vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a complaint against Citibank, related to a credit report dispute. A credit check with all 3 bureaus that I made on XX/XX/year>, reveals on each credit report the presence of a revolving credit account with Citi that I do not have. 

[ [ Note, in the dispute I filed with each credit bureau on XX/XX/year>, I noted the possibility that the Citi account * could be * my Dept. of Defense gov't travel card ( DoD GTC ), operated by Citi, which I am required to maintain in my capacity as a XXXX XXXX XXXX XXXX ( This, notwithstanding the incorrect account number, payment and balance history, etc. ) But a call to Citi 's Commercial Card customer service office this morning ( XX/XX/year> ) confirms that Citi does not report XXXX XXXX cardholder account activity to credit bureaus. Therefore, the Citi account listed on my credit reports can not be the XXXX XXXX account, and I do not have any other Citi accounts. ] ] The fake account information on each credit report lists Citi as the account institution, with the contact information / phone number identified above. Though this phone number is only cardholders, a series of calls and transfers led me to Citi 's Fraud Department at ( XXXX ) XXXX, where I spoke to " XXXX, '' the customer service representative identified above. By SSN check, this person confirmed verbally that I do not have a revolving credit account with Citi ( or any other credit account ), but stated that Citi would not take any further investigative or remedial action. She stated ( circularly ) that Citi could not furnish a writing evidencing that I do not have an account, because I don't have an account.

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 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I wanted a car less than {$20000.00}, and the loan never went down. I did pay more than {$12000.00}, but I still had to sell the vehicle at XXXX cause I couldn't keep up with the payments and stress from Santander calling me every week with threats of repossessing the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tilt Finance, Inc.
State: AL

Complaint narrative:
There were several issues that arose with Empower Finance with my Personal Line of Credit account XXXX. First of all, there was a membership fee of {$8.00} that was required to open the Thrive account, on top of the 35.99 % interest rate. They made it seem as though the membership could be cancelled at any time. However, this was not true. When I tried to cancel the membership in XXXX & XXXX XXXX, I was given an error message that I could not cancel until my line of credit was 100 % paid off ( including interest ). I continued to use the app because at the time I was low income and unable to repay the loan in full. My limit on the line of credit was {$320.00}, and I made payments to get the balance down to only {$130.00} by XXXX XXXX In XXXX they charged my account in unexpected ways ( breaking up the amounts withdrawn ) leading to my bank account becoming overdrawn which incurred fees I could not repay. My bank account was closed, and I reached out to Empower near the end of XXXX to try to repay the {$130.00} balance through other means when I started a new job making a little better money, but they would not accept my new bank account in the app because it is through XXXX. I tried to make arrangements through their Support in the app but was met with a chatbot who only responds to certain prompts. I tried to email them and never received a response. I would have even be willing to send a money order in the mail to repay this amount, but they refused to work with me to get this matter resolved, and have been using their ability to report to Credit Bureaus as retaliation. They reported the balance to collections and have been reporting the most serious Derogatory remark to all major credit bureaus ( even after they charged off as profit/loss ) which has negatively impacted my credit score. There are inaccuracies with their reports as well. All in all, I feel like the company took advantage of me ( the customer ) from the get go by not disclosing the full nature of the agreement and by charging exorbitant interest and fees, trapped me ( the customer ) with their subscription fees ), refused to communicate with me so that I could make arrangements on the amounts owed, and then reported the balance ( which I tried to pay off but was not given the opportunity to ) to the credit bureau with the most severe remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account Jefferson CapitalXXXX Credit Card XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account said it was temporarily unavailable. I called US bank and they said they closed my account and they didnt warn me, tell me why or any information about it. I did not do anything wrong. I am XXXX and in XXXX XXXXl and they can not just close an account for no reason. Especially because I dont have any accounts and I relied on that one.

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 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DE

Complaint narrative:
My students record were disclosed without my consent violating FERPA s strict confidentiality protections.

Breach of the privacy act of 1974 According to FCRA section 605B it is illegal to report anything on my credit report without my permission.

Please remove this negative item Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX EXP

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 2025-05-18 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: TX

Complaint narrative:
I submitted XXXX formal dispute letters to XXXX  XXXX  XXXX XXXX the first on XX/XX/year>, and the second on XX/XX/year>. 
My XX/XX/XXXX letter was a dispute under FCRA 1681i, requesting reinvestigation of multiple unauthorized and unfamiliar entries on my Clarity Services report, including clustered inquiries and unknown lenders. 
My XX/XX/XXXX letter was a formal identity theft dispute under 605B, supported by a valid FTC Identity Theft Report, government-issued ID, proof of address, and SSN verification. I explicitly requested immediate blocking of any tradelines resulting from identity theft, in accordance with federal law. 

