vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
A dispute was submitted via telephone on XXXX XX/XX/year>XXXX  ( Confirmation # XXXX ) requesting the payment status to be updated to reflect the information provided by the creditor. I received an update via mail on XXXX XX/XX/year> stating the information was verified. On XXXX XX/XX/year>XXXX  I also received a letter from the creditor stating there were no delinquencies reported. ( XXXX XXXX XXXX  ). 

I have also attached a page from my credit report showing that there was no late payment history ( highlighted in yellow ) compared to status of the account being late ( highlighted Red ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
ProCollect is reporting a {$17000.00} collection account on my credit report for a lease I never signed and an apartment I never lived in. They claim they contacted me in XXXX about the debt, but the lease agreement they referenced is from XXXX two years after they say they first attempted to collect. 

I was living with my mother during the time this debt supposedly occurred and have never had a lease with XXXX  XXXX XXXX. The lease they refer to is for a different apartment unit entirely. 

I disputed the debt by email and requested verification. They have not responded to my request. 

This appears to be a case of mistaken identity or inaccurate reporting, and the debt is not valid. 

This account has caused serious damage to my credit at a critical point in my life. I was only XXXX XXXX XXXX when they reported it, and it has negatively impacted my ability to build credit, rent, or qualify for opportunities as a young adult. I am requesting the immediate deletion of this account from all credit reporting agencies and confirmation that ProCollect will cease all collection efforts.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Citis system applied payment using outdated XXXXXXXX XXXX, resulting in {$790.00} interest on expired balance transfer previous CFPB case closed unresolved Details : This is a new complaint, following the closure of my previous CFPB complaint ( Case # XXXX ), which was closed after Citi provided a generic response without addressing the factual error I raised. Citi claimed they followed federal allocation rules, but the explanation they gave me by phone revealed a serious timing flaw in their system logic. 

I made a {$13000.00} payment on XX/XX/year>, intending to pay off Balance Transfer Offer 7, which had expired on XX/XX/XXXX and had reverted to 28.99 % APR. However, Citi applied my payment to lower-interest balances ( BT Offers 4 and 6 ). This caused me to be charged interest on the higher-rate balance over 3 months : XX/XX/XXXX statement : {$150.00} XX/XX/XXXX statement : {$320.00} XX/XX/XXXX statement : {$310.00} Total : {$790.00} Citis Executive Resolution team ( Ref # XXXX ) later confirmed to me by phone that although the XXXX for XXXX Offer XXXX had reverted to 28.99 % on XX/XX/XXXX, Citis internal system did not recognize this rate change for payment allocation purposes until XX/XX/XXXX, the statement date. This effectively means the system applied my XX/XX/XXXX payment using outdated XXXX XXXX, not the real rate in effect. 

Attached is the official response from Citi 's Executive Response Team ( Ref # XXXX ), in which they acknowledge my XX/XX/XXXX payment but justify their allocation was correct not based on the actual XXXX in effect on that date. This further confirms that Citis system logic is out of sync with legal terms of promotional expirations and consumer expectations. 

This is a deeply misleading practice. The terms state the promotional rate expired on XX/XX/XXXX so thats when the new XXXX legally applies. But Citi does not update their system logic until the next statement is generated, making it impossible for customers to strategically pay down high-interest balances. 

I am a Citi customer of over 10 years with excellent payment history, and I expected fair application of payments based on actual terms, not hidden system lags. Citis practice harms consumers and contradicts the spirit of the CARD Act and transparency regulations. 

What I want Citi to do : Reallocate my XX/XX/XXXX payment to fully pay off Balance Transfer Offer 7 ( which was accruing 28.99 % interest ). 

Refund the {$790.00} of interest charged in XXXX, XXXX, and XXXX. 

Stop further interest from accruing due to this system delay. 

I would greatly appreciate CFPBs help reviewing this more carefully than the first case. This is not a duplicate complaint it addresses a newly confirmed system flaw Citi acknowledged only after the first case was closed.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX reported on XX/XX/XXXXXXXX  that I owe XXXX with Transunion, XXXX  and XXXX. The account is reflecting as closed. the status is showing as a charge-off. and in the remarks it is showing as profit and loss write off. It was closed in XX/XX/XXXX. The company advised me that they would send me a 1099 and forgive the debt due to a financial hardship but I still have not received the letter and this account is still reflecting on my credit file. I am requesting again that Achieve PL to send me a 1099 and forgive the debt due to COVID causing a financial hardship.

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 2025-07-03 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: TX

Complaint narrative:
I submitted multiple disputes to TransUnion regarding fraudulent accounts that were added to my credit report without my knowledge or consent. These accounts were a result of identity theft during a period of exploitation. I provided TransUnion with documentation including an Identity Theft Report from IdentityTheft.gov and requested that the fraudulent accounts be blocked from my report under 15 U.S.C. 1681c3 ( Debt Bondage Repair Act ). TransUnion failed to conduct a proper reinvestigation, continued to report the inaccurate items, and has not provided any documentation showing that I authorized these accounts. I am requesting that the CFPB investigate and require TransUnion to remove all fraudulent accounts, inquiries, and addresses immediately, and block them permanently from my report as required by 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 2025-07-03 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-03 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One XXXX credit card charged an annual fee from a XXXX XXXX account that I had closed last XXXX. I saw it on my XXXX card statement online and called them right away saying that account had been cancelled. Credit card person didn't speak XXXX very well and it took a while for me to understand that a " virtual card '' had been created for the charge. 
I already have a " virtual '' card to protect against giving my real card number for online orders. It took me a while to grasp that it wasn't my " virtual '' card number used, but one created just to put this phony charge through. XXXX then agreed to dispute the charge and gave me a temporary credit. 
It seems like a crime to me that any merchant can put through any charge they want by following this despicable practice. 
I called later to Capital One and finally got a so-called supervisor in the XXXX  who insisted that this is common practice. I asked her to send me an email to that effect, but she said that they were not allowed to send emails. 
If this is not against the law, it SHOULD BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Bank Name : JPMorgan Chase Bank Type of Complaint : Wire transfer refund delay and customer service misdirection Date of Wire Initiation : XX/XX/2025 Refund Initiation Date ( per Chase ) : XX/XX/2025 Expected Timeframe Given : 25 business days Current Status : As of XX/XX/XXXX, Chase has acknowledged that the wire refund has not yet been manually processed The issue stems from Chases own customer service recommending a wire transfer for urgent needs, assuring me it would be fast and reliable. Unfortunately, this led to significant delay and hardship, as the funds were not returned in a timely manner despite repeated escalations.

Additionally, I was provided an incorrect reference number by Chase, and after multiple calls, I was told conflicting information about the wire status. When I asked to escalate or confirm the transaction, I was either given vague responses ( its in processing ) or no confirmation at all. Eventually, I was told no wire had yet been sent despite having been told otherwise. 

This delay has caused considerable financial distress and lost time. I believe this is a case of poor communication and negligence in processing a time-sensitive refund. 

I respectfully ask for this matter to be reviewed and investigated. I would appreciate confirmation of receipt of this complaint and to be informed of any next steps or outcomes. 

Please let me know if you require additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-03 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$770.00} INQUIRIES : XXXX  Date : XX/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 2025-07-03 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:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : XXXX XXXX XXXX  - {$4400.00} Account Number : XXXX Opened : XXXX. XXXX As you know it is against the law to report any Information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated. 
verified, and how you are in compliance then you must remove the account from my credit report Warm Regards, By : XXXX XXXX XXXX. 
Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
As verified The U.S Dept of Veteran Affairs direct deposited my funds to my Chime checking acct on XXXX of XX/XX/year> due to the first of the month falling on a Sunday The funds did not post to my acct until XXXX XX/XX/year> Now The U.S Dept of Veterans Affairs verifingly direct deposited funds on XX/XX/year> and Nothing posted to my acct I get the same excuse each time of we don't know..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: ID

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX ID XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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: GA

Complaint narrative:
I Have been disputing several fraudulent accounts with CRA Transunion and nothing has been done. As a consumer I have the right to dispute accounts with inaccurate information. I have asked Transunion to send proof if reinvestigation for the following accounts with no success. 

XXXXXXXX XXXX XXXX XXXX  Open Date XX/XX/year> 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Collection Companies are trying to collect on debts that does not belong to me due to Identity Theft. I have requested Documents that they refuse to send to me.. 
1. Debt Validation 2. 1099C Form from the original Creditor 3. Forward Flow Agreement 4. Chain of Assignment Prove they Own the Debt 5. Account Level Documentation Proving the Debt is actually mine Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief