vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Complaint to the CFPB XXXX ( Account ending in XXXX ) To Whom It XXXX Concern : I am filing this formal complaint against XXXX XXXX XXXX ( XXXX ) and the credit reporting agencies Equifax, Experian, and TransUnion due to serious reporting inaccuracies that are negatively affecting my credit profile. 

This account was opened on XX/XX/XXXX as an unsecured installment loan, with a current monthly payment of {$58.00}. Despite making timely payments and the account being paid as agreed, all three bureaus are incorrectly reporting a XXXX late payment in XX/XX/XXXX, which is completely false and damaging. 

Key Inaccuracies : Equifax shows a XXXX late payment in XX/XX/XXXX, yet my last payment is listed as XX/XX/XXXX, and the status is " XXXX ''. 

Experian reports a XXXX delinquency as well, even though it shows consistent " OK '' history and the last payment on XX/XX/XXXX. 

TransUnion also reflects a XXXX late mark despite showing the last payment made on XX/XX/XXXX and current status. 

No dispute or investigation has been conducted by the furnishers or CRAs despite these inconsistencies. 

Equifax shows XXXX terms on a XXXX loan, which is inaccurate. 

The account is reported as Negative even though it is current and active. 

VIOLATIONS OF FEDERAL LAW : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681s-2 ( b ) : The furnisher failed to investigate and correct inaccurate information upon dispute. 

1681i : Bureaus have not corrected false information or conducted a proper reinvestigation process.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting of loan performance and payment obligations distorts my payment behavior, violating transparency in loan terms and disclosures.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By sharing erroneous financial data with third parties without safeguarding accuracy, XXXX and the bureaus failed to maintain the confidentiality and integrity of my financial information. 

Consequences : Due to these false XXXX late marks and the unjustified negative status, my credit score has been severely impacted, affecting my access to essential financial opportunities. This is not only unfairit is unlawful under the provisions mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year> 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX  XXXX XXXX BALANCE {$3400.00}, XXXX XXXX  XXXX BALANCE {$4800.00} XXXX XXXX BALANCE {$10000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US  Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX-2025, I opened a XXXX XXXX XXXX credit card with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA XXXX store # XXXX. I applied for the card in my name, with my ss number and my driver license and information. When the card came it was in my husbands name. When I tried to look up the account online to see if I got the promotion they offered, there was nothing under my ss number. They opened the account under my husbands name and ss number. I called the citibank number and asked them how they got my husbands ss number and opened an account in his name, when I applied under my name and ss number. She did not know and told me to go to the XXXX XXXX store and ask them. Went to the store and they said they have nothing to do with those applications. Called citibank again to no avail. They wanted to close the account and open another, but I heard closing an account can go against your credit score and we have an excellent credit score. I said leave things as is. I called XXXX XXXX customer service and they could not give me any answers. They did submit a claim with a reference number. I did call XXXX XXXX again with my reference number, no body knows nothing! 
After giving out our ss numbers to all these people I talked to, I said that is it, I am filing a complaint with CFPB and they can talk to CFPB and tell them how they got my husbands ss number and opened an account in his name. Thanks, K

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app let someone opening up an account using my information I have submitted police reports and more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
XXXX XXXX : World Remit Sender : XXXX XXXX XXXX Recepient : XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Bank XX/XX/year> - Transferred money to XXXX XXXX through XXXX Remit app amounting to XXXX XXXX XXXX XXXX. Transfer Number from XXXX XXXX : XXXX Status : Delivered but XXXX not received. 
Contacted XXXX XXXX and report the issue multiple times for more than a month until today. Provided to them Account Bank XXXX of my Recepient as a XXXX that my recipient hasn't receive the money. 
Case Number From XXXX XXXX regarding my complaint XXXX, XXXX, XXXX and XXXX. They keep closing my complaint to them without proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been an American Express Business Card customer for over 5 years with a perfect payment history. Recently, I experienced a significant drop in income and proactively reached out to AMEX to enroll in a Financial Relief Program to avoid default.

Their website clearly advertises both a 12-24month and a 48-month relief plan, depending on the customer 's profile. I specifically requested the 12-24month option, which is more suitable for my temporary situation.

After more than 6 hours between live chat and phone calls on XXXX XXXX XXXX I was repeatedly told that only the 48-month plan was available and no escalation channel was provided. This long-term plan would damage my credit visibility and disqualify me from other AMEX products for over a year, even though I am trying to resolve this before falling behind. 

I requested : A second-level review of my eligibility A transcript of the chat session ( denied via email ) Clear written explanation of eligibility criteria ( not provided ) I am not refusing to pay. I am asking for a shorter-term, fairer structure that matches what is advertised and does not unnecessarily harm responsible customers. I am submitting this complaint to request CFPB assistance in holding AMEX accountable to the options they publicly promote.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I've been getting non-stop calls from Reliant Capital Solutions, based in XXXX, Ohio, for months. Despite repeatedly asking to be put on their do-not-call list, the calls keep coming - usually during work hours when I'm busy at my job at a doctor 's office. I've even told them that the number they're calling from looks like my mom 's, so I often pick up thinking it's an emergency. Each time I've spoken to a representative, they've claimed to put me on the do-not-call list and update the bankruptcy status, but it's clear they haven't been following through. 

Today, I spoke with a collector who was completely different from the others. He was aggressive, deceptive, and argumentative, refusing to put me on the do-not-call list and claiming the company doesn't honor such requests. I explained that as a third-party collector, he's required to respect my wishes and remove my number or put it on the list. He wouldn't budge, even when I tried to record the call and he became hostile, eventually hanging up on me. 

When I called back and spoke to supervisor XXXX XXXX, she apologized and confirmed that my number wasn't properly flagged as do-not-call. She updated my account and assured me that the collector should have honored my request. This whole ordeal has been incredibly frustrating, and it's clear that Reliant Capital Solutions has been disregarding FDCPA guidelines and harassing me with their calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
There was fraudulent activity that were the result from a recent data breach. 

-Central Portfolio ( XXXXXXXX XXXX XXXX ) Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I requested that Fay Servicing remove the escrow account from my mortgage and allow me to pay property taxes directly. Over the course of several months, I communicated by phone and email more than a dozen times, and I paid approximately {$30000.00} in escrow charges to bring the account current. 

At no point during those communications did Fay disclose that escrow removal required the account to be contractually current for 12 months. I made one late payment ( 30 days only ) due to the monthly cost being inflated by escrow ( from $ 3800 monthly to more than {$9000.00}, which I've being paying month over month while struggling to keep up ).

Only after all payments were made and the formal request submitted in writing was I informedwithout prior warningthat my request was denied due to that late payment.

I consider this a case of misrepresentation and failure to disclose material conditions. Had I been informed earlier, I would have taken steps to avoid the issue or explored alternatives. Instead, Fay took {$30000.00} from me and failed to deliver on their implied agreement to process the escrow removal after balance was paid.

I'm attaching all paper trail and communications with Fay Servicing, along with payment history since beginning on 2025 Here are my details : Loan Number : XXXX Borrower Name : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX, and XXXX  for CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
* date open is different on each bureau * number of months/terms on each bureau * payment status on each bureau Last date active on each bureau Last date of payment on each bureau I see this account is also written as a charged off, meaning the debt was sold and if that in fact is the case a 1099 c should be completed as paid off debt. Please delete this off my credit report

Company response to consumer: Closed with explanation