vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: KY

Complaint narrative:
To Whom It May Concern : I am formally exercising my rights under the * Fair Credit Reporting Act ( FCRA ) * to dispute the illegal and inaccurate reinsertion of the account reported by * XXXX XXXXXXXX - # XXXX, which was previously * * removed after a valid dispute * through the CFPB and FTC. This account has been * * reinserted without written notice within five ( 5 ) business days of reinsertion *, which is a * * direct violation of FCRA 611 ( a ) ( 5 ) ( B ) *. This action is unlawful and deceptive under federal law. In addition, the information reported about this account contains * serious inaccuracies *, violating * FCRA 607 ( b ) * and compromising the integrity of my credit report. Below is a summary of the discrepancies : 1. * Inconsistent balances and credit limits * across XXXX Experian, and XXXX 2. * Different last payment and last activity dates *, affecting account aging. 3. The account is reported as * '' Collection/Chargeoff '' but still shows an active balance *, which is misleading and contradictory. - Legal Dispute for Illegal Reinsertion 4. The payment history shows both * '' OK '' and " CO '' statuses during the same time period *, which is legally inaccurate. 5. Comments are inconsistent among bureaus : one reports the dispute as resolved, while another still lists it as active - a violation of FCRA 's uniformity requirement. 6. The account * does not reflect a proper closing date *, despite being charged off. These violations break the following legal provisions : - * FCRA 611 ( a ) ( 5 ) ( B ) : * Reinsertion without written notice. - * FCRA 607 ( b ) : * Reporting inaccurate or inconsistent information. - * FCRA 602 ( A ) : * Consumer right to fair, equitable, and accurate credit reporting. - * FCRA 623 : * Furnishers must report complete and accurate information. Based on the aforementioned laws, I am demanding the following : - * Immediate and permanent removal * of the reinserted account. - Written confirmation of the account 's deletion. - Cease all future reporting of this account. - A copy of the reinvestigation and verification used for reinsertion ( per FCRA 611 ). I reserve the right to file a legal claim for damages under the * FCRA and FDCPA * if this matter is not addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
In XX/XX/year>, a fraudulent apartment lease was opened with XXXXXXXX XXXX XXXX XXXX using my personal information. I never applied for or signed any lease with this company. The debt, totaling {$1300.00}, was later sold to a debt collector and began appearing on my credit report around XX/XX/year>. I submitted an official identity theft report to the FTC ( Report No. XXXX ) and am requesting that this fraudulent account be removed under the Fair Credit Reporting Act 1681c-2. I did not authorize this lease or debt, and I am the victim of identity theft. I have attached my FTC report and relevant documentation. Please investigate this matter and ensure the account is removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My bank is XXXX where I have a checking account. I have XXXX. I have XXXX XXXX XXXXnsurance through my job. Once I got sick, I submitted a claim and was given a check for {$20000.00} to cover my expenses during this time. XXXX 's not cheap. I deposited my check last week. A few days later, I started getting messages that my card had been declined. On Saturday I went to log on to 5/3 website to see what was going in and just got a message saying that I needed to contact customer service. Customer service had closed and was closed on Sunday. I'm finishing up what food I have left by thus point. 

That brings us to today I could tasted customer service and eqas told that my account had been locked for suspicious activity because I deposited a large check from the same place that I have been depositing other checks at for weeks now as I also have short term XXXX insurance that sends me a check every week for {$1500.00}. I told them to ignore the check and let me have access to the rest of my money ( approximately {$5000.00} ) so I could pay my bills and buy food. They told me that it wasn't possible. I told them that ibwanted to close my account and was told that I would need to go to a local XXXX check to do so. 

I got dressed and went to the bank. The woman I spoke with could do nothing but call the same call center that I did. They told her that I couldn't have access to any of my money for XXXX to XXXX business days. They also told her that I couldn't close my account until that time. 

I don't have enough food to last that long. I can't buy more. I can't fill my gas tank or pay anyone to take me to my doctor appointments or XXXX treatments. In a few days I won't even have internet access to check and see what is going on with my account. 

I understand waiting however long to ensure that the check clears before letting me have that money. That's fine. That should not keep me from the rest of my money that I need to stay alive. I'm also racking up late fees with numerous people that I have the money to pay but can't because they have locked my funds. This is affecting my credit score. 

Please help me. I need food. I need XXXX. I need to be able to go online. I've got no one else who can do a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
Ive been a victim of fraud for over 15 years. My file is located in Experian special handling department because of this. For some reason, Experian continues to allow Fraud accounts for Credit as previously disputed and determined to be fraud, be re-inserted into my file. XXXX XXXX account starting with.XXXX has been deleted, then reinserted, deleted, then re-insert it again several times by experience, creating an unstable in an accurate file that renders the credit report useless. I was were disputed again, just recently within the past two weeks and was determined to be mine or belong to me. I called the companies and asked did they receive any documents along with the dispute request, and they replied no. I then called Experian back who would turn looked up the documents and then re-disputed the items as of todays date. This wouldve been the proper way to do it from the start, but due to this error, customer was deprived of the legal standard process that every person is awarded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank XX/XX/year> Mobile purchase PIN Based {$90.00} XXXX XX/XX/year> Mobile purchase PIN Based {$90.00} XXXX XX/XX/year> Mobile purchase PIN Based {$90.00} XXXX XX/XX/year> Mobile purchase PIN Based {$90.00} XXXX XX/XX/year> Mobile purchase PIN Based {$90.00} XXXX XX/XX/year> Mobile purchase PIN Based {$92.00} Lowes Total : {$540.00}

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 monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-12 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: KY

Complaint narrative:
Subject : Urgent Request for Immediate Deletion of Reinserted Account FCRA Violation Dear CFPB Representative, I am filing this formal complaint regarding the unlawful reinsertion of an account previously deleted from my credit report. The account, listed as XXXX XXXX XXXX, partial account number XXXX XXXX, has been reinserted by TransUnion and XXXX  in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

This account was previously disputed and successfully removed from my credit reports. However, it was reinserted without any prior written notification within the 5 business days required by law, as mandated by the FCRA. In addition to this improper reinsertion, the followin
g inaccuracies and inconsistencies are present in the reporting : 1. Last payment date is listed as XX/XX/XXXX, yet derogatory remarks ( CO Charge Off ) continue through early XXXX, which is contradictory. 
2. The account reports a balance of {$60.00} and charge-off status simultaneously, which is inaccurate and misleading.

3. The payment history shows continuous charge-offs for over 12 months without updating the account appropriately or reflecting resolution attempts.

4. Discrepancies exist between credit bureaus the account is not reported at all by XXXX, suggesting reporting errors or mismanagement.

5. The reinsertion occurred without providing any new, verified information, as required under the FCRA.

Due to these violations, I am requesting that the CFPB take immediate action to have this account permanently removed from all of my credit reports. This reinsertion has caused substantial and unjustified damage to my credit profile. 

I have attached a copy of the current report showing. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Despite sending a written dispute and request for validation to the collection agency, and receiving confirmation from XXXX  that my dispute meets the requirement of the Fair Credit Reporting Act, the item remains on my credit report. I have not received any contract, itemized statement, or proof that I authorized or owe this debt. I request full deletion of the tradeline and an investigation into XXXX XXXX XXXX for continued reporting of an unverified and disputed debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new account with citibank online, they offered {$320.00} with enhanced direct deposit. which included XXXX, XXXX, XXXX  etc. I am self employed so I paid myself over XXXX and it got deposited into my new account. I had it for less than a month and they froze my account. They also took a cash deposit of {$870.00} and then told me my account was frozen. I called them all week. Got the run around. Finally called again, they said they were closing my account and that I would get a letter telling me why and they had to flag my account or something to allow me to get my money. I cant get my money out now. They have over {$4000.00} of my money hostage. I shouldnt have to wait to get my money out. This is horrible and theres no reason why. I saw online that lots of other people have had the same 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: UT

Complaint narrative:
I created a crypto.com account awhile ago hoping to learn more about crypto trading. I deposited {$1800.00} to my account. Soon after my deposit was received I realized my account was on hold and I was unable to withdraw or trade or do anything with my crypto.com account. I tried getting help through the in app support where they told me your account is under review please wait until you receive a email stating the review is finished. They have been saying the same thing for 11 months meanwhile Ive sent countless emails to crypto.coms customer support and contact emails but not a single reply. I just want to get my money back and close my account. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
A Validation Request and Cease & Desist letter was sent more than once. Continuously receiving calls and mail on a debt that I did not sign a contract or agreement binding me to the obligation. The calls are aggressive and back to back. Almost everyday, including throughout the weekend days ( XXXX and XXXX morning, afternoon and evening ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I am submitting this complaint to request the CFPBs assistance regarding an inaccurate late payment being reported by Experian for the account XXXX XXXX XXXX ( partial account number XXXX ). This late payment, listed for XX/XX/year>, is incorrect. I have never been late on this account. This account was actually removed from my XXXX report. However, Experian began reporting it again under negative accounts this month of XXXX, without proper explanation or verification. Reporting this raises serious concerns under the Fair Credit Reporting Act. It violates 15 U.S.C. 1681e ( b ), which requires Experian to maintain maximum possible accuracy, and 15 U.S.C. 1681b, as I never authorized or consented to the reporting of false derogatory information. I believe this also violates my right to privacy under 15 U.S.C. 1681a ( 4 ). I am asking the CFPB to investigate this matter and assist in ensuring that Experian properly corrects this reporting error. I am not requesting deletion of the entire accountonly that the late payment for XX/XX/year> be removed and the account reflect the accurate status of paid as agreed. I also ask that Experian be required to confirm, in writing, that my consumer file has been updated in full compliance with the Fair Credit Reporting Act. I appreciate your time and help in protecting my rights 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 explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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