On XX/XX/XXXX, I received a response from XXXX  dated XX/XX/XXXX. It made no mention of my identity theft documentation, and it did not address my XXXX block request. The letter provided no information beyond a generic claim that the information was verified. No documentation, data furnisher details, or proof of authorization were provided. I consider this a non-response and a direct violation of the FCRA. 

I am now experiencing real harm due to XXXX inaction. Despite having a clean credit profile with XXXX, I have been denied or excluded from multiple prime credit opportunities including XXXX XXXX due to the presence of inaccurate or unverified data from XXXX  XXXX. These denials are directly tied to XXXX failure to address my disputes and block fraudulent activity as required by law. 

Clarity has failed to : Conduct a reasonable reinvestigation under 1681i Acknowledge or act on my identity theft report under 605B within the required XXXX business days Provide documentation or a corrected consumer report If this matter is not fully resolved within the next XXXX business days, I will be forced to consider all available remedies under the law, including legal enforcement. I strongly prefer a professional and timely resolution, but I will not allow these violations to continue unaddressed. 

I am requesting that Clarity Services : Acknowledge and block all identity theft-related entries per 605B Issue a corrected consumer report Provide proper documentation for any entries they choose to retain Cease reporting unverifiable or inaccurate information to third-party lenders I am prepared to submit all supporting documentation, including both dispute letters, the FTC Identity Theft Report XXXX the XX/XX/XXXX response from XXXX, and evidence of credit denial due to XXXX  data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Pulled my credit report and noticed XXXX XXXX XXXX XXXX  had sold the debt to LNVN FUNDING LLC. they bought 2 DEBTS 2nd one was XXXX XXXX XXXX XXXXPursuant 15 USC 1681 b ( a ) 2, 15 USC 1692 c,15 USC 1692g 15 USC1681e ( b ) these accounts are to removed from my account. My information should be protected but yet sold to third party without my written consent. damages have been done and my report needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I was a victim of the XXXX  Data Breach and have unauthorized soft and hard inquires and unauthorized credit in my name and I need these items removed/ deleted at once according to 15 US code 1881. Please respond to me in the proper time slotted. 

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 explanation
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of the XXXX  Data Breach and have unauthorized soft and hard inquires and unauthorized credit in my name and I need these items removed/ deleted at once according to 15 US code 1881. Please respond to me in the proper time slotted. 

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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I wanted a car less than {$20000.00}, and the loan never went down. I did pay more than {$12000.00}, but I still had to sell the vehicle at XXXX cause I couldn't keep up with the payments and stress from XXXX calling me every week with threats of repossessing the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
My previous landlord put a large move out fee that I was not responsible for and sold the debt to Fair Collections and Outsourcing despite that I had request dispute about that charge. I put a dispute with FCO and they said the debt is correctly reported. I admit that I had a lease with the landlord but totally not agree with that large move out fee. Given the landlord ignore any of my communication efforts to diapute that charge, FCO should not have taken that 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 2025-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Below are the details of the inquiries that are related to my fraud case. The below inquires were not authorized and still remain on my credit report : 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 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TN

Complaint narrative:
I hope this message finds you well. I am writing to respectfully request an update to my account to reflect positive payment history, as I have now paid the outstanding balance in full. 

Due to circumstances beyond my control, my payment was not received on time. Specifically, I was unexpectedly out of the country during the due date, which limited my ability to contact your office promptly. Additionally, my employers payroll was delayed, and I did not receive my salary until after the payment due date. As soon as these issues were resolved, I immediately settled the balance in full. 

I have been a responsible customer and have maintained timely payments throughout my relationship with Possible. This isolated late payment was not intentional, and I kindly request that you update my account to reflect that my account is in good standing and that the payment history be adjusted to positive. An accurate record is important to me, as it affects my credit report and future financial opportunities. 

Please let me know if there is any additional information or documentation you require, such as proof of payment, bank statements, or proof of employment/payroll details. I appreciate your understanding and prompt attention to this matter. 

Thank you for your time and assistance. I value my relationship with Possible and look forward to your favorable response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 non-monetary relief
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: AL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Dear XX/XX/XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXX/XX/XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Midland Credit ManagementXX/XX/XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXXXX/XX/XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXXXX/XX/XXXXXXXX I previously disputed this account stating : " I never had a contract with this debt collector for any debt. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation