vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had placed an order from home depot at XXXX XX/XX/year> for my XXXX And XXXX business, order was accepted and they have to deliver at XXXX of XX/XX/year>. Yesterday morning I realized that order has been cancelled, I called to Home depot to ask why it was cancelled and representative told me to place order again, I said why I have to place order again if you cancel it he said thats okay put another order, I said can you do it by phone he said no I cant do yourself. I said okay and ones I hang off phone my Home depot and Citi AAdvantage card become closed immediately and then I remembered XXXX thing that Im XXXX  thats the reason why its closed. Everyone remember that Citi closed all XXXX  accounts couple years ago and they got sued for discrimination, Nothing changes guys they still doing it and this is XXXX more example, I have right now XXXX credit score and I dont have any new accounts within XXXX  months, all my accounts under 10 % of utilization and there is just no other reason my account could become closed. I found discrimination against to XXXX  community and all attorneys should pay attention into this case, I have phone call recordings I have all nesessary information that you may need. They give me XXXX calendar day notice to make a reconsideration about my accounts but I dont think they reopen it again. I will be calling them every single day and will record everything because I have some good fillings that this is another law suit for discrimination.

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 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.

Complaint narrative:
I moved out XXXX I XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a notice being removed from the system by the leasing office. I logged out that XXXX that I used since that period because I moved back to XXXX and was not able to check that XXXX regularly. Automatically I did not consider there would be an outstanding balance because I physically moved out of the country. Until recently I received message from my friend saying that I received a letter from fair collection & outsourcing with a reference # XXXX that she already moved out months ago ( the forwarding address I put on when I move out ) so no one would get it until it was being double forward again. I contacted with the XXXX company but yet receive any feedback, and the initial balance/payment page is invalid now. I do not understand how that bill was collected since I already moved out and would not be able to trust the apartment was not being sub-leased by the company. 

I filed a complaint in the spring XXXX, but the office is requesting an extension of time to respond, thus I receive reply at the end of XXXX as " The account was placed with our office by XXXX XXXX XXXX I XXXX We are in receipt of the consumers complaint. Does the consumer have a XXXX address where we can mail the XXXX and XXXX which shows a breakdown of the charges. If not, would the consumer agree to this information being emailed. If so, please provide the email address you would like us to use. '' I still didn't hear back from this company since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report related to a late payment reported by XXXX XXXX. My name is XXXX XXXX, and my Social Security Number is XXXX According to the Fair Credit Reporting Act, I have the right to dispute information that I believe to be inaccurate. Specifically, under U.S. Code Title 15, Section 1666 ( b ), I understand that a creditor must ensure that the information reported to credit bureaus is accurate and verifiable. The late payment reported by XXXX XXXX does not meet this standard. 

Details of the Disputed Item : - Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I believe this late payment to be inaccurate, as I have maintained a responsible payment history. I request that you conduct an investigation into this matter, including contacting XXXX XXXX for verification of the reported late payment. If they can not validate this information, I urge you to remove the inaccurate entry from my credit report in accordance with my rights outlined under the law. 

Please assist me with getting this issue resolved resolved with this creditor. 
Thank you

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 2025-09-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have enclosed in a XXXX  file the SPS Transaction History dated as of XX/XX/XXXX. Based on their own history. I am headed on my mortgage payments. In fact I am paid thru XX/XX/XXXX. 

In reference to SPS Transaction History Dated : XX/XX/XXXX. SPS has received each one of these payments. Now why is SPS taking these payments and placing them under the column that states UNAPPLIED. When they should be applied to the mortgage. Here are the dates in question. 
Transaction Dates : XX/XX/XXXX {$750.00} Unapplied {$750.00} XX/XX/XXXX {$560.00} Unappled {$560.00} XX/XX/XXXX {$560.00} Unapplied {$560.00} XX/XX/XXXX {$720.00} Unapplied {$720.00} XX/XX/XXXX {$890.00} Unapplied {$890.00} XX/XX/XXXX {$720.00} unapplied {$170.00} XX/XX/XXXX {$720.00} Unapplied {$720.00} XX/XX/XXXX {$700.00} Unapplied {$700.00} On top of that if SPS goes from the first payment received back on XX/XX/XXXX starting as XX/XX/XXXX PAYMENTS and counts the payments received and adds the month next to the payment. SPS will then know that I am ahead on my mortgage payment. In fact I am paid up till XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was notified of account closure from Chase Bank with no cause in XX/XX/XXXX. After having recently opened the account and forced to deposit at least {$200.00}. 
Over {$500.00} was seized in the closure. Years later in XX/XX/XXXX I reached out to possibly recover the funds and was told the account was at XXXX. I was not provided further information and was told I could not receive requested statements of opening and closing amounts including details transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXX  According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}

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 2025-09-16 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 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 non-monetary relief
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: FL

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 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 2025-09-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company closed my complaint and did not follow federal law I filed a complaint with the FTC and send pictures of the report numbers please update my credit reports so I can get business funding for my business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Credit Bureau Name ] XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I would like to get updated credit reports from All the above [ Credit Bureau Address ] [ City, State XXXX ZIP Code ] Subject : Request for Original Purchase Agreement and Debt Validation Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy of information reported on my credit file related to an account listed under my name. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request a validation of this debt and the original purchase agreement associated with it. 

The details of the account in question are as follows : - Account Number : [ Insert Account Number ] - Creditor Name : [ Insert Creditor Name ] everything in red and underline and highlighted on the attached credit reporXXXX XXXX XXXX XXXX XXXX rent reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you provide me with the following information : XXXX. A copy of the original purchase agreement associated with the above-mentioned account. 
XXXX. Valid documentation that verifies the debt, including the amount owed and any relevant account history. 

Please conduct a thorough investigation of this matter and provide me with the requested documentation. If you are unable to provide this information, I request that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day period as mandated by the FCRA. 

Thank you. 

Sincerely, XXXXXXXX XXXX XXXXXXXX Please send me a hard copy 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, My account was suspended on Thursday and I have no idea why, I sent my photo identification and changed my password. 
Followed all directions in the email, last person told me to refer to email .. which is very vague and doesn't give details. I'm so frustrated with your customer support at the moment, I have {$3400.00} in my XXXX  balance that I need to pay my bills and I can't touch it. I need access to that money and it's taking way too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 non-monetary relief
Consumer complaint received 2025-09-16 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:
I am writing to formally dispute an inaccurate item on my credit report related to a late payment reported by XXXX XXXX. My name is XXXX XXXX, and my Social Security Number is XXXX According to the Fair Credit Reporting Act, I have the right to dispute information that I believe to be inaccurate. Specifically, under U.S. Code Title 15, Section 1666 ( b ), I understand that a creditor must ensure that the information reported to credit bureaus is accurate and verifiable. The late payment reported by XXXX XXXX does not meet this standard. 

Details of the Disputed Item : - Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I believe this late payment to be inaccurate, as I have maintained a responsible payment history. I request that you conduct an investigation into this matter, including contacting XXXX XXXX for verification of the reported late payment. If they can not validate this information, I urge you to remove the inaccurate entry from my credit report in accordance with my rights outlined under the law. 

Please assist me with getting this issue resolved resolved with this creditor. 
Thank you

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 2025-09-16 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:
I am writing to formally dispute an inaccurate item on my credit report related to a late payment reported by XXXX XXXX. My name is XXXX XXXX, and my Social Security Number is XXXX According to the Fair Credit Reporting Act, I have the right to dispute information that I believe to be inaccurate. Specifically, under U.S. Code Title 15, Section 1666 ( b ), I understand that a creditor must ensure that the information reported to credit bureaus is accurate and verifiable. The late payment reported by XXXX XXXX does not meet this standard. 

Details of the Disputed Item : - Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX I believe this late payment to be inaccurate, as I have maintained a responsible payment history. I request that you conduct an investigation into this matter, including contacting XXXX XXXX for verification of the reported late payment. If they can not validate this information, I urge you to remove the inaccurate entry from my credit report in accordance with my rights outlined under the law. 

Please assist me with getting this issue resolved resolved with this creditor. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-09-16 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: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WV

Complaint narrative:
I am filing this complaint because all three nationwide credit bureaus have failed to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. Despite providing the required documentation, the bureaus have not blocked the fraudulent accounts and collections as the law requires. 

The following accounts are fraudulent and should have been deleted within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , charge-off {$1800.00} The bureaus refusal to block these accounts violates 1681c-2 ( a ) ( c ), which explicitly requires deletion within 4 business days once an identity theft report is provided. The statute does not require a police report, so their continued reporting is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: WV

Complaint narrative:
I am filing this complaint because all three nationwide credit bureaus have failed to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. Despite providing the required documentation, the bureaus have not blocked the fraudulent accounts and collections as the law requires. 

The following accounts are fraudulent and should have been deleted within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , charge-off {$1800.00} The bureaus refusal to block these accounts violates 1681c-2 ( a ) ( c ), which explicitly requires deletion within 4 business days once an identity theft report is provided. The statute does not require a police report, so their continued reporting is unlawful.

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