vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Dates XXXXXXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX  under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion are reporting multiple items that are inaccurate, outdated, unverifiable, and damaging to my financial profile despite my rights under the FCRA. My reports contain several addresses that have never belonged to me, including XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which violates FCRA 611 and 605. Additionally, a XXXX XXXX account ending in XXXX is listed as a late closed account with a {$0.00} balance, and another XXXX XXXX account ending in XXXX is being reported as a charge-off for {$710.00}, even though the reporting appears inconsistent with FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 623 ( b ). Even more concerning, my file shows a XXXX XXXX bankruptcy from the U.S. Bankruptcy Court with Reference # XXXX, an asset amount of {$0.00}, which is not mine, and its presence violates FCRA 607 ( b ), 609 ( a ), and 605 ( a ) ( 1 ). My reports also contain unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX Card dated XX/XX/year> that were never authorized by me and conflict with FCRA 604 ( a ) and 611. All three credit bureaus have failed to maintain reasonable procedures to ensure accuracy, and I request CFPB intervention to compel proper verification, removal, or correction of all erroneous data.

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 2025-11-26 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: CA

Complaint narrative:
On XX/XX/year>, a charge for {$130.00} from XXXX XXXX XXXX XXXX appeared on my Citi credit card ending in XXXX. I paid the hotel in cash at check-in ( {$150.00} ), but I was also charged on my card without my authorization. 

I submitted a dispute to Citi with a completed dispute form that Citi provided me. I clearly explained that the hotel facilities were extremely poor, and I left early in the morning. I did not receive a receipt because I was in a stressful travel situation, coming from a war-affected region and arriving late at night. 

Citi denied my dispute, claiming that I did not respond, even though I did respond and submitted the required dispute form with all information. I have proof of the email I sent to Citi with the completed form attached. 

Citi closed the dispute without addressing the facts and without providing the information I requested about why my evidence was ignored. 

I am requesting that Citi reopen the dispute, review the documents I submitted, and remove the unauthorized or duplicate charge of {$130.00}.

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 2025-11-26 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: WA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Citibank Regarding Mishandled Dispute for Fraudulent Charge Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Citibank regarding their mishandling of a fraudulent charge on my credit card. 

On XX/XX/XXXX, I charged {$40.00} for a tip to XXXX XXXX for a XXXX treatment. On XX/XX/XXXX, I filed a dispute with Citibank after discovering that the XXXX was XXXX  by an individual fraudulently representing herself as a XXXX  XXXX XXXX XXXX XXXX. The credentials and name provided were false, and the person performing the XXXX  was not licensed or authorized to administer medical procedures. The XXXX  did not have XXXX and the XXXX  spots were not in the correct placement nor was the correct XXXX  size used. XXXX also did not clean prior to XXXX  or do an exam. None of this was realized until I got home. I suffered from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to go to a medical professional the next day to have actual XXXX XXXX properly because I was going on vacation. I am requesting the money back because I tipped for XXXX and no XXXX was ever XXXX. 

Shortly after XXXX XXXX  my face I filed a complaint with XXXX who immediately refunded my money and kicked her off of the site. XXXXXXXX XXXX business is closed with all one star reviews of fraudulent activity. 

Despite providing Citibank with documentation proving that the service was performed fraudulently, the bank has not resolved the dispute to date. I recently sent a formal letter to Citibank on XX/XX/XXXXXXXX  requesting that they properly investigate and correct the charge. If they fail to resolve this within 15 days, I am escalating the matter to the CFPB. 

Citibanks handling of this matter may violate the Fair Credit Billing Act ( FCBA ), which requires creditors to conduct a reasonable investigation when a consumer reports a fraudulent or disputed charge. By failing to properly address the fraudulent nature of this transaction, Citibank has not fulfilled this obligation. 

I am requesting that the CFPB investigate Citibanks actions and require the bank to : 1. Reopen and reinvestigate my dispute properly.

2. Remove the {$40.00} fraudulent charge from my account.

3. Ensure compliance with the Fair Credit Billing Act and related consumer protection laws. 

Attached are copies of my communications with Citibank, the original dispute filing, and supporting evidence verifying that the merchant and XXXX  engaged in fraudulent conduct. 

Sincerely, 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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against TOYOTA MOTOR CREDIT for willfully failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate reporting on Account # XXXX On XX/XX/year>, I submitted a formal dispute notifying TOYOTA MOTOR CREDIT that the information they were reporting to the credit bureaus was inaccurate. Despite this notification, TOYOTA MOTOR CREDIT failed to provide any verification, documentation, or a proper response within the required 30-day timeframe. As of XX/XX/year>, they still have not conducted a reasonable investigation or supplied any evidence supporting the accuracy of the reported data. 

