vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was locked due to suspicious activity. 
My card only works at select locations of which I have a list. I have had to withdraw cash due to the unreliability of my card. 
I have called citibank all throughout this time when the card would decline and verify my information and ask if I can make purchases or why the card declined. 

Now they are unable to authenticate my identity and told me to wait for a letter sent to a undisclosed address on a old consumer report, they refuse to tell me the address and it is not my current address

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 2025-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX  and noticed that on XXXX and XXXX of XXXX there were 2 checks that had either been cashed or deposited and were listed on my report. I have not had accounts at either Bank of America or the other bank listed. The report had the exact same check number on them. I filed a police report and submitted all of the information to XXXX  and today XX/XX/XXXX I received info that the ID block was rescinded. I have no other information regarding the checks because I had no idea they were even on my report. I had previously sent the police report in to the FTC as well.

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 2025-07-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
Im unaware of these inquiries, which raises concerns about possible fraud. I request a thorough investigation. Supporting documentation is included

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these 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 2025-07-24 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$580.00}

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK
State: IL

Complaint narrative:
Spoke with representative to clear a matter up that was my fault. We came to an agreement of payment which i paid. The company has not removed the remarks or changed the amount on the account to say XXXX or paid off. They sent a letter that really didnt say too much about me paying the account or how much was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experience showing my income XXXX  of dollars lower than it really is. With affects my credit score and my ability for credit.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint : Inaccurate Credit Reporting by Equifax To Whom It May Concern, I am filing this formal complaint against Equifax for reporting inaccurate and damaging information on my credit report. Despite having a longstanding, positive payment history on this installment account, Equifax has incorrectly reported a 90-day late payment for XX/XX/XXXX, which is entirely inaccurate. 

Account Details : Account Type : Installment Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Nature of the Dispute : As shown in the attached screenshot, I have consistently made on-time payments from XXXX through XXXX. In XXXX, Equifax inaccurately marked XX/XX/XXXX with a " 90-day late '' indicator, despite XXXX and XX/XX/XXXX both being marked as on-time. This is contradictory and reflects a significant reporting error. 

This incorrect derogatory mark is negatively affecting my credit profile and is not consistent with my actual payment behavior. Furthermore, the inconsistency ( reporting on time in XXXX, then suddenly 90 days late in XXXX ) raises serious doubts about the validity and integrity of this data. 

Supporting Evidence : I have attached a screenshot of the payment history showing this error. It clearly shows a consistent pattern of timely payments, with no justification for a 90-day delinquency. 

Regulatory Reference : I am also aware of the {$13.00} XXXX fine recently issued by the CFPB to Equifax ( XXXX ) for mishandling credit report disputes and reporting errors. This complaint is in line with the same kind of inaccurate credit reporting behavior that Equifax has been fined for. 

Resolution Requested : Immediate correction of the inaccurate 90-day late mark from XX/XX/XXXX on my Equifax credit report. 

Written confirmation that the error has been removed. 

Review of Equifaxs internal procedures to prevent this type of reporting error from recurring. 

I request that this issue be thoroughly investigated and corrected promptly. I am also requesting that the CFPB hold Equifax accountable under the Fair Credit Reporting Act ( FCRA ) for failing to ensure maximum possible accuracy in reporting consumer data. 

Thank you so much for your help with this. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Texas, 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 2025-07-24 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: TX

Complaint narrative:
CFPB Complaint : Inaccurate Credit Reporting by Equifax To Whom It May Concern, I am filing this formal complaint against Equifax for reporting inaccurate and damaging information on my credit report. Despite having a longstanding, positive payment history on this installment account, Equifax has incorrectly reported a 90-day late payment for XX/XX/XXXX, which is entirely inaccurate. 

Account Details : Account Type : Installment Date Opened : XX/XX/XXXX Status : Open Account Number : XXXX Nature of the Dispute : As shown in the attached screenshot, I have consistently made on-time payments from XXXX through XXXX. In XXXX, Equifax inaccurately marked XX/XX/XXXX with a " 90-day late '' indicator, despite XXXX and XX/XX/XXXX both being marked as on-time. This is contradictory and reflects a significant reporting error. 

This incorrect derogatory mark is negatively affecting my credit profile and is not consistent with my actual payment behavior. Furthermore, the inconsistency ( reporting on time in XXXX, then suddenly 90 days late in XXXX ) raises serious doubts about the validity and integrity of this data. 

Supporting Evidence : I have attached a screenshot of the payment history showing this error. It clearly shows a consistent pattern of timely payments, with no justification for a 90-day delinquency. 

Regulatory Reference : I am also aware of the {$13.00} XXXX fine recently issued by the CFPB to Equifax ( XXXX ) for mishandling credit report disputes and reporting errors. This complaint is in line with the same kind of inaccurate credit reporting behavior that Equifax has been fined for. 

Resolution Requested : Immediate correction of the inaccurate 90-day late mark from XX/XX/XXXX on my Equifax credit report. 

Written confirmation that the error has been removed. 

Review of Equifaxs internal procedures to prevent this type of reporting error from recurring. 

I request that this issue be thoroughly investigated and corrected promptly. I am also requesting that the CFPB hold Equifax accountable under the Fair Credit Reporting Act ( FCRA ) for failing to ensure maximum possible accuracy in reporting consumer data. 

Thank you so much for your help with this. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Texas, 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 non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had No problem logging into XXXX  and XXXX and obtaining my credit report. 
Every time I log into TransUnion, they say the report is not available. Try again later. Waiting one or two months between attempts doesn't help. 
Their response is always the same.!!

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 2025-07-24 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: 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In the past week, payment processors XXXX, Visa, and XXXX have forced online game platforms XXXX and XXXX to take down massive amounts of perfectly legal content with threats of withholding the ability to do business if they don't. This, in turn, was done at the behest of a campaign of barely XXXX emails from XXXX hate group XXXX XXXX. For a single-digit number of non-governmental organizations to enact such a campaign of censorship is unacceptable.

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 2025-07-24 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I attempted to deposit cash at the drive-through ATM ( left side ) at the Huntington Bank located XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I used my XXXX XXXX XXXX Account debit card. The ATM accepted the cash but did not deposit the funds or issue a receipt. My card was returned, but the money was not credited. I contacted Huntington Bank four times twice in person and was told they could not help me because I do not have a checking account with them. They refused to investigate, despite the ATM being their property. They insisted that I can't dispute the charge as I don't have an account with them. I then contacted XXXX, who told me that Huntington is responsible for the funds because the ATM processed the transaction. They also noted an overcharge in the account and said Huntington should refund the money. 

I opened a CFBP complaint against Huntington Bank but it was promptly closed the next day without any investigation, stating that I needed to contact the debit card issuer. I have attached this letter to this email. 

I then contacted XXXX XXXX and the card issuer, XXXX XXXX  through XXXX. I was informed that in order to get help, I should produce a receipt for the transaction. The Huntington ATM and just showed me an error message asking me to contact my institution after taking the cash. 

As of now, I have received no resolution or refund from either institution. Huntington refuses to do a proper investigation while XXXX XXXX is refusing to help me because I don't have a receipt for the deposit, which was not produced by the ATM anyway. My cash deposit is missing, and after nearly 10 days, both parties are deflecting responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

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