vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: KS

Complaint narrative:
Issue : Improper handling of a credit card dispute, incorrect coding, failure to process documents, and unlawful billing of a disputed amount. 

I am filing this complaint because Citi mishandled my XXXX dispute involving XXXX XXXX. Their errors prevented my dispute from being investigated properly and have caused financial harm, including a large balance being posted to my account that should have been under dispute. 

Here is what happened : XXXX. Citi told me repeatedly that my dispute ( Dispute ID : XXXX ) was open and under review. I can not update my XXXX Case XXXX so Ive had XXXX reopen a case with what XXXX told XXXX the new dispute number of XXXX. 
XXXX. I continued to submit supporting documents through the Citi dispute messaging portal. 
XXXX. Citi later informed me that the dispute was actually coded as closed, even though their system still sent me automated messages indicating it was active. 
XXXX. Because Citi mis-coded the case, none of my evidence or messages were routed to the dispute team, and therefore Citi did not review the materials I provided. 
XXXX. Citi informed me that a conditional credit would be reinstated on XX/XX/XXXX, but it never was. 
XXXX. Instead, the full disputed balance was posted to my account and caused XXXX XXXX harm to my authorized user. 
XXXX. I never received required dispute disclosures, and Citi did not perform a proper investigation because my documents were never forwarded internally due to their own system error. 

This violates XXXX XXXX because : The bank failed to properly investigate a dispute. 
The bank continued billing for an amount still in dispute. 
The bank did not accept or review supporting documentation due to internal miscoding. 
The bank misled me through system messages stating the case was open when it was not. 
The conditional credit was never reinstated as promised. 

What I am requesting : XXXX. Reopen the dispute due to XXXX internal processing error. 
XXXX. Ensure that all documents I submitted are reviewed by the dispute team. 
XXXX. Reinstate the conditional credit immediately. 
XXXX. Remove any negative credit impact caused by Citis mistake. 
XXXX. Provide written confirmation that I will not be held responsible for the disputed amount until a compliant investigation is completed. 

I am a long-time Citi customer in good standing for over 10 years and have never had an issue like this. The mishandling of my dispute has caused extreme stress and financial harm. 

Thank you for reviewing 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 monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-02 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: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-03 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I discovered that the same XXXX  XXXX credit card debt is being reported multiple times by LVNV Funding / Resurgent Capital Services under different account numbers with different balances. These appear to be duplicate accounts for the same original debt. 

I do not owe multiple debts only one possible original account existed yet several collection tradelines show simultaneously on my credit report.

This has caused inaccurate credit reporting, damage to my credit score, and unlawful collection attempts for debts that are not valid. I am disputing the duplicate reporting and requesting investigation and removal of all inaccurate and duplicate collection entries related to this account. 

I have not previously resolved this issue directly with the collector and am now seeking corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank : JPMorgan Chase Issue : Direct deposit sent to incorrect account number bank failed to follow ACH reversal procedures after immediate notification Description of the problem : On XX/XX/year>, my paycheck for {$950.00} was deposited into the wrong Chase account because I accidentally entered an incorrect account number with my employer ( XXXX ). As soon as I noticed the funds did not arrive, I contacted Chase and informed them of the error. I asked them to flag the deposit and take action to prevent the funds from being withdrawn.

The Chase representative told me that the reversal should happen automatically and instructed me to wait. Because of this advice, no immediate freeze or reversal attempt was initiated. This delay resulted in the receiving account using the funds. 

When my employer submitted a recall request, Chase responded that there were insufficient funds in the receiving account. Chase confirmed the account was active. I then escalated the matter and was told by the Chase Executive Office that there is nothing they can do and that I am simply out {$950.00}. My concern is that Chase failed to f
ollow required NACHA rules for an ACH wrong-account reversal, specifically

: Chase did not freeze or restrict the unspent funds when I notified them immediately. Chase gave incorrect guidance ( it will happen automatically ) which delayed the reversal process. Chase has not provided documentation showing when they initiated the reversal, when they notified the receiving account holder, or whether they
followed NACHA return procedures.

The final refusal from th

e Executive Office did not address any of these procedural failures. I am requesting that the CFPB require Chase to : 1. Provide a complete timeline of when they initiated internal actions after I reported the error. 2. Provide documentatio
n of compliance with NACHA reversal rules.

