vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute the following information in my credit file. The items listed below are inaccurate and/or outdated and should be removed or corrected as required under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, outdated negative information ( such as late payments, charge-offs, or collections ) must be removed after 7 years. [ Adjust to 10 years if its a bankruptcy. ] Furthermore, inaccurate information must be investigated and corrected. 
Please reinvestigate these matters and remove ( or correct ) the inaccurate and/or outdated entries from my credit report. I have enclosed copies of supporting documentation to help with your investigation. 
Please confirm in writing that you have received this dispute and let me know the results of your investigation. I expect a response within the 30-day period as required by law.

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 2025-09-06 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:
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 non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On or about XX/XX/XXXX I called money network so that I could have a new called sent out so that I could access my XXXX eip payment. The card had been mailed to a address in XXXXXXXX XXXX where i haven't lived in years. I was told that I did not report the fraud in a timely manner but did learn about the fraud until they told me I really don't see how it my and they said that the money was taking on XX/XX/XXXX. I didn't start looking for this money until end of XX/XX/XXXX and in XXXX i had to do a XXXX with the Irs twice that's how i knew to call money network .So they could send me a new card to the correct address.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
On XX/XX/year> as the representative of both individuals financial affairs, I mailed to each credit reporting agency notification that both my XXXX XXXX XXXX ( XXXX and XXXX ) are deceased and to close the file and if possible send me acknowledgement reflecting the same. Whether they elect to send me the documentation or NOT, their files should be frozen or expunged to prevent identify theft! That is the only purpose to waste a lot of money mailing a package to them. I included in that package my current DL - by the way we all three have the exact same last name so it's not like there isn't any correlation, both their last valid ID ( DL & Passport ), both Certificate of Death, copy of probate court filing and XXXX  appointment. TransUnion complied with the request ; however I recently received a notice from TU that a cyber breach had occurred and their SSN and DOB were compromised. Experian failed to acknowledge my package or request at all, they simply dismissed it entirely. Equifax sent me the exact same form letters for both, dated XX/XX/year> ( # XXXX XXXX & # XXXX XXXX ) requesting the exact same information i spent a small fortune mailing to them! In otherwards, they completely ignored my mailing to them and proceeded to push a button and send me a form letter stating they can't do anything without my re-sending the exact same documents I had already sent them. NOT GOING TO HAPPEN!!

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 2025-09-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year> as the representative of both individuals financial affairs, I mailed to each credit reporting agency notification that both my XXXX XXXX XXXX ( XXXX and XXXX ) are deceased and to close the file and if possible send me acknowledgement reflecting the same. Whether they elect to send me the documentation or NOT, their files should be frozen or expunged to prevent identify theft! That is the only purpose to waste a lot of money mailing a package to them. I included in that package my current DL - by the way we all three have the exact same last name so it's not like there isn't any correlation, both their last valid ID ( DL & Passport ), both Certificate of Death, copy of probate court filing and XXXX  appointment. TransUnion complied with the request ; however I recently received a notice from TU that a cyber breach had occurred and their SSN and DOB were compromised. Experian failed to acknowledge my package or request at all, they simply dismissed it entirely. Equifax sent me the exact same form letters for both, dated XX/XX/year> ( # XXXX XXXX & # XXXX XXXX ) requesting the exact same information i spent a small fortune mailing to them! In otherwards, they completely ignored my mailing to them and proceeded to push a button and send me a form letter stating they can't do anything without my re-sending the exact same documents I had already sent them. NOT GOING TO HAPPEN!!

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing this account information because my personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account, and it is the result of identity compromise.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
42 USC 408 it is illegal to use anyone 's social security number 15 USC 1666b there is no such thing as late payments, 15 USC 1681i 1681e and 1602 you never had written consent to add anything to my report. 

In accordance with XXXX XXXX TransUnion ( XXXX  ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
42 USC 408 it is illegal to use anyone 's social security number 15 USC 1666b there is no such thing as late payments, 15 USC 1681i 1681e and 1602 you never had written consent to add anything to my report. 

In accordance with XXXX XXXX TransUnion ( XXXX  ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
According to 15 U.S. Code 1681, I have the right under the law to dispute unverifiable information on my credit report. I have disputed these inaccurate credit reports, but the information was kept coming back as verified without proper investigation. The companies failed to provide me with any of the information that I had requested. They also have not provided me with the original contracts with my signature to confirm the accounts and amounts.

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 2025-09-06 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Since I opened my auto loan with Honda financial, payments of $ XXXX  monthly havent been reported to my credit since XXXX XXXX until now ( XX/XX/year> ). Ive contacted them more than once asking why my payments arent being reported and I cant get a direct answer. One representative told me after the loan is paid off then it will report. The only thing they are willing to do is give credit from now on which hasnt happened nor is it fair as Ive been making my payments on my loan! I request all history is reported to all credit bureaus for positive credit effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX, my wife received a request that she submit identity verification from the bank via an online form. On XX/XX/XXXX, she submitted the form but accidentally with the wrong type of id. The bank told us the mistake, and the next day on the XXXX she attempted to rectify this by providing her drivers license. From this point on, there was no communication from the bank whether they received the photo verification. 

