vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am filing this complaint because my student loan servicer and the credit bureaus are reporting late payments during a period when my account was in approved deferment, which is factually inaccurate. 

Here are the facts : In XX/XX/XXXX, my servicer approved my deferment request, effective XX/XX/XXXX XX/XX/XXXX. 
Despite this approval, my credit reports show late payments ( XXXX days past due ) between XXXX and XX/XX/XXXX. 
By definition, deferment means no payments were required, so reporting delinquency for that same time period is inaccurate. 
Although the servicer updated my account to current and marked it as in deferment, they refuse to remove the late payment history. 
This inaccurate reporting has caused my credit score to drop by XXXX points, severely harming my financial standing. 

Steps I Have Taken : I disputed this directly with the servicer and all three credit bureaus. 
The servicer responded that the reporting was accurate. 
However, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to ensure maximum possible accuracy of information reported. Reporting lates for a deferment period is objectively not accurate.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed my mom up for a amex account. I forgot to add my name as the one that had her open the account ( referral ). I called in to fix it and was told that there was nothing that could be done. I don't feel that's right, because had I not signed my mom up she would've never gotten an amex but I told her about the benefits. I'd like my reward for the referral. I love Amex, so I don't want to have this as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Narrative ( for CFPB Portal ) Issue : Credit Reporting Inaccurate / Unverified Information Summary of Complaint : The three nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ) are reporting an inaccurate tradeline related to XXXX XXXX XXXX XXXX XXXX XXXX  despite written confirmation from XXXX that the account has been closed, the balance waived, and all collection reporting removed. 

Details : 1. On XX/XX/year>, XXXX XXXX XXXX confirmed in writing that : The outstanding balance was waived ; The related Collections reporting was removed ; and XXXX is no longer pursuing collection and considers the matter closed. 
A true and correct copy of XXXX confirmation email is attached as Exhibit A. 
2. Despite this confirmation, Experian, Equifax, and TransUnion continue to report the XXXX tradeline or related collection accounts on our credit reports. 

Legal Grounds : FCRA 611 requires credit bureaus to delete or correct information that can not be verified. By continuing to report the XXXX tradeline after being provided written proof from XXXX itself, the bureaus are failing their duty to reasonably reinvestigate. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. XXXX written statement confirms the account is closed and should not be reported. Any continued furnishing is knowingly false and unlawful. 

Harm : This inaccurate tradeline is depressing our credit scores, interfering with our ability to secure housing, and misrepresenting our financial status to creditors and landlords. 

Relief Requested : Immediate permanent deletion of all XXXX tradelines and related collection accounts from both XXXX XXXX  and XXXX XXXX credit reports. 
Written confirmation of deletion from each bureau. 
Enforcement action against XXXX XXXX XXXX and the credit reporting agencies for ongoing violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Complaint Narrative ( for CFPB Portal ) Issue : Credit Reporting Inaccurate / Unverified Information Summary of Complaint : The three nationwide credit reporting agencies ( Experian, Equifax, and TransUnion ) are reporting an inaccurate tradeline related to XXXX XXXX XXXX XXXX XXXX XXXX  despite written confirmation from XXXX that the account has been closed, the balance waived, and all collection reporting removed. 

Details : 1. On XX/XX/year>, XXXX XXXX XXXX confirmed in writing that : The outstanding balance was waived ; The related Collections reporting was removed ; and XXXX is no longer pursuing collection and considers the matter closed. 
A true and correct copy of XXXX confirmation email is attached as Exhibit A. 
2. Despite this confirmation, Experian, Equifax, and TransUnion continue to report the XXXX tradeline or related collection accounts on our credit reports. 

Legal Grounds : FCRA 611 requires credit bureaus to delete or correct information that can not be verified. By continuing to report the XXXX tradeline after being provided written proof from XXXX itself, the bureaus are failing their duty to reasonably reinvestigate. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. XXXX written statement confirms the account is closed and should not be reported. Any continued furnishing is knowingly false and unlawful. 

Harm : This inaccurate tradeline is depressing our credit scores, interfering with our ability to secure housing, and misrepresenting our financial status to creditors and landlords. 

Relief Requested : Immediate permanent deletion of all XXXX tradelines and related collection accounts from both XXXX XXXX  and XXXX XXXX credit reports. 
Written confirmation of deletion from each bureau. 
Enforcement action against XXXX XXXX XXXX and the credit reporting agencies for ongoing violations of the FCRA.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint against Citibank due to multiple issues involving my checking account and my final paycheck deposit. 

On or about XX/XX/year>, my employer sent my final paycheck for {$850.00} to my Citibank checking account. However, instead of allowing me to access my funds, Citibank restricted my account and provided me with inconsistent and misleading information. 

I contacted Citibank on four separate occasions and was told that my paycheck deposit was rejected and being sent back to my employer. This information turned out to be false ; the funds were never returned to my employer. Instead, the paycheck was posted to my Citibank account and later transferred to my XXXX XXXX account, where it was placed on a standard hold. 

During this same timeframe, Citibank closed my account while it was under review due to a dispute I had previously filed regarding unauthorized charges on my debit card after my phone was stolen. As part of that dispute, Citibank had issued provisional credits. It appears that when the account was closed, Citibank reversed those credits, effectively taking money from my final paycheck to offset the disputed amount. 

This situation has caused me serious financial hardship. Because Citibank restricted my access to my final paycheck, I could not pay critical bills on time, resulting in late payments on multiple obligations. I believe Citibanks handling of this matter was unfair and misleading : - I was repeatedly told that my paycheck was rejected and sent back, which was untrue. 
- My account was closed without proper notice, and the bank withheld funds that belonged to me. 
- Provisional credit reversals were taken directly from my paycheck, leaving me without access to essential wages. 

I am requesting that the CFPB investigate Citibanks actions, require Citibank to provide a full accounting of my funds, and ensure that I am compensated for the withheld paycheck amount and the financial harm caused by their misrepresentations.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is to dispute an account listed on my credit report that I did not authorize or open. I have no connection to this account and have never engaged in any activity related to it. Its reporting is false, misleading, and unfairly damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit reports by XXXX or more furnishers and/or credit reporting agencies. Despite submitting disputes, the information continues to be reported without proper investigation, documentation, or validation. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am entitled to a reasonable reinvestigation, a detailed method of verification, and copies of all records relied upon. However, the credit reporting agencies and furnishers appear to be using automated systems ( such as e-OSCAR ) instead of conducting a thorough manual review, which fails to meet compliance standards. 

In addition, the reporting practices in question may not be in compliance with XXXX XXXX reporting guidelines, which require accuracy, consistency, and completeness in all furnished data. Continuing to report unverifiable or misleading information causes ongoing harm to my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I have reached out to TransUnion, Experian, and Equifax. Not XXXX of them have provided me any type of documentation on why XXXX XXXX XXXX, which is over XXXX years old is still be reported on my credit report. This account was opened back in 2016 and yet today its stopping me from getting housing for me and my child. On an account thats XXXX years old and should not even be on my credit report. By law when a dispute is filed you have to provide me documentation to give me a reason why you all refuse to remove it off of my report and yet either company sent me anything. And on top of the XXXX sold that car in a car auction and took the gap payments I dont owe this company anything. Thats why they never came after me to get this so called money because I dont owe them. So please remove off my credit report its affecting my life and its over XXXX years ago

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have reached out to TransUnion, Experian, and Equifax. Not XXXX of them have provided me any type of documentation on why XXXX XXXX XXXX, which is over XXXX years old is still be reported on my credit report. This account was opened back in 2016 and yet today its stopping me from getting housing for me and my child. On an account thats XXXX years old and should not even be on my credit report. By law when a dispute is filed you have to provide me documentation to give me a reason why you all refuse to remove it off of my report and yet either company sent me anything. And on top of the XXXX sold that car in a car auction and took the gap payments I dont owe this company anything. Thats why they never came after me to get this so called money because I dont owe them. So please remove off my credit report its affecting my life and its over XXXX years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX Cherry XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Account No. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as my formal and final notice that, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby directed to cease and desist all further communication with me regarding the alleged debt referenced above. 

Be advised : XXXX. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, you must do so except to advise that collection efforts are being terminated, or that specific legal remedies will be pursued. 
XXXX. Any further communication outside of these narrow exceptions will constitute a willful violation of federal law and will be documented as such. 
XXXX. Any such violation will subject XXXX XXXX XXXX XXXX XXXX to liability under 15 U.S.C. 1692k, including actual damages, statutory damages, costs, and attorneys fees.

Additionally, in accordance with 15 U.S.C. 1692g, I hereby demand full and proper validation of the alleged debt, including but not limited to : Identification of the original creditor ; Itemization of the alleged balance ( principal, interest, and fees ) ; A copy of the signed agreement or contract creating the obligation. 

Absent such validation, you are required to immediately cease all collection activity and remove any derogatory information you have reported to consumer credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to comply with this notice will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. Furthermore, I reserve the right to initiate a civil action against XXXX XXXX XXXX XXXX XXXX for statutory damages, costs, and attorneys fees pursuant to federal and state law. 

This notice is provided to you in good faith and shall be deemed sufficient evidence of your receipt of my demand to cease and desist under applicable law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
Issue : Credit Reporting Inaccurate / Unverified Information Summary of Complaint : The three nationwide credit reporting agencies ( Experian, Equifax, TransUnion ) are reporting multiple inaccurate, duplicate, and unverifiable collections accounts in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, they have failed to correct or delete information that is false, duplicative, or unsupported by documentation. 

Details : XXXX. Accounts in Dispute : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX multiple duplicate entries ( {$1300.00} ; {$1600.00} ; {$2000.00} ; {$2000.00} ) XXXX XXXX {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts ( {$9.00}, {$10.00}, {$14.00}, {$17.00}, {$23.00}, {$34.00}, {$41.00}, {$92.00}, {$98.00}, {$100.00}, {$190.00}, {$200.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX previously reported duplicate and re-aged tradelines. On [ insert date of XXXX email ], XXXX confirmed in writing that the balance was waived and that the collection reporting was removed. ( See attached Exhibit A. ) Any continued reporting of this account is per se inaccurate. 
XXXX. Legal Grounds : FCRA 609 requires disclosure of sources ; no original contracts or assignment records have been provided. 
FCRA 611 requires a reasonable reinvestigation ; bureaus continue to rubber-stamp accounts as verified without proof.

FCRA 623 prohibits furnishers from reporting false/duplicate data ( XXXX  and XXXX  entries ). 
FDCPA 809 requires validation of debts before collection or reporting ; collectors have not complied. 
XXXX. Harm : These accounts are suppressing my credit score, interfering with my ability to obtain housing, and misrepresenting my financial status to potential landlords and creditors. 



Relief Requested : Permanent deletion of all disputed accounts that can not be fully validated with competent documentary evidence. 
Confirmation that XXXX XXXX XXXX tradelines are deleted consistent with their written waiver. 
Enforcement action against credit reporting agencies and furnishers for ongoing violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Issue : Credit Reporting Inaccurate / Unverified Information Summary of Complaint : The three nationwide credit reporting agencies ( Experian, Equifax, TransUnion ) are reporting multiple inaccurate, duplicate, and unverifiable collections accounts in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, they have failed to correct or delete information that is false, duplicative, or unsupported by documentation. 

Details : XXXX. Accounts in Dispute : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX multiple duplicate entries ( {$1300.00} ; {$1600.00} ; {$2000.00} ; {$2000.00} ) XXXX XXXX {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts ( {$9.00}, {$10.00}, {$14.00}, {$17.00}, {$23.00}, {$34.00}, {$41.00}, {$92.00}, {$98.00}, {$100.00}, {$190.00}, {$200.00} ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX previously reported duplicate and re-aged tradelines. On [ insert date of XXXX email ], XXXX confirmed in writing that the balance was waived and that the collection reporting was removed. ( See attached Exhibit A. ) Any continued reporting of this account is per se inaccurate. 
XXXX. Legal Grounds : FCRA 609 requires disclosure of sources ; no original contracts or assignment records have been provided. 
FCRA 611 requires a reasonable reinvestigation ; bureaus continue to rubber-stamp accounts as verified without proof.

FCRA 623 prohibits furnishers from reporting false/duplicate data ( XXXX  and XXXX  entries ). 
FDCPA 809 requires validation of debts before collection or reporting ; collectors have not complied. 
XXXX. Harm : These accounts are suppressing my credit score, interfering with my ability to obtain housing, and misrepresenting my financial status to potential landlords and creditors. 



Relief Requested : Permanent deletion of all disputed accounts that can not be fully validated with competent documentary evidence. 
Confirmation that XXXX XXXX XXXX tradelines are deleted consistent with their written waiver. 
Enforcement action against credit reporting agencies and furnishers for ongoing violations of the FCRA and FDCPA.

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