vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Have had an accelerated savings with Citi for a few years. I had closed a CD account with another bank when it had matured because the rate was low. Citi had a CD with a higher rate so when I received the check in XXXX, I mobile deposited it into my accelerated savings account so I can open the CD account. But then I received an email on XXXX about account being closed due to suspicious activity. I called to Citibank to confirm the email. They said yes it closing due to suspicious activities ( my mobile deposited check ). They said I should receive my check of the closed account in a couple of weeks. In XXXX I received a check, but it was the balance before the mobile check deposit. I called and asked if the check was ever deposited. If not, I still had the physical check and I can deposit it to my other bank account in person. They said it's deposited, but the funds are on hold, the check just needed to be verified. We ended up getting it verified through conference call, they called the bank that issued the check and verified that it was made out to me and verified the amount. Citibank said I was all set and they'll release the funds and the check will be sent to me. It's been over a month, still nothing. I called 3 times and they keep saying the same thing. " There's no update, they'll forward the issue to whatever processing dept. Call back in 24-48 hours, there should be an update. '' Nothing .. like I said it's been over a month since everything has been verified.

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 2025-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why they havent been corrected. Even after refreshing my browser, nothing has changed. Please review the documents I already sent immediately so this can finally be resolved and I no longer have to stress over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

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 explanation
Consumer complaint received 2025-09-24 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
CBHV Collections claims its trying to collect on XXXX XXXX XXXX behalf Other features, terms, or problems ( debt collection practices ) Summary of Complaint : CBHV Collections continues to contact me regarding charges from XXXX XXXX XXXX, despite an open dispute and an active complaint already filed with the FCC. These contacts include unsolicited text messages containing suspicious links, which I am not willing to engage with. And calls in the past without any written letters in the mail within the first XXXX day of attempting contact. 

I have no direct dealings with CBHV and have already sent letters to both the hospital and my credit card companies regarding services that were not properly rendered or provided. CBHV is attempting to collect a fraudulent, inflated bill without proper verification or documentation, which is harassing and improper. 

This account should be returned to the original merchant ( XXXX XXXX XXXX ) for resolution, as CBHV has no authority to demand payment or escalate the matter while the dispute is active. Failure to properly handle the dispute will also result in the hospital and the attending doctor being notified of improper medical care and billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Lloyd & McDaniel , PLC is attempting to collect on behalf of XXXX XXXX while presenting themselves as both a law firm and a licensed debt collector. Public records in Florida confirm they are not licensed as a consumer collection agency, yet they continue to use attorney letterhead to pressure me, which constitutes false representation and impersonation of legal authority under 15 U.S.C. 1692e. Their only so-called validation consists of account statements, which do not meet FDCPA requirements. This conduct is misleading, harmful, and unlawful. 
The only so-called validation provided by XXXX & XXXX XXXX XXXX copies of monthly account statements from XXXX XXXX. This is identical to the failed strategy used by XXXX XXXX Solutions, which ultimately conceded and returned the file to XXXX XXXX. Such documents do not constitute proper validation under 15 U.S.C. 1692g ( b ). They fail to provide any signed contract, chain of title, or proof of legal assignment. This conduct demonstrates a pattern of evasive and deceptive collection practices that must be stopped. 
Furthermore, public records reveal that Lloyd & McDaniel , PLC is not licensed as a consumer collection agency in Florida, as required by XXXX XXXX. XXXX. Their filing with the Florida Division of Corporations ( XXXX ) was marked as Rejected, and subsequent entries show inconsistent entity names ( XXXX vs. XXXX ), further undermining their legal standing to operate in this state. Attempting to collect debts without proper state licensure constitutes unlawful collection activity and an unfair and deceptive practice under the Florida Consumer Collection Practices Act ( XXXX, XXXX XXXX. XXXX ) and the Florida Deceptive and Unfair Trade Practices Act ( XXXX, XXXX XXXX. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Figure Technologies, Inc
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
- Account XXXX ( masked ) : XXXX - XXXX Reported : Personal loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year>, my scheduled auto-payment to XXXX XXXX XXXX was marked insufficient funds. On XX/XX/XXXX, I manually paid {$110.00} and {$48.00} through their mobile app and received confirmation emails showing both were completed. On XX/XX/XXXX, the {$48.00} was reversed and marked insufficient funds. On XX/XX/XXXX, I was told to pay {$63.00} to replace it. I paid and received confirmation, but on XX/XX/XXXX, that {$63.00} was also reversed as insufficient funds. 

My bank ( PNC ) has confirmed over the phone that no ACH withdrawal attempts from XXXX XXXX were ever received for the {$48.00} or {$63.00} payments, and no insufficient fund notices exist. The only successful debit was {$110.00} on XX/XX/XXXX. I requested a merchant inquiry letter, and PNC is preparing written proof showing no declined XXXX attempts on the disputed dates. 

I asked XXXX XXXX for XXXX trace numbers or documentation for the supposed returned payments. Multiple representatives, including an escalation clerk, told me that because the payments were made through the mobile app, they can not confirm which account was charged and can not provide ACH trace numbers. At the same time, they told me my bank declined the payments. This is contradictory : if a payment was truly returned insufficient funds, there must be a return code from the bank. If no return codes exist, the claim is unsupported. 

I have been charged XXXX {$15.00} return fees and threatened with cancellation unless I paid over {$230.00} by XX/XX/XXXX. I believe these issues are due to XXXX Autos payment system or app errors, not my bank. 

I am requesting XXXX assistance to require XXXX XXXX and/or their payment processor to : ( 1 ) provide ACH trace numbers or return codes for the alleged declined payments, ( 2 ) confirm the account and routing numbers used, and ( 3 ) remove fees and correct my billing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

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 2025-09-24 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have the right to dispute inaccurate and unverifiable information information that's on my credit report. I have disputed this matter multiple times with credit bureaus and its coming back as update and verified without proper investigation. the company failed to send me any of the information I requested even with my other complaints they never sent verification or debt the original contract bearing my signature correct spelling of name address and explanation. 
REMOVE ALL FRADULENT ACCONTS IMMEDIATELY ON MY CREDIT REPORT. 
according to law 15 U.S.C 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am distressed to find that numerous inaccurate accounts remain on my credit reports and have not been removed. I desperately request that the attached documents be reviewed in detail so I can finally be free from this constant stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CL Holdings LLC
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone XXXX have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Under15 U.S.C. 1681, Section 602, Congress affirms that consumers have the right to fairness, accuracy, and privacy in credit reporting. Furthermore,15 U.S.C . 1681b ( Section 604 ) specifies that a consumer reporting agency may not furnish a consumer report without permissible purpose or the consumers written authorization. In addition, pursuant to15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late, provided the payment is received in accordance with the statutes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a credit inquiry from XXXX which online indicates is CitiBank XXXX so i guess a gas card? Anyway, i call the number on the credit report - XXXX - and it just goes to a dead end voicemail and doesn't say how to dispute the inquiry that is ID Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IN

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX. V GRAVENS ( mo ) XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) GLBLNDSVCS BALANCE {$20000.00}, XXXX XXXX BALANCE {$740.00}, XXXX XXXX BALANCE {$1100.00}, XXXX XXXX BALANCE {$0.00}, XXXX  XXXX BALANCE {$0.00}XXXX XXXX XXXX XXXX XXXX {$470.00}, ONLINE INFORMATION SERVICES BALANCE {$130.00}, XXXX XXXX XXXX XXXX BALANCE {$610.00}

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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I feel like there's retaliation and they're documentation and investigating seems like slacking on their part there was definitely a leakage on the internet I believe and that be the case I freaking even went through the course on chime itself for fraud they've starting to close my account for profanity even though I was not being vulgar I feel like they're racism to the United States of America Americans

Company response to consumer: Closed with explanation