vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
See ATTACHED Reply dated : XXXX Reply to CFPB XXXX - CitiBank

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/year>, I purchased XXXX Western Union money orders at XXXX, each for {$500.00} ( XXXX, XXXX, XXXX, XXXX ). I deposited them into my landlords account at XXXX Bank in XXXX XXXX, Florida. 

XXXX later returned all XXXX instruments to me clearly marked XXXX to XXXX. I submitted these documents as evidence. A XXXX to XXXX return means Western Union must review the instruments and determine why they were returned, and whether the funds should be refunded to the purchaser. 

Instead, Western Union repeatedly stated that the money orders were already paid, without explaining why the bank returned them or where the funds actually ended up. Western Union never addressed the XXXX to XXXX evidence I submitted. 

In their last response, Western Union sent me an XXXX document showing only clearing activity. It does not show final credit to the correct account, and it does not match the intended payee ( XXXX XXXX ). I requested tracing, proof of final credit, or proof of return. None was provided. 

XXXX Western Union has not conducted a proper investigation, and because the funds remain unaccounted for more than 20 days later, I have filed a Small Claims lawsuit in XXXX XXXX XXXX. I am submitting the Summons, Cover Sheet, and Statement of Claim as evidence that Western Unions lack of action forced me to escalate. 

My goal is not litigation. My goal is for Western Union to finally process the XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because Capital One replaced my XXXX debit card with a XXXXk debit card without providing any opt-out or alternative options. 

XXXX debit has significantly weaker international acceptance compared to XXXX. This change directly affects my ability to access my own funds when traveling internationally. I travel outside the XXXX XXXX and rely on dependable card acceptance for basic financial security. 

This forced switch creates real and immediate stress, because a single declined transaction abroad can leave me without access to food, transportation, or lodging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX XXXX ( XXXX ) for failing to provide the legally required written notice and validation of a debt before reporting it to TransUnion. 
The company began contacting me by phone regarding an alleged rental balance from XXXX Apartments around XX/XX/year>. However, they never mailed me the required written validation notice within XXXX ( XXXX ) days of the first communication, as required by FDCPA 1692g ( a ). I did not receive any letter explaining the amount owed, my right to dispute, or their intent to place the account on my credit report. 
Despite never providing validation or documentation, the company reported the collection account to TransUnion in the amount of {$2700.00}, with an interest rate listed as 7.00 %, which was not authorized by my lease and XXXX not be permissible under California law. 
The first written communication I ever received from the company was an email on XX/XX/year>, months after they began calling and after the account had already been placed on my credit report. This email also did not include full validation or an itemized accounting of the charges. 
I disputed the account with TransUnion, but the dispute was denied even though the collector has still not provided : a mailed XXXX validation notice a copy of my lease an itemized final account statement proof of assignment proof that the amount or interest is accurate The company is continuing to report and collect without proper validation, which is a violation of federal law and is causing harm to my credit. 
I am requesting the CFPB investigate this matter, require the collector to provide full validation, and correct or remove the unverified account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
I have filed an XXXX report with XXXX XXXX. I want these accounts don't belong to me and I need them removed ASAP. I have reported these with the companies and nothing now with the credit bureau, XXXX, Equifax and XXXX. I would like for this to be done within the next 30 days. These negative and fraudulent accounts are causing me and my family a hardship which is stopping me from purchasing a house.

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 2025-11-14 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: MS

Complaint narrative:
I have filed an XXXX report with XXXX XXXX. I want these accounts don't belong to me and I need them removed ASAP. I have reported these with the companies and nothing now with the credit bureau, XXXX, Equifax and XXXX. I would like for this to be done within the next 30 days. These negative and fraudulent accounts are causing me and my family a hardship which is stopping me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IA

Complaint narrative:
I am submitting this dispute statement regarding several items on my credit report that I believe to be inaccurate or incomplete. Please review these accounts and ensure they are corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I respectfully request that it be removed from my credit report. Below are the details for each credit bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX TREASURY Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$160.00} XXXX XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$97.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} FST PREMIER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX IA XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$4500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} TXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} TOWN XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Late Payments : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: WI

