vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX id XXXX. XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX P.O. XXXX XXXX XXXX, MN XXXX Subject : Identity Theft Report and Request for Investigation Dear ChexSystems, I am writing to formally report that I am a victim of identity theft. Unauthorized accounts or activities have been reported under my name and Social Security number, which I did not initiate or approve. These fraudulent actions have impacted my banking history and credit standing. I request that ChexSystems place a fraud alert on my file and begin an investigation into the disputed accounts or inquiries. Please block any negative information resulting from the identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, Tx XXXX I have attached the following documents for your review : A copy of my government-issued photo ID ( e.g., drivers license or passport ) A copy of a recent utility bill or bank statement to verify my address A copy of the police report filed regarding the identity theft A completed and signed Identity Theft Affidavit ( FTC Form 14039 ) Please confirm in writing that you have received this request and let me know what further steps are required. I appreciate your prompt attention to this matter and request a full investigation to resolve this issue as quickly as possible. Sincerely, XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX all INQUIRIES

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 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Dispute of Unverifiable Late Payments Violation of 15 U.S. Code 1666b ( Timely Payments ) Dear XXXX XXXX XXXX I am writing to formally dispute the reporting of late payments on my credit file associated with my XXXX account. After reviewing my credit reports, I noticed that you are reporting late payments which I believe to be unverifiable, inaccurate, and in violation of federal law. 

Under 15 U.S. Code 1666b, a payment received by XXXXXXXX XXXX local time on the due date at the specified address or method of payment can not legally be reported as late. Unless you can produce clear and complete documentation verifying that the alleged payments were received after the legal cutoff time on the date due, the negative reporting constitutes an illegal act and must be immediately rectified. 

Additionally, as a data furnisher under the Fair Credit Reporting Act ( FCRA ), you are obligated to report only information that is accurate and verifiable. The continued reporting of these alleged late payments without documentation violates your legal duty to ensure the integrity of credit information. 

I am formally requesting the following : 1. A full investigation into the alleged late payments.

2. Immediate deletion or correction of any unverifiable or inaccurate late payment notations.

3. A written response confirming the outcome of your investigation within 30 days as required by law. 

If this matter is not resolved promptly, I will be forced to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I also reserve the right to pursue legal action for harm caused by the inaccurate and unlawful reporting. 

Please direct all written correspondence to the mailing address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary of Issue : I am filing a formal complaint against Citibank , N.A . ( Macys/CBNA ) for continued reporting of a XXXX debt despite issuing a XXXX, violating the Fair Credit Reporting Act ( FCRA ), IRS regulations, and their own arbitration clause. 

I previously disputed this account ( Macys/CBNA ) with Citibank and the XXXX XXXX On XX/XX/XXXX, XXXX issued a Form 1099-C for the amount of {$2500.00}, formally canceling the debt. This cancellation should have legally ended any further reporting or collection activity under : FCRA 623 ( a ) ( 1 ) ( A ) Reporting must be accurate and complete.

IRS 6050P A 1099-C constitutes cancellation of debt ; continuing to report it as a balance due is materially false.

FCRA 611 and 607 ( b ) Failure to properly reinvestigate or update reporting. 

Despite repeated notices and submission of evidence, Citibank has refused to correct or delete the account. The bureaus are continuing to report the tradeline as charged off with a balance, damaging my credit and ability to access credit, housing, and business funding.

I also formally elected arbitration, as outlined in Citibanks cardholder agreement, in XX/XX/XXXX. I received no response. This constitutes breach of contract under their agreement. 

Attach These Documents : XXXX. XXXX from XX/XX/XXXX ( file : Macy 's XXXX XXXX XXXX XXXX XXXX ) XXXX. Most recent credit report showing the account still reporting with balance XXXX. Final Dispute + Arbitration Notice Letter ( file : XXXX XXXX Formal Dispute, Election of Arbitration, and Demand for Deletion XXXX ) XXXX. Certified mail proof/delivery receipts XXXX. Prior disputes to bureaus ( optional, already referenced )

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 2025-06-05 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: LA

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
On XX/XX/2025, I submitted complaints against Trans Union, Equifax and Experian for inaccurate reporting on my private credit profile furnished through their reporting platforms. These accounts, aliases, phone numbers and addresses are foreign to me, as they do not belong to me and have been reported without my consent. So today, I am again, filing this formal & final complaint against Experian Information Solutions , Inc., Equifax and Trans Union for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 

