vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, a payment of {$5700.00} was made to my Citi / AAdvantage credit card account ( ending in XXXX ) via electronic transfer from my wife XXXX XXXX XXXX XXXX account. 

The funds were debited from her account, and XXXX XXXX provided the official trace number : XXXX. 

Despite multiple written requests and submission of the trace number to Citis Executive Response Unit, Citi refuses to locate or apply the payment. 

Citi continues to rebill my account, pursue collection efforts, and negatively report on my credit, even though I have proven that the payment was made and properly processed by the sending bank. 

This is a continuation of an unresolved matter originally filed as CFPB Case # XXXX. 

I am requesting that Citi immediately : Stop all collection and credit reporting related to this disputed amount Use the trace number provided to locate and apply the payment Correct my account and credit report accordingly Timeline of Events : Citi Payment Dispute XX/XX/XXXX : A payment of {$5700.00} was made to my Citi credit card account ( ending in XXXX ) via electronic transfer from my wife XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : Citi states they can not locate the payment and requests trace information. A copy of the XXXX XXXX bank statement showing the debit is provided. 

XX/XX/XXXX : Citi issues a letter stating the payment could not be found and that the conditional credit was reversed. They request further documentation. 

XX/XX/XXXX : Citi again confirms they are unable to locate the payment and restates the need for formal trace documentation. 

XX/XX/XXXX : Citi reiterates their position and advises a trace report is required, noting that a third party ( XXXX XXXX ) is not authorized on the account. 

XX/XX/XXXX : I contact XXXX XXXX and receive the official trace number : XXXX. 

XX/XX/XXXX : Citi responds, stating they contacted XXXX XXXX ( who declined to discuss details with them ) and again state they need a trace report. 

XXXX XXXX : I submit the trace number and request Citi to investigate, apply the payment, and stop all collection efforts. Citi refuses to act and continues billing and reporting negatively. 

XX/XX/XXXX : I file this new complaint with the CFPB after Citis repeated failure to resolve the matter, despite having the required trace information.

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 2025-05-20 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: KY

Complaint narrative:
In XX/XX/year>, I discovered that a federal XXXX XXXX was reported on my credit report as being placed in collections without my knowledge. I had not received any prior communicationno billing statements, delinquency notices, phone calls, or final demand lettersfrom the loan servicer, the school, or the Department of Education. 

According to Department of Education guidelines, a borrower must receive multiple notices and a final demand before a XXXX XXXX is placed into collections or reported to credit bureaus. I formally disputed the account through TransUnion, requesting verification and proof of proper notice. TransUnion responded that the account was verified and made minor updates, but no documentation was provided to show that required notification steps were followed. 

This failure to notify me violates both the Department of Education 's due diligence requirements and the Fair Credit Reporting Act 's ( FCRA ) accuracy standards. I am seeking further review and corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account LVNV Funding LLC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account LVNV Funding LLC # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CT

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

TRANSUNION XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX/2025, 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 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 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Capital One is reporting to XXXX that I had a credit card in XXXX. I was XXXX XXXX XXXX in XXXX and they refuse to take it off my credit report until I fill this out. I did all of this back when I turned XXXX and they still didnt take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I needed to unlock my frozen credit on Experian to make a car purchase. I attempted multiple times to unlock the credit only to be told by prompts that my name/phone number/social security number do not match. I followed the prompts and sent a certified//return receipt snail mail request ( which required all my personal information ) to unlock the credit for a short period for the credit check by the car company and they did it, and a request on how to fix the problem. They unlocked the report but did not give me any help to fix the situation. After the situation was resolved for the car, I attempted to reach them again by certified/return receipt snail mail to permanently fix the problem, but with no response from Experian. This has now cost me money trying to reach them because you can not get a person on the phone to speak to and I am still no closer to fixing the problem.

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 2025-05-20 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 disputing several hard inquiries that occurred in XX/XX/XXXX and are still appearing on my Experian credit report as of XX/XX/XXXX, even though they are now more than 24 months old. 

Under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 5 ) ), hard inquiries may not be reported for more than two years from the exact date of the inquiry. The 24-month limit has now passed for all of these inquiries. 

Experian is continuing to report them beyond the legal time limit and falsely claims that they are allowed to retain inquiries for 25 months, which is not supported by law. This policy is Experians internal practice, not a legal standard. 

I am requesting that Experian immediately remove these obsolete inquiries in compliance with the FCRA. I have attempted to submit a dispute with Experian, but they are not allowing me to do so claiming the 25-month rule as aforementioned. 

I am asking the CFPB to take enforcement action to protect 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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding the purchase and financing of a XXXX XXXX XXXXXXXX XXXX. I believe I was misled during the transaction and placed into a loan with monthly payments that are unreasonably high for the value of the vehicle. My monthly payment is {$950.00}, which is far above the standard market rate for this make and model. 

At the time of purchase, I was not given a clear breakdown of the financing terms, interest rate, or the total cost over the life of the loan. I feel I was pressured into signing paperwork without fully understanding the terms. Additionally, I was not properly informed about optional add-ons, such as extended warranties or other charges, which may have been included in the loan without my full knowledge or consent.

After realizing how unaffordable the monthly payment was, I returned to the dealership to ask if anything could be done. I explained my concerns and even asked if I could switch to a more affordable vehicle with lower monthly payments. I was turned away and told that nothing could be done. I felt dismissed and unsupported after expressing serious financial concerns.

I am now in a financially unstable position due to this loan, and I believe the dealership and/or finance company acted in a deceptive and predatory manner. I am seeking a full review and resolution, including the possibility of adjusting the loan or removing unauthorized add-ons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I had lost my account information and card, I didnt notice anything was wrong until two transactions were brought to my account, that I did not make. Both from XXXX and one - {$99.00} and another - {$23.00}. I locked my card when this happened and requested a new card immediately. I filed a dispute with Chime in hoping I get my money back from the fraudulent charges that had occurred and I had made sure to list every detail including that I had lost my card. Chime still decided to deny my dispute, so I redisputed it again hoping theyd look it over. I put evidence of my full XXXX history to show it was not me. They denied it again. Even though I provided all measures of proof. I dont know what else more to add to show these two transactions were fraudulent and I only can think theyre biased due to the fact I own a XXXX account and was making XXXX transactions recently but this was not mine. its a horrible sum of money I no longer possess. I need a proper overview and believe this is against the companys own policy. Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: KS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXXXXXX 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 2025-05-20 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: MO

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Affirm Holdings, Inc
State: KY

Complaint narrative:
I used XXXX to sell approximately {$2000.00} worth of tickets. The tickets were listed, sold, and delivered successfully to the buyer. However, I was never paid for those ticket sales. 

XXXX claims I misused their app and that I now owe them moneynearly $ XXXX the facts prove otherwise. They admit in writing that their app has a flaw : if someone attempts to purchase a ticket and their payment is declined, the system automatically reposts the ticket. Meanwhile, on the sellers side, the app shows that no tickets are listed, creating a false impression that the tickets are gone. This is what happened in my case. 

Because of this glitch, XXXX is trying to make me responsible for tickets I never had control of and never got paid for. I have requested proof of the alleged misuse and full documentation of any transactions involved, but none has been provided. Instead, Affirm ( the financing service ) is now attempting to hold me liable for a charge that stems from XXXX own app issue. 

This situation is unfair, deceptive, and financially harmful. I am asking the CFPB to ensure : XXXX. XXXX is held accountable for not paying me for the sold tickets. 
XXXX. Affirm halts all negative credit reporting or collection efforts until the dispute is fully resolved. 
XXXX. A full investigation is opened regarding the technical flaw and unjust attempt to collect funds from me. 

When requesting a supervisor I was refused several times and this is all of what I asked for. I requested : A full breakdown of the charges XXXX claims I owe Payment confirmation or denial for the tickets that were sold An explanation of why I was never paid, and why Im being charged Documentation of all ticket reposts and relevant timestamps Clarification from Affirm regarding their investigation and credit reporting hold Im asking for justice and accountabilitynot just for me, but so this doesnt happen to other users who rely on these companies in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My recent consumer report revealed bankruptcies erroneously listed on my file that should not be present. My research into relevant regulations indicates this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy, as these bankruptcy entries are not only inaccurate but represent an unauthorized disclosure of my personal information. As a victim of identity theft, I find this violation particularly egregious and completely unacceptable.

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