vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : UNATHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$7400.00}

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Complaint Against Citibank Improper Hold on Payroll Check from XXXX  To Whom It May Concern, On XX/XX/year>, I deposited a payroll check issued by XXXX into my Citibank account via mobile deposit. This is the second payroll check I have received from the same employer, and XXXX is a nationally recognized and pre-funded payroll provider whose checks are not subject to stop payment. 

Despite the clear legitimacy of the check, Citibank placed an 11-day hold, stating that funds would not be available until XX/XX/year>. When I contacted Citibank, I was told that the delay was due to an issue with my employer. In response, I immediately reached out to my employer to investigate. 

The payroll coordinator at my company contacted XXXX, who confirmed that the check had already been paid and there were no issues whatsoever on their end. Furthermore, the check includes a verification number that Citibank can call to confirm and release the funds, yet Citibank refuses to do so and continues to hold the money without valid justification. 

The result has been : Financial hardship and stress Missed or late bill payments Accrued late fees Restricted access to my earned income I am therefore requesting the intervention of the Consumer Financial Protection Bureau to : Compel Citibank to release the held funds immediately Request compensation or courtesy credit for all financial harm resulting from this delay Citibanks actionsespecially falsely blaming my employer and ignoring XXXX confirmationappear to be abusive and deceptive, and I urge your office to review this matter urgently.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-18 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I have received several texts messages from Harris & Harris regarding a ticket citation in the city of XXXX XXXX. The message provides a link to view my account and pay with my citation/ticket number. A phone number is provided as well. This has been happening for about almost a year. I called the phone number once to inquire about having the wrong recipient and they kept me on hold for the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-18 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 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 explanation
Consumer complaint received 2025-06-18 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX, {$1100.00}, I called XXXX to get the Date of First Delinquency, they were unable to provide it but it was escalated. I called Jefferson Capital Systems LLC. And requested the Date of First Delinquency and was told it was XX/XX/XXXX and they also stated the 7-year period restarts when they acquire the debt, which is an FCRA violation.. This collection account is being illegally re-aged. The 7-year reporting period must be based on my original date of first delinquency with the original creditor, not the date the collector acquired the debt. Per the Fair Credit Reporting Act ( FCRA ), this item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security XXXX : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a XXXX checking account with Capital One. I was attempting to use the funds that I deposited into the account which I was only able to use a few times before the restriction was placed. The only reason I was aware of the restriction is because I logged into the online banking and seen the banner stating, Your funds are currently not available for withdrawal. Please call us at XXXX. After calling this number initially on XX/XX/scrub> 2025, I was told that the restriction was placed because there were concerns surrounding my identity and was instructed to visit a branch with my ID and social security card to verify my identity. In which I did on XX/XX/year>2025 with all of the requested documents. I called in the following week to check on the status of my case and which I was instructed to revisit a branch with those documents PLUS proof of address. On XX/XX/year>2025 I revisited a Capital One branch with all 3 documents that they requested. I still do not have a result or resolution for what is going to happen with the funds in my account. No one is releasing my funds even after providing the documentation that was asked of me. I have made two cash deposits of {$450.00} at a Capital one ATM and {$500.00} via XXXX cash deposit. I made 4 Debit Card Money Received deposits of {$98.00}, {$140.00}, {$390.00}, and {$490.00}. I was then instructed on XX/XX/scrub> 2025 by a supervisor named XXXX, which in recorded the entire phone call, to visit a branch to withdraw the funds. I stepped into the branch at XXXX and after finally waiting until XXXX I still didnt not leave the branch with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX XXXX and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to LVNV FUNDING LLC I demand to see the chain of assignment and purchase agreement to see who really sold the debt to LVNV FUNDING LLC If LVNV FUNDING LLC does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
RE : Correction of Inaccurate Information in Credit Report To Whom It May Concern : Please be aware that I am disputing that you would remove and delete the following information from my credit file : 1 ) Name : XXXX XXXX XXXX  Type : Affirm Account : XXXX  Account Type : Unsecured Original balance : ( current ) : {$130.00} Reported balance : {$0.00} Status : Paid, Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
this company is reporting debt that is not mine and its hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an account being reported by XXXX XXXX XXXX listing Avant XXXX as the original creditor on my credit report. I do not recall opening any account with Avant, and to my knowledge, I have never received any correspondence, statement, or notice informing me of an alleged balance or of this account being charged off or even sold to a third party for that matter. This account is now reflecting as a collection on my credit report, which is damaging to my credit profile. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt, including proof that the account is mine and that the information being furnished is accurate and complete. To date, both Avant and XXXX XXXX has failed to provide any of the following : A signed agreement or contract with my name, Billing statements showing the breakdown of the balance, Notification of the charge-off or delinquency, the forward flow agreement, or any form of written communication or validation sent to my address. If Avant sold this account to XXXX in which they are furnishing information to the credit bureaus, they are legally required under FCRA 607 ( b ) to ensure the maximum possible accuracy of that data. Reporting a collection without notifying the consumer or providing documentation raises serious concerns about the validity and accuracy of the tradeline.

Company response to consumer: Closed with explanation