vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
2 fraudulent purchases were charged to my Home Depot Citi Card on XX/XX/XXXX, in XXXX, California, totaling {$280.00}. I was on vacation in Arizona at the time and my card was at home on my desk in XXXX XXXX, California. Home Depot Citi Card fraud services called and texted me multiple times that day to notify me of suspicious charges. I called back when I returned to California 2 days later, and spoke with them and confirmed that I did not make the purchases. The person I spoke to confirmed that I was confirming that they were fraudulent charges, and cancelled my card and mailed a new one. On XX/XX/XXXX, I received my statement via email showing that the charges were still on my account. So I called in again and spoke with someone who told me that the fraud department was still investigating, so it should be resolved soon. On XX/XX/XXXX, I received an email that my payment is due, showing the fraudulent charges still there. Today, XX/XX/XXXX, I called to ask for the status of the fraud investigation, since the payment is due soon. And today I was told that the charges were never reported as fraudulent. They are the ones who reported it to me. I called back to confirm. And called to check on it a second time. And only on the third call was I told that it was never reported as fraud. I have no faith that they will make sure it is investigated as a fraud.

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 2025-08-06 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: FL

Complaint narrative:
Im still seeing inaccurate accounts on my credit report, and they were not removed despite previous efforts. I am extremely frustrated and urgently request that the attached documents be carefully reviewed so I no longer have to deal with this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Im extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I even refreshed my browser, thinking it might be a glitch, but the issue remains. I urgently need someone to thoroughly review the documents Ive submitted so I can finally have peace of mind.

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 2025-08-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Multiple unauthorized transactions from a merchant. Paypal says that since I have used the merchant before, therefore the transactions are authorized.

I have claim open directly with the merchant directly ( XXXX  ). However due crypto currencies sent to random addresses and can't be recovered the merchant was NO help. XXXX  has access to my PayPal account, paypal is refusing the investigate this and has now left a negative account balance! 

I reached out to XXXX XXXX  immediately to put a stop payment on paypal  and 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was shocked and upset to find that the unauthorized inquiries are still showing on my credit report. I refreshed the page hoping it was just a temporary error, but nothing changed. Im askingagainfor a proper and immediate review of my submitted documents so I no longer have to deal with this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CT

Complaint narrative:
There is a late payment listed on my credit report that I firmly believe is being reported in error. I have always paid this account on time and have found no indication that a payment was missed or delayed. This false reporting is both misleading and damaging.

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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2025 my Cashapp account was hacked and they were able to do many transactions on my acoount, they were able to get into my bank account that was linked to cashapp, my account is now overdrawn by {$900.00}, I disputed the transactions with cashapp and in 24hrs the investigation was completed and denied, I appealed immediately and in 10 hrs the appeal was denied, honestly I dont think cashapp investigated this situation at all because there is no way it was denied so quickly, the so called merchants that the purchases were made from does not exist when I try to search for them on XXXX, cashapp told me to contact the merchants, the problem is the merchants does not exist online, there is no website, no phone number, no address and no way to contact anyone, if cashapp did indeed investigate they would see that, I did not authorize any payments to anyone on XX/XX/XXXX using cashapp, I did not use cashapp on that day to do any kind of transaction, I have never ordered a cashapp card or used the virtual one, every activity on XX/XX/XXXX was done by scammers, at XXXXXXXX XXXX on that day a new device logged into the account, it shows on the app and then after that everything transpired, I called cashapp at XXXX to tell them what was happening and to try and stop it, they said I had to wait for the payments to clear before I can dispute them, im like why would we do that, why cant we stop it before its completed, it didnt make sense but there was nothing I could do but wait, the next day the payments were completed and I disputed them, in 2 days my disputes and appeals were denied, they sent me a document that tries to suggest that I used XXXXXXXX XXXX  to authorize the transactions, I have never used XXXXXXXX XXXX  in my life, I dont know anything about it, cashapp is going make these thieves get away with everything they did and inturn that allows them to continue to scam people, this is unprofessional and unbelievable at this point, I need help and I dont know where to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing to formally dispute the * * late payments * * reported on my account with * * XXXX XXXX  open 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 2025-08-06 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: FL

Complaint narrative:
I am writing to formally dispute the * * late payments * * reported on my account with * * XXXXXXXX XXXX open 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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
i sent this request in over month ago and got response from one company that didnt address my complaint i didnt ask for jpcb has 3 inquirys on my report which should not be on my report i asked for credit card but they denied me all 3 times check my report i got 1 card from XXXX XXXX which is a XXXX XXXX which i got prior to any of the inquirys on my report which i applied for XXXX XXXX that they denied so shouldnt be on my record

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 2025-08-06 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-06 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: CT

Complaint narrative:
Upon reviewing my credit report, I noticed a hard inquiry that does not align with any credit activity I have authorized. I have always taken strict precautions regarding access to my personal information, and I do not recall initiating any request that would justify this inquiry.

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Reporting Tek Collection Dear Credit Bureau, I am writing to formally dispute an inaccurate and unauthorized collection account listed on my credit report from Tek Collection. The account is listed under the following details : Creditor/Collection Agency : Tek Collection Inc . 
Account Number : XXXX Reported Balance : {$1000.00} Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you immediately investigate this account and provide written verification of its accuracy and legitimacy.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 [ 15 U.S.C. 1692g ], I also have the right to request validation of this debt from the debt collector. If Tek Collection can not provide documented evidence that I owe this debt, it must be removed from my credit report.

Please consider this letter as a formal dispute. If the account can not be verified within the legally required 30-day time period, it must be deleted from my credit report entirely.

I am requesting the following : 1. A full reinvestigation of the disputed Tek Collection account.

2. Written documentation verifying the validity of this debt.

3. Immediate deletion of the account if verification can not be provided.

Please notify me in writing of the results of your investigation.

Attached you will find a copy of my government-issued ID and a utility bill to verify my identity and address.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I send letter to Experian and Try to comunicate but is so hard I would like to know what they gon na need to merge my ITIN with my social Security nember but I try to call many times try to upload documents but tha page doesnt allow hard to speak with a human

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00}

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: SC

Complaint narrative:
United Auto Credit Acct XXXX has many inaccuracies. Equifax is reporting closed with no monthly payment amount and also XXXX balance, with a remarks saying account paid as agreed with a fixed rate and last date of payment XX/XX/XXXX while last active is XX/XX/XXXX Transunion has a balance XXXX Account status as Open and a charge off as bad debt lat reported XX/XX/XXXX comments Profit as loss write-off Date Last Active XX/XX/XXXX date of last payment XX/XX/XXXX reporting as closed Experian- reporting as Open with a monthly payment of XXXX with a balance of XXXX reporting as current last reported XX/XX/XXXX last active XX/XX/XXXX with a last payment XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I was shocked to see a late payment listed, given my solid payment record. Kindly look into this and address it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains a fraudulent entry I did not authorize or open. It is clearly the result of identity theft and should not be linked to my name.

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