vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I have been dealing with Citibank since XXXX on unauthorized fraudulent charges related to an account. 

To many phone calls and written requests to mention. I have been jerked around and left wondering how to resolve this very disturbing issue with Citibank. Fraud should be taken seriously and it does not feel that Citi takes it seriously at all. 

Here is my latest letter to Citi sent via email on XXXX XXXX to XXXX XXXX at Citi ( they never respond but this is my latest attempt to get someone to please help ) : Good afternoon, RE : account number : XXXX ( last 4 digits XXXX XXXX  ( previous account number ) I recently spoke to XXXX on the Citi Investigation team, on XX/XX/XXXX, around XXXX EST. I requested yet again that all charges related to account number above be disputed. Attached ( and below ) are a series of screen captures of the actual statement charges, reflecting the dates, location, charges. I finally received a copy of these from Citibank after months of asking. 
I did not make any of these charges, or payments. It appears that all charges originated in West Virginia or Ohio, and I have never been to XXXX XXXX or Ohio in my life. These are all fraudulent charges, which I am disputing. I am also disputing the late charges that were applied to this account. 
Citibank would need to show that these charges were indeed made by me, either with my signature, an IP address connected to me, receipts, etc.. This is not possible since I made none of the charges. 
I am requesting, in writing, that these charges be reversed with a statement that I am not responsible for any of the charges on this account. I would also appreciate the credit bureaus ( XXXX XXXX XXXX XXXX be informed as soon as this is resolved that this was resolved in my favor or shown to be fraudulent, since Citi has reported this account as past due and late and it has ruined my credit rating.through no fault of my own. To be clear : we are not disputing that this account may be in my name or belong to me, but that all of the charges are fraudulent and not my responsibility.

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 2025-11-11 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting that these late payment entries be reviewed and verified, and if verification can not be provided, they should be updated or deleted accordingly.

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 2025-11-11 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: MO

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was told by Capital one, they closed my account due to fraudulent activities, but never sent me explanation before with Details of why they closed my account. I did explain to them that they were taking too long to take my payment out of my checking account via ACH and that I was able to pay using debit card. I had to pay on my account and they werent able to reopen or negotiate after multiple times trying to get answers. I was just sent to collections without any offer to try and fix anything. I stopped paying for a brief moment, feeling like something was not right, while trying to communicate about a resolution or something to understand why they were so quick to close my account and collect money and all these fees from me and all I get is the employees who can barely speak XXXX and they were useless in helping me. All I was able to get was that now my account will soon be charged off if I didnt pay which I was already paying still and and they still charged-off my account because I didnt do a payment plan or except a settlement offer. Ive repeatedly told them I could not continue with ACH payments from my checking, still yet my only options for the payment plan or settlement was through ACH, so I have just been paying with my debit card little by little hoping they wont take further actions against me and just see that Im trying to do my part and pay on my account and not ignore any compliance. 
My biggest issue, is with the customer service department being outsourced in other countries causing a huge language barrier for us, its very hard to comprehend with the accents from these agents, leading to misunderstanding and more miscommunication between the company and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
I enrolled in the National Debt Relief program in XX/XX/year> after being told they would contact my creditors and negotiate reduced settlements on my behalf. I was advised to stop paying my creditors and allow the company to handle all communication. 

Starting XX/XX/year>, National Debt Relief charged me {$260.00} for the initial payment covering XX/XX/year>, and continued to charge {$260.00} on the XXXX and XXXX of each month through XX/XX/year>. During that time, they did not contact or make payments to any of my creditors, and they provided no evidence that any negotiation had taken place. 

I repeatedly requested updates and proof of contact with the creditor, but received none. As a result, my XXXX unsecured debts totaling approximately {$33000.00} are now over 60 days past due, severely damaging my credit. 

When I called on XX/XX/year>, they agreed to cancel my enrollment and refund my payments, minus their service fees. However, they failed to perform the services promised under the contract and misled me into believing my creditors were being handled.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report contains a repossession entry that I believe may be inaccurate or can not be verified. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a completely accurate and verifiable credit report. I am requesting a full review of this repossession record, and if it can not be properly validated, I ask that it be removed from my report.

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 2025-11-11 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: IN

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To confirm 3 days violation take a look at the screenshots and the ledger date at the document last page. Also notice attached. If need more documentation and conversation please contact me. 

