vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
b'YOUR COMPLAINTXXXX XXXX XXXX Re: Dispute of Derogatory Credit Reporting Macys XXXX XXXX XXXX  (Account #XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute derogatory information reported on my credit file concerning my Macys XXXX XXXX XXXX  (Account #XXXX XXXX XXXX), specifically relating to a missed or late payment. On XXXX XXXX XXXX, my son tragically passed away, and I had to travel out of the country during this difficult time. Amid my grief, I made multiple attempts to contact your customer service team to check the status of my account. Each time, I was assured that my account had a zero balance. Despite these assurances, I later discovered a derogatory mark on my credit report related to this account. I spoke with a representative named XXXX  from XXXX/CBNA, who confirmed there were no other active cards in my name. I was also informed that a $XXXX  charge appeared due to residual interest after I had already paid the full balance of $XXXX  on XXXX  XXXX XXXX (Confirmation #XXXX). When I questioned the charge, XXXX  explained that it was interest from the following billing cycle. However, since the subsequent statement showed a XXXX  balance, the interest charge was unwarranted. She acknowledged the error, apologized, and confirmed that the interest was waived and credited to my account. As of XXXX XXXX XXXX my account was fully paid and remains at a XXXX  balance. I respectfully request that XXXX/CBNA remove this inaccurate and harmful information from my credit report immediately, as it is negatively affecting my credit and purchasing ability. Please find attached:  A letter from the U.S. Embassy verifying the personal loss I experienced  Written confirmation from Macys XXXX  showing a XXXX  account balance Thank you for your attention to this matter. I appreciate your prompt assistance in correcting this error. Sincerely, XXXX XXXX (XXXX) XXXXAttachments\XXXX  XXXX  Bal XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nHide full complaint'

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 2025-09-09 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-09 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: FL

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

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 2025-09-09 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On or about XX/XX/year>, I called XXXX regarding technical issues and concerns about interruption and weird things going on with my device. I was being transferred and placed on hold countless times to different people and departments. At this point, I asked that the mobile service be disconnected. The mobile service was disconnected immediately and with that said, " Why am I being charged {$140.00} and some change? '' When I had paid the month of XXXX payment and XXXX services just began. I was credited by XXXX mobile and an email was sent for the updated payment amount. In which, I have tried to pay the balance of {$16.00} and have not been successful when speaking with Xfinity specialists/associates I have been told that they don't take debt or credit card payments. That I need to pay with checking account in which they have on file ending with last XXXX digits XXXX. I made the associates aware that I no longer have the account and all cards were returned to TD Bank and requested to have banking account details removed and was told that they have to keep and have an account listed. I stated, " That's false reporting. '' If I no longer bank or do business with XXXX Bank institution. They also have been trying repeatedly to take payments out of a closed account. Again, I am disputing {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX loan was paid 20 years ago. My wages were garnished to pay my loans in full. I dont owe anything. Please remove this from my report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-09 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: TX

Complaint narrative:
I am formally disputing the fraudulent hard inquiries that have appeared on my credit report. At no point did I authorize these inquiries, nor was I made aware of them. Their presence is both inaccurate and damaging to my credit profile, compromising the integrity of my credit history.

