vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
In XX/XX/year>, HUD disbursed {$20000.00} to M & T Bank to reinstate my loan. Your own statement dated XX/XX/year> showed the total amount needed to reinstate was {$19000.00} plus {$560.00}, less than the HUD payment. By definition, the HUD funds should have cured the arrears in full and placed the loan current. Instead, on XX/XX/year>, you issued me a refund check for {$630.00} and continued to report a {$560.00} past due balance on my XX/XX/year> escrow statement. This refund was not a true escrow surplus it was carved directly out of HUDs reinstatement funds. By returning part of HUDs cure instead of applying it to the account, you manufactured an ongoing delinquency and left me permanently behind when I should have been current. This conduct violates HUD servicing rules, RESPAs payment-crediting requirements, and the terms of my mortgage contract.

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 2025-09-23 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OK

Complaint narrative:
Dear Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB, This is my third complaint against Citi regarding the AAdvantage XXXX mile promotional bonus. Prior cases were filed on XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX ). 

The promotion terms required {$3500.00} in spend between XX/XX/year>, and XX/XX/year>. 

Facts : - Between XX/XX/XXXX and XX/XX/year>, I made purchases exceeding {$3500.00}. 
- Citi has acknowledged in writing that these transactions occurred. 
- Citi denied the bonus because : 1. Some charges, while authorized before XX/XX/year>, did not post until after that date. 
2. Citi deducted {$230.00} in merchant returns from my total spend. 

Why this is unfair : 1. The money was spent within the required timeframe. Authorizations before XX/XX/XXXX satisfy the condition. Citis own delay in posting should not penalize the customer 2. Gross spend exceeded {$3500.00}. Nowhere in the offer terms did Citi clearly state that returns would reduce the qualifying spend. 
3. Pattern of denial. This is the third time I have raised the same issue, and Citi continues to use technicalities to avoid honoring the promotion. 

Actions taken : - I made all required purchases before XX/XX/year>. 
- I submitted complaints to CFPB on XX/XX/XXXX and XX/XX/year>. 
- Citi responded both times denying the bonus despite admitting I spent the money. 

Requested resolution : Citi marketed the XXXX mile bonus, took my spend, and is now refusing to honor it. I am requesting CFPB to hold Citi accountable and require them to award the XXXX AAdvantage miles as promised. 

Sincerely, 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 2025-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my information was used to inquire about something called XXXX XXXX, I never gave my info to anybody or applied for this. 

On XX/XX/XXXX XXXX XXXX Pulled my credit profile and I never authorized them to do that. 

Both Of Those Inquiries came from Transunion. 

The XXXX  XXXX Is On Experian And Equifax Also. 

XXXX XXXX XXXX pulled my credit profile also with Equifax and Experian on XX/XX/XXXX Experian has multiple hard pulls, that I did not authorize XXXX, I never gave them permission to run my credit. They did on XX/XX/XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Also all ran my credit. And I have no clue what XXXX XXXX XXXX my credit XX/XX/XXXX which I never been to or gave permission to run my credit. Ive disputed multiple things before that have happened around these same time frames, someone using my identity to try to get accounts and credit cards, none of the above were me. I need all these inquiries removed. Ive reached out to every party to get this resolved and it still has not. 

On XX/XX/XXXX, TransUnion experienced a cyber incident involving unauthorized access to a thirdparty application used in its U.S. consumer support operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
On XX/XX/XXXX my information was used to inquire about something called XXXX XXXX, I never gave my info to anybody or applied for this. 

On XX/XX/XXXX XXXX XXXX Pulled my credit profile and I never authorized them to do that. 

Both Of Those Inquiries came from Transunion. 

The XXXX  XXXX Is On Experian And Equifax Also. 

XXXX XXXX XXXX pulled my credit profile also with Equifax and Experian on XX/XX/XXXX Experian has multiple hard pulls, that I did not authorize XXXX, I never gave them permission to run my credit. They did on XX/XX/XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Also all ran my credit. And I have no clue what XXXX XXXX XXXX my credit XX/XX/XXXX which I never been to or gave permission to run my credit. Ive disputed multiple things before that have happened around these same time frames, someone using my identity to try to get accounts and credit cards, none of the above were me. I need all these inquiries removed. Ive reached out to every party to get this resolved and it still has not. 

