vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Subject : Complaint Regarding Incomplete Refund of Annual Fee for AAdvantage Platinum Select Card Dear CFPB Representative, I hope this message finds you well. I am submitting a formal complaint against Citibank regarding their failure to issue a full refund of the annual fee after I downgraded my XXXX XXXX  XXXX credit card within the required 30-day period. 

On XX/XX/year>, a {$99.00} annual membership fee was posted to my account ( see Attachment 1 ). After contacting Citibank and requesting a downgrade of my card within the 30-day period, I received only a partial refund of {$74.00} on XX/XX/year> ( see Attachment 2 ), which does not reflect the full amount charged. 

I would like to provide the following evidence to support that the downgrade was requested and processed within the 30-day timeframe : Attachment XXXX : An email confirmation that the card product had been changed to the XXXX XXXX XXXX as of XX/XX/year>. 

Attachment XXXX : A mailed confirmation from Citibank dated XX/XX/year>, verifying the account change from the XXXX XXXXXXXX XXXX XXXX to the XXXX XXXX XXXX. 

Both of these dates fall within 30 days of the original annual fee posting. 

I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure that Citibank complies with fair consumer practices. Please let me know if any further information or documentation is needed. 

Thank you for your time and assistance. I look forward to a timely and fair resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting late payments on my account identified as XXXX that are inaccurate. In accordance with FCRA this is a violation of my rights as follows : 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681S2A7 states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies. 

Yet, XXXX XXXX XXXX continues to unlawfully report these inaccurate late payments to the credit bureaus. This is extremely concerning as a consumer as these violations have severely impacted my credit rating and overall financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 am sending to formally dispute several items on my credit report that I believe are inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). In accordance with FCRA Sections 602 ( A ), 607 ( b ), and 611, every consumer has the right to fair, accurate, and fully verifiable credit information. Upon careful review of my credit report, I have identified multiple entries that appear to violate these provisions by failing to meet the standards of accuracy and verification required by federal law. Therefore, I am requesting that your agency conduct a complete reinvestigation of the disputed accounts and, pursuant to FCRA Section 611 ( a ) ( 5 ), permanently delete any and all information that can not be fully verified as accurate and complete. Please provide written confirmation once the deletion has been completed, as required within 30 days of receipt of this dispute under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 am writing to dispute multiple unauthorized hard inquiries appearing on my credit file and to demand their immediate deletion. These inquiries were not authorized by me and are an inaccurate, adverse item on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of disputed information and to delete any information that can not be verified as accurate. See 15 U.S.C. 1681i. I hereby dispute the above-listed inquiries as fraudulent/unauthorized and request that you : Immediately reinvestigate these entries. 

Provide me written confirmation of your investigation results. 

Permanently delete from my credit file any inquiry you can not verify as authorized by me. 

Forward a notice of deletion to any party who has received my consumer report containing these inquiries ( including each furnisher/creditor ). 

Place a fraud alert on my file and, if applicable, block the reporting of any items resulting from identity theft once I provide an Identity Theft Report. ( I will provide an Identity Theft Report and any other documentation upon request. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am submitting to formally dispute inaccurate and unauthorized information currently appearing on my credit report. Upon reviewing my credit file, I noticed that an address with which I have no affiliation has been listed under my personal information, along with XXXX hard inquiries that I did not authorize or initiate. This incorrect information is concerning, as it may indicate potential misreporting, identity confusion, or possible identity theft. It is critically important that the information in my credit file accurately reflects my actual residential history and legitimate credit activity, and I am requesting that these errors be thoroughly investigated and removed if they can not be verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> 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 explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed comenitybank/victoriassecret listed twice as XXXX different accounts multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
According to XXXX XXXX XXXX I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed comenitybank/victoriassecret listed twice as XXXX different accounts multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
These addresses on my credit profile are not mine and I ask that they be removed immediately XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My full name is XXXX XXXX XXXX but its showing these XXXX names on my credit profile which are incorrect and I ask for them to be removed immediately XXXX XXXX XXXX XXXX I have not worked at these XXXX places but they are on my credit profile and I ask for them to be removed immediately XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
I am disputing multiple late payment entries reported on my credit file, including accounts from XXXXXXXX XXXX XXXXXXXX ( Acct : XXXX, Balance : {$300000.00} ) and several accounts from XXXX XXXX ( Acct : XXXX ) with various balances. I believe these late notations are inaccurate and do not reflect my true payment history. These accounts XXXX have been affected by reporting or system delays that caused them to appear delinquent despite payments being made or properly deferred. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Furthermore, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) provides me the right to dispute any inaccurate or incomplete information and to request a reinvestigation. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that furnishers of information must not report data they know or reasonably should know to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
I am disputing multiple late payment entries reported on my credit file, including accounts from XXXXXXXX XXXX XXXXXXXX ( Acct : XXXX, Balance : {$300000.00} ) and several accounts from XXXX XXXX ( Acct : XXXX ) with various balances. I believe these late notations are inaccurate and do not reflect my true payment history. These accounts XXXX have been affected by reporting or system delays that caused them to appear delinquent despite payments being made or properly deferred. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Furthermore, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) provides me the right to dispute any inaccurate or incomplete information and to request a reinvestigation. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that furnishers of information must not report data they know or reasonably should know to be 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 2025-10-20 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
I am disputing multiple late payment entries reported on my credit file, including accounts from XXXXXXXX XXXX XXXXXXXX ( Acct : XXXX, Balance : {$300000.00} ) and several accounts from XXXX XXXX ( Acct : XXXX ) with various balances. I believe these late notations are inaccurate and do not reflect my true payment history. These accounts XXXX have been affected by reporting or system delays that caused them to appear delinquent despite payments being made or properly deferred. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Furthermore, FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) provides me the right to dispute any inaccurate or incomplete information and to request a reinvestigation. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that furnishers of information must not report data they know or reasonably should know to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Second Request for Removal of Unverifiable Account Dear Credit Reporting Agency, I am writing to request the removal of an account from my credit report as reported by Equifax. 
This request is based on the recent deletion of an account by XXXX XXXXne of the four major credit reporting agencies. I recently disputed a collection for {$210.00} from XXXX XXXX XXXX, listed on my XXXX credit report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX  having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
XXXX XXXXXXXX : account no. XXXX XXXX XXXX : account no. XXXX I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated.

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