This complaint is jointly submitted by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, co-tenants under the lease at XXXX Landings Apartments. 
We allege that Business XXXX XXXX XXXX XXXX ( XXXX ) and XXXX Landings violated Florida Statute XXXX ( XXXX ) ( a ) by issuing a Final Statement of Deposit and referring a fabricated balance to collections only XXXX ( XXXX ) days after move-out, instead of waiting the required XXXX ( XXXX ) days. 

We vacated the apartment on XX/XX/year>, and returned the keys on XX/XX/year>. Despite this, XXXX XXXX produced a Final Statement of Deposit dated XX/XX/year>, claiming {$3900.00} and immediately transferring it to National Credit Systems , Inc . 

Florida XXXX XXXX ( XXXX ) ( a ) is clear : The landlord shall have 30 days from the date the tenant vacates the premises to give the tenant written notice of the landlords intention to impose a claim on the security deposit. 
By acting after only XXXX days, XXXX Landings forfeited any legal right to impose charges under XXXX ( XXXX ) ( b ), which states that failure to comply means the landlord forfeits the right to impose a claim upon the security deposit. 
Instead, XXXX XXXX premature billing created an invalid debt and triggered federal violations : FDCPA XXXX ( XXXX ) ( A ) False representation of the legal status and amount of a debt ; FDCPA XXXX ( b ) Initiating collection before proper validation ; FCRA XXXX ( a ) ( XXXX ) ( A ) Knowingly furnishing inaccurate information to credit bureaus ; XXXX ( 12 U.S.C. 5531 ) Deceptive and unfair acts or practices ( XXXX ). 
The three-day issuance shows gross negligence and misconduct by XXXX XXXX as XXXX licensed XXXX XXXX XXXX XXXX contrary to XXXX ( XXXX ) ( a ). This was not an administrative error but a deliberate attempt to force payment and damage our credit. 
We followed the law in delivering a XXXX XXXX Notice ( XX/XX/year> ) and terminating the lease under XXXX ( XXXX ) on XX/XX/year> after the landlord failed to remedy serious smoke infiltration. Our termination was lawful and supported by written evidence. Despite this, management retaliated and fabricated charges XXXX days after move-out. 
This act is retaliatory under XXXX, deceptive under the FDCPA, and constitutes a clear violation of both Florida tenant law and federal consumer protections. 
We hold copies of : the XXXX XXXX Notice, termination letter, move-out photos/videos, proof of key return, the XX/XX/XXXX statement, and the XXXX collection notice dated XX/XX/year>.

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

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 2025-11-11 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding the unauthorized hard inquiries on my credit report : 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 XXXXXX/XX/XXXX XXXX These inquiries were made without my consent, and as a result, they have negatively impacted my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report can only be accessed for permissible purposes, and I did not provide authorization for these inquiries. The FTC site is currently unavailable, which is why I am unable to create an FTC Identity Theft report at this time. I am requesting that these inquiries be immediately removed from my credit report as they were not made with my consent or for any valid, permissible reason. The continued presence of these unauthorized inquiries is a violation of my rights under the FCRA and is causing significant harm to my credit profile. I trust the CFPB will hold the responsible parties accountable and ensure the correction of this issue promptly.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby file this complaint to demand enforcement action against the credit reporting agencies for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ). Despite my submission of a valid identity theft report and all required documentation proving fraudulent use of my personal information, the agencies have knowingly refused to block inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and their continued inaction constitutes a blatant disregard of statutory obligations and consumer protections. This misconduct has inflicted substantial and ongoing harm to my financial standing and reputation, and their noncompliance may also rise to criminal liability under 18 U.S.C. 1028A ( Aggravated Identity Theft ). I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby file this complaint to demand enforcement action against the credit reporting agencies for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ). Despite my submission of a valid identity theft report and all required documentation proving fraudulent use of my personal information, the agencies have knowingly refused to block inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and their continued inaction constitutes a blatant disregard of statutory obligations and consumer protections. This misconduct has inflicted substantial and ongoing harm to my financial standing and reputation, and their noncompliance may also rise to criminal liability under 18 U.S.C. 1028A ( Aggravated Identity Theft ). I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

Company response to consumer: Closed with non-monetary relief