Complaint narrative:
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidencXXXX XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * Please remove it from my 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 explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. These accounts are being reported as charged-off, and I request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00}

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding PORTFOLIO RECOVERY A in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY A containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in New Jersey Without proof of ownership or a chain of title, PORTFOLIO RECOVERY A has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into PORTFOLIO RECOVERY A 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : PORTFOLIO RECOVERY A Original Creditor : XXXX XXXX XXXX XXXX XXXX  Alleged Account Number : # XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-14 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: WI

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX CO XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX CO XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX SELFREPORTED Account Number : XXXX Please remove it from my credit report. 

11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

12. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX SELFREPORTED Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I have been paying for credit protection to XXXX Concora Credit for months now. On XX/XX/year> I applied to use this insurance. There reasons were vague so I did XXXX and was shot down, XXXX, shot down. Of course because I was getting my XXXX from the government. I wasn't getting my food stamps {$240.00} a month. So I put natural disaster. XXXX is a natural diaster I still haven't gotten my food stamps yet.I 'm still waiting to hear. I have been in contact with Concora Credit them this whole time. They could have helped me figure out what to file this under. No. XXXX lady told me to copy documents to word fill it out and load up to their website. They have given me the run around since XX/XX/year>. I talked to a lady on XX/XX/XXXX and she gave me hope. She got everything I loaded got it all together and submitted it and told me someone would call me today. Nope, it's XXXXXXXX XXXX XXXX XXXX time. I called them and they were rude and wouldn't let me talk to a supervisor. I had to borrow money from a friend for food and to pay this and it's going to set me back. They could have easily paid this. They have put me through XXXX. I need you all to help me with this please. What's the use of paying credit insurance if they won't let you use it? I have called them 8 times. Uploaded XXXX documents. Requested to talk to a supervisor and nothing. I still have no food benefits, I had to borrow money to make a payment. And now I'm really behind. I took a picture of all the uploaded documents. We would be here forever uploading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint regarding Citibanks recent decision to drastically reduce the credit limits on both of my Citi credit card accounts without any prior warning, valid reason, or verification of my financial situation. This action has caused significant and immediate harm to my credit score and created unnecessary anxiety. 
I have never missed a payment on any Citi account or with any other creditor. My payment history is A-grade with all lenders, and I consistently pay more than the minimum. In fact, I recently paid down a substantial portion of both Citi balances : - Card # XXXX was originally {$9500.00} limit, with the balance reduced to {$2700.00}. 
- Card # XXXX was originally {$7500.00} limit, with the balance reduced to {$5700.00}. 
Despite this responsible behavior, Citibank lowered both limits to nearly match the exact balances, putting each account at 8095 % utilization overnight, even though my balances had been significantly reduced. This extreme action artificially inflated my credit utilization and caused immediate damage to my credit score, through no fault of my own. 
I rely on maintaining a strong credit profile. These sudden cuts have had a severe negative impact on my score and my financial stability. Citibank cited reasons such as balances too high relative to credit limits and low payments, but these reasons are factually inaccurate and misleading. I have made every payment on time, many well above the minimum, and I have actively transferred balances to 0 % cards to manage debt responsibly. 
Citibank did not provide any prior notice, did not verify my stable employment, and did not conduct a reasonable review before taking a harmful automated action. Even if the bank believed a reduction was appropriate, reducing a limit to an amount that forces a customer above 8090 % utilization, despite perfect payment history, is reckless and damaging. No consumer should be pushed into a high-risk credit ratio solely because of a lenders algorithm. 
I request CFPB assistance in reviewing Citibanks actions and ask that Citi be required to : - Reevaluate the credit limit decreases, - Provide a manual credit review, and - Restore my previous credit limits or provide a reasonable and non-damaging limit. 
Thank you for your assistance in addressing this issue.

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