3. Investigate whether the representatives incorrect instructions caused the loss of funds.

4. Reimburse the {$950.00} if Chase failed to act promptly or correctly after being notified.

I reported the error immediately, followed all instructions given by Chase, and relied on incorrect guidance from their representative. I am seeking resolution because Chase did not take appropriate action to recover the funds after I notified them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
I have filed previous complaints which were not handled appropriately. Previous complaints the company claimed it did not belong to them even when I provided plenty of info for them to forward to the right department or division of their company. In addition cfpb I believed failed in their fact finding and protecting me as a consumer prior to closing complaint. 
There are a lot of moving parts and this issue has gone on for over a decade and passed through several entities. This issue, however, is pretty cut and dry and blatant fraud and negligence in the part of HSBC. Hsbc filed and unlawful Detainer against me. Did not serve me with a summons or complaint nor notify me in any way after they received a judgement against me. They did however allow and accept service from the fraudster that had been occupying the property. He was not a named defendant in the unlawful detainer, nor did he have any legal ownership in the property. He was in the property through fraud to which HSBC had been, or should have been aware of. In addition HSBC negotiated with said fraudster and I am only left to assume they offered money for keys type situation. This needs to be addressed immediately and I need to be made whole. A demand letter was sent to HSBC today, but all previous attempts at resolving any issues and getting any kind of relief has been ignored or simply passed off as normal procedures and I just need to let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 filing a complaint against TransUnion for continued inaccurate furnishing, failure to investigate, and deliberate stalling tactics regarding multiple accounts that show {$0.00} balances but are still coded as Charge-Off/Past Due, which is factually impossible and violates the Fair Credit Reporting Act. 

I previously submitted a complaint to the CFPB on XX/XX/19, which TransUnion responded to by : Ignoring the substance of the complaint Failing to investigate the accounts Failing to contact the furnisher Misclassifying the dispute as address verification Requesting irrelevant identity documents Marking the accounts as Active Dispute ( 3 ) Making no corrections to the inaccurate reporting The response I received ( attached as a PDF ) demonstrates non-compliance with FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( B ), as TransUnion is required to : 1. Conduct a reasonable reinvestigation 2. Review all evidence provided 3. Correct or delete inaccurate information 4. Not prolong or reset the dispute process with irrelevant requests This is not an identity-theft dispute under 605B.

It is an accuracy-of-furnishing dispute, and no identity documents are required under the 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 non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information - Account/Reference No. [ Your Account/Reference Number from the Report ] Dear Equifax Consumer Relations Department , I am writing to formally dispute inaccurate and incomplete information contained in my Equifax credit file. A copy of my credit report is attached for your reference. 

For proper identification, please find my personal details below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last 4 Digits of SSN : XXXX The following items are inaccurate, incomplete, or unverifiable, and I request a prompt reinvestigation and permanent deletion of these entries from my credit report : Inaccurate Personal Information : My report lists employers and potentially other old or incomplete addresses. I request that you verify the accuracy of all listed personal data, including previous addresses and employer history, and remove any information that can not be 100 % verified and is not my current, primary address and employer.

Derogatory Accounts ( Collections & Late Payments ) : My report indicates 3 collections accounts and 9 accounts with a history of being late. Due to inconsistencies found across my credit files regarding the number of collections and late marks, the accuracy and completeness of these records are highly questionable. I dispute the accuracy and completeness of all collections accounts, including the {$2700.00} debt listed, and all listed late payment history ( delinquencies ). Specifically, I require verification of the complete payment history for all accounts, and I dispute any payment dates listed as " ND, '' " N/A, '' or represented by dashes, as these indicate incomplete or unverifiable data. Please verify the complete payment history and account details with the original creditor or collector. If the original source documents can not be provided and verified, these derogatory marks must be immediately removed.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you conduct a reasonable reinvestigation to determine the accuracy of disputed information, you are required to conduct a reasonable reinvestigation of these disputed items within 30 days. Should you be unable to verify the complete and accurate details of these entries, they must be removed from my credit report. 

Please send me the results of your reinvestigation, along with all evidence used to verify the accuracy of the disputed items. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
the data has been manipulated from the earliest reporting period to the present.

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 2025-12-02 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: MN

Complaint narrative:
In XX/XX/year>, I disputed a XXXX XXXX XXXX ( XXXX ) collection account with Experian and TransUnion because XXXX never provided the legally required validation under FDCPA 809 ( b ). XXXX only sent me a transfer notice from XXXX Bank, not a signed agreement, account history, itemized charges, or proof of ownership of the alleged debt. 

Despite this, Experian and TransUnion reported the account as verified without providing me any documentation or explanation of how the account was verified. I requested validation details and documentation used in their investigation, but they did not provide any. 

Since my original dispute, XXXX  has fully deleted the XXXX account from my credit report, confirming that the information could not be verified. This is new and relevant information. I am submitting a new complaint because Experian and TransUnion continue to report the account even though : XXXX failed to validate the debt. 

No proof of ownership or contract has been produced, The account can not be verified by another credit reporting agency ( XXXX  ), The previous investigation did not correct inaccurate information. 

Under the Fair Credit Reporting Act, Experian and TransUnion must remove information that can not be verified. I am asking for a reinvestigation based on new evidence ( XXXX  deletion and PRAs inadequate validation ), and for the unverified collection account to be deleted from my Experian and TransUnion credit 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 2025-12-02 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Original debt collection report needed All payments with dates and amounts All information required that was given at time of loan Original loan agreement with signatures and dates

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