vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX account # XXXX as reported on my credit file. 

XXXX XXXX is reporting inconsistent past-due amounts and balances, which is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that furnishers and credit reporting agencies ensure the maximum possible accuracy of reported information. 

Additionally, XXXX XXXX has not provided a copy of the signed agreement or verification of payments to substantiate the information being reported. Without proper documentation, the account can not be verified as accurate. 

Under my rights pursuant to FCRA 611 ( a ), I am requesting that this account be deleted from my credit report if it can not be properly verified. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX account # XXXX as reported on my credit file. 

XXXX XXXX is reporting inconsistent past-due amounts and balances, which is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that furnishers and credit reporting agencies ensure the maximum possible accuracy of reported information. 

Additionally, XXXX XXXX has not provided a copy of the signed agreement or verification of payments to substantiate the information being reported. Without proper documentation, the account can not be verified as accurate. 

Under my rights pursuant to FCRA 611 ( a ), I am requesting that this account be deleted from my credit report if it can not be properly verified. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The amount is {$500.00}. As of XXXX i looked on my credit report XXXX  is saying the account is closed, but assigned to an attorney. On XXXX  and XXXX  it is stating its open. I have sent multiple dispute letters and they are just being returned with nothing being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * PRESTIGE FINANCIAL SVC * * Regarding : * * PRESTIGE FINANCIAL SVC, Account NO : # XXXXXXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way PRESTIGE FINANCIAL SVC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by PRESTIGE FINANCIAL SVC - The account reported positively for a period of time. 

- After I became delinquent, PRESTIGE FINANCIAL SVC charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I applied to open a business checking account for my XXXX  XXXX XXXX at a Truist branch. I provided valid documents ( submitted both by email to the employee and physically at the branch ). During the process, the Truist representative made unprofessional remarks, including asking a coworker at the reception whether she liked me. She also stated : Thats what we do with non-citizens or permanent residents and demanded a reference letter from other banks ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where I had already opened business ( XXXX ) and personal accounts, which is not a standard requirement. 

The employee further demanded private information unrelated to compliance, including names, contact information from my XXXX  business clients despite NDA signed and with the purpose to know who am I ( when I said that she can open then XXXX account which I have also with other banks which I mentioned above. XXXX XXXX was new with no customers ) and the source of my personal savings. She also falsely stated that Truist does not open accounts for companies incorporated in certain states, specifically XXXX XXXX XXXX, which is not supported by Truists published policies. When I asked her to clarify Truists official terms compared to other banks, she refused to provide any explanation. 
Also she shouted that I am not a good fit for Truist bank. 

To confirm that my documents ( physical ID, passport, SSN, employment authorisation, insurance & bill paper and digitally corporate documents ) to confirm they were valid, I went to a XXXX XXXX branch across the street immediately after this incident, in the same outfit, with the exact same documents. That same day ( XX/XX/year> ), XXXX XXXX  approved my personal account, and the next day ( XX/XX/year> ), they approved my business account for the XXXX XXXX XXXXXXXX. 
Proofs : our emailing where she confirmed that not going to open because it is in XXXX. Email of the representative : XXXX Time : we started at XXXX pm. This demonstrates that Truists refusal was not based on compliance requirements, but on unfair, inconsistent, and potentially discriminatory treatment. I request that the CFPB investigate Truists account-opening practices, require a written explanation for this denial, and ensure that customers are treated fairly regardless of residency, nationality, or state of incorporation.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against U.S. BANK, a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( 2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. U.S. BANK 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-09-19 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-09-19 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
When I opened the account about XX/XX/XXXX they approved my account, a few days later they paused my account stopping any activity and I had to show them I was not selling XXXX against their terms of service. 

They reviewed my account and approved my account. 

I ran XXXX test sales, and PayPal paused my account again, about XX/XX/XXXX they requested shipping information for the XXXX shipments totaling about {$50.00}. The message said allow XXXX days foir review. I waited XXXX weeks and began messaging them. I have sent multiple messages and all they will say in their reply is we appreciate your patients, please allow as a few more days. It's XXXX weeks without any resolution. I believe this is related to debanking and the assumption I might sale a XXXX. I assure you I will not sale a XXXX using PayPal 's services unless they change the terms of service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Please don't delete. Not a duplicate XXXX  returned a dispute back verified I am writing in response to the notice stating that the above-referenced account, furnished by Absolute Resolutions Investments , was verified in your reinvestigation. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Texas Business & Commerce Code 20.06, I am formally requesting further information and correction of inaccurate reporting.

-- - 1. Request for Method of Verification Texas law requires that you provide, upon request, a description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of each furnisher of information contacted in connection with the reinvestigation. 

Please provide the specific method of verification used, including : The name of the person ( XXXX ) and/or department at Absolute Resolutions Investments you contacted ; The manner in which the information was verified ( documentation reviewed, system used, etc. ) ; Copies of all documents provided to you by the furnisher in response to my dispute.

-- - 2. Reporting of Account in Litigation This account is currently subject to litigation. Under both federal and Texas law, information furnished to a credit bureau must be accurate and complete. Reporting an account under litigation as a standard collection or open balance due is misleading and materially incomplete. 

Please update this tradeline to accurately reflect the litigation status. 

If the furnisher can not verify this status through proper documentation, the account must be deleted in its entirety.

-- - 3. Continued Inaccuracies If XXXX  continues to report inaccurate or incomplete information after this notice, such actions will constitute a willful violation of my rights under the FCRA ( 15 U.S.C. 1681n, 1681o ) and the Texas Business & Commerce Code 20.08. I reserve the right to pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney Generals Office.

-- - 4. Action Requested Accordingly, I demand that XXXX  : 1. Provide the full method of verification as required by law ; 2. Correct the tradeline to accurately reflect its litigation status, or delete the account if verification can not be substantiated ; 3. Send me an updated credit report showing the results of your actions. 



Please respond within the statutory time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Citi to close my Citi / AAdvantage Platinum Select World Elite Mastercard. During the call, I was offered the option to convert the account to the Citi / AAdvantage MileUp Card, which was presented to me as a no-annual-fee card. I accepted this offer based on the understanding that there would be no annual fee moving forward. 
However, upon reviewing my most recent statement, I noticed a {$99.00} annual fee was chargedapparently for the previous cardand this fee has been carried over to the new account. I called on XX/XX/year>, and spoke with both an associate and a manager. I was informed that this charge is due to the timing of the account conversion and that the fee was disclosed in the conversion terms. 
While I understand there may be a conversion period, the communication around this process has been confusing. It was not made clear that I would still be responsible for the annual fee from the previous card, especially given that I no longer possess or benefit from that card 's features. In fact, I was explicitly told that the new card would have no fees. 
I have requested a waiver for the {$99.00} annual fee, as I am not receiving any of the associated benefits, but was informed that the fee would not be removed. Furthermore, I was advised that failure to pay would result in interest charges and a negative impact on my account.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been a XXXX and Citi Bank customer for years and spend a lot both companies. I had disputed a charge with a company because services rendered was not from a service tech but XXXX in training. He had no supervision and kept calling the company because he didn't know what to do. This tech serviced and damaged my XXXX XXXX and caused damage on my system. He also didn't place hoses correctly and I called to have the company come back out but they instead told me to tighten my hoses. They never honored their XXXX hour leakage. I ended getting a leak which became larger because the tech didn't align the filters correctly and caused a leak which become larger. I had reached out to the company and they told me that they would refund my service call but they didn't. I had called an spoke to XXXX and then his supervisor and she ended up hanging up on me. I tried to call back and I've been on hold. I need someone to call back.

Company response to consumer: Closed with explanation