vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/25 I was purchasing a plane ticket from XXXX XXXX. There was an advertisement to receive a {$200.00} statement credit from the purchase of this specific plane ticket if I signed up for the Citi XXXX XXXX XXXX XXXX XXXX card. The advertisement showed the cost of the plane ticket subtracted by {$200.00} - showing me clearly that I would receive credit for this flight. Before applying for the card, I read the fine print of this application, and it said that I would be sent a temporary card number if I was approved so that I could use that card number to purchase this plane ticket and receive a statement credit of {$200.00} on my next credit card bill. I applied for the card, was instantly approved, but I recevied no temporary card number. Instead, Citi told me that in 10 business days I will receive my card via the mail and I would have to wait to purchase my plane ticket after 10 days. The problem with waiting that long is ticket prices would climb over those 10 days and the plane ticket would cost much more- or the plane may be fully booked after 10 days. I had to purchase the plane ticket that morning. I called Citi customer support 5 times and each time requested the temporary card number. I was told no and when I mentioned I would report this to the CFPB for false advertising and I wanted to speak to a manager, one man hung up on me. I was forced to use a different credit card to purchase this plane ticket, and because of that I can not receive that {$200.00} statement credit ( which was the whole reason why I applied for the credit card in the first place ).

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 2025-07-06 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for inaccurate and inconsistent reporting on my XXXX XXXX  account ( ending in XXXX ). 

The account was closed in XX/XX/XXXX. I had an agreement with the creditor to continue making monthly payments after closure, and I made those payments on time. 

Experian is incorrectly reporting a 90-day late in XX/XX/XXXX. This is false and unsupported by payment records. XXXX XXXX XXXX both show this account as paid as agreed with no such late entries for that time. 

I previously disputed this with Experian, providing statements as evidence. Experian responded with a generic verification and updated the remarks without addressing the inaccuracies. 

This violates : FCRA 1681i ( Failure to reasonably reinvestigate disputes ) FCRA 1681e ( b ) ( Failure to ensure maximum possible accuracy ) Metro 2 Guidelines inaccurate late payments post-closure, conflicting across CRAs

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I have each credit bureau and I am nearby requesting that they please follow the FCRA laws that protects consumers as it pertains to late payments. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B states a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for card purposes.

I ask that you pleaser remove theses late payments as it pertains to the codes above.

Thank you

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 2025-07-06 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: GA

Complaint narrative:
Dear CFPB, I have each credit bureau and I am nearby requesting that they please follow the FCRA laws that protects consumers as it pertains to late payments. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B states a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for card purposes.

I ask that you pleaser remove theses late payments as it pertains to the codes above.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I first reported this account to XXXX XXXXXXXX XXXX XXXXXXXX in XXXX of XXXX as fraud. The account was opened on XX/XX/XXXX. I have submitted a fraud report to all three credit bureaus. The amount of the debt on my credit report reports {$1900.00} there were no payments made on the account. The company continues to update the account as current although they have provided me no documentation with my signature, billing etc. Please have them to remove this inaccuracy off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LCI Consumer Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Bankruptcy Reporting / Violations of FRBP Rule 9037 & FCRA 1681i Dear LCI, I am writing to formally dispute the inclusion and reporting of a bankruptcy record associated with my name and credit profile by LCI. The reporting of this bankruptcy is in clear violation of Rule 9037 of the Federal Rules of Bankruptcy Procedure, which mandates the redaction of personal identifiers and prohibits the public disclosure of full sensitive information from court records. Further, this reporting constitutes a willful and negligent violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), specifically relating to the accuracy, reinvestigation, and handling of disputed information. 



This bankruptcy record should have never been published or furnished in the format you have presented, as it includes details obtained in violation of redaction rules, which compromises my legal rights and my personally identifiable information. 



I am demanding the immediate deletion and permanent suppression of this bankruptcy record from my LCI file and all related data systems. Additionally, I request full documentation of the source from which this bankruptcy record was obtained, including any third-party vendor or system used in its collection and reporting. 



You are hereby notified of your legal obligation to conduct a proper reinvestigation under 1681i of the FCRA. Failure to remove the inaccurate and unlawfully reported information within 15 days of receipt of this letter will result in a formal complaint filed with the Federal Trade Commission ( FTC ), and your state Attorney Generals office. 



Further, I will not hesitate to file a claim in Small Claims Court for statutory damages, actual damages, court costs, and attorneys fees under 15 U.S. Code 1681n and 1681o, should this matter not be resolved promptly and lawfully. 



Please provide me with written confirmation that this record has been removed and all steps you have taken to ensure compliance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX AMERICAN EXPRESS ( Acct XXXX ) RE : Debt Validation Request Account Number : N/A Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting that the major credit bureaus ( Experian, TransUnion, and Equifax ) are publishing inaccurate tradelines for several credit card accounts that were securitized and sold to trusts. These accounts including those from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX were paid in full through securitization, which the banks admitted in SEC filings. Yet, they are still reporting balances, late payments, and open statuses. 

I submitted formal disputes citing these facts, but the credit bureaus failed to conduct a proper reinvestigation or verify the real owner. They are violating FCRA 1681i and 1681s-2 by publishing misleading and outdated information. I am requesting a full investigation into this matter.

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 2025-07-06 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:
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 2025-07-06 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: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding a secured credit card account ( Account Number XXXX ) that is inaccurately being reported by one or more credit bureaus. The account is marked as Paid, Closed as of XXXX XXXX, but the payment history shows a 120-day delinquency in XXXX XXXX, immediately followed by a CLS status.

Additionally, the same account reflects late payments ( 30, 60, 90 days ) during XXXX, but no clear documentation or warning was provided prior to closure.

Reporting an account as Paid and Closed and still reflecting major delinquencies post-closure is misleading, unfair, and inaccurate, especially if the debt was settled or paid in full. 

I am requesting under FCRA 607 ( b ) and 611 ( a ) that : The 120-day delinquency in XX/XX/XXXX be removed Any unsupported late payments from XXXX be verified or deleted The account be corrected to reflect accurate payment history consistent with its Paid, Closed status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Tx XXXX ] [ XXXX ] [ XXXX ] Date : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Violation of No Contact Directive by Hunter Warfield , Inc . 

Dear CFPB Representative, I am writing to formally report Hunter Warfield, Inc AGAIN. for violating a no-contact directive that was previously issued in connection with their attempts to collect an alleged debt from me. 

Despite your agencys prior involvement and direction for them to cease all communication with me, Hunter Warfield has continued to contact me via repetitive phone calls, most recently on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  from different spam and scam numbers. These ongoing attempts to communicate with me are not only unwanted, but they are also a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the guidance provided by your office. 

I consider this behavior to be harassing and unlawful. I respectfully request that the CFPB take immediate action to investigate and hold Hunter Warfield accountable for their repeated and willful noncompliance. 

Please let me know if additional documentation is required. Please remove me and all other information tied to this account. 

Thank you for your attention to this serious matter. I appreciate your continued efforts to protect consumers like myself from abusive and illegal debt collection practices. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Kriya Capital, LLC
State: FL

Complaint narrative:
In early XXXX three separate accounts appeared on my credit reports that I did not authorize, open, or recognize. 

The first is from XXXX XXXX XXXX ( account # XXXX, balance {$660.00}, opened XXXX XXXX XXXX ). 

The second is from Credence Resource Management on behalf of XXXX ( account # XXXX, balance {$2000.00}, opened XXXX XXXX XXXX  ).

The third is from XXXX XXXX XXXX XXXX which is a closed account showing two late payments. I had no involvement with this account and never applied for or authorized this loan. 

These are fraudulent accounts resulting from identity theft. I have filed a police report and submitted disputes with the credit bureaus. Despite these actions, all three companies continue to report these accounts as valid, causing ongoing damage to my credit and financial reputation. 

I have sent formal written disputes directly to all three companies demanding removal of the accounts and all associated reporting. As of this submission, none of the accounts have been removed. 

This situation is causing unnecessary stress, denial of credit, and reputational harm. I am requesting CFPB assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these fraudulent accounts removed immediately.

Company response to consumer: Closed with non-monetary relief