vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Describe what happened : My debit card and checking account access with Citizens Bank have been repeatedly restricted without any notification. This has happened several times, including the most recent incident on XX/XX/year>, shortly after I filed merchant-error disputes for legitimate charges. My card was not stolen and there was no fraud. 

Each time a restriction was placed on my card, I received no email, no text message, and no phone call informing me that my card was blocked. I only discovered the freeze when attempting to make purchases. This caused me serious inconvenience and financial disruption, including being away from home and unable to access my funds. 

When I tried calling Citizens phone system, it repeatedly stated that it did not recognize my debit card number, which made it difficult to reach the correct department or resolve the issue. This also prevented me from accessing the dispute process. 

I spoke with Citizens Bank today, and a supervisor acknowledged the issue and said it would be escalated, but I have not received an explanation for why my account was repeatedly restricted without notice. 

I am requesting : A clear explanation for the restrictions placed on my account Why no notifications were sent before access was blocked Confirmation that my account access will not be disrupted in this way going forward Correction of any errors in Citizens Banks handling of disputes or fraud flags A review of the harm caused by these repeated access interruptions I am filing this complaint because this problem has happened multiple times and has created unnecessary hardship. This has happened 4 distinct times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
Please accept this communication as formal dispute notification regarding the referenced accounts. I am not affiliated with them and did not approve their creation. I request deletion following review. Documentation is attached.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I was having trouble to repay a loan that I had got from cash express in XXXXXXXX XXXX  They had continuously called me.I planned on going the first of XXXX to pay off the loan. When I got a knock at the door and XXXX employees from cash express were at my door harassing me about coming in to pay the payment. I told them that I would be there on the first of XXXX, and I have still received calls numerous calls a day. I know it's against the law for them to be at my house knocking on my door asking for the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Re : Request for Validation of Repossession Account Account Number : XXXX To Whom It May Concern : I am writing to formally request complete validation of the repossession account that your company has reported to the credit bureaus. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ) to ensure that all information furnished to the credit bureaus is accurate, complete, and fully verifiable.

Please provide the following documentation : A complete payment history from the origination of the loan through the date of repossession.

A copy of the original signed contract and any amendments.

Proof of the lawful repossession, including required notices sent before and after the repossession.

Documentation of the sale, including the date, location, sale amount, and method of sale.

Breakdown of any deficiency balance, fees, interest, and how these amounts were calculated.

Proof that the account informationincluding my personal information and address historywas accurately reported to the credit bureaus.

If you are unable to fully validate this account with the requested documentation, I request that you immediately update all credit bureaus to remove this account entirely in accordance with the FCRA.

Please provide your validation within 30 days of receipt of this letter. All future correspondence should be sent in writing to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-28 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: NJ

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-28 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: NJ

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-28 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 dispute these accounts as they are not mine and request their removal within 15 days per FCRA obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-28 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: PA

Complaint narrative:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 

These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 
XXXX XXXX # XXXX {$0.00} XXXX # XXXX {$2800.00} XXXX # XXXX {$4700.00} XXXX XXXX {$0.00} XXXX XXXX $ {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 

These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 
XXXX XXXX # XXXX {$0.00} XXXX # XXXX {$2800.00} XXXX # XXXX {$4700.00} XXXX XXXX {$0.00} XXXX XXXX $ {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NC

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 2025-11-28 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: PA

Complaint narrative:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 

These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 
XXXX XXXX # XXXX {$0.00} XXXX # XXXX {$2800.00} XXXX # XXXX {$4700.00} XXXX XXXX {$0.00} XXXX XXXX $ {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am writing because I found several mistakes on my credit report. These errors are affecting me, and I am asking for a review and correction. 

XXXX. Incorrect Addresses The following addresses do not belong to me. Please remove them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX  Accounts Showing Late Payments ( Incorrect ) These XXXX  accounts show late payments, but I have never paid late. I am asking for them to be corrected after review : XXXX XXXX XXXX XXXX XXXX {$71.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$100.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$78.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$64.00} Opened XX/XX/XXXX Please update these accounts to remove the late payment markings. 

XXXX. XXXX Charge-Off ( Not Recognized ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$19000.00} Opened XX/XX/XXXX I do not know anything about this account. If it can not be verified, please remove it. 

XXXX. XXXX Inquiry XXXX Inquiry on XX/XX/XXXX I do not remember authorizing this inquiry. Please review it, and if it was not approved by me, remove it. 

What I Am Requesting Remove incorrect addresses Correct XXXX  late payment reporting Verify or remove XXXX  account Verify or remove XXXX  inquiry I would appreciate your help with reviewing and correcting these issues. Please send me a written response once the investigation is done.

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