I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same delay tactics and response : that the items have been verified as accurate. Given the extremely long resolution times ( exceeding the required 30 day response time frame ) and the lack of meaningful documentation provided, I believe Trans Union, Equifax and Experian are engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ). Although very little remedy has come about with Equifax deleting SOME information, my entire credit profile continues to report inaccurate information across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
On XX/XX/2025, I submitted complaints against Trans Union, Equifax and Experian for inaccurate reporting on my private credit profile furnished through their reporting platforms. These accounts, aliases, phone numbers and addresses are foreign to me, as they do not belong to me and have been reported without my consent. So today, I am again, filing this formal & final complaint against Experian Information Solutions , Inc., Equifax and Trans Union for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 

I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same delay tactics and response : that the items have been verified as accurate. Given the extremely long resolution times ( exceeding the required 30 day response time frame ) and the lack of meaningful documentation provided, I believe Trans Union, Equifax and Experian are engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ). Although very little remedy has come about with Equifax deleting SOME information, my entire credit profile continues to report inaccurate information across all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-05 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-05 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: IN

Complaint narrative:
Sezzle is noting on my credit report that I have a long outstanding balance. Sezzle has been nonresponsive to any questions asked about resolving this. Debt was settled and paid through XXXX in XX/XX/year>. XXXX notes that they do not handle the credit reporting and that is Sezzles responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: WY

Complaint narrative:
Transunion verified this account without doing a proper investigation delete immediately in regards to the payment history it clearly says the last payment received was XX/XX/year> and in the payment history it clearly says the last payment received was XX/XX/year> and the first time 30days late was XX/XX/year> which is not 100percent accurate delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: WY

Complaint narrative:
Transunion verified this account without doing a proper investigation delete immediately in regards to the payment history it clearly says the last payment received was XX/XX/year> and in the payment history it clearly says the last payment received was XX/XX/year> and the first time 30days late was XX/XX/year> which is not 100percent accurate delete 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 2025-06-05 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: TX

Complaint narrative:
This letter is a formal request for the Method of Verification ( MOV ) under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ) regarding the outcome of a previous dispute I submitted concerning late payments reported by XXXX XXXX XXXX ( Account No. XXXX * * ) * * for the months of XX/XX/year> and XX/XX/year>. 

Your bureau has verified these XXXX late payments ; however, these delinquencies are not reported by Equifax, and I have reason to believe they are inaccurate or unverifiable. 

In accordance with federal law, I am requesting the following : The method used to verify the disputed late payments. 

The name and contact information of the person or organization you contacted during the investigation. 

A description of the procedure used in verifying the accuracy of the information. 

Please consider this letter an extension of my good-faith effort to maintain a truthful and accurate credit profile. 

I appreciate your prompt attention to this matter. Please respond within the time allowed under the FCRA.

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 2025-06-05 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The XXXX of my HSA account ( HSA Bank ) and to an extent XXXX XXXX has mismanaged my savings and trading accounts in so many ways its unbearable : XXXX : by not notifying me of their disassociation with XXXX XXXX. They tell me that they sent out emails and letters but I never received these. Anything as critical as this should be made much clearer to their clients as the effect of this disassociation had huge financial implications. 

XXXX : I sold investments with TSLA inside my XXXX account associated with the HSA Bank on XXXX XXXX for {$320.00} with the intent of buying AVGO around {$160.00}. Over {$35000.00} disappeared from my XXXX trading account and it wasnt until later that I found the money had been transferred into the HSA Bank cash account WITHOUT my direct and express permission. 

XXXX : since XXXX XXXX that {$35000.00} has remained inside HSA Banks cash account and I have been tunable to trade with it. The current value of XXXX is {$260.00} which amounts to a staggering {$22000.00} loss of trade earnings had I invested as I intended by buying XXXX shares of XXXX. 

XXXX : I have called no less than 8 times and each time given a ridiculous excuse. The fact that these XXXX custodians are still using FAX for customers to send transfer requests is pathetic. Its XXXX not XXXX! 

XXXX : my most recent interaction today was when I was told by a HSA Employee that the reason why my cash had not been transferred to my new XXXX ( Health Equity ) is because I have to liquidate ALL of my stocks inside XXXX XXXX XXXX with my HSA account before they will move ANY of my funds.

To say that I am angry is an understatement. Today I lost my patience and warned the supervisor that I will appear at the XXXX in person if this matter is not resolved quickly seems to have garnered attention and XXXX has assured me that this transfer will be handled by him personally taking it to their back office and having the funds in my Health Equity account by XXXX XXXX. 

There is so much wrong with this entire customer experience and this company needs to be reprimanded for their terrible customer service and mismanagement. 

I want a formal complaint filed and it is my belief that these companies should be forced to bring themselves into the XXXX century, stop using faxes and get funds transferred within XXXX hours instead of this insane maze of excuses and incompetence with XXXX  customer notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-05 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation