vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
XXXX XXXX Bank XXXX XXXX Dispute Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} To Whom It XXXX Concern, As a consumer protected under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting guidelines, and the New York XXXXeneral Business Law ( NY GBL ), I am formally asserting my rights and seeking correction of inaccurate and damaging information that continues to appear on my Experian credit report regarding the XXXX  XXXX account. This is my second dispute of this account. I originally submitted a dispute through the Consumer Financial Protection Bureau after a credit reporting agency representative inaccurately informed me that I needed to file an FTC Identity Theft Report to initiate the process. This misdirection was not only unnecessary, but it also delayed timely resolution and added to the personal and financial hardship Ive experienced as a result of this inaccurate reporting. 
The XXXX  XXXX tradeline reflects a charge-off with a balance of {$1200.00} on a {$650.00} credit limit. It includes at least 17 months of derogatory entries, including CO ( Charge-Off ), ND ( No Data ), and severe delinquencies ranging from 30 to 150 days late. Not only is this pattern of reporting inconsistent with XXXX XXXX Field 18 requirements for continuous payment history, but the absence of a clearly defined and validated Date of First Delinquency ( DOFD ) violates XXXX XXXX Field 25 and FCRA 1681c ( a ) ( 4 ). This pattern of reporting is misleading, potentially re- aged, and fails to comply with the standard of maximum possible accuracy as outlined under FCRA 1681e ( b ).

Despite having already submitted a dispute, I have never received a full explanation or supporting documentation from Experian or the data furnisher. This failure to fully reinvestigate and substantiate the accounts derogatory entries violates FCRA 1681i and 1681s-2 ( b ). In New York, these actions also run afoul of GBL 380-f, which mandates a complete and timely reinvestigation, and GBL 380-j , which prohibits the continued furnishing of known inaccurate data. The continued harm from this inaccurate tradelineespecially as I attempt to apply for new credithas been significant, both emotionally and financially. 
This notarized letter confirms my identity, which has been previously submitted and affirmed. 
Any additional request for identity verification will be treated as a delay tactic and is inconsistent with your obligations under the FCRA. I am also enclosing an invoice outlining the specific statutory violations involved, with associated compensatory amounts, in accordance with FCRA 1681n and 1681o and the relevant provisions of NY GBL 380-f, 380-j, and 380-l.

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX  and XXXX  are not fully investigating the account that is being reported inaccurately to my credit by capital one. The most recent disputes were submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account is reporting inaccurate information, and the creditor and agencies has continued to update information each time a dispute was submitted for over 6 years. Capitol One must delete this account as they are reporting inaccurate information. Capitol one has also written off this account and was paid in full. This is not considered a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Account SUNRISE CREDIT SERVICE in the amount of {$160.00} I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account SUNRISE CREDIT SERVICE as soon as possible from my report or i will have to take legal action.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to request an update to my personal information on my credit file. 

Please update my records with the following correct information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The information currently on file XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX are incorrect I'M requesting that it be corrected/Deleted as soon as possible. I have enclosed copies of the necessary identification documents to verify my identity and support this request. 



Please confirm once the updates have been completed, or contact me if any additional information is required. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to request an update to my personal information on my credit file. 

Please update my records with the following correct information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The information currently on file XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX are incorrect I'M requesting that it be corrected/Deleted as soon as possible. I have enclosed copies of the necessary identification documents to verify my identity and support this request. 



Please confirm once the updates have been completed, or contact me if any additional information is required. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, I contacted customer service for my Best Buy credit card issued by Citi Bank to request basic account records. I spoke with a representative named XXXX. No reference number or case ID was provided for the call. 

During the call, I requested the following information : account opening date, the original balance on the account, and historical statements from the account opening forward The representative asked why I needed this information. I explained that I was requesting it for my records. She stated that she could not provide historical statements unless I requested a specific date, and I responded that I was requesting all statements from the account opening. She stated that only statements as far back as XX/XX/XXXX were available and gave me the balance as of that date. 

The representative then stated that, for security purposes, she could not tell me when the account was opened or what the original balance was. I explained that this information is fundamental account information and that I am requesting access to my own records. I also asked to speak with a supervisor. 

The representative refused to provide a supervisor, refused to provide any alternative method to obtain the records, and stated that no reference number or case ID could be created for my request. She repeatedly refused to provide the requested information and did not offer any written process or escalation path. 

After the call described above, I contacted Citi Bank customer service again on a separate call and spoke with a different representative. During that later call, the representative was able to submit a request for all historical statements from account opening forward. 

This confirms that the requested records do exist and are accessible to the company, and that the prior refusal was not due to the unavailability of records but rather inconsistent handling of consumer records requests. My concern is that I was initially denied access to basic account information, provided no escalation path, and told the information could not be disclosed for security purposes, despite it later being obtainable through another representative. 

I am requesting clarification and correction of this inconsistency so that consumers are not improperly denied access to their own account records.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to Equifax for validation of debt and also showed them how I have multiple violations on these accounts and nothing has changed letters were XX/XX/2025 id like these accounts deleted until they can properly submit validation information for each account in my letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
First it was upstart, and now its saying halstead financial ... ive been reporting my identity as being stolen, noticed when I finally checked credit report I had numerous addresses and different names on my report .. ive also disputed the names and addresses to be removed from my credit report. Lastly this is not my debt and im tired of being harassed by numerous emails a day for weeks ... I would like to cease all communication with this company spamming me with emails, also would like validation of this debt being mine as well, since I know it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these account from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Carvana Group, LLC
State: GA

Complaint narrative:
I sold my vehicle to Carvana on XX/XX/year>, surrendered possession, the signed title, and received a check for payment of {$6300.00}. There is nothing wrong with my vehicle, it is in above average condition and they agreed so! Their {$6300.00} check was deposited and RETURNED by my bank. I called CARVANA and they will not wire my money. I am supposed to wait for a paper check by mail, but none has been received. So, payment has not been made!! Carvana currently has my vehicle and title without valid payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - DATE OPENED : XX/XX/year> - BALANCE : {$3100.00} XXXX  XXXX XXXX - DATE OPENED : XX/XX/year> - BALANCE : {$2400.00}

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 2025-12-29 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Bank XXXX XXXX Dispute Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} To Whom It XXXX Concern, As a consumer protected under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX credit reporting guidelines, and the New York XXXXeneral Business Law ( NY GBL ), I am formally asserting my rights and seeking correction of inaccurate and damaging information that continues to appear on my Experian credit report regarding the XXXX  XXXX account. This is my second dispute of this account. I originally submitted a dispute through the Consumer Financial Protection Bureau after a credit reporting agency representative inaccurately informed me that I needed to file an FTC Identity Theft Report to initiate the process. This misdirection was not only unnecessary, but it also delayed timely resolution and added to the personal and financial hardship Ive experienced as a result of this inaccurate reporting. 
The XXXX  XXXX tradeline reflects a charge-off with a balance of {$1200.00} on a {$650.00} credit limit. It includes at least 17 months of derogatory entries, including CO ( Charge-Off ), ND ( No Data ), and severe delinquencies ranging from 30 to 150 days late. Not only is this pattern of reporting inconsistent with XXXX XXXX Field 18 requirements for continuous payment history, but the absence of a clearly defined and validated Date of First Delinquency ( DOFD ) violates XXXX XXXX Field 25 and FCRA 1681c ( a ) ( 4 ). This pattern of reporting is misleading, potentially re- aged, and fails to comply with the standard of maximum possible accuracy as outlined under FCRA 1681e ( b ).

Despite having already submitted a dispute, I have never received a full explanation or supporting documentation from Experian or the data furnisher. This failure to fully reinvestigate and substantiate the accounts derogatory entries violates FCRA 1681i and 1681s-2 ( b ). In New York, these actions also run afoul of GBL 380-f, which mandates a complete and timely reinvestigation, and GBL 380-j , which prohibits the continued furnishing of known inaccurate data. The continued harm from this inaccurate tradelineespecially as I attempt to apply for new credithas been significant, both emotionally and financially. 
This notarized letter confirms my identity, which has been previously submitted and affirmed. 
Any additional request for identity verification will be treated as a delay tactic and is inconsistent with your obligations under the FCRA. I am also enclosing an invoice outlining the specific statutory violations involved, with associated compensatory amounts, in accordance with FCRA 1681n and 1681o and the relevant provisions of NY GBL 380-f, 380-j, and 380-l.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Shop your way mastercard citibank credit card is charging me XXXX dollars every month for a late payment back in XX/XX/year>. 
They keep assesing late fees, even though the purchase made and paid was XXXX dollars, back in XX/XX/year>. 
Now i owe them according to them XXXX dollars and threatening me to take this debt to collections and terrorizing me with messages and voicemails. I have a great credit score of more than XXXX points and a great spending history with this company, however, they have changed owners and it shows the worst customer service i have ever seen. 
This business practice is ilegal, and has to be made public to prevent this to keep happening to other customers. 

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 monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> {$1600.00} was deposited on my Chime Credit Card. That was not loaded as there was an adjustment for {$1400.00}. But there was an email sent saying only {$1100.00} was added to the Credit Card. So even in the beginning all the numbers were wrong. It was like {$450.00} took legs and walked away from my account. Also under {$500.00} so it wouldn't be a felony for whomever stole this at Chime When I called for assistance, the young man XXXX told me all he could see was my debit account. Then when I asked to be transferred to someone who could see both accounts or just a supervisor, he then giggled in my face and told me how he couldn't transfer me to anyone and he was sorry that he couldn't help me. I asked for a supervisor about four times and then he hung up in my face. If it was that easy for him not to assist me and even laugh in my face, I knew I'm not the first or the only person that has been treated in this manner. Totally uncalled for, rude, and beyond unprofessional. I need my monies back on my credit card account immediately. That was my car note money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
15US Code 1666b XXXX XXXX creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless XXXX XXXX creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I had not received anything from XXXX XXXX in regard to this section title.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went into XXXX chase bank, tried to open an account they said I was not allowed. I never charged off an account, filed bankruptcy on a credit card 8 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC System is attempting to collect an alleged XXXXXXXX XXXX XXXX debt that is not mine. I have never had cable/satellite service with XXXX or XXXXXXXX XXXX XXXX XXXX and I did not authorize anyone to open an account in my name. 

I previously contacted XXXX XXXX XXXX by phone to report this error, but it was not resolved. Now the debt has been placed with a new collection agency ( IC System ), and the collection attempt has been renewed. 

I am requesting that IC System provide full validation showing that I authorized the service ( signed contract or equivalent proof ). If no such proof exists, I request that IC System permanently close/delete its file, cease all collection activity, and ensure the account is not transferred to any other collection agency. I also request written confirmation of the resolution.

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