vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a savings account with a promo rate around XX/XX/XXXX. I deposited {$9000.00} and then another {$1200.00} a few weeks later. Both deposits came from a XXXX account. At the end of XXXX, I attempted to move some money back to the same XXXX account and they froze my account. I made multiple calls, verified my identify and transactions multiple times, and they just told me they were looking into fraud. On XX/XX/XXXX, they closed my account and revoked my access. I have no access or visibility to my funds. They have provided no explanation. I received a letter they could take 60 days to close my account. They have also not started whether I would ever get my funds back.

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 2025-06-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 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 Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts 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

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against National Credit Systems , Inc. for unlawfully reporting an unvalidated and unproven debt to credit bureaus, which has damaged my credit report and caused material harm. 

National Credit Systems claims I owe {$5200.00} related to an account from XXXX XXXX XXXX XXXX XXXX XXXX under Account # XXXX. I dispute this debt in full. There is no court judgment, and no validation documentation has ever been presented to support this claim. 

On XX/XX/2025, I sent a formal dispute email to their address ( XXXX ), demanding validation and deletion of the item from my credit record. They never responded. 

I called their office on XX/XX/2025 and spoke with a representative. They refused to remove the debt or provide any legal documentation or basis for their claim. They could not point to any judgment, invoice, or signed documentation that proves the debts existence. 

This is a serious violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account is unverifiable, and yet has been furnished to XXXX  ( and other bureaus such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), damaging my score without due process or legal foundation. 

I request the CFPB to : 1. Investigate National Credit Systems , Inc. for unlawful credit reporting 2. Enforce the immediate removal of the item from all credit reporting agencies 3. Sanction the agency for its noncompliance and harm caused Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Report : XX/XX/2025 Dispute Sent : XX/XX/2025 Follow-Up Call : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
This agency is falsely reporting a XXXX XXXX XXXX XXXXankruptcy on my record. Attached is a letter from US Bankruptcy courts stating they do not report or verify information in regards to any court records.

This agency is falsely reporting this public record on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Three times in the past six months NewRez Mortgage LLC ( NR/SMS/CAL ) has failed XXXX report my ON TIME payments and this has affected my XXXX score negatively, dropping 30+ points -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them in XX/XX/XXXX, and was told they had no one over to phone to help and to open a claim online. I did that and I never heard back. When I again submitted requests in XXXX and XXXX of XXXX, I received emails saying they would respond as soon as they can, but there has been no response up until now. On XX/XX/XXXX I contacted Fannie Mae and as a result of their involvement, on XXXX XXXX I was contacted by XXXX XXXX from NewRez Mortgage LLC, who indicated that she could tell what the problem was, that every other month ( XXXX XXXX XXXX XXXX ), they had failed to report my ON TIME payments -- the account is on autopay and they have never failed to withdraw it before the due date. She stated that she would look into it and get back to me within a week. I did not hear back from her within that timeframe and on XX/XX/XXXX I emailed her to follow up. Again, no response. On XX/XX/XXXX I received an email from XXXX XXXX stating " See your NR/SMS/CAL mortgage progress from XXXX through XXXX below '' and then this remark : " Looks like you missed a payment, '' so this could be the fourth time my credit score will drop if they don't take responsibility for their mistakes. I am worried and furious that nothing gets done and my credit score suffers due to their incompetence. Please advise what recourse there is because I filed a claim with TransUnion on XXXX XXXX, and they simply responded with " Resolved/Denied. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
This account has repeatedly been updated as charged off every month. Since then the account payment history has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has repeatedly been updated as charged off every month. Since then the account payment history has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) BXXXX XXXX XXXXXXXX

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
Was not able to contact customer service, and dispute transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am writing to respectfully request your assistance regarding a matter on my consumer credit file. I would like to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) concerning the late payments reported by XXXX XXXX XXXX on my auto loan account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX *. 
While I fully acknowledge that there were instances of late payments in the past specifically in XXXX, XXXX, and XXXX of XXXX I have since taken strong corrective action to remain current on this account. As reflected in my credit report, I have made on-time payments consistently for well over a year. 
My payment history has been flawless since early XXXX, and I remain committed to fulfilling my obligations responsibly. 
In light of my current standing and the significant improvement in my payment behavior, I am kindly requesting that the CFPB investigate this reporting and, if allowable under the FCRA, facilitate the removal or suppression of the historical late payment notations. This gesture would greatly support my efforts to rebuild and maintain positive credit, and I believe it reflects the spirit of fair and XXXX reporting standards. 
Attached are relevant documents, including a copy of my current credit report excerpt and ID verification, to assist with your review. 
Thank you for your time and for the continued support your office provides to consumers striving to correct and improve their credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal debit card was stolen from my purse on XXXX XXXX, Tuesday. Within 10-20 minutes of the card being stolen, the following events happened : 1. The perpetrator attempted to use the card to pay over {$13000.00} worth of goods at XXXX on XXXX XXXX, and was declined due to insufficient balance 2. The perpetrator then made 2 unauthorized payment of ~ {$3000.00} in total at the same place which somehow went though, although the app never asked us to confirm the payment, neither was the pin entered at the POS 3. We then got the notification that the transactions went through, realised that the card was stolen, then immediately logged into the account and froze the card 4. After the card was frozen, further attempts were made to use the card but the transaction was declined because the card was already frozen at that point. 
5. We spoke to customer service at the Dispute and Resolution centre as soon as we could on the same day, and they then filed the dispute for investigation 6. We then received emails this week notifying us that the dispute cases were closed in merchants favour and there was no route to escalate/ appeal. The explanation offered in the email does not many logical sense at all and theres no way to discuss it 7. We called PayPal customer service again today, was on hold for a long time, transferred 3 times before reaching the Debit Card department, told the story with all the details 3 times, and then was told to be on hold when the agent looked into it. After another 10 minutes on hold, they disconnected the call without any explanation. We then tried again, was on hold again, and was disconnected again. 

This is a serious breach of trust and consumer duty and closing the dispute cases with clear evidence ( PayPal could see every activity I described above minute by minute ) is complete unfair and is causing significant distress to me and my family. 

We would demand an explanation of why unauthorized transactions of this amount were allowed to happen, why the dispute cases were closed without any serious investigation, and why we were then met with the horrendous customer service when we called to demand an answer. 

We believe this has impacted many consumers not just us and we have seen similar complaints online. If not taken seriously, many innocent consumers, many are vulnerable, will be harmed and this behavior encourages the perpetrators to target cards like PayPal which has no proper protection for consumers. 

Thanks for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Synerprise Consulting regarding their failure to respond to a debt validation request I sent on XX/XX/XXXX. According to the XXXX the certified letter was received on XX/XX/XXXX @ XXXX XXXX. The request was made in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and it pertained to the following medical collection account currently being reported on my credit reports : Creditor Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Amount : {$840.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX In my written request, I asked Synerprise Consulting to provide the following : A copy of the original bill or itemized statement from XXXX XXXX XXXX. 

Documentation bearing my signature showing I agreed to the debt A detailed accounting of the {$840.00} balance Proof that Synerprise is authorized to collect on the debt XXXX authorization or documentation allowing them to access and share my medical information As of today 's date, they have failed to provide any of the requested documentation or even acknowledge my request, which is a violation of their obligations under both the FDCPA and FCRA. Despite this failure, they continue to report this account to the credit bureaus, causing ongoing and unjustified damage to my credit standing.

Company response to consumer: Closed with explanation