vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding inaccuracies in my credit report related to my account with XXXX XXXX. I opened this account on XX/XX/XXXX, and I have made regular payments ; however, these payments have not been accurately reported to the credit bureaus ( Equifax, TransUnion, and Experian ). 

Despite my efforts to ensure timely payments, the majority of my payment history has not been reflected in my credit reports. It is crucial for me to have an accurate credit report, as it affects my financial opportunities I have attached relevant documentation, including my account details and payment history from all three credit bureaus, which demonstrate the lack of reporting from XXXX XXXX. I request that my payment history for the years XXXX and XXXX be accurately reported as soon as possible. 

This situation is extremely concerning and unacceptable. I appreciate your attention to this matter and look forward to your prompt response.Thank you for your assistance.

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 2025-05-28 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: ID

Complaint narrative:
Insurance premium to XXXX was paid using Key Bill Pay XX/XX/year>. Subsequently insurance was canceled and I was informed XX/XX/year> by XXXX they refunded $ XXXX to the credit card used to pay the original premium which was not my credit card. Keybank said they use a third party Payer for Bill Pay and they used a credit card to make the original premium payment in XX/XX/year>. The refund from that credit card was never remitted to me. I have given all details to Keybank Branch Manager including the refund reference materials received from XXXX that they did make the refund. Keybank has never returned the refund to me. 
Original claim was closed with Keybank never giving me a reason or the refund of {$990.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX RE : Reinvestigation Request and Method of Verification [ XXXX ] To Whom It May Concern : I am writing to follow up on a recent dispute I submitted regarding an item on my credit report, specifically : Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Disputed Item : [ Late payments, etc. ] I received your response stating that the creditor verified the information as accurate. However, the account in question is still inaccurate and I am requesting that you : Provide a detailed description of the procedure used to verify the information, including the name and contact information of the person or entity you contacted during the investigation, as allowed under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ). 

Conduct a reinvestigation with any new or additional documentation Ive enclosed and re-verify the accuracy of the account. 

If the account can not be properly verified, I request that it be deleted from my credit report immediately, as required by the FCRA. 

I am attaching the following documents for your review : [ List any supporting documents you are enclosing e.g., proof of payment, identity theft affidavit, police report, account statements, correspondence, etc. ] Please complete your reinvestigation and respond within the 15 days allowed by law. I am exercising my rights under the FCRA and expect your cooperation.

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 2025-05-28 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed serveral inccuracies and unauthorized accounts information reporting to my credit report. These remarks have been determental to my life and credit heath.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed serveral inccuracies and unauthorized accounts information reporting to my credit report. These remarks have been determental to my life and credit heath.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I recently applied for a Wells Fargo Autograph credit card, and my application was denied. The reason given was a previously closed Wells Fargo credit card account that is associated with my name. 

However, I want to clearly state that I have never opened a legitimate Wells Fargo credit card account prior to this application. The account in question was opened fraudulently in my name without my authorization. I promptly reported this to Wells Fargo, and the matter was resolved. I have attached a letter from Wells Fargo dated XX/XX/year>, confirming that this was indeed a fraudulent account and that it had been addressed and resolved by their internal team. 

Despite this resolution, my recent application was still denied because of the fraudulent account that Wells Fargo already confirmed was not mine. This is unfairly affecting my ability to obtain credit and reflects inaccurately on my record with the bank. 

Attachments : Denial letter from Wells Fargo referencing the closed card ( Autograph WF denial ) Resolution letter from Wells Fargo stating the account was fraudulent and has been addressed ( WF letter, dated XX/XX/year> )

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Citibank Customer Relations, I am writing to formally express my deep concern and disappointment regarding the recent and unexpected closure of my Citibank account ending in XXXX, which was opened only a few weeks prior. I received no clear explanation for this action, and despite my efforts to seek clarification, I have yet to receive a satisfactory response. 

The abrupt closure of my account without warning or justification has caused not only financial inconvenience but also emotional distress. I find the lack of transparency and communication particularly troubling, especially considering I had complied with all terms and conditions and had not engaged in any suspicious or unauthorized activity. 

