vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a credit account with Dillards. I was set on auto pay to pay my credit account payment. All the sudden Citibank took over the Dillards credit card account and my payment did not go through. I spoke to Citibank about this and they assured me this would not affect my credit since I was not notified of the change in accounts. At some point they marked it as a late payment. However I was never notified of the change of account owners and my account should have been on auto pay. I have disputed this several times and they are not removing the late payment from my account. I was never notified of any change to my account or that my auto pay setup would not go through. I have tried multiple times to get this removed and they refuse. It is not my fault that they did not take the payment from my account. They should have notified me that there was a change to my account and I needed to set up autopay again on a new system. They can not change accounts and make my auto pay void without notifying me and giving me a chance to set up a new auto pay with the new lender. Citibank is refusing to fix my credit report even though all payments before then and after then have been made on time.

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 2025-06-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4400.00} INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-12 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I bought a product off XXXX XXXX. The product was advertised as like new condition, running smoothy and having attachments. I picked up the product from the woman, paying in XXXX  with purchase protection on, and when I used it later, it did not work correctly and had attachments missing. ( attached is the listing, as well as text threads in XXXX of her claiming it worked ). I have a XXXX file of it not working, which I can not attach here but can send to whoever if needed. I filed a dispute with XXXX, as that is what I paid this woman through. I had left the XXXX chat, and there was really no way to contact her, so I closed the dispute. I asked to re open it, and several agents said they would, despite the policy. I received texts from this woman ( attached ) where she threatened me. She clearly had stalked me online to find my XXXX  -- where she messaged me on -- and my public employee databases, as she contacted both of my employers, saying I was a scammer. Her phrasing was very aggressive, so I blocked her and her sisters on social media because I was scared. Back to XXXX, they are refusing to re open my dispute and give me my money back. 

I contacted the XXXX, and XXXX still refuses to re open the case, and says that they can not even though they had, since it shows me that I closed it twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA
State: MA

Complaint narrative:
I have disputed this through XXXX since it is an account that was deleted a few years ago and now appearing under debt for a XXXX party collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
So cash app processed a payment for an online account that did not match the name on the debit card The last two times I filed a dispute with you guys involving cash app each individual time within an hour and a half after I got a response back from you saying that they responded dispute was denied So I was informed the name that was used at the moment the car transaction was processed does not match my name Cashapp allowing names to not match debit card and for whatever account online Account numbers I can not get cuz they will not show them but the there are two different cash tag names for the cash app accounts or disputes have happened And both of them they're denying cash tags names follow. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-12 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: SC

Complaint narrative:
I am disputing inaccurate personal information being reported by Equifax. The only correct personal information that should appear on my credit report is : Name : Dororthy XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX. 
Any other names or addresses listed on my report are incorrect and should be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file. This includes : Section 1681e ( b ) : requiring reasonable procedures to assure maximum possible accuracy.

Section 1681i : the right to dispute and have unverifiable information deleted within 30 days.

Section 1681g : the right to know what is in my credit file.

I am requesting that Equifax remove all incorrect names and addresses, investigate this matter promptly, and send me a corrected copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Formal Report : Proof of Payment and Notice of Dispute Date : XX/XX/year> To : Citibank and Any Related Collections Agency Subject : Formal Dispute Proof of Payment and Legal Notice Account Information : Customer Name : XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX  XXXX Original Amount Due : {$270.00} Payment Method : Debit Card ( ending in XXXX ) Payment Date : XX/XX/year> Transaction Time : XXXX XXXX XXXX Status : Pending ( captured screenshot at time of transaction ) Summary of the Issue : I am submitting this formal notice regarding a payment I made to Citibank for a checking account with overdraft, ending in XXXX. The full amount of {$270.00} was paid on XX/XX/year> at XXXX AM using my personal debit card. The charge appears as Citibank in my bank transaction history and I have retained a screenshot of the transaction and a recorded call with the customer service agent who assisted me. 

Despite fulfilling my financial obligation, I was told the account remains in a past-due or collections status. I have repeatedly requested written confirmation of payment via email or letter. As of today, no confirmation has been provided.

Formal Request for Resolution : I am requesting : 1. Written confirmation that the payment has been received and applied to the correct account.

2. Immediate correction of the account status to reflect Paid in Full.

3. Removal of any reporting to credit bureaus showing this debt as unpaid or in collections.

4. A guarantee that no further collection activity will occur.

Notice of Intent to File in Small Claims Court : If this issue is not resolved within 10 business days, I am prepared to file a claim in New York Small Claims Court for the following : Misreporting of paid debt Failure to acknowledge and apply payment Emotional distress caused by continued collection activity Legal costs and statutory damages under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I have sufficient documentation to proceed, including : A dated screenshot of the payment A recorded call with Citi customer service A pending CFPB complaint Sincerely, XXXX XXXX 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 2025-06-12 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of late payment entries on my Experian credit report for the accounts listed below. I am requesting a full reinvestigation and correction of any inaccurate or unverifiable payment history. If these late payments can not be verified with accurate documentation from the data furnishers, they should be promptly corrected or removed. 
Accounts in Question : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Creditor : Dept. of Education / XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Creditor : Dept. of Education / XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is accurate, complete, and verifiable. I ask that you investigate each of these accounts and provide a detailed written explanation of the results, including the name and contact information of the source that verified each entry.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified a hard inquiry on my credit report. I did not authorize this inquiry, nor was I informed about any intended access to my credit file. As such, it lacks a permissible purpose under XXXX XXXX. XXXX. I am formally requesting its prompt deletion and an explanation for this violation of my consumer rights.

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 2025-06-12 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:
Trans union. Equifax Experian, is reporting this account is open and charged at the same time theyre committing fraud. Special handling department is deleting XXXX XXXX and keeping accounts open that are closed. How can an account be charged off and open the same time? Furthermore, I did not open this account remove account immediately. Equifax is doing the same thing and so is Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Trans union. Equifax Experian, is reporting this account is open and charged at the same time theyre committing fraud. Special handling department is deleting XXXX XXXX and keeping accounts open that are closed. How can an account be charged off and open the same time? Furthermore, I did not open this account remove account immediately. Equifax is doing the same thing and so is Experian.

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 2025-06-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation