vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I spoke with a representative which wasnt sure why I was receiving interest. This agent soon get flustered with my questions and quickly sends me off to a supervisor without my request. The supervisor continues to look into my account. They see that Im not receiving 0 % interest because I never had a balance transfer done. Which then led to my next issue. I was never given the access to do said balance transfer. When I originally submitted for it. You do not have access to balance transfers is what was read on my account. When speaking with the agent he gets flustered as well and forces that I have evidence of said event. I mention to him that I spoke to a representative which assisted me with my autopay they I introduced the question to, but we continued to work on an autopay situation. The supervisor explains to me that there was never any trace of me speaking with a rep. Then tells me I most likely was speaking with a collections agency. Then proceeds to tell me that the collections agency would be Citibank and that he would be able to find said call. When I told him that he should see it very clearly then, he continued to tell me that the call did not exist. After neglecting any further service or to hear my statements he gets flustered further and decides to say he is ending the call and places me on hold. Me understanding that he should not be hanging up, I stay on hold for a few minutes and he decides to transfer the call to a CSR line. I then go through the process of finding another manager to explain the situation of how I got swindled out of taking advantage of my promotional offer and then get through the same process and let them know that I would like to escalate the previous call. I ask for receipts on the escalation and that I would like a follow up and to speak with someone of higher importance and the manager decides that he was done speaking with me and hands up the phone. I realistically would love for anyone that is dealing with a similar situation to be compensated for it because not only was it misguided towards an understanding that 0 % interest was included for 12 months, but the promotional offer that was only accesible through a balance transfer was not available for an account that was opened solely for the benefit of the offer with the balance transfer. Please assist me with making this a bigger solution and holding them accountable for setting up there offers to fail and misguide their customers into believing they are getting something that they are not. Now Im forced to have a credit card with a company that doesnt have the slightest desire of assisting their customers and Im trapped using them unless I want it to negatively affect my credit.

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 2025-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-05 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out because I discovered troubling inaccuracies in my credit file, and I need your help to make sure my report reflects the truth. 
I once had an account with XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ), which I responsibly paid off, leaving a {$0.00} balance. However, it is still being reported as if it were late and closed with activity noted on XX/XX/XXXX. This is misleading and unfairly damages my credit standing. Under FCRA 607 ( b ), you are required to maintain maximum possible accuracy, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not continue to report false information. 
In addition, I found a collection account from XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ) XXXX XXXX reporting a balance of {$270.00}. I do not recognize this debt. Under FCRA 605 ( a ) ( 4 ), accounts placed for collection must be reported accurately and within the proper time frame. Furthermore, under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector is required to cease collection and provide proper validation if a consumer disputes the debt in writing. Until XXXX validates this account, it must not continue to be reported. 
Finally, I am deeply concerned about the number of hard inquiries listed in my file. On multiple dates in XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX, inquiries appeared from institutions including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-05 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: SC

Complaint narrative:
I am reaching out because I discovered troubling inaccuracies in my credit file, and I need your help to make sure my report reflects the truth. 
I once had an account with XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ), which I responsibly paid off, leaving a {$0.00} balance. However, it is still being reported as if it were late and closed with activity noted on XX/XX/XXXX. This is misleading and unfairly damages my credit standing. Under FCRA 607 ( b ), you are required to maintain maximum possible accuracy, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not continue to report false information. 
In addition, I found a collection account from XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ) XXXX XXXX reporting a balance of {$270.00}. I do not recognize this debt. Under FCRA 605 ( a ) ( 4 ), accounts placed for collection must be reported accurately and within the proper time frame. Furthermore, under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector is required to cease collection and provide proper validation if a consumer disputes the debt in writing. Until XXXX validates this account, it must not continue to be reported. 
Finally, I am deeply concerned about the number of hard inquiries listed in my file. On multiple dates in XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX, inquiries appeared from institutions including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I closed on my house last XXXX of XXXX and the loan servicer was United Wholesale Mortgage. At the end of XX/XX/XXXX, I received notice that I was being transferred to another loan servicer in XX/XX/XXXX. It turns out I was transferred to the same company, United Wholesale Mortgage. I sent a payment in XXXX as usual to the " new '' company. On XX/XX/XXXX around XXXX, I contacted UWM as it showed I was 56 days past due on my mortgage. Their customer service chat feature says it's " unavailable '' no matter how many times you log in. I called the company at that time and a loan servicer named XXXX XXXX answered. I had sent a payment to the company on XX/XX/XXXX and it shows on my bank statement. However, the agent told me that she saw the payment was returned and did not know why, which it doesn't show returned in my bank account. She advised for me to call back to speak with customer service on Monday and to not pay from my bank account until the situation was rectified. She proceeded to remove my XXXX payment. She said to send a certified letter to their " research department '' as well to a XXXX XXXX XXXX look into it and it would take 30 days. She also advised I'm being transferred again to a different mortgage company in XXXX. I sent the certified letter on XX/XX/XXXX and have not received a response yet. After this, I still attempted to call their company and was on hold for over an hour with the call being transferred numerous times and the chat feature still " unavailable ''. I was finally able to speak to someone on the phone on XX/XX/XXXX but they couldn't answer my questions about why my payment was showing " returned '' and tried to pressure me to give them money right then and there, which I refused without an itemized statement and they hung up on me. Their practices don't seem legal to me at all and before anything happens to my mortgage, it needs to be investigated as it seems they are trying to get whatever they can before I go out the door to another company. If you XXXX this, you will see I'm not the only XXXX in this situation. No one answers at the company. They are sure quick though to send warnings of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 entry is late and potentially incorrectplease verify.

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 2025-09-05 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: MI

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding inaccurate reporting of a XXXX  XXXX XXXX 30-day late payment. 
I have submitted multiple disputes, including certified letters, and under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), XXXX XXXX was required to conduct a reasonable investigation and provide the results within 30 days. Instead, they continue reporting the disputed late payment without verifying it. 
This is not just my opinion. I now have documentary evidence from two other XXXX  CRAs : XXXX letter ( XX/XX/year> ) : states the XXXX  XXXX XXXX tradeline is not in our database. 
XXXX XXXX response ( XX/XX/year> ) : confirms they have no consumer report on file for me and can not verify the tradeline. 
This proves the XXXX  XXXX XXXX 30-day late can not be verified. Under FCRA : 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy.

611 ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted.

Despite this, XXXX XXXX continues reporting the late payment. That is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CT

Complaint narrative:
This letter serves as a formal dispute of the inaccurately reported late payment currently listed on my credit file. My records clearly confirm that all payments have been made on time, and this reported delinquency is a mistake. The continued presence of this entry unjustly harms my financial standing and misrepresents my payment behavior.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-09-05 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:
Complaint Narrative : I am filing this complaint regarding XXXX ( auto loan account ), which is being reported inaccurately by XXXX, Equifax, and XXXX. 

Account details : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$0.00} ( paid in full ) Status : Paid/Closed ( but still reported derogatory ) Issues : False derogatory reporting The account is fully paid with a {$0.00} balance, yet still shows negative status and late payments. 

Contradictory information across bureaus Equifax and XXXX  list Paid, while XXXX  reports Closed derogatory. 

Improper late payment history Bureaus report 30-day lates in XXXX despite the account being already closed and settled. 

Violations of consumer rights This account should only reflect Closed PaidXXXX Balance with no derogatory remarks. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Credit reporting must ensure maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Paid/closed accounts can not be misreported as derogatory.

607 ( 15 U.S.C. 1681e ) Bureaus must maintain reasonable accuracy procedures.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation when data is disputed.

623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report false or misleading information.

Company response to consumer: Closed with non-monetary relief