vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
On XX/XX/XXXX i call XXXX to discuss skipping my XXXX Payment due o medical bills, i was informed by the XXXX  Rep that I would need to call back after the first of XX/XX/XXXX holiday. On XX/XX/XXXX I contacted XXXX XXXX  to discuss my loan payment for XXXX, I was scheduled to have XXXX on the XXXXXXXX XXXX XXXXXXXX, and due to the medical bills, would it be possible to reduce or skip my XXXX payment, XXXX  rep informed me that they have a 3 month reduced loan payment program that would lower my payment from {$2300.00} to {$1500.00} for three months starting in XXXX, the rep put me on hold so he could submit my request, he informed me that my request to enter the 3month reduced payment program was approved, ( Reduced payment program ID number XXXX ) the Rep also stated that I would not have to pay XXXXXXXX XXXX payment, it would be put to the back of the load contract, he also told me that it would not impact my credit rating, they would not report any missed or reduced payments to the credit reporting agency as long as I made all payments as agreed, after the program ended in XXXX, my monthly payments would go back to the regularly scheduled amount of {$2300.00} per month starting in XX/XX/year>. My first of three reduced payments started on XX/XX/XXXX and would continue for XXXX and XXXX of 2025. I made my first reduced load payment on the XXXXXXXX XXXX XXXXXXXX in the amount of {$1500.00}. soon after I started to receive phone calls from XXXX collection department and credit reporting notices that XXXX reported I was late paying my XXXX payment, this negatively impacted my credit rating. I call XXXX  collection department on XX/XX/XXXX to resolve the issue, they said that as long as i was late they would reported as such to the credit agencies. I called again on the XXXXXXXX XXXX XXXX to again try to resolve the issue, i talked to a Rep named XXXX, she looked up my information and said that since i did not make my payment in XXXX I was late. I again stated our agreement, XXXX agreed they had the agreement in their system but again I was late therefore they reported my to the credit agencies. I requested to speak to a supervisor or manager, i was informed no one was available at this time, i requested to file a complaint, they transferred me over the services department where I explained the issue to a lady named XXXX, she took my information and filed my complaint, looked up the account and read the records and created a case ( Case Number is XXXX ). She informed me their services department would look into it.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
1 ) I have a Citi bank checking account with around {$3000.00}. This weekend, specifically on XX/XX/XXXX, my account was put on hold after trying to send a XXXX payment to a friend. 

2 ) I called Citi bank fraud and they said my account was under review and I had to wait 48 hours. I informed them that I need the funds ASAP as I have to pay bills like tuition and rent and this is my livelihood. The call center showed no remorse or knowledge on how to remedy the situation.

3 ) Called the number again and got same response and then after further communication on hours on end was advised that my account was being closed and my funds will be released in 30 to 60 days. Still no reason as to why this is happening and no remorse to my situation.

4 ) Spoke with executive response team who was helpful, but they referred me to the analyst, XXXX whose tone was very stand-offish and did not give any relevant issue and told me the matter was closed and that I will have to wait.

As far as I am concerned, all my transactions were within guidelines. I did not have any suspicious activity and was not informed of anything going on in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are taking a heavy toll on me and continue to affect me in ways that are deeply stressful and damaging. These are difficult times for me, and it would truly be a great relief, even a blessing, if these inaccuracies were corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I
have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am being pursued by XXXX  for a {$2400.00} debt that is invalid. This payment was a scam ; I was tricked into sending money for a motorcycle that never existed.

I immediately reported the transaction to XXXX  as fraudulent. More importantly, my bank, XXXX, confirmed the fraud and successfully placed a stop payment on the transaction before the funds were ever withdrawn from my account. I have provided XXXX  with XXXXXXXX XXXX official stop payment confirmation letter.

Despite this definitive proof, XXXX  continues to demand payment, citing their internal " Friends & Family '' policy. They are using this policy to avoid honoring my bank 's fraud reversal and to bypass federal consumer protections. 

In a phone call on XX/XX/year>, a XXXX  agent ( XXXX XXXX XXXX ) admitted that their only recourse is to ban me from using XXXX  an

d PayPal, confirming they have no intention of taking legal action or sending this to collections. They are attempting to collect a debt that my bank has already voided due to fraud. > My goal is for XXXX  to close this fraudulent debt, unfreeze my account ( or officially close it with a {$0.00} balance ), and confirm in writing that they will not pursue any further collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXXXXXX XXXX  ) with financing through XXXX XXXX. The cars engine failed within one month. The vehicle was sold with an XXXX warranty, but XXXX confirmed they never received any funds. I later discovered the warranty monies I financed were unlawfully diverted and applied to the loan balance without my consent. The dealer has ignored all attempts to resolve this. Credit Acceptance continues to report and collect on the account despite clear fraud. This violates UDAAP under the Dodd-Frank Act and the Fair Credit Reporting Act. I am requesting loan cancellation, refund of payments, and removal of the tradeline from my credit reports. Documentation includes my formal demand letter, XXXX correspondence, and dealer communication records.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have very serious ID theft issue. I had CITI checking and saving account with CITI. Checking account # XXXX and saving account # XXXX. On XX/XX/year>, I found out someone used my personal info to access my CITI online account and tried to make a check with XXXX without my consent. But I never have XXXX checking account, so the check was returned. Once I found out it, I called XXXX and CITI immediately to report the issue and freeze my account. I went to XXXX branch and they gave me Identity Theft Affidavit ( Form XXXX ), I filled out the form and gave it to XXXX XXXX resolved my issue soon. Meanwhile, I also called CITI and went to the branch to report the fraud issue and let them to freeze and protect my account. They told me they would do. The scammer also tried to access my online account and transfer my money to other account. I am so worried about that. The scammer also used my credit credits without my consent. I went to CITI several times to report the issues. CITI told me that they would take care of the issue. My CITI checking account was closed recently. I tried to get my money back, I think there is {$2200.00} in my checking account and {$500.00} something in my saving account. I called XXXX * XXXX * XXXX, the representative told me that I have to go to branch and let the banker called the back office to get more info. I did. But I was told that my money was transferred to CITI different department and they can't give my money back. They let me call BOA, but I have nothing to do with XXXX. I don't know how to do. This is my hard earned money. I just want to get my money back. Please help me.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have had trouble accessing anything from Transunion including my online account to submit any disputes or to get my credit report. I recently spoke with an agent who explained that he can't speak with me because a company called XXXX sent a letter to them stating that they are handling anything with my account. I asked for a copy of this letter or contact info for this company. The agent refused to give this information to me. I asked for a supervisor who said that she can't give me any of the info either. I explained that I did not sign anything with this company and that this is fraud. When I asked to speak to a supervisor, she stated that there is no one higher to speak to. I finally found contact info for XXXX and they said that this was over 10 years ago and nothing was ever solidified on my side and they never did any work on my account. He suggested I keep trying to contact Transunion. I contacted them again today, XXXX, and the agent listened to what my issue was and then said " do you want to make an online account? '' Clearly, he has no comprehension skills and when I asked to speak with a US based supervisor, he said he couldn't do that. I am absolutely done with this fraudulent situation.

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 2025-08-26 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: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am disputing a late payment entry currently listed on my credit report. My payment records clearly demonstrate that all payments were made on time, and the reported late payment is therefore inaccurate. This false reporting misrepresents my financial responsibility and negatively impacts my creditworthiness.

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 2025-08-26 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened or managed these accounts, and their presence is both inaccurate and misleading, damaging my financial history and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint about inaccurate personal information being reported on my credit file.

I previously disputed these errors and provided the correct information along with documentation, but the corrections have not been made. As of today, the outdated and incorrect information is still showing on my credit report.

My correct personal information is : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What still needs to be fixed on my file : Incorrect Name showing : XXXX XXXX XXXX Outdated/Incorrect Addresses : 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 Incorrect Employers showing : XXXX XXXX XXXXXXXX XXXX XXXX Outdated and wrong personal information creates confusion, can cause misrepresentation, and negatively affects my credit profile. Since this is my second time trying to correct this, I am asking for this to be fixed right away.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 non-monetary relief