vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I was traveling out the country. On XX/XX/XXXX my account was closed due to fraudulent activity. This came to a complete surprise as i was stranded out the country due to my account being blocked with over {$7500.00} in it. Im currently XXXX XXXX XXXX and am not able to get my direct deposit due to CitiBank closing my account for no reason. Then after going to the bank XXXX I was told they couldnt help me and to call the security department, after calling their department i was told they couldnt help me and will be dispersing my funds within 60 days. I currently have no access to XXXX XXXX XXXX  dollars and my direct deposits that goes into my account are inaccessible. Please help me with this immediately as I am XXXX XXXX XXXX and cant access my funds.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm a XXXX  and put trust into XXXX XXXX. In light of the current legal, security breach, and compliants on not removing or processing disputes, I don't feel confident that my disputes will be corrected.

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 2025-10-01 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: TX

Complaint narrative:
Upon reviewing my Consumer Report, I noticed that late payments have been reported on an account for which I have consistently maintained timely payments. As you are aware, Consumer Reporting Agencies play an essential role in ensuring that the information they provide is fair, factual, and accurate. Any inaccuracies, such as erroneous late payment notations, can cause undue harm to a consumers credit profile and financial standing.

For the account listed below, I have never missed or delayed a payment : Account Name : XXXX XXXX Account Number : XXXX Given that I have diligently met all of my financial obligations on time, I dispute the accuracy of the reported late payments. I respectfully request that your agency conduct a thorough reinvestigation into this matter. Please provide concrete evidence, such as account statements or payment records, to substantiate any claims of delinquency. 
If you are unable to produce verifiable documentation confirming the alleged late payments, I insist that these inaccuracies be corrected immediately. Specifically, I request that all erroneous late payment notations be removed and that the account be updated to accurately reflect its true on-time payment history. 
As required under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be addressed promptly and that the outcome of your investigation be communicated to me in writing. Ensuring the integrity of my consumer report is of the utmost importance, and I appreciate your cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Complaint regarding Mishandling of my mortgage assistance request. 
My wife passed away on XXXX after 39 years of marriage so her income was no longer available I contacted Huntington bank and requested assistance and they sent me a XXXX XXXX XXXX. XXXX XXXX XXXX from Huntington Bank contact me after receiving my file I was explicitly instructed by XXXX XXXX from Huntington bank not to make XXXX consecutive payments in order to be considered for assistance, I followed the instructions in good faith. 
How ever after complying i was informed that I did not qualify for assistance because my XXXX wife 's income was no longer available. this outcome not only contradicts the guidance I was originally given by Huntington Bank but it has also caused severe and unnecessary damage to my credit. As a direct result of the advice provided by XXXX XXXX at Huntington bank. 
I'm now facing the risk of Losing my home This is very stressful.I had perfect credit for over 35 years I never was late with any of my creditors.never a late payment.Huntington Bank still Making me pay the original high payment and refuse to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX'Marcus Sneed XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute of Inaccurate Credit Reporting XXXX XXXX XXXXTo Whom It May ConcernXXXX  am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the above-referenced XXXX account. Under the Fair Credit Reporting Act (FCRA), only accurate and verifiable information may be reported. The information currently being reported is conflicting and must be corrected or deletedXXXXInconsistencies Identified:XXXXHigh Balance:\nExperian reports a high balance of XXXX, while XXXX reports a high balance of XXXX. Both cannot be correct.\nDate of Last Activity:\nExperian lists XXXX while XXXX lists XXXX. These are conflicting dates.\nDate Reported:\nExperian shows XXXX, while XXXX shows XXXX. The dates differ.\nDispute Status / Creditor Remarks:\nExperian reports Account not disputed / dispute resolved, while XXXX  reports Account disputed / consumer disputes after resolution. These contradictory statuses cannot both be accurate.\nCreditor Type:\nExperian lists Bank Credit Cards, while XXXX lists All Banks. These must be consistent.\nAs you can see, the account is being reported with multiple inconsistencies across bureaus, which makes the accuracy of the entire tradeline questionable.\nI am requesting that you conduct a full reinvestigation of this account as required by FCRA  611 (15 U.S.C.  1681i). If the furnisher cannot provide proper documentation verifying the accuracy of this information, the account must be deleted from my credit report.\nPlease provide me with the results of your reinvestigation in writing.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed certified dispute and demand letters regarding XXXX unauthorized hard inquiries appearing on my XXXX credit file. These inquiries are : XXXXXXXX XXXX  XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I never applied for or authorized credit with either company and have no accounts with them. I specifically requested proof of permissible purpose under FCRA 604 ( a ) ( 3 ), but neither has produced any signed application or authorization. These inquiries are unauthorized and constitute identity theft/error. Reporting inquiries without permissible purpose violates FCRA 604 ( a ) ( 3 ) and creates liability under XXXX. I am requesting immediate deletion of both inquiries from my Experian credit file and written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I am disputing several accounts that are being reported on my credit reports by the nationwide credit bureaus ( Experian, Equifax, and TransUnion ). I believe these accounts are inaccurate, unverifiable, or unfairly reported. 

The accounts in question are : XXXX. XXXX  XXXX Account Number : XXXX XXXX : Paid in settlement / charged-off. 
XXXX. XXXX XXXX XXXX XXXX XXXX Loans ) Account Number ( XXXX ) : XXXX ( two separate loans ) Status : Open / Past due. 
XXXX. XXXX XXXX Account Number : XXXX Status : Collection account Balance {$10000.00}. 
XXXX. XXXX Account Number : XXXX XXXX : XXXX account XXXX {$99.00} past due. 

I request an investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these accounts with each bureau. Please remove or correct any information that is inaccurate, unverifiable, or outdated.

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 2025-10-01 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: NY

Complaint narrative:
I am disputing several accounts that are being reported on my credit reports by the nationwide credit bureaus ( Experian, Equifax, and TransUnion ). I believe these accounts are inaccurate, unverifiable, or unfairly reported. 

The accounts in question are : XXXX. XXXX  XXXX Account Number : XXXX XXXX : Paid in settlement / charged-off. 
XXXX. XXXX XXXX XXXX XXXX XXXX Loans ) Account Number ( XXXX ) : XXXX ( two separate loans ) Status : Open / Past due. 
XXXX. XXXX XXXX Account Number : XXXX Status : Collection account Balance {$10000.00}. 
XXXX. XXXX Account Number : XXXX XXXX : XXXX account XXXX {$99.00} past due. 

I request an investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these accounts with each bureau. Please remove or correct any information that is inaccurate, unverifiable, or outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update 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
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: TX

Complaint narrative:
Its my cash app. Account they cancelled my service due to some activity on it a friend got on my phone and chanced my business account back to a regular account and used that account when I got on my phone couple days later it was closed I told them what happen and that my kids were getting in my account when I didnt know but I can assure XXXX no one will be using my account again but their not hearing it I need my cash app account back XXXX XXXX XXXX XXXX my phone XXXXXXXX XXXX XXXXXXXX they keep saying my account is closed but I can still use it i have tryed loading money it cant be done they are not giving me any answers I have been with them since they opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Account Opened fraudulently in 2018 without my consent or knowledge now in collections. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor fails to conduct due diligent investigation and reporting falsely to credit bureaus. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
In accordance with the Fair Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 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:
I am sending this dispute to challenge inaccurate reporting on my credit file regarding late payment history and account status. The following accounts are being reported incorrectly and require reinvestigation : XXXX XXXX Balance {$0.00} Payment Status : Unknown Date Opened : XX/XX/XXXX XXXX  XXXX Balance {$1000.00} Date Opened : XX/XX/XXXX LATE : 30 DAYS AND 60 DAYS XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Payment Status : Unknown XXXX XXXX Balance {$4900.00} - XXXX XXXX Balance {$3600.00} These accounts either reflect inaccurate balances, incorrect late payment notations, or misapplied account status. Their continued reporting misrepresents my credit history and adversely affects my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX ( a ) ( XXXX U.S.C. XXXX ) provides my right to dispute inaccurate information and mandates a full reinvestigation of disputed accounts. 

If these accounts can not be fully verified with supporting documentation, they must be corrected immediately from my credit file. I request written confirmation of the reinvestigation results and any corrective actions taken within the timeframe required by 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 2025-10-01 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: CA

Complaint narrative:
I am sending this dispute to challenge inaccurate reporting on my credit file regarding late payment history and account status. The following accounts are being reported incorrectly and require reinvestigation : XXXX XXXX Balance {$0.00} Payment Status : Unknown Date Opened : XX/XX/XXXX XXXX  XXXX Balance {$1000.00} Date Opened : XX/XX/XXXX LATE : 30 DAYS AND 60 DAYS XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Payment Status : Unknown XXXX XXXX Balance {$4900.00} - XXXX XXXX Balance {$3600.00} These accounts either reflect inaccurate balances, incorrect late payment notations, or misapplied account status. Their continued reporting misrepresents my credit history and adversely affects my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX ( a ) ( XXXX U.S.C. XXXX ) provides my right to dispute inaccurate information and mandates a full reinvestigation of disputed accounts. 

If these accounts can not be fully verified with supporting documentation, they must be corrected immediately from my credit file. I request written confirmation of the reinvestigation results and any corrective actions taken within the timeframe required by federal law.

Company response to consumer: Closed with non-monetary relief