Under 15 U.S.C. 1681s-2 ( b ), TOYOTA MOTOR CREDIT is legally obligated to investigate disputes and correct or delete information that is inaccurate or unverifiable. Their continued reporting without verification violates federal law and has caused ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Activehours
State: GA

Complaint narrative:
Earnin took more money out of my account than they were suppose to and they also took it three days BEFORE it was scheduled to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I requested a detailed explanation of my escrow account and why my payment is increasing to over {$1700.00} a month. I was told that my homeowners insurance being charged through escrow is over {$2000.00} a year and only covers the outside of my home. This was never properly explained to me, and the high cost of this insurance is what has made my payment unaffordable. 

Because of the increased escrow and insurance charges, we have fallen behind, even though we continue making payments every month. It feels impossible to catch up because the shortage and late fees keep growing even when we pay. We have never refused to pay. 

When I called the company to request help and a hardship review, I was repeatedly denied. I was told there was no such thing as hardship assistance related to escrow or insurance and was told I needed to pay {$2500.00} by Friday to even be considered. I was also told to go borrow money from family, which felt inappropriate and unhelpful. 

I explained that we previously requested assistance due to loss of wages when my husband and I were both out of work. We were denied because the loan is new and we had late payments. The representative and supervisor refused to consider the new hardship caused by the insurance and escrow increase. They were dismissive, and I did not receive the information I requested in a helpful way. 

My main issues are : Sudden and unaffordable increase in escrow and insurance Lender-placed or mismanaged insurance that only covers the exterior of my home Payment increase making it impossible to catch up Repeated denial of help despite ongoing hardship Pressure to pay a lump sum I can not afford Being told to borrow money instead of being given real options No clear communication or resolution from the company I need help getting a proper hardship review, correcting the escrow and insurance issues, and setting up a realistic repayment plan so we do not lose our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally express my dissatisfaction with Comenity Banks recent handling of my account. Despite maintaining responsible payment history and receiving no notifications of any negative changes to my credit profile, my credit limit was abruptly and significantly reduced. When I contacted Comenity Bank for clarification, I was told the decrease was due to a drop in my credit score. This claim is inaccurate and misleadingas confirmed by my recent credit reports from all three major bureaus, my score has not decreased.

This unjustified reduction has negatively impacted my credit utilization ratio and could potentially harm my overall credit standing. The action taken appears arbitrary and unsupported by factual data, and I believe it to be an unfair practice. 

Additionally, I have been subjected to persistent and unnecessary contact from Comenity regarding other accounts, despite being current and in good standing. This repeated communicationbordering on harassmenthas caused undue stress and appears excessive, particularly considering my responsible account management. 

I respectfully request : 1. A written explanation detailing the specific and verified reasons behind the credit limit reduction, including the exact date, bureau, and credit score used in your decision.

2. Immediate review and reinstatement of my original credit limit, provided no legitimate adverse information supports the reduction.

3. Cessation of repeated and unnecessary communications regarding my other accounts. 

If this issue is not resolved promptly, I will have no choice but to escalate the matter to appropriate regulatory agencies, as well as state authorities, in addition to disputing any inaccurate reporting with the credit bureaus. 

I appreciate your prompt attention to this matter and expect a written response within 14 days. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2025-11-26 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report.

These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-26 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
To the Consumer Financial Protection Bureau I am filing this complaint because the credit bureaus and furnishers continue to report information that is not mine, false late payments, unauthorized inquiries, and wrong addresses even after multiple disputes. These errors violate my rights under the FCRA and continue to cause harm. I am requesting immediate enforcement and correction. 

XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX High Balance {$300.00} Late Payment The late payment information is inaccurate because I have never made a late payment on this account. This violates 1681e ( b ) and the failure to fix it after prior disputes violates 1681i. Correct the payment history immediately. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Charge-Off I have no knowledge of this account and it can not be verified as mine. Reporting an account that can not be authenticated violates 1681e ( b ), and your repeated failure to correct it violates 1681i. As an unrecognized account, it must be deleted. 

These inaccuracies have harmed me financially and emotionally, and the failures to correct them show non-compliance with federal law. I request CFPB intervention to require immediate correction, deletion where necessary, and enforcement of all FCRA obligations.

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 2025-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation