vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to express my deep disappointment with the lack of support I have received regarding the return of {$1300.00}. Despite numerous attempts and hours spent on hold, I have been unable to speak with anyone who can assist me. 
Here is what happened : I initiated a fourth transfer to someone already on my list. I had previously sent him money via XXXX, but for reasons I cant explain, this time I used my debit card. The next day, I asked him if the transfer had gone through, and he informed me he never received the funds. I then sent the money again via XXXX. 
When I checked my bank account with XXXX XXXX XXXX, I saw a transaction labeled CitiBank Descriptive Withdrawal, XXXX Transfer, Transaction ID # XXXX, with a posting date of XX/XX/year>. I immediately contacted customer service, which was nearly impossible to reach without a Citibank account or cardneither of which I have. 
Eventually, I reached someone, but what followed was a nightmare. My bank provided a tracking number ( # XXXX ) and assured me that Citibank could use it to locate and return the funds. However, I was told there was nothing Citibank could do. 
To date, I have received no assistance. The {$1300.00} remains unaccounted for, and no one will help me resolve this issue. I expect a prompt and thorough investigation, a resolution to this matter, and a significant improvement in your customer service practices.

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 2025-09-30 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: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccurate reporting of the following accounts listed as Late Open on my credit file : XXXX XXXX XXXX with a balance of {$240.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$860.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$400.00}. These accounts are inaccurately reported as currently open and late, despite being either closed, settled, or otherwise not meeting the definition of a current delinquency. Reporting them as Late Open misrepresents my credit history and creates a false impression of ongoing delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], consumer reporting agencies may not include obsolete or misleading information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to provide only accurate information to the credit bureaus, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The current reporting violates these provisions, and I am requesting immediate reinvestigation and correction to ensure compliance with 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 explanation
Consumer complaint received 2025-09-30 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MicroBilt / PRBC (formerly CL Verify)
State: IL

Complaint narrative:
incorrect information on my file phone numbers and addresses

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Date Opened XX/XX/year> Balance {$3700.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/year> Balance {$1300.00} Account Name : XXXXXXXX XXXX XXXX # XXXX Date Opened XX/XX/year> Balance {$1700.00}

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 2025-09-30 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit file. My XXXX XXXX XXXX  account XXXX with a reported balance of {$20000.00} is being reported as 60 days late for XX/XX/year> and XX/XX/year>, despite my records indicating that my payment history is accurate and that this account was opened in XXXX XXXX reporting of these late payments appears to be incomplete or inaccurate, and it has caused, or could cause, significant harm to my creditworthiness.This reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

FCRA 611 ( a ) I have the right to dispute inaccurate or incomplete information, and the bureau must conduct a reasonable reinvestigation.FCRA 602 ( a ) Inaccurate reporting undermines consumer confidence and can cause unjust harm.

FCRA 623 ( a ) ( 8 ) Obligation of furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am submitting this complaint regarding inaccurate reporting on my credit file. My XXXX XXXX XXXX  account XXXX with a reported balance of {$20000.00} is being reported as 60 days late for XX/XX/year> and XX/XX/year>, despite my records indicating that my payment history is accurate and that this account was opened in XXXX XXXX reporting of these late payments appears to be incomplete or inaccurate, and it has caused, or could cause, significant harm to my creditworthiness.This reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

FCRA 611 ( a ) I have the right to dispute inaccurate or incomplete information, and the bureau must conduct a reasonable reinvestigation.FCRA 602 ( a ) Inaccurate reporting undermines consumer confidence and can cause unjust harm.

FCRA 623 ( a ) ( 8 ) Obligation of furnishers to report complete and accurate information.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREENSTATE CREDIT UNION
State: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against GREENSTATE CREDIT UNION a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.GREENSTATE CREDIT UNIO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I am submitting this follow-up complaint because the issues I raised in my prior dispute remain unresolved. My credit report still contains multiple accounts that are inaccurately reported, duplicated, or unverifiable, and these entries continue to misrepresent my credit history. 
The repeated and conflicting reporting includes, but is not limited to : XXXX  XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and additional repeated entries. 
XXXX XXXX reported on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
XXXX ( XXXX ) and XXXX also appear more than once. 
These duplicates create the false impression that I have more active or negative accounts than actually exist. This not only damages my credit profile but also undermines my ability to access fair credit opportunities. 
As a consumer, I have the right under the Fair Credit Reporting Act to expect that my file will only contain information that is accurate, fair, and verifiable. Reporting the same account multiple times with different dates, balances, or statuses violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires proper reinvestigation of disputed information.

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 2025-09-30 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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 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

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS keeps re-aging and readding a fraudulent debt to my credit report after I have called them several times in the past to notify them that the debt IS NOT MINE! I am fed up to the point I am taking next steps to contact an attorney.

So again, This debt is fraudulent. I have contacted them several times as well as the credit bureaus to remove the debt. It was removed for a short time and here they go again as of XX/XX/2025 reposting it once again. 

This account is 100 % not mine. Reporting it violates the FCRA because the information is inaccurate. Additionally, repeatedly placing this fraudulent debt on my credit file after I have disputed it also violates the Fair Debt Collection Practices Act. 

I am requesting that this account be immediately deleted from all three of my credit reports and that JEFFERSON CAPITAL SYSTEMS cease reporting or attempting to collect on this fraudulent account. If this is not resolved soon, I am prepared to pursue legal action. I'm not playing with these scam collectors any longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MI

Complaint narrative:
I am the victim of identity theft tied to the TransUnion data breach ( notice dated XX/XX/year> ). 
My personal identifiersincluding my Social Security number and date of birthwere exposed and used without my consent. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I demand that you : 1. Block & Permanently Delete Fraudulent Items FCRA 605B You must block and permanently delete all information resulting from this identity theft within four ( 4 ) business days.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX  Reliant is furnishing a XXXX collection with a {$510.00} balance to all XXXX  bureaus, but in Reliants own response the attached XXXX statement shows Total Balance Due : {$230.00}. That is a direct accuracy conflict. Reporting details are also inconsistent across bureaus ( e.g., XXXX  shows Status : Open while XXXX show XXXX ; XXXX has a recent Date Last Verified, XXXX  do not ; the tradeline shows Account not disputed even after my disputes ). I do not have an account with Reliant ; they are a third-party collector and have not provided a complete itemized accounting that reconciles their {$510.00} figure or proof of authority to collect for XXXX. According to the FDCPA and FCRA, collectors must send a validation notice, cease collection until they validate upon dispute, and must not furnish or continue furnishing inaccurate or unverified information. Please review and require correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> I went to use my debit card to purchase something at the store. My card declined so I went into my mobile app and all of my money were taken out without my authorization. 4 transactions from some company name XXXX. I immediately called my bank to let them know these were unauthorized transactions that I wanted to stop them from being processed they told me that I would have to wait until they were done pending. I waited filed the claim and Chime denied my claim saying that the company had proved I did these transactions which was a lie cause I have correspondence from me and this company stated I dont have account with them and that I needed to contact my bank that they will work with them so I can get my money. Fast forward my claim denied I sent documentation showing these were not my doing yet they wont return my money. I was evicted me and my son because I was not able to pay my rent. This was over a XXXX dollars and this is not the first time. Chime wont provide me any information why my claim was denied they say they sent It to my email which is the same email I have used with them since I opened the account but nothing is coming through for them. They are trying to get me to change everything on my account but I know its something not right about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation