vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Late Payments on XXXX Card Services Account Ending in XXXX To Whom It May Concern, I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting late on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws.

Specifically, I raise concern under the following statutes : 15 U.S.C. 1681 ( Section 602 ) : Establishes the need for accurate and fair credit reporting and the protection of consumer privacy.

15 U.S.C. 1681b ( Section 604A ) : Limits the permissible purposes for which credit information may be accessed and shared.

15 U.S.C. 1666b : Mandates that creditors allow a reasonable amount of time for payments to be made before reporting them as late.

Despite attempts to ensure accurate reporting, XXXX XXXX XXXX has not corrected this issue. I believe the continued reporting of these late payments is unjustified, and I am requesting a full investigation into this matter. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate the accuracy of the late payment reporting on this account.

2. Require XXXX XXXX XXXX to provide proper documentation verifying any reported delinquencies.

3. Ensure that any unverifiable or inaccurate information is corrected or removed from my credit file.

4. Take appropriate enforcement action if any violations of the above statutes are confirmed.

I am including a copy of my credit report, my government-issued ID with current address, and my Social Security card to assist in verifying my identity and locating the account in question. 

Thank you for your attention to this matter. I look forward to a fair review and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My account is showing two balances XXXX for over {$5000.00} and another one for under {$3000.00}. I have been paying this company on time every month and was notified last XXXX that since I missed a payment my new balance was significantly higher ( this never happened, no payment was missed between XXXX XXXX  ). Also this company is taking money out of my account via auto drafting on a the XXXX of every month for around {$380.00}, however my statements are saying my monthly payments should be around {$270.00} on the XXXX of a future month. I notified an attorney and ally did not respond to them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I disputed a transaction from them through my bank and had it canceled because it was resolved. They have all the info they need to return the funds to the recipient but they havent. My bank says theyve been waiting on them to respond for a week to close it completely. The XXXX $ should be released immediately back to the recipient since I cancelled it. And they didnt investigate it they just took the money back without confirming with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Inaccurate and Derogatory Information in Tenant Screening Report Complainant : XXXX XXXX XXXX XXXX : XXXX SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX I am submitting a formal complaint under the Fair Credit Reporting Act ( FCRA ) concerning inaccurate, outdated, or misleading derogatory information contained in a tenant screening report generated by XXXX and based on data from Experian and other public record sources. This report directly led to a denied rental application at XXXX XXXX XXXX. 


1. Civil Court Judgments The report includes duplicate or outdated judgments from XXXX XXXX and XXXX XXXX courts. These records should be reviewed for age, duplication, and relevance under fair housing screening criteria. 
2. Criminal Records Two misdemeanor records ( Retail Theft - PA, XXXX and XXXX ) were included despite being over a decade and several years old. These resolved charges are not relevant to current tenant reliability and may constitute improper use under FCRA guidelines. 
XXXX. Disputed Credit Information Several accounts, including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, are listed with charged-off or late statuses. Many of these were previously disputed, resolved, or included in a XXXX XXXX  bankruptcy ( discharged XX/XX/XXXX ). Their inclusion as negative factors is misleading. 
4. Failure to Reflect Resolutions Remarks such as Account included in bankruptcy and Paid account/XXXX  balance are not being properly weighted or acknowledged in the rental decision process, which is in violation of accuracy standards required by FCRA I have already initiated a dispute process with XXXX  and Experian. I am submitting this complaint because I believe my FCRA rights have been violated due to : Inaccurate or outdated information being used against me Failure to remove or properly update resolved items Use of records beyond the time limits permitted under FCRA I am requesting that the FTC investigate this matter and ensure these agencies comply with FCRA accuracy and fairness requirements. I have attached a copy of my dispute letter and relevant credit report excerpts for reference.

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 2025-06-17 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: LEXISNEXIS
State: FL

Complaint narrative:
I reviewed my credit report and saw there was a bankruptcy reporting on my credit report. I wanted to know how did the credit bureaus can report non public personal information on a major platiform. On XX/XX/year>, I written a letter to all credit bureau requesting an investigation. All 3 credit bureaus verified the public records. After I have done my long research, I found out that I have not given any credit bureau consent to report this private information. At this point I am applauded by the illegal practices. I deceided to write the bankruptcy Court in Florida to see if they reported the public records to the Credit Bureaus. On XX/XX/year>XXXX  I sent a letter to the bankruptcy Court asking them did they report the public records account to the credit bureaus. I received my response back from the courtson XX/XX/year>XXXX  stated the courts did not submitt any information to the credit bureaus. Now I am confused because I am aware that the credit bureaus verify all information from the original creditor. So I decieded to reach out to XXXX XXXX who obtain all public records information. I wrote a letter to XXXX XXXX on chakkengin their reporting of the bankruptcy,. I have attached a copy of the court letter stating that they do not report to the credit bureaus. To my surpise, XXXX responded by stating they have disputed the account with XXXX. But I did not authorized XXXX to dispute the account with XXXX. And XXXX  is not the only bureau that is reporting the bankruptcy. Right I am demanding for the deletion all the Bankruptcy reporting on all public platforms, XXXX, XXXX, XXXX and XXXX XXXX  to deleted immediately for violating my right for privacy and for violating the Grammar Leach Bailey Act ( other Federal Laws )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I discovered an error that my mortgage company had made in applying a property tax to me that was no longer a part of my mortgage. They did this for two consecutive years. I contacted the tax department and was told that I would be given a refund. I was slow walked and put off for a month and then told that my refund was no longer approved because I didn't tell them that I had transferred ownership of the property. My mortgage payment is incorrect and I am having trouble paying it because of the tax.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Somebody opened a Citi bank account in my name without my knowledge in XX/XX/scrub>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 2025-06-17 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: TX

Complaint narrative:
Despite multiple attempts to resolve the issue, my consumer report still contains fraudulent inquiries that are completely unrelated to me and for which I bear no responsibility. These unauthorized entries have caused significant XXXX  and financial XXXX, even preventing me from purchasing my dream house and adequately providing for my family 's needs. As a victim of identity theft experiencing substantial impact on my financial well-being, I feel compelled to consider legal action if this matter isn't appropriately addressed.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX. On XX/XX/XXXX and XX/XX/XXXX One arrived with a defective XXXX  and the other stripped the center diff in 2 uses I attempted to return them to XXXX but the only return option they would give is XXXX  pickup, and XXXX  came once three days after the return when I was out. They never returned. 

Two weeks later while still within the return date I raised the issue with XXXX, they assured me XXXX  would show up and they did show up two days later to pick up only one of the trucks. ( the one with bad center diff purchased on XX/XX/XXXX ) The other remained with me with XXXX  making no further attempts till the date the return expired. Sensing they werent coming to get it a week before the date I filed a dispute with citi citing the defects. XX/XX/XXXX Citi took 6 weeks to get back to me about the dispute. When they finally did ( XXXX ) they denied it because they said XXXX confirmed they issued a credit. ( XXXX mistook the credit for the other truck as the credit for this one ) Citi closed the dispute and I have spent the last month trying to get them to re open it each time they say they will and to wait 7-10 business days. Last night I called Citi and they said they could not open the dispute unless I had proof XXXX said theyd return my money. 

Ive emailed the dispute and am waiting ANOTHER 7-10 business days for them to see it. Im doubtful of a resolution to this, at least one in my favor.

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I disputed collection accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX TransUnion. The disputes were marked as verified, but I was never provided any documentationsuch as a signed contract or original account recordsproving the debts are mine. 

I requested proper verification under the Fair Credit Reporting Act ( FCRA ), but the furnisher did not provide valid evidence, and TransUnion accepted the verification without conducting a meaningful reinvestigation. This violates FCRA Section 1681i.

These inaccurate accounts are actively preventing me from securing housing. I have provided written notice of this issue, but no resolution has occurred. My housing application requires resolution before XX/XX/year>, or I risk losing access to stable housing. 

I am requesting the Consumer Financial Protection Bureau to intervene and require both the credit bureau and the collectors to either provide lawful verification or immediately remove the disputed items.

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 2025-06-17 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: NJ

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 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am 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 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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reappearance of a fraudulent collection account on my Experian credit report, which has already been previously investigated and removed due to identity theft. 

The account in question was not opened by me and has been the subject of multiple disputes. It was removed from my report after a proper identity theft investigation and documentation were submitted. However, Experian has reinserted this same collection accountnow under a different third-party debt collectorcausing significant and unjustified damage to my credit score. 

XXXX XXXX XXXX Claimed open XX/XX/year> closed XX/XX/year> No balance and details listed This reinsertion violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), which requires that if an account is reinserted, the consumer must be notified within 5 business days. I was not notified, and the account is being reported with inaccurate and misleading information.

Furthermore, this debt was allegedly sold to another collector who is now providing false or unverified information to attempt to collect a payment I do not owe.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX and a lady who goes by XXXX Washington informed me I had a debt for roughly {$1500.00} and they were trying to collect roughly {$4000.00} from me. I have no collections on my Credit Report and this seemed odd. Reluctantly I offered to pay but the card was declined. This lady became extremely rude and aggressive on phone. I kept asking her to send me a item list and other documents she claimed were " certified mail '' to my address she had on file. I explain I never received these and she refused to email me back. 

On XX/XX/XXXX a gentleman ( XXXX XXXX ) from XXXX XXXX XXXX calls me ( XXXX ) and explains he is trying to collect for XXXX XXXX  who had called me previously. Again odd. So I told him the new card was on its way in the mail. I again asked for information and nothing was sent or emailed. 

XXXX. XX/XX/XXXX XXXX XXXX calls me asking if the card has arrived early. I explain no. I asked him for his XXXX XXXX XXXX phone number and he gives me XXXX. I asked for a mailing address and he provides XXXX XXXX XXXX XXXX XXXX, TN XXXX. I looked this up and it does not exist. He was extremely rude on the phone and hung up on me.

Both times these two had threaten to place a judgement on my home and were very aggressive.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FlexShopper, Inc
State: PA

Complaint narrative:
This is my second complaint that Im going file for XXXX XXXX responded to my last complaint saying that Im unwilling to pay my debt of $ XXXX is a total lie. Im not able to pay my debt back and I dont appreciate them saying that Im unwilling to pay my debt. They call me every single day they harass my family they call my family which I dont live with my family I dont know why theyre calling my family. I work in customer service and Ive been a customer service over 20 years and Ive never dealt with a worst company ever in my entire life. Im definitely going to be leaving extremely negative reviews on line and defer everyone from using this company. I will keep complaining until they resolve their issues and I get a formal apology. They are the ones that are unwilling to work with you. They are the ones that are unwilling to work with people. I only had one person in the whole company who actually was decent and her name is XXXX. She was the nicest and most helpful person there. Everyone else can kick rocks.

Company response to consumer: Closed with explanation