vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
SYSTEMATIC EQUIFAX FCRA VIOLATIONS WITH PROFESSIONAL MISCONDUCT XX/XX/XXXXXXXX  : Sent comprehensive Method of Verification ( MOV ) demand to Equifax documenting systematic professional misconduct enabling impossible debt verification. 

PROFESSIONAL OVERSIGHT VIOLATIONS : XXXX XXXX ( XXXX-certified professional, XXXX TX XXXX XXXX XXXX months systematic validation abandonment while enabling coordinated Equifax credit bureau fraud . 

TIMELINE OF SYSTEMATIC ABANDONMENT : - XX/XX/XXXX : First validation demand to AIM - professional abandonment begins - XX/XX/XXXX : Second validation demand - XXXX months professional silence - XX/XX/XXXX : Third validation demand - XXXX months systematic misconduct - XX/XX/XXXX : Fourth validation demand to XXXX - XXXX months abandonment IMPOSSIBLE VERIFICATION FRAUD : Equifax " verified '' {$29000.00} disputed debt during complete collector silence under XXXX XXXX 's XXXX XXXX oversight, identical to XXXX XXXX XXXX violations XXXX 

COORDINATED MULTI-BUREAU FRAUD : Same debt shows different amounts : XXXX  {$28000.00} vs Equifax {$29000.00} under identical XXXX XXXX XXXX XXXX. 

XXXX PRECEDENT VIOLATIONS ( $ XXXX PENALTY ) : CFPB found XXXX violated identical standards under professional oversight : - " Collecting on unsubstantiated debt '' - identical to XXXX months validation abandonment - " Conducting unreasonable investigations '' - identical to impossible verification during silence - " Failing to timely resolve disputes '' - identical to systematic professional abandonment WILLFUL FCRA VIOLATIONS : Professional XXXX certification creates enhanced investigation standards that were systematically violated through coordinated credit bureau fraud . 

XXXX XXXX VIOLATIONS : Texas professional misconduct ( XXXX XXXX ) enabling Nevada consumer harm through systematic credit bureau coordination. 

ENHANCED DAMAGES JUSTIFIED : Professional certification abuse eliminates inadvertent mistake defenses, creating enhanced liability comparable to XXXX XXXX XXXX precedent requiring maximum statutory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-19 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint against THD/CBNA for furnishing inaccurate information to the credit reporting agencies. Despite my prior disputes, THD/CBNA continues to report inaccurate and misleading data on my credit file, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of information, THD/CBNA has a duty under FCRA 623 to provide accurate reporting and to promptly correct or remove any information that can not be verified. 

The disputed account is THD/CBNA ( Acct. No : XXXX ), opened on XX/XX/year> with a reported balance of {$6800.00}. This account is being reported as a charge card/open and reflects a 30day late payment in XX/XX/year>, which is not accurate. This derogatory entry is false and harmful to my credit file, and it has not been properly validated or corrected despite disputes. Reporting such inaccurate late payment information misrepresents my payment history and constitutes a failure to furnish information with maximum possible accuracy. 

By continuing to furnish false information, THD/CBNA is in violation of its obligations under the FCRA. This inaccurate reporting has damaged my credit standing, affected my ability to obtain credit, and reflects negligent and willful noncompliance. The failure to correct the record after notice of dispute further demonstrates disregard for consumer protection requirements under federal 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 explanation
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$1500.00}, XXXX XXXX  XXXX XXXX balance {$93.00}, XXXX XXXX XXXX balance {$3300.00}

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Emailed and asked for debt valuation with no response. Breach of contract from bankruptcy. XXXX. HFD was the processor for the payments and not the company the money was going to. HFD has no legal obligation to ask for the debt to be paid to since the money is not for HFD. Contract was voided with the bankruptcy of XXXX promised lifetime guarantee and XXXX  replacements and after support with the treatment. Customer reps are not reachable so we can not receive help or get questions with our treatment. The treatment is unfinished due to these issues not being able to contact customer service for replacement XXXX  and I am not satisfied with my treatment. Due to these reason the account needs to be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was involved in a scam involving a puppy. They had multiple online pages that made it look legit, with all their numbers, emails and websites leading to each other. However, when I looked much deeper into it I realized it was a scam. I reversed image searched the dog and found it. I found XXXX negative review on the XXXX  website, and when I contacted the scammer regarding this they immediately became defensive. 

I reached out to my bank and told them that yes it was originally authorized by me, however I was scammed. They preyed on my emotional vulnerability in need of a service animal and they used that to their advantage. My bank did not care and told me they were sorry but I approved it. I was banking with Chime, and I have officially decided after my interaction with them today that my money is not safe with them. 

Im attaching photos below of everything I have as evidence as well as the receipt of the payment to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
This letter serves as a formal declaration that my request to block the fraudulent accounts listed below does not fall under any of the following categories : My request to block was NOT made in error. My request to block was NOT based on a material misrepresentation. I did NOT knowingly obtain, nor should I have known that I obtained, goods, services, or money as a result of any transactions related to the accounts I am seeking to block. I am a victim of the recent legal actions taken against Experian, specifically the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) for conducting " sham investigations '' of credit report errors. In the case of CFPB v. Experian Information Solutions , Inc., the CFPB accused Experian of failing to properly investigate consumer disputes, misrepresenting the accuracy of credit reports, and engaging in unfair practices that resulted in consumers being harmed by inaccurate credit 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint against Truist for reporting inaccurate information on my credit report, specifically the reporting of a 30-day late payment that did not occur. 
Account Information : Creditor : Truist Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance Owed : Approximately {$330.00} {$380.00} ( depending on reporting date ) Issue : Truist has reported a 30-day late payment on this account. This reporting is false and inconsistent with the actual payment history. Both XXXX XXXX XXXX XXXX show contradictory information, but each bureau reflects that the account is currently Open and Current. 
On XX/XX/XXXX, I mailed Truist a formal dispute letter regarding this inaccurate reporting. I have not yet received a resolution. At the same time, I am filing this complaint to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 
Why This Is Inaccurate : My account payments have been made on time. 


Other credit reporting agencies reflect the account as Current.

The reported 30-day late payment is not supported by my 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 explanation
Consumer complaint received 2025-08-19 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: CA

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There is a statement credit promotion that Each month I can earn a {$100.00} Statement Credit when I spend {$1000.00} {$1900.00} each month OR {$200.00} Statement Credit when I spend {$2000.00} or more each month, and Statement credit is based on eligible gas station, grocery store, and restaurant purchases each month until XX/XX/year>. 

I spent over {$2000.00} in XXXX, but Citi Card only gave {$100.00} statement credit not {$200.00}. I talked to customer service, and the agent told me that some transactions are marked as XXXX XXXX XXXX, which is not fall under the restaurant purchase. 

However, in the foot note I received clearly mentioned that " Restaurant purchases are those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. ", and those should be counted as restaurant purchased. 

I contracted the customer service, they were not able to resolve issue.

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 2025-08-19 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: MD

Complaint narrative:
The fair resolution is the immediate and permanent deletion of the fraudulent accounts and inquiries listed in my complaint, in compliance with FCRA 1681c-2 and 15 USC 1681b ( c ). These items were never authorized by me and resulted from identity theft. I have already provided an FTC Identity Theft Report and supporting documents. If the furnishers can not provide proof of my authorization, the accounts and inquiries must be blocked and removed within the statutory timeframe, and I should receive written confirmation and an updated report. 

Fraudulent 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 USC Code 1681eb. 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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 2025-08-19 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: OK

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
A formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I request that you initiate a reinvestigation of the accounts listed below and remove them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 USC Code 1681eb. 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 to be removed/updated. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-19 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX BALANCED {$690.00} XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX BALANCED {$14000.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$5100.00}

Company response to consumer: Closed with non-monetary relief