vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> Citibank sent an email stating they have decreased my credit limit. There was no real explanation. I called customer service and they claimed they had no information that was able to explain the credit limit decrease. I am in good standing with the credit card company and this was done with no fair warning. I want my limit to be back to what it was. I would like a better explanation as to why this decision was made.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : [ No charged off accounts listed for Equifax ] Inquiries : XXXX, Date : XX/XX/year> Late Payments : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report in violation of the FCRA. 
They are reporting a {$4300.00} past due amount on a collection account, which is not allowed. Collections can not report past due balances, only the total balance. 
They also reported a balance update on XX/XX/year> despite there being no communication, activity, or payments to justify this update. 
This indicates the information is not being verified and is being updated automatically, which violates FCRA XXXX ( b ) and XXXX ( a ). 
I am requesting an investigation, and since the furnisher can not verify or provide proper documentation ( original contract, itemized accounting, chain of title ), this account must be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-11-21 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Complaint Offense by B of A XXXX took place Tuesday, XX/XX/XXXX, approx. XXXX EST. The Employee admitted they worked inside the B of A Call Center [ Has no XXXX XXXX address ] P.O. Box XXXX. XXXX XXXX, TX XXXX. The associate was contacted by me about an XXXX XXXX alert, that XXXX XXXX credit card has exceeded its maximum limit, yet had barely used it in XXXX. The B of A telephone system told me the day before -- XX/XX/year> -- I had over {$50.00} credit STILL ON THE CARD! And no mentioning of any XXXX XXXX closing date. I reach this associate to ask what suddenly happened to this credit limit, since a last transaction using this Visit was only {$1.00} on XX/XX/XXXX. The associate at the XXXX XXXX XXXX XXXX conversed to me with an offensive, out-of-date XXXX and XXXX XXXX XXXX XXXX XXXXXXXX slurs, a name not listed on the screens as my first and last legal name. The associate continued slurring me XXXX other times. I then hung up and called another B of A associate who I upfront told not to slur me and talk to me using my fist and last legal names. They complied.

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 2025-11-21 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: LA

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is related to my earlier CFPB case # XXXX. 

Immediately after filing that complaint, Bank of America falsely claimed I had insufficient funds for a transaction. This is not true. 

I have attached a screenshot proving my account had sufficient funds. I believe this is a retaliatory and underhanded tactic by Bank of America to cover up the illegal practices I reported earlier and to target my accounts. 

This requires immediate investigation.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
Dear Sir/Madam, I am disputing the following items on my credit report as provided by Experian. These accounts are reported as charged off, but I believe they contain inaccuracies that need to be corrected or removed. Please investigate and address the following discrepancies : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} ( Inaccurate or incomplete reporting ) XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} ( Inaccurate or incomplete reporting ) Late Payments : XXXX Account Number : XXXX ( Late payment reported inaccurately ) XXXX  Account Number : XXXX ( Late payment reported inaccurately ) XXXX XXXX Account Number : XXXX ( Late payment reported inaccurately )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield is attempting to collect a debt that I do not owe. I requested full validation of the debt, including the original creditor, the exact balance, and proof that Hunter Warfield has the legal right to collect it. Despite my request, they failed to provide any documentation or verification.

By failing to validate the debt, Hunter Warfield did not fulfill their obligations as a debt collector under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires them to provide verification of the debt upon request. Their continued attempts to collect without validation also violate FDCPA 1692e, which prohibits false, deceptive, or misleading representations in debt collection.

Because they can not prove that I am legally responsible for this debt, it is invalid. I am requesting that this debt be deleted from all credit reports and that Hunter Warfield cease all collection activity immediately, as continuing to report or attempt to collect on an unverified debt is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain inaccurate items on my credit report as provided by Equifax. The following accounts are listed as charged off, but the reported balances are incorrect, and I believe they are inaccurate based on my records. Please review the following items and correct or remove them from my credit report : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} ( Inaccurate or incomplete reporting ) XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} ( Inaccurate or incomplete reporting ) Late Payments : XXXX Account Number : XXXX ( Late payment reported inaccurately ) XXXX  Account Number : XXXX ( Late payment reported inaccurately ) XXXX XXXX Account Number : XXXX ( Late payment reported inaccurately )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this statement to dispute the following accounts on my Equifax credit report. I believe some of the information may be inaccurate or unverifiable, and I request that Equifax thoroughly review these accounts and either correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2024, {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2024, {$850.00} LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am submitting this complaint because TransUnion is reporting information that I believe is inaccurate or not properly verified. My disputes with TransUnion have not resulted in documentation or correction. 

CHARGED-OFF / COLLECTION ACCOUNTS XXXX  Acct : XXXX Reported XX/XX/year> Balance : XXXX XXXX  Acct : XXXX Reported XX/XX/year> Balance : XXXX I do not believe these accounts are being accurately reported, and TransUnion has not provided proper verification. 

XXXX XXXX inquiries are currently in dispute for TransUnion. 

LATE PAYMENTS XXXX XXXX Acct : XXXX I dispute this late payment because TransUnion has not provided documentation proving its accuracy. 

I request that TransUnion validate these accounts and late payments or remove them if they can not be verified under the FCRA.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-21 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:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX XXXX  credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>, Balance : {$100.00}

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 2025-11-21 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: IN

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX XXXX  credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date : XX/XX/year>, Balance : {$460.00}

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 2025-11-21 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have been a victim of several data breaches with my information being used for unauthorized account accounts. 
I am reporting identity theft involving XXXX accounts opened or reported without my authorization. I did not create, open, authorize, or have any knowledge of these accounts. 
Accounts involved : - XXXX XXXX ( Account # XXXX ) - XXXX XXXX ( Account # XXXX ) - Credit Collection Service ( Account # XXXX XXXX  ) -Credit Collection Service XXXX # XXXXXXXX XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIDLAND CREDIT MANAGEMENT XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX. I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA and FDCPA. 

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with explanation