vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On Wednesday, XX/XX/year> I attempted to log into my online account via the EXPERIAN portal. I passed all verifications steps which included email and text message. After getting into the portal and requesting my credit report I was prompted again to verify my identity. This time the option given had the last XXXX ( XXXX ) digits of the phone number different from my mine and the prefix of the email address was different from mine. I failed at authenticating my own account due to UNIDENTIFIED information displayed. I did take screenshots of the incorrect information.

I then attempted calling EXPERIAN as it relates to the aforementioned issue/problem/discrepancy. I spoke with a customer service representative that told me my issue was a possible FRAUD issue and transferred me to the fraud department. Once I held the phone line for over 30 minutes the Fraud Department told me that I had a membership problem. I was then transferred to the main XXXX number and advised to select no prompts and told to only say MEMBERSHIP. Once transferred I did as told and said MEMBERSHIP. I was taken through the XXXX and never got an live operator. I asked the XXXX to UPDATE MY MEMBER PROFILE and I was told by the XXXX that the system was unable to verify me. 

I attempted to get my credit report from XXXX as well. I was also unsuccessful there in accessing my EXPERIAN credit report due to verification issues. I took screenshots of the error message via this website as well. Lastly, I downloaded the EXPERIAN APP to attempt to access my information and credit report from there to see if the log in access was blocked on all sides. When prompted to get a CALL or TEXT code to verify for APP access ... not code ever came to my phone to verify. I did this 3 times before I gave up and backed out to the beginning of the app log in. I then attempted to have the verification come to me as a CALL and the call was never made to my personal contact #. I also attempted the verify via the CALL feature 3 times just as I did for the TEXT option. No calls or text came through to my phone that clear had my personal phone # listed for successful verification. 
I was unable to successfully be verified for EXPERIAN from the following : two ( 2 ) websites including the PORTAL, EXPERIAN App, as well as telephone. I am completely locked out of my own account with them. I have no clue as to why EXPERIAN would have any other information in their system but mine for verification. There should have never been a display of a different phone number and email for 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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i was a victim of XXXX tracicking and my whole identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
XXXX Is my original complaint for this company. Climb Credit/XXXX  are dropping my calls and evading from refunding me via ach instead of with a check. The agent I spoke with from XXXXClimb is claiming that they only issue check refunds in 45-90 days. However, their website says differently. The website says they can make the payment and transactions via ach. They are also blocking my calls from reaching an agent once I enter my social security number. After the first time I called XXXX on XX/XX/25, the last four of my social security number no longer worked and the call began to drop. I called four times in a row before using random numbers for the required social security number and it went through. The social is used to pull up an account before connecting you with an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am filing a complaint because my mortgage company ( Carrington Mortgage Services ) is inaccurately reporting a 30-day late payment on my account ending in # XXXX for the payment due on XX/XX/year>. While the payment was initially submitted on time, it was unknowingly cancelled by my bank due to an internal issue. Once I became aware of this, I promptly addressed the matter with both my bank and the mortgage company and provided documentation of my original intent to pay on time. 

Despite my efforts and submission of supporting documents, including proof of the original payment attempt, the mortgage company has continued to report the payment as 30 days late. I believe this reporting fails to take into account the full context and mitigation of the situation, and does not reflect a reasonable or fair assessment. 

I have formally disputed this late payment with both the furnisher ( Carrington Mortgage Services ) and the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers are required to report only accurate and complete information. Furthermore, under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable investigation within 30 days of receiving a dispute. To date, I have not received sufficient evidence or justification from either party to support the continued reporting of this derogatory mark.

I am requesting that the CFPB investigate this matter and assist in ensuring that only fair and accurate information remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
This morning, I discovered some inaccurate accounts listed on my credit report, and Im unsure how they ended up there. I regularly monitor my report, but this time, unexpected discrepancies appeared. I even refreshed my browser thinking it might be a technical issue, but the incorrect accounts remained. Given this situation, Im requesting a thorough review of the documents Ive provided so I can finally stop stressing over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for Capital One ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). Specifically, TransUnion is reporting these accounts as " Current '' with a " 30 to 120 days past due '' delinquency. Experian is reporting them as " Current '' with a " 30 to 150 days delinquent '' status. Equifax is reporting them as " Current '' with a " 30 to 120 days delinquent '' status. These reports are inaccurate and must be corrected to reflect Paid on time and Paid as agreed for all accounts.

These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of each account be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be updated accordingly to ensure accurate reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer.

I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have accounts with other banks. 2 years ago I tried to reopen my Chase account. I set up my direct deposit. They mailed me a debit card and 3 days before my deposit was to go in they closed my account. They refused to tell me why. They told me call ChexSystems who was no use. They sent me all this paperwork which I did not understand. Last week Chase invited me to reopen an account. I have over $ XXXX in investment with XXXX Bank. I opened it and within 2 days the exact same thing happened. The security guy from the call center in XXXX was very rude. I told him I worked for XXXX XXXX over 20 years. I get a background investigation every few years and he basically said too bad. Then the next day they closed my sons account. I believe Chase profiles and it is based on my name. I have a clean record. I have been vetted and have been a XXXX XXXX for over 35 years. I want to file a formal discretionary complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I recently relocated with my family from XXXX to XXXX and opened a joint checking account ( for my wife and I ) at the Citibank XXXX XXXX California branch. 
Over the next 3-4 weeks the account was 'blocked ' twice for 48hrs on each occasion without any explanation or reason. We visited the branch in person to seek advice and were told this is a 'backoffice ' hold and they're conducting verification which takes 48hrs.

At first, I was ok with this as we're new customers and new to the country.

On both occasions the holds were cleared. 
Then on XX/XX/XXXX the account was once again blocked without warning, which I found out only when trying to pay at a restaurant. Again, we visited the Branch in person and the banker who originally opened our account tried to call the security centre and was told that we needed to be 'verified ' again and that we needed to wait 7-10 days for a letter in the mail with instructions.

The banker explained that we were standing in front of him at the branch with all the documentation and that he personally opened the account for us, but this was deemed as unacceptable by Citibank backoffice security. Apparently a customer standing in person at the bank can not be verified, the only way to do this is to wait 7-10 days for a letter in the mail.

We were informed that ALL of our funds are frozen until then and we have no access to ANY of our money for as long as this verification takes. I explained that we have two young children and that we need money for day to day expenses in the meantime, and I requested to withdraw a small amount at the branch, but this was rejected also - effectively leaving us with no access to any money, Citibank didn't care that we had to borrow money from friends to buy groceries that day.

Needless to say, I consider this conduct criminal behavior by Citibank and totally unacceptable way to conduct business.

This is my money which I deposited into a checking account only for it to be frozen, these are not credit card funds - it's my cash and I should be able to go to the branch and withdraw my own money.

Being forced to wait 7-10 days for a letter is ludicrous.

I phoned Citibank customer service and escalated to supervisors seeking an alternative way to 'validate ' but to no avail. I was told someone would call me back which didn't happen either.

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