vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> Citibank called me to asking me if I was authorizing a wire transfer from my account. I advised No and to block my account because I do not do wire transfers. After being on the phone for over an hour, verifying this was fraud, they blocked my accounts for use and advised I needed to open new accounts. When I got home from work I noticed they went ahead and sent the wire out of my account. I immediately called Citi ; s XXXX # since it was after XXXX and they said they could not do anything until monday since the wire fraud is closed over the weekend. I called my personal bank as well as spoke with the fraud dept. They said they would set up an investigation. I had been in contact with the bank manager every day as well as my personal banker.they opened new accounts. I was told it would take 30-90 days to investigate and they would let me know the results. I followed up with the fraud department and many citi people. After 32 days I found out Citi never even filed the fraud claim or started an investigation. They proceeded to file a claim and said it would take another 30-90 days. I called back in just over 30 days and they stated they will not give me my money back and gave no explanation. I filed an appeal with my banker and just received a letter stating the same thing again!

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 2025-12-26 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX Account number : XXXX L

VNV Funding Debt Validation Demand This letter is sent in response to your reporting and alleged collection of the above-referenced account. I dispute this debt in its entirety and request full validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : 1. The original creditors name and address 2. A copy of the original signed agreement bearing my signature 3. A complete chain of title proving LVNVs legal ownership of the debt 4. An itemized accounting of the amount claimed Until validation is provided, you must cease collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 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: NJ

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-26 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: NJ

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-26 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-26 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
After paying off an account never being late. My credit score drop XXXX points for paying off and never being late on a revolving account. I have other accounts that have been on report XXXX points is ridiculous when you've do e something right by payoff your account and never being late these reports are evil and crooked. XXXX points. Drop for doing the right thing.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: P.S.C., Inc
State: WA

Complaint narrative:
I received a XXXX $ debt collection report on my credit report on XX/XX/year> by XXXX XXXX XXXX 

I called them but they couldnt provide any information then I just sent them a formal email about the report, they couldnt provide information again.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
b'Company:Kikoff\nProduct:Credit Builder / Credit AccoXXXX XXXX\nIssue: Incorrect information on credit report\n\nComplaint Narrative\n\nI am submitting this complaint regarding Kikoffs continued reporting of late payments after I canceled my membership.\n\nTo be clear, I am not disputing that this was a legitimate account or that I initially enrolled with Kikoff. My dispute is narrowly focused on the accuracy and fairness of the late payment history that Kikoff reported after my membership was canceled.\n\nUpon canceling my Kikoff membership, I reasonably expected that no additional payments would be due and that no further derogatory reporting would occur. However, after cancellation, Kikoff reported four to five missed payments to the credit bureaus. These late payments were reported after the account was no longer active, and I did not receive clear billing notices or confirmation that payments would continue to be required post-cancellation.\n\nI disputed this directly with Kikoff and requested validation and correction of the late payments that were reported after cancellation. Kikoff responded by stating that the account was opened electronically and that terms were accepted digitally, but failed to address the core issue:\nwhether it is accurate or appropriate to report late payments after a membership has been canceled.\n\nKikoff has not provided documentation demonstrating:\n\nThat payments were still legitimately due after cancellation\nThat I was properly notified of any post-cancellation obligations\nThat reporting late payments on a canceled account meets FCRA accuracy and completeness standards\n\nBecause these late payments occurred after cancellation, I believe the reporting is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2(a) and 1681s-2(b).\n\nI am requesting that Kikoff:\n\n1. Conduct a reasonable investigation into the post-cancellation reporting\n2. Remove the late payments that were reported after my membership was canceled\n3. Correct all credit bureau reporting to reflect accurate payment history\n\nI am submitting this complaint to obtain a proper investigation and resolution, as my prior direct dispute did not address the post-cancellation reporting issue.\n\nPayments Made While AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kikoffs internal statements reflect payment obligations continuing after closure\n\nThose missed payments are what Kikoff later reported as late payments\n\nYou could not pay because:\n\nThe membership was canceled\n\nThe account was closed\n\nNo active billing relationship existed'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit reports from Experian, Equifax, and TransUnion. My XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a 30-day late payment in XX/XX/XXXX despite my records showing all payments were made timely, and the account is current with a {$0.00} balance, opened on XX/XX/XXXX with the last payment on XX/XX/XXXX. Additionally, my XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reports a repossession with a balance of {$18000.00}, which does not reflect my accurate payment history or current status. These inaccuracies violate FCRA 605 ( a ) ( 4 ), 605 ( c ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ) and misrepresent my creditworthiness, potentially causing financial harm and impacting my ability to obtain credit or favorable terms. I am requesting a thorough investigation of both accounts to ensure the information is accurate, up-to-date, and properly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit reports from Experian, Equifax, and TransUnion. My XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a 30-day late payment in XX/XX/XXXX despite my records showing all payments were made timely, and the account is current with a {$0.00} balance, opened on XX/XX/XXXX with the last payment on XX/XX/XXXX. Additionally, my XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reports a repossession with a balance of {$18000.00}, which does not reflect my accurate payment history or current status. These inaccuracies violate FCRA 605 ( a ) ( 4 ), 605 ( c ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ) and misrepresent my creditworthiness, potentially causing financial harm and impacting my ability to obtain credit or favorable terms. I am requesting a thorough investigation of both accounts to ensure the information is accurate, up-to-date, and properly reported.

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 2025-12-26 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:
The consumer submits this third formal follow-up to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items currently reported on their credit file across Experian, Equifax, and TransUnion. Despite prior disputes, several accounts and inquiries remain inaccurately reported, continuing to negatively impact the consumers credit reputation, financial standing, and ability to access fair credit. These items constitute violations of federal law and must be permanently removed to restore the accuracy and integrity of the consumers credit report. 

Specifically, the account XXXX XXXX XXXX with a reported balance of {$13000.00} on Experian, Equifax, and TransUnion is inaccurately listed as late-closed. This repeated misreporting violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which require that all reported information be accurate, verifiable, and properly documented. 

Additionally, the account XXXX XXXX XXXX with a reported balance of {$32000.00}, reported as a charged-off account across all three bureaus, remains on the consumers report without proper verification and without issuance of a required XXXX for debts over {$600.00}. This violates FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681c-2, and FCRA 607 ( b ). 

Furthermore, unauthorized or inaccurately reported inquiries, including XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
The consumer submits this third formal follow-up to demand the immediate and permanent removal of multiple inaccurate, misleading, and unverifiable items currently reported on their credit file across Experian, Equifax, and TransUnion. Despite prior disputes, several accounts and inquiries remain inaccurately reported, continuing to negatively impact the consumers credit reputation, financial standing, and ability to access fair credit. These items constitute violations of federal law and must be permanently removed to restore the accuracy and integrity of the consumers credit report. 

Specifically, the account XXXX XXXX XXXX with a reported balance of {$13000.00} on Experian, Equifax, and TransUnion is inaccurately listed as late-closed. This repeated misreporting violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which require that all reported information be accurate, verifiable, and properly documented. 

Additionally, the account XXXX XXXX XXXX with a reported balance of {$32000.00}, reported as a charged-off account across all three bureaus, remains on the consumers report without proper verification and without issuance of a required XXXX for debts over {$600.00}. This violates FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681c-2, and FCRA 607 ( b ). 

Furthermore, unauthorized or inaccurately reported inquiries, including XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX, violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

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 2025-12-26 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: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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