vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my bank account was compromised, resulting in charges exceeding {$22000.00} made by a company named XXXX XXXX. During this period, I was preoccupied with my father 's XXXX XXXX XXXXXXXX, which led me to overlook the transactions until XX/XX/XXXX. My father ultimately XXXX XXXX XXXX XXXX XXXXXXXX during this time period. I initiated a dispute regarding XXXX charges totaling over {$22000.00}. Instead of requesting information from me, Citibank swiftly closed both of my accounts, which had been in good standing for over XXXX years, and declined to conduct a thorough investigation. I was informed that Citibank would look into the matter, but a week later, I received a letter indicating that the case was closed and the decision favored the merchant. I subsequently filed a second complaint, only to be met with the same outcome shortly thereafter. According to Citibank 's dispute policy : Citibank will investigate the dispute and make a decision based on the evidence provided by both me and the merchant. 

During the brief investigation concerning these {$22000.00} charges, Citibank failed to send me any documentation to present my perspective or evidence regarding these charges. I find it hard to believe that a proper investigation took place when my input was neither solicited nor acknowledged. It appears that Citibank is attempting to absolve itself of responsibility, and given that my account is closed, it understands the challenges I face in recovering these funds. Since the investigation commenced, I have filed a police report against this merchant, yet the merchant has refused to provide any resolution other than advising me to initiate a chargeback. Since this situation involved a bank account that is now closed, I find it nearly impossible to reclaim these funds. Citibank continues to assert that a proper investigation was conducted, but this is not accurate. I will persist in filing reports against this bank and will seek legal representation to challenge both the merchant and Citibank, as they are not affording me the opportunity outlined in their policy.

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 2025-07-13 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: FL

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX XXXX : XX/XX/XXXXXXXX  Last XXXX of XXXX : XXXX Date : XX/XX/XXXX recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : Personal Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnion, Equifax and Experian 's continued reporting of three closed and charged-off accounts on my credit report. These entries are outdated, disproportionately damaging, and in some cases lack sufficient validation or context. The continued inclusion of these accounts as derogatory is negatively affecting my creditworthiness and ability to obtain fair financial opportunities. 

Here are the accounts in question XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$3100.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$2900.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$230.00} Complaint Details : All three of these accounts are reported by TransUnion as closed/charged-off, which is severely damaging my credit score and public perception of my financial behavior. I believe the reporting of these accounts, in their current form, is : Misleading, since they are long closed and no longer reflect current credit activity. 

Potentially inaccurate, as I have not received adequate or recent validation of these debts. 

Punitive, given the time elapsed and lack of collection efforts or creditor updates. 

Disproportionate, particularly for the smaller account totaling only {$230.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
This is identity theft I did not open this account. Someone stole my identity. Please remove and block immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
This is identity theft I did not open this account. Someone stole my identity. Please remove and block 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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers if you do not remove the below listed accounts i will have no choice but to file a LAWSUIT and report you to th CFPB.

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 2025-07-12 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute a bankruptcy that is being incorrectly reported on my credit file. This bankruptcy does not belong to me. It appears to be a result of a mistaken identity involving my father, who shares a similar name. I am legally XXXX XXXX XXXX XXXX, and the bankruptcy you are reporting pertains to XXXX XXXX XXXX XXXX, if known, not me. 

I have contacted LexisNexis, the source of this misinformation, and initiated a dispute. They are investigating the matter. In the meantime, you are reporting this false and damaging information, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnion, Equifax and Experian 's continued reporting of three closed and charged-off accounts on my credit report. These entries are outdated, disproportionately damaging, and in some cases lack sufficient validation or context. The continued inclusion of these accounts as derogatory is negatively affecting my creditworthiness and ability to obtain fair financial opportunities. 

Here are the accounts in question XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$3100.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$2900.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$230.00} Complaint Details : All three of these accounts are reported by TransUnion as closed/charged-off, which is severely damaging my credit score and public perception of my financial behavior. I believe the reporting of these accounts, in their current form, is : Misleading, since they are long closed and no longer reflect current credit activity. 

Potentially inaccurate, as I have not received adequate or recent validation of these debts. 

Punitive, given the time elapsed and lack of collection efforts or creditor updates. 

Disproportionate, particularly for the smaller account totaling only {$230.00}.

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 explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am submitting this complaint regarding TransUnion, Equifax and Experian 's continued reporting of three closed and charged-off accounts on my credit report. These entries are outdated, disproportionately damaging, and in some cases lack sufficient validation or context. The continued inclusion of these accounts as derogatory is negatively affecting my creditworthiness and ability to obtain fair financial opportunities. 

Here are the accounts in question XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$3100.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$2900.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charged-Off Amount : {$230.00} Complaint Details : All three of these accounts are reported by TransUnion as closed/charged-off, which is severely damaging my credit score and public perception of my financial behavior. I believe the reporting of these accounts, in their current form, is : Misleading, since they are long closed and no longer reflect current credit activity. 

Potentially inaccurate, as I have not received adequate or recent validation of these debts. 

Punitive, given the time elapsed and lack of collection efforts or creditor updates. 

Disproportionate, particularly for the smaller account totaling only {$230.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I am filing this complaint against Sunrise Credit Services Group for violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Sunrise Credit Services is reporting a collection account in the amount of {$260.00} allegedly owed to XXXX XXXX XXXX XXXX. I disputed this item with both XXXX  and XXXX. Both credit bureaus responded stating the account was updated, which I interpret as verified. However, Sunrise has never provided any documentation validating the debt, nor proof of legal assignment, ownership, or a contract. 

These actions violate their statutory responsibilities to conduct a reasonable investigation, review all relevant dispute information, and correct or remove unverifiable data. As a result, inaccurate and unverifiable information continues to damage my credit and hinder my access to financial opportunities. 
I have attached a Notice of Intent to XXXX that outlines my claims and gives Sunrise 15 days to resolve this issue before I file a federal complaint. 

I am requesting either : Full deletion of the Sunrise tradeline from all consumer reporting agencies, AND A settlement offer in exchange for resolution if validation can not be provided. 


Sunrise Credit Services has failed to meet its legal obligations under the FCRA and FDCPA, and I request that the CFPB investigate this matter and ensure proper compliance.

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 2025-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The fraudulent inquiries I have found : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 
I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX the car was stolen from NJ and was retrieved in XX/XX/XXXX it was repo and was retrieved I called the command told them I couldnt afford the double payments of XXXX amount. I told the company my son can give them the car in XXXX NY one morning the car had a boot on it then it was taken I thought the bank took the car back. However the back kept calling stating they didnt have it I tried to call police records no record up into this year in XX/XX/XXXX a policeman told me it was registered in another name and is on the street. I received a copy of mail letter to myself and the bank they sent out to sell the car because it was sitting there. The bank gave consent to sell it but continued to have the account open to bill me and block my credit from future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX XXXXXXXX Account number XXXX Inconsistencies among TransUnion, Experian, and Equifax in regard to the following : Account status derogatory vs paid Date opened XX/XX/22 vs XX/XX/22 Balance {$990.00} vs {$0.00} High credit and Credit limits varies Past due {$990.00} vs {$0.00} Payment status collections vs unknown I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a {$900.00} Zelle payment sent from my checking account ending in XXXX. Although I authorized the transaction on the understanding that I was purchasing legitimate goods, the seller never delivered the promised items and has refused to refund my money. This constitutes merchant fraud. 

To document the incident, I filed a police report with the XXXX XXXX XXXX XXXX ( Case # XXXX ). The report confirms that I was the victim of a scam in which the recipient obtained funds through false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A company name IC System keeps calling me. for about a month, about {$110.00} a debt. I told them that I don't know you or know about the debt you're talking. can you validation the claim. Or the purchase agreement. I later seen they were reporting on all three Credit Bureau. I disputed them online, but they are still reporting on XXXXXXXX XXXX XXXX XXXX XXXXXXXX. and every other day IC System call me. But they don't say anything and hangup. trying to get me to call them back.

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 2025-07-12 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: TX

Complaint narrative:
Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers if you do not remove the below listed accounts i will have no choice but to file a LAWSUIT and report you to th CFPB.

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 2025-07-12 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: TX

Complaint narrative:
Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers if you do not remove the below listed accounts i will have no choice but to file a LAWSUIT and report you to th CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted gs bank and called and filled a report with them and they said there doing invsestgation and they were going to remove it off my credit becuase I didn't allow some one to open a credit in my name and I did not know and is say it was open XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief