vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citicard that I have used for years and paid the bill through online banking, suddenly did not accept an electronic payment from my bank and required them to send a check which they did unbeknownst to me, My online banking showed it was delivered on time at the specified date. Even though it was delivered on time, Citibank didnt cash it until after the due date which resulted in a late fee and interest which was refunded after I called. In trying to find out what happened through multiple phone calls and many hours on the phone, after finally getting through to someone who was understandable and understood me, I was able to find out that it was late because they cashed it late and used the post office as an excuse. I was told that they are not accepting electronic payments from online bank accounts over a certain amount but they could not tell me what that amount is. It was suggested that I schedule the bill to be paid at least XXXX XXXX early which would not be enough because it took XXXX weeks for my payment to be cashed from the time the check was sent by the bank. During yet another phone call, a rep suggested I pay my bills through the Citi app which is what I will do but it makes it hard to keep track of paying my bills as opposed to when all my bills were set up in XXXX place in my online banking making it easy to keep track of and to make sure I had enough money in my checking account to cover the bills. It is horrendous what is going on with Citicard. There is no transparency or communication and this just came out of nowhere. Customer service is awful. Some of the reps who you can tell are overseas, make things up when they dont know the answers. I learned to hang up and call back until I got a rep in the United States who was understandable and understood me, and gave accurate information even though they could not explain why this issue is suddenly occurring.

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 2025-05-21 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: TX

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 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 2025-05-21 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
On XX/XX/year> I received a notification from one of my credit cards that my credit score had dropped XXXX points from XXXX to XXXX. With utter shock I did some digging and found that I had a delinquent report from a company called XXXX, a company I had not heard of or from. After calling I found that I had a student loan through them. I attended university for one year and have been paying double for month through what I believed to be my sole lender, nelnet. After speaking to a representative at XXXX I quickly learned that they did not have an accurate phone number or address and had not made contact with me. I have never had a late payment and have worked very hard to work my credit score and because I had never heard from XXXX I never knew I had this debt. Once learning I instantly paid my past due debt and am current on that debt.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota Motor Credit reported a charge-off but left out a payment month before it happened. This makes the report inaccurate and incomplete. I asked XXXX  to fix it, but they didnt. Please help correct or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This is also a follow-up complaint regarding the reporting of an outdated late payment tied to a closed account with XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ), with a reported delinquency dated XX/XX/XXXX. While the account currently reflects a {$0.00} balance and shows no past due amount, the late payment entry continues to linger across all three credit bureausXXXX XXXX  and Equifax. This outdated derogatory remark is well beyond the seven-year reporting period allowed under 15 U.S.C. 1681c ( a ) ( 5 ), which clearly states that any adverse information, including late payments, must be removed after seven years from the date of delinquency.

More concerning is the fact that these outdated derogatory marks, though associated with closed and resolved accounts, still impact creditworthiness in subtle but harmful ways. Its highly questionable why any of the credit bureaus would continue to include a late payment from XXXX in XXXX. This suggests a failure in data hygiene, or even possible negligence when updating or purging old files. Considering the prevalence of data breaches in recent years, it is also possible that outdated and incorrect records are being recirculated due to improper data management or unauthorized re-entries. The continued inclusion of this obsolete negative item signals a breakdown in the fair and lawful operation of the bureaus reporting systems, particularly with Equifax, which was recently cited by the CFPB for failing to perform reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and to correct or delete unverifiable information under 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
According to FCRA section 605b it is illegal to report anything on my credit report without my permission Please remove this negative item Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, as required by law, I was not provided with a statement XXXX  days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on XXXX. '' XXXX. Late Payment ( Open ) XXXX Account Number : XXXX * * * * * * * * * * * * * * * This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau, and my State Attorney General. 

I look forward to your prompt response. 

Sincerely, 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I am submitting this complaint regarding Georgia Student Finance and how they have been reporting my student loan to the credit bureaus. My credit report through XXXX  shows that I have been XXXX   days past due every single month since at least XXXX. I attempted to dispute this with XXXX  directly, but they responded that the information was being reported accurately. 

After that, I was contacted by Georgia Student Finance. During that phone call, they acted as though we had already discussed and resolved the dispute, but that was not true. We had not had any communication prior to that call, and I still have not received a clear explanation or resolution. 

I believe this reporting is either inaccurate or unfair. It reflects years of continuous delinquency that I dont believe is correct, and it is severely damaging my credit. I was even denied a mortgage loan in the past because of this. Ive made attempts to fix the issue directly and have not received help. I am requesting that this matter be reviewed by the CFPB and that Georgia Student Finance be required to fully verify and justify this reporting, or correct it. 

In XXXX, Georgia Student Finance sent me a letter asking me to pay {$25.00} a month as part of a repayment plan. I signed the agreement and started paying. I was not told that this would re-age the account, but a credit repair professional later informed me that this is what it appeared they were trying to do. Even while I was making payments, the account continued to show XXXX late marks on my credit report, and nothing changed. 

I believe this is inaccurate reporting, especially since I was making an effort to pay as agreed. If they accepted the repayment, the account should have been brought into a different status. Im requesting a full investigation and correction of this reporting.

If Georgia Student Finance can not report this account accurately, I am requesting that it be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXX XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 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 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: NC

Complaint narrative:
Hello, I am writing to formally request that my credit report be updated to reflect my recent XXXX  XXXX bankruptcy filing. In accordance with the Fair Credit Reporting Act ( FCRA ), please take the following actions : Collection Accounts to Be Deleted The following collection accounts were included in the bankruptcy and should be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts to Be Updated to Closed with {$0.00} Balances Please update the following accounts to reflect a {$0.00} balance and status as Closed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( two accounts ) XXXX XXXX XXXX BANK XXXX XXXX ( two accounts ) Other Potential Accounts If any additional accounts not listed above were included in the bankruptcy filing, such as : Utility accounts Medical bills Charged-off credit cards or loans Rental collections Please ensure they are also updated to reflect a closed status with a {$0.00} balance and removed if reported as collections. 

Attached is a copy of my bankruptcy filing notice for verification purposes. 

I appreciate your prompt attention to this matter and request confirmation once these updates have been made. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX -- Account number : XXXX XXXX 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 any 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 of 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am submitting a formal complaint against Experian for failing to remove multiple fraudulent accounts from my credit report, even after submitting all required documentation in accordance with the Fair Credit Reporting Act ( FCRA ) 1681c-2. My identity was compromised in the XXXX XXXX XXXX data breach in XXXX. 

On XX/XX/XXXX, I filed a detailed dispute with Experian and provided : A copy of my government-issued ID My Social Security card Proof of current address ( utility bill ) An FTC Identity Theft Report filed via IdentityTheft.gov Despite this, Experian has not removed or blocked the fraudulent accounts from my credit file, causing continued harm to my financial standing. 

Fraudulent Accounts Include : 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 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