vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I submitted 2 payment for a charge to XXXX on my credit card, the credit card company hCorrespondance with CITI bank to correct issue : First contact : XX/XX/XXXX : I did not recognize 2 charges on statement XXXX. ) XXXX {$10.00} XXXX. ) XXXX {$130.00} I submitted a fraudulent charge claim for the 2 charges. I was told that the charges would be reversed, and I would receive a new card, the present card would be closed. 
I called XXXX immediately after hanging up from Citi. I was told that one charge was for XXXX monthly fee {$10.00} and an annual fee for XXXX XXXX for {$130.00}. 
I immediately called CitiBank back, I asked if the card could be reinstated and the charges processed because they were my charges. I was told that it was too late the card was closed and a new one issued, but I could reverse the charge on the 2 XXXX accounts. The charges were reversed on XX/XX/XXXX. 
* Note : transactions on XX/XX/XXXX thru XXXX Charge XX/XX/XXXX : {$130.00} and {$10.00}, reversal {$130.00} and {$10.00} Adjustment XX/XX/XXXX : {$130.00} and {$10.00} At this point my statement balance was that was due XX/XX/XXXX = {$180.00} On XX/XX/XXXX I paid {$360.00} which shows a credit of {$140.00} which was never paid to Apple or credited back to my account. 

I was told on XX/XX/XXXX by Security Investa Jashwin ( XXXX ) that I had to contact XXXX about payment ref : XXXX  # XXXX for {$130.00} XXXX # XXXX for {$10.00} After talking with XXXX I was told that those numbers were not in their system and they had not been paid. 
I called CitiBank back ( same number ) and was then given : Refund confirmation # XXXX I called CitiBank back on XX/XX/XXXX spoke with XXXX XXXX. I was told that the investigation would take XXXX days to clear. I paid for XXXX monthly using another payment method and 1 month service for XXXX. 

XX/XX/XXXX, called and spoke to XXXX XXXX XXXX, suggested that I paid for the accounts using another form of payment and submit the payment to : XXXX with reference to the old card number to get credit for what I already paid and get a refund. 

XX/XX/XXXX XXXX with XXXX : XXXX, she stated that she just emailed XXXX to inform them that payment was being processed for the 2 accounts. She could not give me a date as to when it would be processed. 
This money that I paid for service has not been forwarded to XXXX nor credited to my account. 
as not paid XXXX nor refunded my payment. This is coming up on 90 days in a week.

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 monetary relief
Consumer complaint received 2025-09-10 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: HI

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-10 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:
My credit report shows inquiries that I do not recognize. I never applied to these companies, nor did I grant permission for my credit report to be accessed. These inquiries were made without my authorization and represent a clear violation of 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 explanation
Consumer complaint received 2025-09-10 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  XXXX account ending XXXX reported as a {$500.00} charge-off. Under FCRA Experian lists Status Updated XX/XX/year> while TransUnion shows different dates and balances.

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 2025-09-10 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: MI

Complaint narrative:
XXXX  XXXX account ending XXXX reported as a {$500.00} charge-off. Under FCRA Experian lists Status Updated XX/XX/year> while TransUnion shows different dates and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding several inaccuracies and unauthorized activities appearing on my credit report. These errors are negatively impacting my creditworthiness and must be investigated and corrected immediately. 

The issues are as follows : Wrong Addresses Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Incorrect ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Incorrect ) I have never lived at these addresses, and they should not be associated with my credit profile. 

Collection Account ( Incorrect/Unauthorized ) : Creditor XXXX XXXX XXXX XXXX Balance : {$550.00} Date Opened : XX/XX/year> I do not recognize this account and believe it to be either an error or a fraudulent account. 

Unauthorized/Questionable Inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these credit inquiries, and they should be removed from my report. 

Requested Action : Remove the inaccurate addresses from my credit file. 

Investigate and remove the fraudulent/incorrect collection account. 

Delete all unauthorized inquiries listed above.

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 2025-09-10 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Re : Dispute of Alleged Debt / Request for Investigation To Whom It May Concern, I am writing to dispute the validity and accuracy of the debt that you claim I owe toXX/XX/XXXX Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request the following : 1. Verification of the debt, including an itemized accounting of the amount claimed.

2. The name and address of the original creditor, along with documentation showing I am legally obligated to pay.

3. Proof that your agency has the authority to collect this debt in my state.

4. A copy of any contract, agreement, or signature that establishes my responsibility.

Under the FCRA, you are required to conduct a reasonable investigation of this dispute, and if the information can not be verified, it must be removed or corrected from my credit file. Under the FDCPA, you must cease collection efforts until proper validation is provided.

If you continue to report this disputed debt without providing proper validation, you may be in violation of both the FCRA and the FDCPA. I am documenting this request for my records. 

I expect your full compliance with federal law. Please respond in writing within 30 days of receiving this letter. 



Thank you for your cooperation. 



Sincerely, XX/XX/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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: GA

Complaint narrative:
Received robocall message stating debt is owed from over 10 years ago. Returned phone call at number provided and spoke with rep from the company " Client Services ''. They stated my personal information and said a debt was owed for over {$8000.00} to XXXX from XXXX and said they would be filing a claim with XXXX XXXX court since I was refusing to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-10 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On XX/XX/scrub>XXXX XXXX  I mailed a dispute letter to Portfolio Recovery Associates regarding an alleged debt of {$680.00} that they claim I owe. In my letter, I specifically requested proper verification and documentation that there is a valid basis for claiming I am required to pay this debt. I asked for a copy of the written agreement or contract that created my original obligation to pay, along with other supporting documentation. 
Instead of providing the requested proof, PRA, LLC responded with a letter dated XX/XX/year>, stating : They had completed their investigation and attached unspecified documents. 


They claimed these documents establish the validity of the account but did not provide the original signed agreement or proof of ownership of the debt. 


They included language about the statute of limitations, stating they will not sue me for this debt due to its age, but still continue to report it. 
Failure to Validate the Debt ( FDCPA & FCRA Violation ) : PRA, LLC has not provided the specific documentation I requested to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). A generic response without the original signed agreement or valid assignment is not proper validation. 
Continuing to Report a Disputed Debt : I clearly stated in my XX/XX/XXXX letter that the debt was disputed and under discussion. Despite this, PRA, LLC continues to report the account to the credit bureaus without providing proper validation. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am demanding proof of lawful authority and consent for [ Equifax/Experian/TransUnion/XXXX ] to obtain , maintain , and share my personal information. I have never signed a contract, agreement, or other document granting this company the right to collect, use, or distribute my name, Social Security number, or related identifying information. 

I am requesting that the company provide : 1. The lawful authority under which they claim the right to use my personal data.

2. The original agreement or contract bearing my signature that authorizes them to do so.

3. The parties or sources from which they acquired my personal information.

If such proof does not exist, their actions amount to unauthorized and unlawful use of my information and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am demanding proof of lawful authority and consent for [ Equifax/Experian/TransUnion/XXXX ] to obtain , maintain , and share my personal information. I have never signed a contract, agreement, or other document granting this company the right to collect, use, or distribute my name, Social Security number, or related identifying information. 

I am requesting that the company provide : 1. The lawful authority under which they claim the right to use my personal data.

2. The original agreement or contract bearing my signature that authorizes them to do so.

3. The parties or sources from which they acquired my personal information.

If such proof does not exist, their actions amount to unauthorized and unlawful use of my information and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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