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

Complaint narrative:
I am writing to formally dispute the fraudulent hard inquiries listed on my credit report. I did not authorize these inquiries, nor do I have any connection to the entities responsible for them. Their inclusion is false, misleading, and severely damaging to the accuracy of my credit file.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX: Dispute of Derogatory Credit Reporting XXXX XXXX Credit Card (Account XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute derogatory information reported on my credit file concerning my XXXX XXXX  Credit Card (Account XXXX XXXX XXXX, specifically relating to a missed or late payment. On XXXX XXXX XXXX my son tragically passed away, and I had to travel out of the country during this difficult time. Amid my grief, I made multiple attempts to contact your customer service team to check the status of my account. Each time, I was assured that my account had a XXXX balance. Despite these assurances, I later discovered a derogatory mark on my credit report related to this account. I spoke with a representative named XXXX  from XXXX, who confirmed there were no other active cards in my name. I was also informed that a XXXX charge appeared due to residual interest after I had already paid the full balance of XXXX  on XXXX XXXX XXXX  (Confirmation XXXX. When I questioned the charge, XXXX  explained that it was interest from the following billing cycle. However, since the subsequent statement showed a XXXX  balance, the interest charge was unwarranted. She acknowledged the error, apologized, and confirmed that the interest was waived and credited to my account. As of XXXX XXXX XXXX, my account was fully paid and remains at a XXXX  balance. I respectfully request that XXXX remove this inaccurate and harmful information from my credit report immediately, as it is negatively affecting my credit and purchasing ability. Please find attached:  A letter from the U.S. Embassy verifying the personal loss I experienced  Written confirmation from XXXX XXXX showing a XXXX  account balance Thank you for your attention to this matter. I appreciate your prompt assistance in correcting this error. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-09 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:
b'YOUR COMPLAINTXXXX XXXX XXXX Re: Dispute of Derogatory Credit Reporting  XXXX XXXX XXXX XXXX (Account XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute derogatory information reported on my credit file concerning my XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX XXXX specifically relating to a missed or late payment. On XXXX XXXX XXXX, my XXXX XXXX XXXX XXXX and I had to travel out of the country during this difficult time. Amid my grief, I made multiple attempts to contact your customer service team to check the status of my account. Each time, I was assured that my account had a XXXX  balance. Despite these assurances, I later discovered a derogatory mark on my credit report related to this account. I spoke with a representative named XXXX  from XXXX who confirmed there were no other active cards in my name. I was also informed that a $XXXX  charge appeared due to residual interest after I had already paid the full balance of $XXXX  on XXXX XXXX XXXX  (Confirmation #XXXX). When I questioned the charge, XXXX  explained that it was interest from the following billing cycle. However, since the subsequent statement showed a XXXX  balance, the interest charge was unwarranted. She acknowledged the error, apologized, and confirmed that the interest was waived and credited to my account. As of XXXXXXXX XXXX XXXX my account was fully paid and remains at a XXXX  balance. I respectfully request that XXXX/XXXX  remove this inaccurate and harmful information from my credit report immediately, as it is negatively affecting my credit and purchasing ability. Please find attached:  A letter from the XXXX XXXX  verifying the personal loss I experienced  Written confirmation from XXXX XXXX showing a XXXX  account balance Thank you for your attention to this matter. I appreciate your prompt assistance in correcting this error. Sincerely, XXXX XXXX XXXX XXXXAttachmentsXXXX XXXX Bal XXXX XXXXpdf (1.8 MBXXXX XXXX letter JG.pdf (656.6 KB)\nHide full complaint'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
Company not allowing me access to my funds. It has been almost a week since they froze my account on bogus terms. I have used my account as I should. They denied my payroll check going in which caused problems with my pay and then denied me access to my money. They have no idea when it will be resolved and havent given me any information. I have messaged multiple times they apologize that Im not happy with the resolution however they havent given me a resolution. Im fine closing my account but I need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased tickets to a concert via XXXX on XX/XX/year>. I worked deliberately to select tickets that would have a clear view of the stage and be close enough for taking some memorable photos. The tickets were not marked " limited view. '' I also referenced " aviewfrommyseat.com '' to try and confirm I would not have any obstruction between my seat and the stage. Furthermore, I was assured by XXXX 's policy on their website that specifically calls out that they offer limited refunds and exchanges. 

On the day of the event ( XX/XX/year> ), the tickets arrived in my mobile app and were marked " limited view. '' When I saw this prior to leaving for the event, I called XXXX support at XXXX and spent XXXX minutes on the phone with them trying to resolve this dispute. I offered multiple possible solutions ( including an exchange or to accept different tickets with no refund of the cost difference. ) I was told twice on the phone that the app was incorrect and my seats were not limited view, so there was no cause for concern. I expressed additional concerns, pointing to social media posts where users had similar issues at the same venue the day before ( XX/XX/XXXX ), and was told my ticket would be escalated to a supervisor and that they would contact me back before the start of the event. They did not contact me back, and I arrived at the venue to find out that my seats were, in fact, limited view. 

I filed a dispute via American Express once I returned home ( on XX/XX/XXXX ), and provided them my receipt, screenshots, call log, and a photo from my seat. They approved my dispute. 

XXXX contacted me on XXXX XXXX to ask for further details to resolve the dispute. I provided the details over the phone and sent them photos from my seat to show I did have an obstructed view. 

On XXXX XXXX, American Express reversed their decision and rebilled me. They stated that they had been in contact with XXXX, who told them that " all sales are final. '' I called American Express and spoke with a representative. To them, it did not matter that I had been baited and switched, and that the tickets I received were not as described at the time of purchase. They sided with XXXX, stating that while XXXX does offer limited refunds and exchanges per their terms and conditions, XXXX had stated that my sale was final. They believed that " all sales are final '' policies gave the merchant significant leeway in what they were allowed to deliver to the buyer, even allowing them to deliver a good or product that did not match the original description.

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

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-09-09 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:
The bankruptcy appearing on my credit file is inaccurate and fraudulent. I have never filed for bankruptcy, and no such record exists in 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
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: IL

Complaint narrative:
My income tax money was direct deposited to my netspend account while I was in rehab. Well my ex-boyfriend had my card apparently and him and his new girlfriend spent almost all my money. So when I got out and noticed it I called netspend and wanted to file a dispute. The very next day I tried ordering online and I couldn't. SO I call netspend and ask why and they told me my account was closed and they would send me my XXXX XXXX by check in the mail. I asked about my dispute for the rest of my money and they wouldn't answer me about it. So I'm calling them over and over and asking where my check is and they keep saying it's been sent. But that was 3 months ago and still nothing.

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