On XX/XX/XXXX, TransUnion experienced a cyber incident involving unauthorized access to a thirdparty application used in its U.S. consumer support operations.

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 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: GA

Complaint narrative:
I am disputing inaccurate information on my TransUnion credit report. The account reported by XXXXXXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX ) is being reported as derogatory with a balance owed. This is incorrect. The account was paid/settled and closed, and should reflect a {$0.00} balance. 

I previously disputed this account directly with TransUnion, but the item continues to report inaccurately. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies provide accurate and complete information. 

I am requesting that this account be corrected to reflect paid/settled with {$0.00} balance and closed status, or be deleted entirely if the furnisher can not verify the accuracy of the 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 non-monetary relief
Consumer complaint received 2025-09-23 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: KY

Complaint narrative:
Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. 

Company Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information. 

1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.

1681n Willful noncompliance exposes furnishers and reporting agencies to damages.

Additionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations.

Harm Suffered : Damage to my credit score and reputation. 

Denial of credit opportunities. 

Emotional distress from having to dispute fraudulent debts.

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 2025-09-23 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: KY

Complaint narrative:
Fraudulent accounts / identity theft being reported on my credit file in violation of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Secured Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXX ) Original Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX Charge Card Date Opened : XX/XX/XXXX Status : Charged Off / {$50.00} Written Off / {$30.00} Past Due ( XX/XX/XXXX ) Credit Limit : {$750.00} On Record Until : XX/XX/XXXX Complaint Description ( for narrative box ) : These accounts are fraudulent and were opened without my knowledge or authorization. I am a victim of identity theft. Their continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 1681c-2 My right to block and remove fraudulent information.

1681i Duty of consumer reporting agencies to reinvestigate and remove unverifiable accounts.

1681n Willful noncompliance exposes furnishers and reporting agencies to damages.

Additionally, continued reporting and any attempts to collect violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations. 

Harm Suffered : Damage to my credit score and reputation. 

Denial of credit opportunities. 

Emotional distress from having to dispute fraudulent debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
My employer sent me {$300.00} {$200.00} and then {$100.00} deposit to make cash app my I went to send my cash app to a friend and it immediately went into fraud by cash app they told me I had to wait XXXX to XXXX hours for a review I told him not to send the review response to my old XXXX because it was hacked and they did it anyways which allowed the hacker to take {$300.00} out of my account and then disputed it which took XXXX days and when I got the response they said that they seen no fraud that I made the transaction so I appealed it and I appealed it they then sent me an email saying that they seen that my account was compromised to dispute the transaction again but when I tried to dispute it is saying that I can not dispute it or peel it because I already have so I have no way of getting my money back I'm getting sick and tired of this eviction because of this in court and losing my home because they took my money for my rent I need my money back and I'm sick and tired of waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding accounts reported under my name that are fraudulent. I had no involvement in creating, authorizing, or managing these accounts. Their presence on my credit report is false, misleading, and damaging to my creditworthiness.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2025-09-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a notification from my credit card monitoring service regarding a new account posted on my account. Due to the fact that it was for a significant amount, it caused my credit score to drop. Upon further investigating I realized that there are XXXX accounts that do not belong to me at all. When I tried to dispute them online via XXXX  I was told to immediately call them and report the identify theft. There is XXXX account that has been open for over a year but I never noticed it because it was in good standing. The account is from Bank of America for the amount of $ XXXX XXXX XXXX {$8500.00} and the most recent is XXXX XXXX {$4800.00} XXXX There is also an address that is not mine XXXX XXXX XXXX, XXXX, Nj XXXX which is linked to all three accounts. I gathered this information in attempt to dispute the personal 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 non-monetary relief
Consumer complaint received 2025-09-23 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: OK

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 INQUIRIES : 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief