliance on that response is unlawful. Credit reporting agencies are prohibited from rubber-stamping a furnishers assertions or accepting a frivolous designation without independently verifying the accuracy and completeness of the information.

Because no proper investigation was conducted by Credit Acceptance and no independent reinvestigation was conducted by Equifax, the continued reporting of this account violates the FCRA. Information that can not be fully verified through a lawful investigation must be deleted. Correction or continued reporting is not permitted under federal law in these circumstances. 

XXXX repeated issuance of identical form letters, reliance on a furnishers frivolous determination, and failure to obtain and review complete underlying records constitute willful noncompliance with the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau require Equifax to : 1. Permanently delete the disputed Credit Acceptance account from my credit file ; 2. Cease all reporting related to this unverifiable account ; 3. Provide written confirmation of deletion ; and 4. Take corrective action to ensure compliance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, MI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MA

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit report and discovered fraudulent accounts and credit inquiries that I did not authorize, open, or consent to. I have filed an Identity Theft Report, and I am formally disputing the items listed below as the result of identity theft. 

Unauthorized Credit Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX  Fraudulent Collection Accounts : XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX : {$1500.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. Balance : {$1000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance : {$490.00} These accounts and inquiries are not mine and were opened without my knowledge or authorization. Under the Fair Credit Reporting Act and identity theft protections, I am requesting that all of the above items be removed immediately from my credit file. 

Please complete your investigation and confirm deletion in writing as soon as possible.

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 2025-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband passed away in XXXX. It took me 6 months to get the benefits. Before his passing, my credit score was in the mid to high XXXX. After his passing, I had to live on credit cards. It took 6 months to get the benefits which started in XX/XX/year>. By then, my credit score had dropped to the low 600s. Since I started receiving my benefits, the first thing I wanted to do is clean up my credit cards, do some more home improvements and if there was money left over, I wanted to buy a piece of property. I had asked for {$75000.00}. I owe just under {$77000.00} on the house. Adding these 2 up, it would be {$150000.00}. My home is valued right around {$400000.00}. 
I went to Bank of America to apply for the heloc since XXXX XXXX ( my bank ) does not do them. XXXX XXXX said I could pull {$370000.00}. He said he would contact me no later than the next day, which would have been XXXX XXXX. I never heard from him. I waited until today, XXXX XXXX to return to the XXXX XXXX Bank of America to see what was going on. The lady banker called XXXX XXXX. XXXX told me there was a problem with my credit score BUT I could do a refinance.

Why do I want to refinance and pay a higher interest rate? This IS NOT acceptable. Why should I pay a higher interest rate on {$150000.00} when I can keep the {$77000.00} at just below 3 %?

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