Given the timing and manner in which my account was closed, I am left to question whether this action was taken in a discriminatory fashion. As a customer who belongs to a historically marginalized group, I believe it is essential to raise this concern and request a thorough investigation into the circumstances surrounding this decision. 

I respectfully request the following : A detailed explanation of why my account was closed. 
An internal review to ensure this action was not the result of bias or discriminatory practices. 
Written confirmation of your findings and any steps Citibank will take to prevent such experiences for future customers. 
I sincerely hope Citibank will take this matter seriously. Discrimination, whether intentional or systemic, is unacceptable and must be addressed to maintain trust and fairness in the banking system. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL 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 2025-05-28 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:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 JUST CHECKED MY CREDIT FOR THE FIRST TIME AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME THIS IS THEFT THIS IS WRONG AND THIS IS NOT MINE INQUIRIES- PLEASE ASSIST - I HAVE ALREADY CONTACTED THE COMPANIES AS WELL INQUIRIES - 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverified late payments reported by XXXX XXXX XXXX XXXX on my Equifax credit report. These entries do not reflect the true history of my account and appear to violate consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Under the FCRA : 15 U.S. Code 1681e ( b ) requires Equifax to follow reasonable procedures to ensure the maximum possible accuracy of information reported.

15 U.S. Code 1681i ( a ) grants me the right to dispute information I believe to be inaccurate, and Equifax is required to reinvestigate the disputed information within 30 days. If XXXX XXXX XXXX XXXX can not verify the accuracy of the late payments, they must be removed from my report. 
Furthermore, under 15 U.S. Code 1666b ( TILA ), a creditor must credit a payment to the consumers account as of the date of receipt and must provide a reasonable grace period before reporting the payment as late. If XXXX XXXX XXXX XXXX failed to comply with these requirementswhether by misapplying a timely payment or reporting it late without valid causethen the late payment entry is inaccurate and 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
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC

Complaint narrative:
When I send in my monthly mortgage payment, sometimes the lender takes the money right away, then sends it back a few days later. Other times, they wait several days before taking the money, then return it and say they never got it. This has happened more than once. Ive checked with my bank, and I can see the money was taken out and then returned. Ive never refused to pay or missed a payment on purpose. 

Even though Ive been trying to pay correctly, the lender now says I must pay by money order or certified check only. This is frustrating because Ive been doing my part, and now I have to go out of my way to pay them differently. 

The XXXX part is that these payment problems are showing up on my credit report. My XXXX XXXX has XXXX, and it looks like Ive been paying late when I havent. Ive tried to fix this with the lender, but they havent given me a clear answer or helped me fix the XXXX XXXX XXXX XXXX 

I feel like XXXX doing everything right, but XXXX the one being punished. I need help making sure my payments are accepted, my credit is fixed, and that this doesnt keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant XXXX  to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my XXXX  consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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.

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 2025-05-28 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: HF Holdings
State: LA

Complaint narrative:
I am submitting a formal complaint regarding an account reported by HF Holdings on my XXXX credit report. The reported balance is {>= $1,000,000}. I have never had a consumer credit agreement or loan with HF Holdings or the alleged original creditor, XXXX XXXX XXXX XXXX. 
This tradeline appears to stem from a default judgment in a XXXX matter involving a former partner. I am actively in the process of vacating this judgment in court. I am not personally liable, and this matter should not appear on my personal credit report. 
XXXX reporting of this account is inaccurate, misleading, and XXXX HF Holdings is not a permissible data furnisher under the FCRA for this matter, and the tradeline violates FCRA XXXX ( b ) and CFPB XXXX guidelines. 
I have submitted a direct dispute to XXXX  and have contacted HF Holdings demanding immediate deletion. I request that the CFPB investigate this issue and ensure the account is permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've recently received a copy of my report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've recently received a copy of my report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Request debt validation XXXX which I ask. For full payment history on the debt, has there a XXXX  claim against the debt, chain of title to collect on this debt & original signed contract with my signature of the debt being collected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please XXXX XXXX XXXX these accounts within 4 days : 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 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/year>

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