vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
On XX/XX/year>, I made a payment to Citbank for my CitiXXXX credit card. 
The payment was {$300.00}. The balance on my card was then {$920.00}. 
Two additional ( seemingly arbitrary ) payments then posted to my checking account. 
One transaction was in the amount of {$150.00}, the next was in the amount of {$760.00}. 
I did not authorize these transactions. I received a transaction verification for the {$300.00} payment, but not for the unauthorized transactions. The total of these two transactions was {$920.00}, so now I have a credit on my credit card= my balance is- {$300.00} There is no offer of resolution from Citi for this issue. Their solution is to reverse the transactions within 7-10 business days. 
The entirety of their resolution is unacceptable. They are not operating within the parameters of the financial agreement.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian refuses to remove the current collections account, XXXX XXXX XXXX that belongs to another person, XXXX XXXX. 

My name is XXXX XXXX XXXX, not XXXX XXXX. 

I've filed disputes in the past with Experian, XXXX, and XXXX to have these invalid names, addresses, and collections accounts removed from my credit file. However, every few months a new collection agency is allowed to add a new collections account to my credit file for the same fraudulent debt. 

Experian, XXXX, and XXXX have previously removed this false identity information and collections accounts but continue to allow the same or similar information to reappear on my credit file.

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 2025-03-05 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: MN

Complaint narrative:
XXXX Fraud was reported on the card in 2020. They closed the account. Would not let me pay anything towards the account. It has been in charge off status since 2020. They say the balance is {$7300.00} They say they will not except payment or remove from my credit report. I am getting no resolution from this company. I have made several attempts to get it removed from my credit, but they refuse to help me in any way. I believe this is against my rights as a consumer and it should be removed from all credit reporting agencies.

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 2025-03-05 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 HAVE A LIST OF ADVERSE ITEMS THATS NEEDS TO BE REMOVED

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 2025-03-05 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: TX

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXXXXXX XXXX - Account # : XXXX Company Name : XXXX XXXX Account # : XXXX Company Name : XXXX XXXX  - Account # : XXXX Company Name : XXXXXXXX XXXX XXXXXXXX - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: Global Lending Services LLC
State: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} INQUIRIES : XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was gon na cancel card because fees XXXX a year then I spoke to a representative and they said it was only XXXX so I kept it now I see XXXX fee on my bill plus rediculos charges and fees its only XXXX limit been paying a year now.concorda credit is the name of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-03-05 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:
XXXX XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXInquiry XXXXInquiry 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 - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
Hello, I was looking at my credit report recently because I seen some errors related to my credit history. The credit reporting agencies have the responsibility to accurately report this information to me and I have never been late on any payments on my XXXX XXXX  ending in XXXX. I ask that you swiftly remove any late payments that can not be verified. Not only that, my report shows from one bureau Equifax states that I have XXXX revolving credit accounts totaling in {$5000.00} and on Trans Union it says {$2000.00} which is information that directly conflicts each other as I only have XXXX revolving account which is my XXXX XXXX. It also says I have a 14 year credit history and I'm only XXXX XXXX XXXX so I don't know why my credit history is being reflected this way? Doesn't really make sense and its hurting my credit massively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an account listed under the name XXXX XXXX on my credit report. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX, and therefore, this account is being reported in error. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting verification of this account, including a signed contract or agreement that proves my obligation to XXXX XXXX. If no such documentation can be provided, the account must be deleted immediately under CRA 611 ( a ), which mandates that credit bureaus remove unverifiable or inaccurate information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting debt validation from XXXX XXXX. If they can not prove I owe them a debt, they are in violation of the law, and this account should be removed from my credit report. I have enclosed a copy of my credit report which does not list XXXX XXXX as a party to my debt. This further proves that XXXX XXXX has no legitimate claim to my financial obligation. Please delete this account from my credit report as it has been well over 60 days and is required by law. If this error is not corrected, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

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 2025-03-05 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: NC

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-03-05 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: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/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 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX Date of Inquiry : 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I received a letter from you saying " LexisNexis initiated a dispute of bankruptcy record case number XXXX on the consumers behalf. During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' Please provide necessary proof that it was mine. Failure to do so, you need to remove it from my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Loan Depot reached out to me stating that I was behind on a payment for XXXX payment, I stated this could not be because I should be one month ahead on my loan. The employee looking into it asked when was it that I made payments and I ran it down to her even explaining that I was called in XXXX XXXX time frame about a missing payment that was mailed to them in XXXX different checks XXXX for {$580.00} & {$1700.00}. 

{$2200.00} is the Loan Amount for this loan. Loan Depot received a partial payment in XX/XX/2024 that they stated was not enough to make the payment, they then stated that the {$1700.00} was being reversed but it never came back to me. They applied to principle XX/XX/XXXX of {$580.00} and then applied to the payment XX/XX/XXXX applied to principle. As it stands Loan Depot has {$2200.00} wrongly applied to principle that was never requested to be applied. They are stating they just have {$580.00} wrongfully applied but I never requested that any funds ever go to principle on this loan and request help with a full audit of the account. 

Loan depot sent me a Letter saying they would return the money and until now I have not received any funds from them. I would like the funds that they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentally under 15 U.S.C 1681. 

a " Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602.A.s 15 U.S.C 1681 section 604.A section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation