vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am disputing a Citibank credit account that does not belong to me. The account is listed as a secured credit card opened in XXXX XXXXunder my SS ending in XXXX but apear as XXXX XXXX XXXX, and although it is now marked as closed and paid in settlement, I never opened or authorized this account. 

I submitted documentation proving my identity, including a legal name and government-issued identification. However, Citibank has not provided any verification that connects this account to me, nor have they properly responded to my dispute. 

Despite being closed, this account still appears on my credit report with a statement indicating it was settled for less than the full balance and that {$470.00} was written off. This is negatively affecting my creditworthiness and does not reflect my financial behavior, as the account was never mine. 

I request a full investigation and the permanent removal of this account from 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 non-monetary relief
Consumer complaint received 2025-07-19 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:
Dear TransUnion I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to theFair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus XXXX, XXXX  and TransUnion.To support this request, I have included the following documents:1. A copy of my government-issued ID.2. An Identity Theft Report from the FTC .3. Proof of addressAccount Name XXXX XXXX XXXX Account Number : XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXXAccount Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly.Thank you for your attention to this matter.Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to respond adequately to my credit dispute filed on XX/XX/year>. 

On that date, I formally submitted a written dispute to Equifax requesting the removal of several closed accounts from my credit report. These accounts all reflect a {$0.00} balance, are not in default, and no longer serve a valid purpose in evaluating my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of information that is inaccurate, outdated, or no longer necessary. 

Despite providing all necessary supporting documentationincluding a copy of my government-issued ID and proof of addressEquifax has failed to properly investigate or respond to my dispute within the required 30-day timeframe. As of today, no updates or investigation results have been provided, and the accounts remain unchanged on my credit report. 

The following accounts were disputed and requested for removal : XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts meet the criteria for removal : They are closed They carry a {$0.00} balance There is no history of delinquency or collection activity Their continued presence on my credit file may be unnecessarily lowering my credit score I am requesting the CFPBs assistance in ensuring that Equifax fulfills its obligation to properly investigate my dispute and provide a timely, lawful resolution. If Equifax chooses not to remove the accounts, I am requesting that they provide documentation and a clear explanation to justify their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company LVNV has been changing dates trying to reopen an old account creating fake dates as to when this was opened I have documents proving they are lying they keep trying to reopen a closed account this has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 
PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : Formal Demand for Immediate Deletion Accounts # XXXX and # XXXX {$970.00} Each Collection To Whom It May Concern, This letter serves as a final demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I am demanding the immediate deletion of the following unverified and unlawfully reported accounts from all credit bureaus : Portfolio Recovery Account # XXXX {$970.00} Collection Portfolio Recovery Account # XXXX {$970.00} Collection You are reporting these accounts without providing full legal validation, which is a direct violation of federal law. A final bill, digital summary, or unverifiable data file is not legal validation. 

Under 15 U.S.C. 1692g, I demand the following : A copy of the original contract bearing my wet signature A complete account and billing history A flow sheet clearly outlining the chain of assignment from the original creditor to your company A binding purchase agreement or contract of sale giving you the legal right to collect Proof that you are licensed to collect debts in the State of Illinois You are currently violating : 15 U.S.C. 1692g ( b ) Failure to cease collection without proper validation 15 U.S.C. 1692e ( 8 ) Reporting unverifiable or false information to the credit bureaus 15 U.S.C. 1681i ( a ) Failing to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1692f Engaging in unfair or deceptive collection practices You have 15 calendar days from the date of this letter to : Delete both accounts from XXXX XXXX XXXX XXXX Provide all documentation listed above Cease all reporting and collection activities Failure to comply will result in the following immediate actions : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance to the Illinois Attorney Generals Office Civil litigation seeking full legal and financial remedies under federal law This is your FINAL WARNING. Either delete these unverifiable accounts and provide full documentationincluding a flow sheet and binding agreementor prepare to be held accountable in federal court. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding the following account : Creditor : JPMCB CARD Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX According to my records and the information you are reporting, the account was paid in full and closed in XX/XX/XXXX. However, the payment history also shows a 30-day late mark reported in XX/XX/XXXX, which is inconsistent with the fact that the account was closed and paid that month. An account can not simultaneously be paid and closed while also reported late in the same month. 

Additionally, I request verification of all reported late payments on this account for accuracy and proper documentation, as the dates and amounts appear inconsistent with my records. 

I respectfully request that you investigate these discrepancies and remove or correct any inaccurate or inconsistent information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide me with a written response detailing the results of your investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
Account Opened Fraudulently 1. XXXX XXXX XXXX opened on XXXX 2. XXXX XXXX  opened on XXXX Hard Inquiries Inquired fraudulently 1. XXXX Bank inquiry date XXXX 2. XXXX  inquiry date XXXX 3. XXXX XXXX Bank inquiry date 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 2025-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account Opened Fraudulently 1. XXXX XXXX XXXX opened on XXXX 2. XXXX XXXX  opened on XXXX Hard Inquiries Inquired fraudulently 1. XXXX Bank inquiry date XXXX 2. XXXX  inquiry date XXXX 3. XXXX XXXX Bank inquiry date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint against XXXX and Chase bank for allowing over a dozen illegal/fraudulent charges. 

I have several saving accounts. This account is for savings for my XXXX XXXX XXXX XXXX XXXX XXXX dont touch it or look at it. I dont use it to pay bills and its not linked to any services or payments. 

When I noticed my Account had a large number of withdraws were taking out of this account or XXXX transfer add to balance XXXX ID XXXX XXXX on my account that I never used for XXXX. In other words, another persons XXXX account was taking money out of my savings account starting in XX/XX/XXXX with a give Fund web ID XXXX XXXX for {$2.00} then in XX/XX/XXXX of XXXX XXXX transfer to balance XXXX with the XXXX XXXX XXXX, {$99.00}, {$99.00}, and $ XXXX XXXX, XXXX XXXX transfer add to balance was fraudulently taken out of my account and {$190.00} then again on XX/XX/XXXX, {$99.00} another {$99.00} another {$99.00} another {$99.00} all from XXXX transfer add to balance XXXX ID XXXX SD XXXX I made a complaint in XXXX the first time I looked at my account since XX/XX/XXXX of XXXX. Chase Bank said they would only protect my account from the last 60 days so they gave me a small refund of some of the purchases made within that time then another unauthorized XXXX withdraw was made. I made the complaint on XX/XX/XXXX XXXX transfer add to balance occurred at XXXX same XXXX from XXXX XXXX XXXX told me I couldnt get my {$190.00} back. after several meetings in the bank and going to their fraud line XXXX said I was responsible for any and all of of the Paypals and would not refund my money because I didnt complain about it within XXXX or 60 days so if someone were to take all of my money out with this XXXX SD XXXX ID it was permitted since I did not make a complaint or notice it for over 60 days. They said I was responsible for all money fraudulently taken with just short of {$3000.00}. Theres nothing I can do. Please help, Ive been with XXXX XXXX  for over 30 years and this is not right. I filed a police report as I also tried to get XXXX to help, they gave me the persons name associated with the withdraws but says your bank will handle this. 

Please contact me for further information XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I recently received a response from Capital One denying my request to remove the hard inquires from my credit report. Capital One stated that the hard inquires were linked to existing accounts and that by pulling a customers credit report, Capital One and establish eligibility for the products they provide to consumers. Regardless of company policy Capital One must adhere to the consumer laws established by the United States of America. 15 U.S. Code 6802 clearly states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the company adhere to the requirements set forth by U.S Code 6802 ( Gramm-Leach-Bliley Act of 1999 ). Since to company has refused to remove the hard inquires from my credit report an identity theft report has been made and further legal action will be take if Capital One does not follow consumer law and honor my request within 15 day of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC XXXXI - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX XXXX XXXXXXXX BANK XXXX # XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-07-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC XXXXI - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX XXXX XXXXXXXX BANK XXXX # XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> there were XXXX fraudulent charges posted to my account totaling {$1300.00} out of {$1900.00} deposit I did not notice these charges because it is not money I earned but money I was given to make a purchase for a vehicle. On XX/XX/year> I went through the Cashapp account and saw that the money was missing and immediately filed disputes. Cash app refunded XXXX dispute but is denying information and potentially refunding of my money. It would be great if someone could nudge the company a bit to get some information and ground gained on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Hello, I am the victim of identity theft. Someone used my personal information in 2020, including my Social Security number, to fraudulently open two XXXX XXXX utility accounts in my name. These accounts were then sent to collections and are now being reported on my credit file by all three credit bureaus : XXXX XXXX XXXX XXXX. This has been ongoing for the last 4 years. 

I have taken the following appropriate and legal steps to dispute this : Filed a police report with my local law enforcement Filed an identity theft report with the Federal Trade Commission ( FTC ) Placed a fraud alert on my credit reports Submitted formal disputes with all three major credit bureaus, along with copies of my FTC report, police report, photo ID, and proof of address Despite providing clear documentation showing that I did not open these accounts, I was informed that the accounts were verified as belonging to me. No explanation has been given as to how this verification was done or what evidence was used. I have never had any account with XXXX XXXX let alone my own apartment or home to have bills to begin with. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ). The continued reporting of these fraudulent accounts is damaging my credit and causing significant XXXX  and hardship. The credit bureaus and XXXX XXXX have failed to reasonably investigate and resolve my dispute as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
My federal loans were in administrative forbearance on the XXXX plan at 0 %. MOHELA added accrued interest to each loan for a short period while the loan were still at 0 % interest. I reached out 6 months ago and brought the problem to their attention. I received a message weeks later saying : Regarding your request, our records indicate that the interest on your account will be removed. We are currently working on updating all accounts on the interest free forbearance. We appreciate your patience in this matter. 


6 months have passed almost and the interest charges have yet to be removed. I have attempted to call MOHELA but their phone trees are not functional and you can not reach any customer reps.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Per 15 U.S.C. 1666b : ... a creditor may not treat a payment on an account as late unless they have adopted reasonable procedures to ensure that each periodic statement... is mailed or delivered not less than 21 days before the payment due date.

To date, I have not received evidence that any statements were sent at least 21 days prior to the due date. Despite good-faith requests, no documentation has been provided demonstrating compliance with this requirement. Therefore, the reporting of any late payments under these circumstances is unlawful.

Company response to consumer: Closed with explanation