vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three bureaus are reporting inaccurate late payments for XXXX XXXX and XXXX, both of which have a {$0.00} past due balance and were either paid or settled. The continued reporting of these late payments is incorrect and misleading, especially considering the accounts reflect either full closure or settled balances. This misreporting violates 15 U.S. Code 1681e ( b ), which mandates accurate reporting, and 15 U.S. Code 1681i ( a ), requiring proper investigation upon dispute. XXXX XXXX are also in breach of 15 U.S. Code 1681n for willfully failing to remove or correct inaccuracies. These late payments must be immediately corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Subject : Misclassification of Returned Payment as Purchase and Denial of Fee Waiver Complaint Summary : Im filing this complaint regarding how Citibank handled a recent issue on my credit card account. On or around XX/XX/year>, a scheduled payment of {$650.00} failed due to an error on my part. I had unintentionally unlinked my Citi account from my XXXXXXXX XXXX account, resulting in an invalid payment method. 

Citi attempted to pull the payment three times and ultimately marked it as a returned payment. However, instead of simply flagging it as a failed transaction, Citi classified this failed payment as a purchase. That shifted the balance into a segment subject to a different APR than my existing balance transfer promotional offer. 

This is a misrepresentation of the transaction type. No purchase ever occurred, as this was a failed ACH payment attempt. Moreover, the funds were never actually pulled from my bank. Labeling it a returned payment that adds to my purchase balance and incurs interest is both misleading and financially punitive. 

I promptly corrected the issue by making a new payment that successfully posted. I requested a one-time courtesy waiver for the {$30.00} returned payment fee, but was told by multiple Citi representatives , including a supervisor, that the system denied the request and could not be overridden. This was despite my account being in otherwise good standing and the situation being an honest, corrected mistake.

Key Issues : - A returned payment was misclassified as a purchase, which affected promotional APR terms - Citis system is charging additional interest on a non-purchase, which appears to violate the intent of the original offer - The bank refused a reasonable one-time fee waiver despite a good payment history and prompt resolution - There was no fair or effective escalation path, and I was told there was nothing anyone could do I believe this practice is deceptive and deserves regulatory review.

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 2025-04-24 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
After reviewing my credit report. I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
These are unauthorized inquires on your Equifax credit report XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXX  BALANCED {$5200.00} XXXX XXXXXXXX BALANCED {$930.00} XXXX XXXX XXXXXXXX BALANCED {$1200.00} XXXX XXXXXXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$850.00} XXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX XXXXXXXX BALANCED {$780.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THIS INCORRECT INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2025-04-24 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: MI

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX SSN : XXXX XXXX : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect names off my personal record. Thank you for your assistance. 

Incorrect names : XXXX XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect employment info : XXXX XXXX PREFERRED SHIPPING 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After three attempts to correct the inaccurate information on my credit report Equifax just kept requesting my identification which I sent on all three requests. They never sent me a letter stating their conclusion of the investigation. The original dispute was the accuracy of the payment history of my XXXX XXXX XXXX XXXX account. This account was never late and was paid as agreed, and is now closed. It was showing late payment for XX/XX/2019, XX/XX/2019. 
I asked that they reinvestigate and provide full method of verification including data sources, technology, and the procedures used to validate the account and they failed to do so, which is a violation of federal law. I do believe that the CFPB sued Equifax for these exact practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-24 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:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-24 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed XXXXXXXX XXXX  {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX. XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a letter XX/XX/year> from XXXX XXXX XXXXXXXX denying my claim despite ALL charges {$5000.00} in the amount of being completely fraudulent. I incorrectly assumed these charges were made by my wife so a payment was made in error which is the reason why they are denying the claim. I am going to file a police report to strengthen my case. Please see contents of the letter from BOA below : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed statements were mailed to the address you provided for this claim and payments have been made on the account.

Whats next The temporary credit ( s ) applied to your account will be removed - youll see it on your monthly statement, along with any additional charges or fees you owe.

If you have a Custom Pay Plan, you can view plan details in Online Banking and in the Mobile Banking app by going to bofa.com/custompayplan.

If your account was past due at the time of your claim, and no payments were made, it will return to that same status. 
Please continue to make the required payments on your account. 
For updates on your claim If youd like copies of the documents we used to make this decision, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX eastern. Please have your claim number when you call. 
Thank you for your patience during our review.

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 2025-04-24 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: I.C. System, Inc.
State: GA

Complaint narrative:
Can't get alot of information about the contract that was sign and information about the company 's.

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 2025-04-24 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: OH

Complaint narrative:
XXXX  XXXX  secure credit card I have since XXXX I paid the secure money to open keep reporting incorrect information on my payment history I don't us the card and still they charging me an annual fee and they reported that I have an XXXX missed payment on XX/XX/XXXX I called them multiple times in the year XXXX and the fixed it and the same problem surfaced again and I called them in the year XXXX and they fixed it and it keep coming back and it just showed up again XXXX XXXXXXXX ago they have this out dated system full of problems keep reporting incorrect information

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was informed by XXXX XXXX that my Zelle access was restricted due to a decision made by Zelle/Early Warning Services under internal terms and conditions. I contacted both XXXX XXXX and Zelle customer service and was told neither could assist me or view the reason. I have not committed any fraud or violated terms knowingly. I am now being told the restriction is at the network level by Early Warning Services, but I have no access to dispute this or receive a formal explanation. Im requesting a review of my account, a written explanation, and the opportunity to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. 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 ) ( 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 non-monetary relief
Consumer complaint received 2025-04-24 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: TX

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.

15 U.S.C 1681 section 602 A. 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 ) ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6000.00}

Company response to consumer: Closed with explanation