vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Over several months XX/XX/2025- XX/XX/2025, I have been dealing with ailing parents, who have life-ending ailments. During these months, I have not checked my bank account. I received several NSF alerts during this time and I funded my checking account without investigating the reasons. Recently, I received notice that my mortgage and car accounts have not been paid due to NSF. 

I do not have an account with these companies that would authorize them to withdraw payment from my checking account. The names on the cards listed below are not, in anyway, associated with me. 

Upon investigating the account, I noticed unauthorized charges : XX/XX/2025 Citicard {$870.00} for a XXXX XXXX XX/XX/2025 XXXX XXXX. {$3900.00} for XXXX XXXX XX/XX/2025 XXXX XXXX XXXX. {$960.00} for XXXX XXXX XX/XX/2025 CitiCard {$2400.00} for a XXXX XXXX On XX/XX/2025 : I phoned the bank telling them what I noticed on the mobile app, and was encouraged to get to the bank straight away. 

On XX/XX/2025 : I went to the bank to dispute the charges and I have been told that I am not within the window of opportunity to dispute charges ; however, the customer service representative will place the dispute in their system.

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 2025-06-07 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: NV

Complaint narrative:
I am a victim of identity theft, and I am requesting that all fraudulent accounts and inquiries that were falsely reported under my name be removed from my credit report. These accounts were not opened or authorized by me and are the result of criminal activity. My local police department advised me to complete an I3C report through the Federal Trade Commission, which I have already done. I am taking all the necessary steps to protect my identity and restore my credit, and I am asking for your assistance in removing these inaccurate entries from my report as part of that process. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX  XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
I am filing a complaint because the creditor is reporting lines on credit on my account that a inaccurate and not verified Ive disputed this directly with the creditor and the business itself but the lines remain without proper documentation or verification. Under 15USC 1681 S 2 creditors must upload accurate information and the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Capital Management Services, LP
State: GA

Complaint narrative:
I am disputing a XXXX secured credit card account that is inaccurately reported on my credit report. I previously requested full verification of the account, including the original signed agreement. XXXX admitted in writing that there is no signed agreement, as the application was submitted online. 



Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to report only accurate and verifiable information. Additionally, under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), they must demonstrate that I affirmatively consented to electronic records and was given notice of all terms. They have not provided such evidence. 



Despite this, XXXX continues to report this account, which has damaged my credit standing and negatively impacted my ability to secure housing, employment, and financial support for my family. 



This inaccurate and unverified reporting has directly harmed my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a call I don't remember the date but I spoke to a portfolio agent who told me what I owed give me options to settle the debt and I agreed to pay a portion of it to close it which I guess they took off like {$300.00} I ended up paying {$450.00} or around that on a debt that was {$790.00} something dollars I paid it off and it's still showing that I have not paid it I keep trying to call the place to have them send me an email saying that I actually paid and they're not giving me anything because they can't find nothing in the system all of a sudden and it's very frustrating because I did pay I did everything the right way I called the place and they're denying me any kind of information to prove that I paid the debt to portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
I have 22 inquiries on my credit report and the only ones that should be on my credit report is the ones connected to my credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
I have 22 inquiries on my credit report and the only ones that should be on my credit report is the ones connected to my credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out of an apartment in XXXX. I paid my bill in full. In XXXX I started getting emails saying I owed a debt to the apartment complex for a carpet replacement which was never told to me in the past. I do not owe rent, utilizes, I moved out and got my deposit back. Therefore I do not owe the apartment complex. Now this company has reported to my credit every month for the last 6 months I not only owe money but they keep adding a dollar each month. This needs to removed from my credit report I do not owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial SVC, I am writing in regard to an alleged late payment you reported to [ XXXX ] on my account. The reported payment is identified as late, and I would like to address this matter based on the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include any report that contains solely information regarding transactions or experiences between the consumer and the person making the report. As such, my transactions and experiences with your company are excluded from the definition of a " consumer report '' and, therefore, should not be reported to any credit reporting agency. 
You do not have the legal right to furnish this information as part of my credit report, as the law explicitly excludes this type of information from being included in consumer reports. 
Furthermore, under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has followed reasonable procedures to ensure that the periodic statement, which includes the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. 
To justify reporting a late payment, you must prove the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
2. Detailed Documentation : 15 U.S. Code 1637 ( b ) outlines specific information that must be included in the periodic statement. I request that you send me all documentation showing that the statement met the requirements and was mailed or delivered within the specified time frame. 
I am requesting this information in good faith under Rule 1002. You are required to provide me with the requested documentation within 10 days of receiving this notice. 
Please do not respond by claiming that you are reporting " accurate '' information, as I have not received the necessary proof of compliance with 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 1666b & 1637 ( b ). Without proof of compliance, you have no basis for reporting the payment as late.

If you are unable to provide the necessary proof of mailing or delivery of the required information un

der 15 U.S. Code 1666b, you are not authorized to report this payment as late, which constitutes a violation of 15 U.S. Code 1681s-2. You are required to eith
er provide the requested documentation or delete the inaccurate late payment entry from my credit report within 10 calendar days from the receipt of this notice. 
Late Payment ( s ) in Question : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: CO

Complaint narrative:
I am unable to cash checks or use mobile banking services with any providerincluding Ingo Money, XXXX, XXXX, XXXX XXXX, and othersbecause of a permanent block that originated from a returned unemployment check during the pandemic. These were COVID-19 PUA checks issued by the State of California in XXXX. Ingo Money flagged them as " duplicate items, '' but I did not duplicate or fraudulently cash any check. This was a state-level administrative error that I had no control over. 

Since then, it has been XXXX  years and I still can not use any check-cashing or mobile deposit service. Every company declines my check cashing or flags me as ineligible due to that same block. Even though some services let me open an account, I cant actually use them to deposit checks. Its like being silently blacklisted from the banking system, and no one will help me fix it. 

This issue started when I was living in Alaska and going through a major personal crisis. The inability to access my funds pushed me further into vulnerability. I was later a victim of human trafficking, and the trauma from that makes it difficult for me to even leave my house. Because I can't go to check-cashing stores or banks easily, this situation has completely limited my access to money and resources. 

Just recently, someone stole a {$200.00} check from me. They knew about my issue and offered to help me get the money, saying theyd cash it for me. I endorsed the check over to them using XXXX, and XXXX allowed the deposit even though the check was in my name. But instead of helping, this person kept the money. How can XXXX allow a third party to deposit my check, but not allow me to deposit it myself?

I have contacted Ingo Money, and they told me the account is on hold, but previously they said I was banned permanently. I explained all of this to their customer serviceincluding the trauma Ive gone throughand I was told they still cant help me. 

I am being unfairly punished for something I didnt do, and I have been financially excluded and silenced for years. This is a systemic issue, and Im requesting : A full review of my account and check-cashing eligibility status Restoration of my ability to deposit and cash checks through mobile and online services Investigation into Chimes role in the check fraud/theft that just occurred A release from whatever internal blacklist is barring me from using these services This situation has severely impacted my financial, emotional, and mental well-being. Its time for someone to take this seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
My account with XXXX XXXX and XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX and XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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