vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ) regarding their misrepresentation of the settlement agreement terms and payment timeline for my Home Depot Consumer Credit Card account ( serviced by Citibank ). 

XXXX  written response to the CFPB ( dated XX/XX/year> ) contains multiple factual inaccuracies and materially false statements. These inaccuracies harm me by mischaracterizing the settlement agreement, the payment due date, and my compliance with the offer. 

XXXX claims they mailed me a settlement offer letter on XX/XX/year>. 
I never received this letter and have no record of it. My first awareness of XXXX settlement options came only after I independently visited their website because the validation letter did not contain details of the offers. 

XXXX claims I went online on XX/XX/year> and accepted a settlement to pay {$1100.00} in XXXX payments by XX/XX/year>. 
This is false. Their online portal allowed me to view offers, but required me to call them to confirm enrollment, which I can not do due to my hearing disability. 


XXXX  letter also falsely states that my first installment payment was made on XX/XX/year>. This is false. I made the payment on XX/XX/year>, the final day of the settlement offer window. I included screenshots of the payment confirmation in my Citi CFPB complaint. XXXX  misstatement of the payment date materially changed their narrative about why the settlement broke. 

Why the settlement actually broke : After I made the XX/XX/XXXX payment, XXXX XXXX XXXX immediately reinstated the full charged-off balance of {$1800.00} less my first payment of {$180.00} and the settlement offers and terms disappeared. Since their system no longer reflected the settlement, I could not proceed with subsequent payments. The settlement was destroyed by their systemnot by any failure to pay. 

XXXX CFPB response states that the settlement broke due to non-payment, but omits the critical fact that their system reinstated the full balance, preventing further payments. 

Accessibility violation : I have a hearing-related XXXX and have repeatedly requested that all debt-collection communication be in writing. XXXX required me to call to confirm enrollment, which I could not do. No written alternative was offered. 

What XXXX is doing wrong : XXXX ) Misrepresenting the date and manner of payment XXXX ) Misrepresenting how the settlement offer was accepted XXXX ) Misrepresenting why the settlement broke XXXX ) Stating I failed to make payments when their system prevented payment XXXX ) Conditioning settlement terms on inaccessible communication channels XXXX ) Reporting false information to Citi that influenced Citis response to my prior CFPB complaint

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and inconsistent information across the credit bureaus regarding my auto loan account # XXXX XXXX XXXX XXXX XXXX According to my XXXX report, the account is currently reporting as open and current, however the payment history being furnished is inconsistent and appears to violate the accuracy requirements under the FCRA. 

Specifically, the account shows XXXX late payments inconsistently between XXXX, Experian, and XXXX XXXX for the same months. 
For example, on the report ( page showing the auto loan ) : XXXX  shows a XXXX late mark for XX/XX/year>. 

Experian shows a XXXX late mark for XX/XX/year>. 

XXXX  reports a XXXX late for XX/XX/year>, but does not match Experian. 

These discrepancies violate FCRA 602 ( A ) and FCRA 623, which require data furnishers to report accurate and consistent information. I dispute these late payments because they are not accurate and the reporting is inconsistent. The creditor has failed to conduct a reasonable investigation and continues to furnish conflicting information. 

I am requesting the CFPB to review this matter because the inconsistent reporting is harming my credit score and is a clear violation of federal consumer protection laws.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and inconsistent information across the credit bureaus regarding my auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX. According to my IdentityIQ report, the account is currently reporting as open and current, however the payment history being furnished is inconsistent and appears to violate the accuracy requirements under the FCRA. 

Specifically, the account shows XXXX late payments inconsistently between TransUnion, XXXX XXXX XXXX XXXX for the same months. 
For example, on the report ( page showing the auto loan ) : TransUnion shows a XXXX late mark for XX/XX/year>. 

XXXX shows a XXXX late mark for XX/XX/year>. 

XXXX  reports a XXXX late for XX/XX/year>, but does not match Experian. 

These discrepancies violate FCRA 602 ( A ) and FCRA 623, which require data furnishers to report accurate and consistent information. I dispute these late payments because they are not accurate and the reporting is inconsistent. The creditor has failed to conduct a reasonable investigation and continues to furnish conflicting information. 

I am requesting the CFPB to review this matter because the inconsistent reporting is harming my credit score and is a clear violation of federal consumer protection laws.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX, INC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had gotten heloc loan from XXXX XXXX XXXX bank in XX/XX/year> and it was paid of soon after that but the bank never notified XXXX XXXX Nj banking department and subsequently the bank got sold to XXXX and then XXXX bank and then XXXX  bank was bought by Bank of America. I do not have any documents and it doesnt show any balance but it shows open case. I need to dispose this issue ASAP. I tried Bank of America in XXXX and they are saying its not in their system so they cant do nothing. I went to XXXX XXXX banking office and they could not do anything either.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally withdrawing the dispute I previously filed regarding the following account. Please confirm in writing that the dispute has been officially cancelled. 

While I am cancelling this dispute, I want to note that the underlying issuesunauthorized transactions and incorrect information resulting from a data XXXX  serious. I expect any unresolved errors to be addressed promptly and corrected according to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
Messerli Kramer has been engaged in unfair and illegal consumer debt collection practices by not exercising reasonable, prudent due diligence when sending legal summons or garnishments. Per the attached documentation, Messerli Kramer 's practices are not reflective of an isolated incident. We have contacted Messerli Kramer directly, who failed to provide information how our organization received the consumer debt garnishment summons. Despite contacting Messerli Kramer, garnishment summons continue to be received.

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: MI

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My cash app account was shut down with XXXX warning or explanation and they will not tell me why

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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This account XXXX was XXXX in a bankruptcy case and should not be being reported.

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: FL

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS IS AN UNFAIR SYSTEM TO BE IGNORED AND TAKEN ADVANTAGE OF WHILE PLENTY OF LAWS ARE BROKEN DUE TO MALPRACTICE AND THE SEVERITY OF NOT TAKING MY SITUATION SERIOUSLY. HAS CAUSED FINANCIAL INJURY AND DEFAMATION OF CHARACTER ALONG WITH XXXX XXXX DAYS OF NO RESPONSE 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

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: TN

Complaint narrative:
THIS IS AN UNFAIR SYSTEM TO BE IGNORED AND TAKEN ADVANTAGE OF WHILE PLENTY OF LAWS ARE BROKEN DUE TO MALPRACTICE AND THE SEVERITY OF NOT TAKING MY SITUATION SERIOUSLY. HAS CAUSED FINANCIAL INJURY AND DEFAMATION OF CHARACTER ALONG WITH XXXX XXXX DAYS OF NO RESPONSE 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

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: CA

Complaint narrative:
I dispute the following accounts and request immediate investigation. If these inquiries can not be verified, I request that they be removed from my credit report. 

Inquiries : XXXX XXXX XXXX, Date : XX/XX/year> XXXX, Date : XX/XX/year> XXXX XXXX, Date : XX/XX/year>

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation