vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 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: FL

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

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

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

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

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

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I RECENTLY LOOK AT MY CREDIT REPORT AND SEEN THAT I HAD XXXX LATE PAYMENTS WITH XXXX XXXX XXXXXXXX SUBSENQUENTLY MY SCORE WAS DAMAGE HOWEVER I NEVER HAD AN LATE PAYMENT LET ALONE XXXX MISSED PAYMENTS I ALSO HVE XXXX FRAUDLENT INQUIRIES THAT I DONT RECOGNIZE XXXX DEMAND THESE PAYMENTS BE UPDATED TO PAID AND INQUIRIES REMOVED PURSUANT TO MY RIGHTS WITHIN THE FCRA LAWS

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 2025-05-13 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 a documented victim of identity theft and have provided Equifax with an FTC Identity Theft Report ( # XXXX ), a notarized Affidavit of Dispute, photo ID, proof of address, and a current copy of my credit report. Despite this, Equifax has failed to remove multiple fraudulent accounts as required by FCRA 605B and continues to report false information. 

In a previous CFPB complaint ( # XXXX ), Equifax falsely claimed many disputed items were not currently reporting. However, my current Equifax report dated XX/XX/year> shows that several fraudulent accounts are still being reported, including : XXXX XXXX XXXX XXXX  ( XXXX  days late ) XXXX XXXX XXXX ( charged-off ) XXXX ( late payments XXXX charged-off ) XXXX XXXX ( previously deleted, now reinserted ) XXXX XXXX Services ( closed XXXX account still reporting XXXX  info ) XXXX XXXX XXXX XXXX authorized user accounts damaging my file ) I also believe Equifax has split my file. My report contains XXXX different score panels and personal info tied to XXXX different dates of birth and name versions ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). This indicates a fragmented credit file that is producing inconsistent and inaccurate results during dispute investigations. 

I am requesting that Equifax : XXXX. Merge all split files associated with my name, DOB, and SSN.

XXXX. Permanently delete all previously disputed fraudulent accounts and inquiries. 
XXXX. Correct all personal information and provide a clean, updated report. 

These failures violate FCRA 1681c-2, 1681i, 1681e ( b ), 1681n, and 1681o, and I am prepared to take further legal action if this is not immediately resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have over {$9000.00} in collections for a rental property in XXXX, which I have never been to. I have owned my home in XXXX since XX/XX/year> and have lived here since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have made XXXX payments to Fay Servicing of {$1100.00}. XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The payment I made on XX/XX/XXXX was returned to my bank, and the customer service representative for Fay Servicing said I did not enter the correct loan number, or the account had not been entered into the system correctly. On XX/XX/XXXX, I sent another payment electronically through my bank, and today, XX/XX/XXXX, I noticed the payment hadn't been recorded by Fay Servicing. I called customer service and was finally told that Fay Servicing does not accept electronic payments made through another bank only checks. No where on their monthly statement does it indicate that they do not accept electronic payments, I can have Fay Servicing collect the money from my account, but I can not send them a payment electronically only a check. Again, no where does it state that. I have no access to my bank account because it is a local credit union in XXXX, and I am in Ohio and I have no checks. My choices are, Fay takes the money out of my account or I send them a check. After speaking with customer service XXXX times, I do not feel confident allowing them access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing this complaint against Cash App ( Square , Inc. ) regarding two unauthorized transactions made through my account. 

On XX/XX/year>, and again on XX/XX/year>, my Cash App account was used without my permission to make purchases on XXXX. I did not initiate or authorize these transactions, and I believe my personal and financial information was misused by someone else. 

I contacted Cash Apps support team to report the fraudulent activity, but they have not resolved the issue. I did not receive a refund, and I am concerned that my personal data is not being properly protected. 

These transactions were not authorized by me, and I have not shared my login or security information with anyone. I have taken every reasonable step to protect my account, including enabling security features. 

I am requesting : A full refund of the unauthorized DoorDash charges from XX/XX/XXXX and XX/XX/year> A full investigation into the misuse of my information Confirmation that my personal and account data is secure going forward Thank you for your assistance in resolving this matter. 




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Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
b'I am a victim of XXXX The information listed below, which appears on my credit report,\n is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Score is continuing to decline and I am not doing anything to make such actions happen, not have I purchased anything or opened any accounts, my score went from XXXX down to low XXXX, I was told I was not me over the phone with a representative and for me to send in a copy of drivers license and social security card, these reps are in the XXXX and XXXX and I have already been a victim of identity theft and false information has been on my report since the early XXXX this is an ongoing problem

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 2025-05-13 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$690.00} XX/XX/year>XXXX XXXX XXXX XXXX - XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2025-05-13 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: MN

Complaint narrative:
This debt was included in my XXXX XXXX in XXXX  and still showing up on my credit report as updated the debt was over XXXX ago fraudulent incorrect information 15 u.s code 1692g 15 u.s code 1692c 15 u.s code 1681 e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I booked a hotel through XXXX for my XXXX honeymoon using my CitiBank Visa. Because of a glitch on XXXX site, the reservation was made for 7 nights instead of the 3 nights we intended. 

I caught the error immediately and contacted XXXX within XXXX hours. They refused to help and told me to reach out to the hotel directly. When I called the hotel, they hung up on us three different times, acted like they couldnt hear us, and pretended not to speak XXXX and hung up even though it was obvious they understood. No one took responsibility. 

This reservation was made nearly a month before our actual trip, so XXXX had plenty of time to correct the mistake or rebook the room, but they simply wouldnt. 

After getting nowhere with XXXX or the hotel, I turned to CitiBank, expecting some level of protection. I explained that we never even checked into the hotel and that we were trying to fix the mistake right away. Despite this, Citi denied my dispute not once, but 3 times. I escalated it to Citis Executive Response Unit, and after all of that, they still refused to help. They didnt issue a refund, a partial credit, or even show any effort to resolve this. They completely dismissed it just because XXXX wouldnt refund them when in reality it was XXXX fault. 

We paid almost {$2000.00} for a hotel we never stayed at, during what was supposed to be one of the most important moments of our life.our honeymoon. I feel like we did everything right, but Citi failed us completely when we needed support the most.

Im requesting a full refund or, at the very least, a credit for the unused hotel stay.

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 2025-05-13 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:
I disputed a {$100.00} collection account from XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX ) with Experian on XX/XX/year>. On XX/XX/year>, Experian closed the dispute and stated that the account had been verified and would remain on my credit report unchanged. 

However, when I checked my credit report afterward, the account was no longer visible. Experian never provided any confirmation of deletion, update, or resolution. Their statement that the account remains is directly contradicted by the current report, which now shows no trace of the collection account. 

This inconsistency creates confusion, lacks transparency, and violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and written confirmation of the accounts actual status whether it was deleted, suppressed, or corrected. If the furnisher requested deletion or failed to verify properly, that should also be disclosed.

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