On XX/XX/XXXX, she began seeing issues in the account in terms of an alert on the account. She again tried to submit verification via the link the bank provided. Again, there was no response. 

On the night of XX/XX/XXXX, we began to see that our payments were being rejected since XX/XX/year>. This includes automatic payments as well as XXXX  payments My wife this time tried to submit id verification, this time using a passport. 

On XX/XX/XXXX, we called the bank to understand why our account was locked. They said this was due to the id verification. We have asked how to fix this as we have bill obligations. They have not been able to tell us whether they received the id verification. They keep asking us when we submitted it. We have escalated this as much as possible on customer service lines to fix the issue. At this point they told us to call back tomorrow or just resubmit id verification, which we have done several times already. They also stated that id verification would take 3 business days. 

I as the primary account holder never received a single notification of any issue with the account until my payments began bouncing. The app still shows up fine, with no indication that my funds are locked until I try to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Bright Capital Inc
State: MD

Complaint narrative:
The company did not clarify terms to my understanding. Money was coming out of my bank account causing overdrafts. The bank blocked as I tried to reach out. They suspended the account and I requested closure. The following year the charges started popping up again. The bank again blocked the charges. I have again requested closure. I never received the money is the supposed savings account nor do I have access to view anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
In 2022, the lawyer or representative, contacted me. I provided the bankruptcy case #, the documents from my bankruptcy. The representative checked the case, agreed that it was on the bankruptcy and said that the matter was resolved. 3 years later they added it to my credit report attempting to collect more. Amount that was reported and collected in 2022 was {$5800.00} now they are attempting to collect over {$7000.00}. This has been disputed more than once and they keep denying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Consumer Financial Protection Bureau, I am writing in response to a communication I received regarding an alleged debt that you are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following documentation to validate the debt : Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor to whom the debt is owed.

3. A copy of the original agreement or contract that created the debt, or a detailed statement showing that the debt is legitimately mine.

4. Proof that you have the legal right to collect on behalf of the original creditor, including any documents or agreements that demonstrate your authority to collect the debt.

5. The date of the last payment made on the alleged debt.

6. A breakdown of how the debt was calculated, including any fees, interest, or other charges added to the original amount.

7. Proof that you are authorized to collect this debt on behalf of the original creditor.

8. A statement that the debt has not been paid or settled.

Please note that under the FDCPA, you must cease collection efforts until the debt is validated. If you fail to provide this validation within 30 days of receiving this letter, you must stop any further collection activities on this debt and remove any associated information from my credit report.

I look forward to receiving the requested documentation within the required time frame. 

Sincerely, 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 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: TX

Complaint narrative:
Amount due was {$330.00} Amount paid XXXX. 
Balance XXXX Cash App drafted account for full balance. 
I've made at least XXXX calls to get corrected since XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date Of Birth : ( XX/XX/year> ), Contents Of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) that you, the TransUnion 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.These 5 fraudulent accounts consist of a mobile account opened with XXXX XXXX in the amount of {$1900.00} on XXXX, an mobile account opened with XXXX XXXX in the amount of {$3700.00} on XXXX, an credit card opened with XXXX XXXX XXXX in the amount of {$3700.00} on XXXX, an credit card opened with XXXX XXXX XXXX XXXX XXXX XXXX of {$820.00} on XXXX, an credit card opened with XXXX XXXX XXXX in the amount of {$520.00} on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed and cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I disputed an account reported by XXXX XXXX XXXX XXXX, which they claim I owe from a former apartment lease. I sent a Debt Validation Request via Certified Mail under FDCPA 809, requesting the original lease, full payment history, and proof of legal assignment. 

Despite this dispute, Experian continues to report the account as an active collection, failing to mark it as in dispute and potentially misrepresenting my responsibility for this debt.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per your obligations under USC 1681g, please delete these inaccurate accounts within XXXX days.

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 2025-09-06 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Hotel wrongly charged me for a stay that I was not at. Citi card just closed the dispute and told me to work out with the hotel.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one Dates XX/XX/year> Past due amount is reported to be {$3600.00} I got this information on the report that was reported on XXXX  The company capital one has not done anything and I reported it to boroughs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was approved for this XXXX CITI credit card on XX/XX/XXXX. My account was has been closed by creditor since XX/XX/XXXX but I still pay the minimum balance every month. I noticed an error on my credit report in XX/XX/XXXX and I have mailed a coupon tender of payment and sent letters demanding documentation of proof to resolve this matter while currently continuing to make monthly payments. I receive multiple letters of no compliance as response to all of my demands violating my rights.

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